A complete refusal to testify may not turn out in your favor. If you feel that this moment unable to think calmly, ask the inspector for a few minutes to calm your feelings.

• It is unacceptable to sign a blank sheet on which the inspector, under the pretext of being in a hurry, promises to draw a diagram later.
• It is necessary to attract witnesses - all passengers of the injured or at-fault car, if they saw the circumstances of the incident, are witnesses by law. Witnesses have the right to write their explanations about what happened, and the participant in the accident has the right to demand that their explanations be included in the documentation considered during the analysis by the traffic police, the investigation and the trial.

• South-Eastern Autonomous District: 170-95-74, 911-09-36, 178-61-88.
• Eastern AO: 166-78-77, 169-42-30, 166-43-30, 375-16-00.
• North-Eastern Autonomous District: 903-09-62, 187-65-36, 971-22-88.

Traffic police on special highways:

• Department No. 1 - 291-60-76.
• № 2 - 945-75-85.
• № 3 - 938-27-19.
• № 4 - 951-55-31.
• № 5 - 246-02-77.
• № 6 - 241-48-57.
• № 7 - 414-47-47.
• № 8 - 219-07-92.

What to do if your vehicle is stolen

• If there are victims and you are able to provide them with all possible assistance, it is necessary to provide this assistance. Because for inaction, i.e. Leaving in danger is subject to criminal liability.
• Under no circumstances should you move vehicles from the place where they stopped at the scene of the accident.

An insured event has occurred

• Information about the vehicle of the guilty party (make, model, registration number, other information).
• Details of the motor vehicle owner of the person responsible for the accident.
• Information about damaged property. If we are talking about a car, then you need to indicate the serial number, VIN code, make and model.
• Possibility of delivering a damaged vehicle for examination.
• Desired method of compensation.
• List of costs associated with evacuation and storage of a damaged car.

Where should the application be submitted? Depending on the situation, the application must be submitted to:

• a company specified in the Europrotocol agreement;
• a company that provides insurance services to the person at fault for an accident.

Note! The direct method of compensation for damages, which is implemented through its own insurance company, does not deprive the responsible party of the right to receive compensation from the insurer.

Did you have an accident

What to do if an accident occurs

• Turn on the hazard warning lights.
• Put up a warning triangle.
• Call the 24-hour dispatch service at one of the following telephone numbers: +7 495 788 0 999 (Moscow and Moscow Region), 8 800 333 0 999 (other regions).
• Provide the following information: insurance policy number, full name or name of the insured's organization, date, place (street, house number), time and circumstances of the accident.

Our dispatchers will help you properly coordinate your actions at the scene of an accident; if necessary, they will call an emergency commissioner, an ambulance or a tow truck.
At the scene of an accident, the emergency commissioner:

• Insurance policy number.
• The make of the car and its registration number.
• Date, time and place of theft (garage, parking lot, away from home, etc.).

Application for insurance payment under MTPL - sample

Rosgosstrakh LLC was notified of the place and time of the inspection. Your representative was invited to the inspection by telegram dated October 26, 2016, which is confirmed by the corresponding postal notification. According to Expert Opinion No. 111/K-16 dated October 30, 2016, the cost refurbishment for a Chevrolet Aveo car, taking into account the wear of replacement parts, amounted to RUB 34,755.

82 kopecks. According to Conclusion No. 111/K*16 on the amount of loss of commodity value dated October 30, 2016, the value of the technical value was 6,684 rubles. 00 kopecks. The costs of assessing damage from an accident and calculating the technical damage control amounted to 5,600 rubles. 00 kopecks, which is confirmed by a receipt dated October 30, 2016. Postage costs amounted to 343 rubles. 40 kopecks, which is confirmed by a check from the Federal State Unitary Enterprise “Russian Post” dated October 26, 2016. Thus, the amount of damage from an accident subject to insurance compensation on the basis of the Civil Code of the Russian Federation and the Federal Law “On Compulsory Motor Liability Insurance” is: 34755.82+6684+5600+343 .40=47383 rub.

Sample application to the insurance company in case of an accident

Law “On Compulsory Motor Liability Insurance” in Art. 6., which says that there is no point in counting on compensation if:

• the damage was caused by a car that does not have an insurance policy;
• there was compensation for lost profits;
• damage occurred during competitions, tests, training riding;
• there were bad weather conditions;
• damage occurred during the transportation of individually insured cargo;
• expenses incurred due to damage to the health of the person who carried out labor activity(the citizen must be insured);
• it is proven that one of the drivers is guilty (compensation is provided only to the victim);
• there was compensation for damage to antiques.

As a result of an insured event, the driver must take the following steps:

1. Stop the car.

Alfa insurance

Additional documents Must be submitted along with the application additional documents. Rules compulsory insurance The following list is provided:

• copy (hand in) + original (provide for review) the victim’s passport;
• passport + power of attorney of a third party, if a representative acts on behalf of the injured citizen;
• documents for the car, this could be a registration certificate, title, lease agreement;
• consent of the guardianship authorities, when compensation is due to an incapacitated person (age up to 18 years, restriction of rights in judicial procedure);
• statement with bank account details, if monetary compensation is due.

An application along with a package of supporting documents is the basis for compensation for damage from an accident.

How to submit an application for insurance compensation

To do this, you need to fill out an application form that is approved by each insurance company. A standard sample document and rules for filling it out will be presented below.

Attention

Compensation is due in an insured event. The insurance category includes situations of use Vehicle as a result of which the health or property of the injured party was damaged. Signs of an insurance situation:

• use of a moving vehicle;
• there are at least two participants involved in the accident;
• The driver has an insurance policy that is not expired at the time of the accident.

Note! When a person was injured when the driver opened a car door in a parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case.

Application for insurance payment under MTPL

the name of the insurance company where the document will be transferred;

• Full name or name of the legal entity that suffered;
• address where the victim is registered;
• Full name of the authorized person and all details of the power of attorney;
• time, date and place of the accident;
• characteristics of the damage received;
• nuances of the accident that may be relevant to obtaining compensation;
• how the accident was recorded;
• information about the car of the person responsible for the event;
• information about the property of the injured person who suffered;
• the ability to transport the car to where the examination will be carried out;
• additional expenses after an accident (if the car was towed, etc.);
• preferred method of receiving insurance payments.

A sample of filling out an application for an insured event under MTPL. Download the application form and sample for AlfaStrakhovanie.
Renaissance insurance Insured event under CASCO Forms Application for an insured event under CASCO and diagram of the incident Filled out for any incidents, with the exception of theft or theft of a vehicle. Form Example Application for theft or theft of a vehicle Filled out in case of theft or theft of a vehicle.

Form Application for payment of compensation Filled out in addition to the application for an insured event if you want to receive compensation for damage in money rather than repairs. Form Application for Cancellation of an Insured Event Provided if you decide for any reason to cancel a previously declared insured event.

Form Sample power of attorney for the right to represent the interests of the Vehicle Owner in the insurance company. Provided if the insured event is not claimed by the owner of the vehicle.

After the insurer has been notified of the accident, the victim has 5 days (if the accident occurred within the city limits) or 15 days (if the accident occurred far from the city limits) to collect the necessary package of papers. For your information! If the victim failed to meet the deadline for payment of insurance compensation, the insurance company has the right to refuse to provide compensation. After the insurer checks the papers, a place and exact time are assigned for experts to assess the damage. The assessment must be completed within 20 days from the date of submission of the papers.

Attention! If damage to the vehicle occurred when the door was opened while the car was stationary, then compensation for damage is not provided.

An insured event has occurred

Although, according to the traffic rules, participants in an accident have the right to do this in a number of certain cases, it will be extremely difficult to prove that the vehicle was forced to move from the scene of the accident. And according to the Code of Administrative Offenses of the Russian Federation, anyone who leaves the scene of an accident faces deprivation of the right to drive a vehicle.

• You should not give any written obligations on the spot - being in a stressful state, it is difficult to correctly assess your actions before an accident and remember the situation in detail.
• Guilt, obvious in the first moments after the incident, after studying all the circumstances of the accident, may turn out to be an inevitable consequence of the actions of the victims or shortcomings of the road, and therefore innocence or partial guilt.
• It is necessary to give testimony and explanations without unnecessary emotions and only to the point.

Avoid insults and accusations against participants and traffic police officers. Don't be fooled by provocations.

Did you have an accident

• 1 What types of accidents are covered by the MTPL policy?
• 2 What data exactly is needed?
• 3 Sample of filling out an application for an insured event under MTPL
• 4 Which documents should I attach?
• 5 To whom should the victim submit an application for insurance payment?
• 6 Submission and review deadlines
• 7 To sum it up

For 10 years now, Russia has had a law on compulsory motor insurance. That is, all car owners are required to have an insurance policy when operating their vehicles.

Thanks to this document, in the event of an accident, the injured party will be able to receive compensation for the damage caused. A compulsory motor liability insurance policy can be issued through various insurance companies - AlfaStrakhovanie, InTouch, Tinkoff Insurance, Military Insurance Company (VSK), RESO-Garantiya, EnergoGarant and others.

• Details of the recipient (they are needed when there is a need to receive insurance payment under MTPL).

If the accident caused the death of the victim, then compensation should be demanded under compulsory motor liability insurance in the event of death.

If you are a victim of an accident from an Alfa Insurance policyholder, then you can come to our offices in Moscow with the following set of documents: Certificate from the State Traffic Safety Inspectorate f. 748 with corner stamp, blue round seal. Check carefully that your full name, place, time of accident, vehicle VIN code, policy number are filled out correctly; if there are corrections, they must be certified with a blue seal).

Protocol / resolution / ruling on refusal to initiate proceedings on administrative offense– original or copy certified with a blue seal. A notification of an accident, filled out together with the culprit of the accident at the scene of the accident. Vehicle registration certificate – copy. The driver's license of the person driving the car at the time of the accident. Power of attorney for the right to drive a vehicle, if the driver was not the owner - a copy.

Alfa insurance

Items 2–7 are submitted within 72 hours from the moment the vehicle is stolen. If documents and (or) car keys were seized by police officers, it is necessary to obtain and provide the insurer with procedural documents established by the Legislation of the Russian Federation, confirming the execution of the seizure and inclusion of something in the criminal case, as well as copies of registration and other documents attached to the criminal case. criminal case, certified by signature responsible person and the seal of the investigative agency.

• 1 General provisions
• 3 Where should the application be submitted?
• 4 Timing
• 5 Additional documents

List of documents drawn up at the scene of an accident by representatives of the traffic police In the case of an accident that did not entail serious consequences, as well as disagreements between the participants in the accident and the traffic police inspectors (no injuries), the traffic police inspector draws up the following documents required for submission to insurance company:

• A ruling on initiating a case of an administrative offense and conducting an administrative investigation.
• Protocol on administrative violation.
• Resolution on a case of an administrative offense.
• Ruling on refusal to initiate proceedings regarding an administrative offense.

In all of the above documents, State Traffic Inspectorate employees indicate information about:

• Vehicles involved in the accident (makes, models, state registration plates, and in their absence - VIN).

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Application for insurance payment under OSAGO - sample

For 10 years now, Russia has had a law on compulsory insurance motor transport. That is, all car owners are required to have an insurance policy when operating their vehicles. Thanks to this document, in the event of an accident, the injured party will be able to receive compensation for the damage caused. A compulsory motor liability insurance policy can be issued at different insurance companies - this AlfaInsurance, InTouch, Tinkoff Insurance, Military Insurance Company (VSK), RESO-Garantiya, EnergoGarant and others.

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until October 31

What types of accidents are covered by the MTPL policy?

Pay compensation after an accident is carried out after submitting an appropriate application to the insurance company with supporting documentation. However, before making such a statement, there are many related issues that you need to be aware of.

Let's look at the signs on the basis of which the situation is considered insured:

1. The vehicle is in use.

Attention! If damage vehicle occurred when the door was opened while the car was stationary, then compensation for damage is not provided.

1. In an accident there is a victim and a culprit, that is, two (or more) cars were involved in the accident. If the culprit of the incident is not identified, then no compensation is paid.
2. Both drivers must have insurance. If one of the participants in the accident does not have an MTPL insurance policy, then the basis for recovery will be lawsuit, filed in court.

Specific cases when payment from insurance compensation will not be produced approved by government decree in the Law “On Compulsory Motor Liability Insurance” in Art. 6., which says that there is no point in counting on compensation if:

• arose expenses caused by damage to health a person who carried out labor activities (the citizen must be insured);

IN as a result of an insured event The driver should follow these steps:

1. Stop the car. Exception: The culprit left the scene because he was taking an injured person to the hospital.
2. Document the incident. The European protocol is drawn up by a police representative or the driver, subject to certain conditions.
3. Submit accident documentation to the insurer. The accident must be reported within seven days. This condition is specified when purchasing insurance.

What data exactly is needed?

Form The application requires entering the following data into the document:

• time, date and place of the accident;
• how the accident was recorded;

Sample of filling out an application for an insured event under MTPL

For example, the application is submitted to the Guta-Insurance company. The person who transfers it is Ivan Vasilievich Petrov, who lives in Moscow. The accident happened on May 25, 2011. The time of the event was 14:00. The accident happened on Planetnaya Street. The culprit of the incident drove into a stationary car of the injured person. The incident was recorded by State Traffic Inspectorate employees. The damage was caused by Ilya Nikolaevich Sidorov, who was driving a Peugeot. His insurance contract was concluded with the Spasskie Vorota organization.

A Volkswagen car, which belongs to the applicant, was damaged in the collision. The vehicle damaged by the collision can independently drive to the place where the examination will be carried out. Additional costs No.

All this data must be reflected in the application (there are specially designated lines for filling them out).

Important! Application for payment under compulsory motor liability insurance signed by the applicant and the competent specialist who accepts the documents for their consideration.

What documents should I attach?

The application must be accompanied by documents proving the fact of the accident.

According to the rules of compulsory insurance, you should attach:

• A certified copy of the passport of the driver counting on insurance compensation.
• If the applicant is a person acting under a power of attorney, then it will be necessary to submit a copy of the representative’s passport and a copy of the power of attorney (it is important that this document was active).
• Paperwork for the vehicle (PTS, registration certificate/leasing agreement).
• Details of the recipient person (they are needed when there is a need for receiving insurance payment under compulsory motor liability insurance).
• Certificate of accident (if police officers were involved in resolving the issue).
• Completed notice (if traffic police officers were not called to the scene of the accident).
• Copies of the resolution and protocol on the administrative legal violation.
• Refusal to initiate criminal proceedings.

If a person’s health has been damaged as a result of an accident, then the following must be provided:

• a certificate from an ambulance (if an ambulance provided assistance at the scene of an accident);
• a certificate from a medical institution (if the victim himself went to the doctor);
• conclusion of a medical commission if the injured person has partially lost the ability to work.

If the accident was the cause death of the victim, then it follows demand compensation payment under compulsory motor liability insurance in the event of death. It is important to provide:

• copies of the death certificate;
• papers proving the fact of the events funeral expenses;
• a statement illustrating information about the family of the deceased;
• children's birth certificates;
• certificates from institutions involved in children's education;
• certificates from structures providing assistance to the population in matters of social protection.

To whom should a victim submit a claim for insurance compensation?

To obtain insurance payments under compulsory motor liability insurance, you must submit an application to one of the structures indicated below:

• to an insurance company with which a contract for compulsory car insurance was previously concluded (if the accident was documented using a European protocol);
• to the insurance organization of the culprit of the road accident, if the accident was registered by employees of the automobile inspection and damage was caused not only to property, but also to the health of the victim.

Deadlines for submission and review

If an insured event occurs, you must notify the insurance company within 7 days.

It is possible to notify the insurer:

• in person by visiting the office of the insurance company;
• by calling the company's phone number;
• by filling out the special form provided on the organization’s website.

After the insurer has been notified of the accident, the victim has 5 days (if an accident occurred within the city limits) or 15 days (if the accident occurred far from the city limits) to collect the required package of papers.

For your information! If the victim failed to invest in insurance compensation payment period, the insurance company has the right to refuse to provide compensation.

After the insurer checks the papers, a place and exact time are assigned for experts to assess the damage. The assessment must be completed within 20 days from the date of submission of the papers.

After completing all the above steps insurance organization within a 20-day period must carry out insurance payment.

Let's sum it up

To summarize, it can be argued that insurance payment for compulsory automobile insurance is carried out on the basis of a written application and papers confirming the occurrence of an insured event.

Correctly expressing a claim for compensation to the insurer is only half the battle. It is also important to comply with all deadlines prescribed by law and not violate the clauses of the insurance contract.

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Application for insurance payment under OSAGO - sample

Readers interested in the issue of insurance compensation should know how an application for payment is completed. Without a written request, the client will not receive compensation from the insurer. The law has approved an application form that must be filled out. A sample document can be found on our website.

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General provisions

In accordance with the rules of compulsory motor liability insurance, the party injured as a result of the accident has the right to receive compensation for material damage. To do this, you need to fill out an application form that is approved by each insurance company. A standard sample document and rules for filling it out will be presented below.

Signs of an insurance situation:

Note! When a person was injured when the driver opened a car door in a parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case. You also cannot expect compensation when the car is damaged by an unidentified third party.

Does specific situation To insured event, is decided individually. The law does not provide a clear list of grounds for insurance compensation. This takes into account a number of cases in which compensation will not be provided:

What does the application form include?

The sample application offered by the company AlfaStrakhovanie, the full name of the large insurer Alfa Insurance, includes a standard set of data. The required application must include the following information:

• Full name of the insurer. When an accident is registered under the Europrotocol program, you need to contact a contract company.
• Full name, if the injured party is an individual.
• Name of the company if the interests of the legal entity were damaged in the accident.
• Registration/registration address of the injured party.
• Details of the power of attorney + full name of the owner, if the applicant drove the vehicle by power of attorney.
• Information about the accident (date, location of the incident). It is necessary to specify the direction of movement of the parties, signs or traffic lights (if they occurred in the situation).
• Type of damage. It should be indicated that property or health was damaged.
• Method of recording an incident.

Where should the application be submitted?

Depending on the situation, the application must be submitted to:

Note! The direct method of compensation for damages, which is implemented through its own insurance company, does not deprive the responsible party of the right to receive compensation from the insurer. But only if the fact is discovered after receiving insurance.

The injured person must notify the company that an insured event has occurred. This is done within a five-day period from the date of the incident. If the accident occurred in a remote area, outside the city limits, the application will be accepted within fifteen days. Such rules apply unless other conditions are provided for in the insurance contract.

Notification occurs in the following ways:

• telephone mode;
• personal appeal;
• filling out an online form on the insurer’s website.

From the moment the insurance company is notified, the applicant has 5 days (accident within the city) and 15 days (accident outside the populated area) to collect documents.

Note! If the amount of compensation from the insurance company is underestimated and is not enough to restore the car, then the injured person can file a claim against the insurer.

Additional documents

Additional documents must be submitted along with the application. The rules of compulsory insurance provide the following list:

Sample application for insurance compensation after an accident alpha insurance

A complete refusal to testify may not turn out in your favor. If you feel that you are currently unable to think calmly, ask the inspector for a few minutes to calm your feelings.

• It is unacceptable to sign a blank sheet on which the inspector, under the pretext of being in a hurry, promises to draw a diagram later.
• It is necessary to attract witnesses - all passengers of the injured or at-fault car, if they saw the circumstances of the incident, are witnesses by law. Witnesses have the right to write their explanations about what happened, and the participant in the accident has the right to demand that their explanations be included in the documentation considered during the analysis by the traffic police, the investigation and the trial.

Application for insurance payment under MTPL - sample

• South-Eastern Autonomous District: 170-95-74, 911-09-36, 178-61-88.
• Eastern AO: 166-78-77, 169-42-30, 166-43-30, 375-16-00.
• North-Eastern Autonomous District: 903-09-62, 187-65-36, 971-22-88.

Traffic police on special highways:

• Department No. 1 - 291-60-76.
• № 2 - 945-75-85.
• № 3 - 938-27-19.
• № 4 - 951-55-31.
• № 5 - 246-02-77.
• № 6 - 241-48-57.
• № 7 - 414-47-47.
• № 8 - 219-07-92.

What to do if your vehicle is stolen

• If there are victims and you are able to provide them with all possible assistance, it is necessary to provide this assistance. Because for inaction, i.e. Leaving in danger is subject to criminal liability.
• Under no circumstances should you move vehicles from the place where they stopped at the scene of the accident.

An insured event has occurred

• Information about the vehicle of the guilty party (make, model, registration number, other information).
• Details of the motor vehicle owner of the person responsible for the accident.
• Information about damaged property. If we are talking about a car, then you need to indicate the serial number, VIN code, make and model.
• Possibility of delivering a damaged vehicle for examination.
• Desired method of compensation.
• List of costs associated with evacuation and storage of a damaged car.

Where should the application be submitted? Depending on the situation, the application must be submitted to:

• a company specified in the Europrotocol agreement;
• a company that provides insurance services to the person at fault for an accident.

Note! The direct method of compensation for damages, which is implemented through its own insurance company, does not deprive the responsible party of the right to receive compensation from the insurer.

Did you have an accident

What to do if an accident occurs

• Turn on the hazard warning lights.
• Put up a warning triangle.
• Call the 24-hour dispatch service at one of the following telephone numbers: +7 495 788 0 999 (Moscow and Moscow Region), 8 800 333 0 999 (other regions).
• Provide the following information: insurance policy number, full name or name of the insured's organization, date, place (street, house number), time and circumstances of the accident.

Our dispatchers will help you properly coordinate your actions at the scene of an accident; if necessary, they will call an emergency commissioner, an ambulance or a tow truck.
At the scene of an accident, the emergency commissioner:

• Insurance policy number.
• The make of the car and its registration number.
• Date, time and place of theft (garage, parking lot, away from home, etc.).

Application for insurance payment under MTPL - sample

Sample application to the insurance company in case of an accident

Law “On Compulsory Motor Liability Insurance” in Art. 6., which says that there is no point in counting on compensation if:

• the damage was caused by a car that does not have an insurance policy;
• there was compensation for lost profits;
• damage occurred during competitions, tests, training riding;
• there were bad weather conditions;
• damage occurred during the transportation of individually insured cargo;
• expenses incurred due to damage to the health of a person who carried out labor activities (the citizen must be insured);
• it is proven that one of the drivers is guilty (compensation is provided only to the victim);
• there was compensation for damage to antiques.

As a result of an insured event, the driver must take the following steps:

Alfa insurance

Additional documents Additional documents must be submitted along with the application. The rules of compulsory insurance provide the following list:

• copy (hand in) + original (provide for review) the victim’s passport;
• passport + power of attorney of a third party, if a representative acts on behalf of the injured citizen;
• documents for the car, this could be a registration certificate, title, lease agreement;
• consent of the guardianship authorities when compensation is due to an incapacitated person (age under 18 years, restriction of rights in court);
• statement with bank account details, if monetary compensation is due.

An application along with a package of supporting documents is the basis for compensation for damage from an accident.

How to submit an application for insurance compensation

To do this, you need to fill out an application form that is approved by each insurance company. A standard sample document and rules for filling it out will be presented below.

• use of a moving vehicle;
• there are at least two participants involved in the accident;
• The driver has an insurance policy that is not expired at the time of the accident.

Note! When a person was injured when the driver opened a car door in a parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case.

Application for insurance payment under MTPL

the name of the insurance company where the document will be transferred;

• Full name or name of the legal entity that suffered;
• address where the victim is registered;
• Full name of the authorized person and all details of the power of attorney;
• time, date and place of the accident;
• characteristics of the damage received;
• nuances of the accident that may be relevant to obtaining compensation;
• how the accident was recorded;
• information about the car of the person responsible for the event;
• information about the property of the injured person who suffered;
• the ability to transport the car to where the examination will be carried out;
• additional expenses after an accident (if the car was towed, etc.);
• preferred method of receiving insurance payments.

A sample of filling out an application for an insured event under MTPL. Download the application form and sample for AlfaStrakhovanie.
Renaissance insurance Insured event under CASCO Forms Application for an insured event under CASCO and diagram of the incident Filled out for any incidents, with the exception of theft or theft of a vehicle. Form Example Application for theft or theft of a vehicle Filled out in case of theft or theft of a vehicle.

Form Application for payment of compensation Filled out in addition to the application for an insured event if you want to receive compensation for damage in money rather than repairs. Form Application for Cancellation of an Insured Event Provided if you decide for any reason to cancel a previously declared insured event.

Form Sample power of attorney for the right to represent the interests of the Vehicle Owner in the insurance company. Provided if the insured event is not claimed by the owner of the vehicle.

This takes into account a number of cases in which compensation will not be provided:

• the damage was caused by transport that is not covered by the policy;
• there is moral damage, lost profit, these cases are not covered by insurance;
• the harm was caused by a competitive, educational or test type of riding;
• the damage was suffered by the person who is entitled to compensation under the employment contract;
• harm caused by loading and unloading operations;
• for damage caused to antique and valuable products.

Now let’s look at what it includes and what an application for insurance payment under an MTPL agreement looks like.

Application for insurance payment under MTPL - sample

The cost of a new policy consists of a base rate with individual coefficients.

On March 20, 2015, the so-called tariff corridor, i.e. min and max values ​​of the base rate.

Each insurance company determines the cost of the policy within these values.

The total cost of insurance depends on:

• car power (the more power, the higher the coefficient);
• region of registration (the larger the region, the higher the coefficient);
• the length and age of the driver (the less experience, the higher the coefficient);
• number of years of accident-free driving (5% discount for a year of accident-free driving);
• the number of drivers allowed to drive (limited list - coefficient 1, unlimited - 1.8).

Alfa insurance under compulsory motor insurance online

At the same time, the cost of such a policy does not increase. It is designed to simplify the insurance procedure and save time for clients.

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Alfa insurance: osago online - registration, cost and payments

Free throughout the Russian Federation Ask a question

• 1. General Provisions
• 2 What does the application form include?
• 3 Where should the application be submitted?
• 4 Timing
• 5 Additional documents

General provisions In accordance with the rules of compulsory motor liability insurance, the party injured as a result of an accident has the right to receive compensation for material damage.

To do this, you need to fill out an application form that is approved by each insurance company.

A standard sample document and rules for filling it out will be presented below.
Compensation is due in an insured event. The insurance category includes situations involving the use of vehicles that result in damage to the health or property of the injured party.

MTPL policy at AlfaStrakhovaniye

Submit an application on the company's official website.

• Step two. Collect a complete list of necessary documentation.
• Step three.

Based on this information, company representatives carry out calculations to set the price for the policy.

An application is a strict document, the submission of which is permitted via the Internet.

The application is filled out by the insured person with a personal signature at the end and indicating the date of submission.
To make payments you must prepare:

• Original insurance policy.
• Notification of a traffic accident.
• Vehicle registration certificate.
• The rights of the driver behind the wheel during an accident.
• Documents proving his identity.
• Bank details.
• Information about the incident.
• A document confirming the refusal to initiate a case regarding an administrative offense.
• Original and copy of the administrative violation resolution.
• Original and copy of the administrative violation protocol.

How to buy For clients registered in the AlfaStrakhovanie system, electronic policy you just need to renew it. New users must first open a personal account.

How to correctly make changes to the electronic insurance policy

How to renew an electronic policy

1. Register on the Alfa-Insurance website and indicate your MTPL policy number.
2. Go to Policies: find the current version of your policy in the list, next to it there is a Buy E-OSAGO button.
3. Wait until the data is verified by RSA. After the check is completed, you will receive a message by email about the opportunity to buy an electronic policy online and an application that needs to be filled out.
4. In your personal account, next to the current policy, click on Pay for E-OSAGO and select a payment option.
5. Pay for your purchase.

To do this, fill out the proposed form, and the accuracy of the data is confirmed by entering a password, which the system sends to specified number phone.

Next, the cost of compulsory motor liability insurance is calculated. After payment, the document data is saved in the RSA database (it takes no more than two minutes to verify them), and the policy itself appears in your personal account and arrives by email. All you have to do is print it out (or save it on your smartphone). But this is only if the information entered is correct. If the system finds errors, then in order to make changes to the electronic OSAGO policy from AlfaStrakhovanie, the applicant will have to upload scans of documents that require correction.

A company specialist will already work with them. After making changes, you can proceed to payment.

Insurance purchased in this way is equivalent to its paper version.

How to fill out an application for compulsory insurance alpha insurance

If you don’t have a policy, you will have to cover all expenses associated with an accident from your own wallet (and the amounts are usually quite large).

There are three scenarios for the development of events in the event of an accident.

1. If, through the fault of an insured person with AlfaStrakhovanie, damage is caused to the health and/or car of another driver, then the company, after an assessment by an expert commission, pays him the amount specified by experts. The culprit repairs his personal vehicle at his own expense.
2. If a car and/or a company client is injured due to someone else’s fault, then he receives material damage.
3. If both drivers are at fault, then the extent of each is determined by the court, and AlfaStrakhovanie calculates the ratio of the damage incurred in monetary terms and makes payments.

If the insurance company’s Internet resource has special restrictions, then it is possible to make changes to the electronic policy only in the office of one of the company’s branches.

This will have to be done if, for example, you use the services of the SOGAZ company.

The basis for the changes made is a statement in which clients specify all the desired adjustments regarding the already concluded contract.

If the application is submitted through direct communication in the office, it must be in paper form, and if submitted using Personal account on the website, served electronic application.

Only the person who is the policyholder is authorized to perform this operation; accordingly, he is indicated in the mandatory insurance policy OSAGO in the first paragraph.
The amount of compensation payments may be:

1. For damage caused to a car as a result of an accident, a maximum of 400 thousand rubles.
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AlfaStrakhovanie is a large finance company which offers profitable products to your clients. Thanks to the policy, you can receive a payment when an insured event occurs.

Let's look at how the loss settlement procedure works and what the client needs to do to be guaranteed to receive a payment.

Any insured event must be recorded. This will allow you to quickly receive compensation. How a loss is registered is specified in the insurance rules of the product that the client purchases.

You can download the rules on the official AlfaStrakhovanie website or receive them in the office when concluding a contract. To receive mini-instructions on the official portal you will need:

1. Go to the official website of AlfaStrakhovanie.

3. Select client status: physical or entity and case by product.

4. Read the instructions.

If for some reason it is not possible to study the rules, then the client can always call a service specialist: 8-800-333-09-99 and +7 495 788 0 999.

What to do if an insured event occurs:

• Record the event through the appropriate service. For example, for accident insurance, you should contact medical institution, while in case of an accident in the traffic police.
• Receive official confirmation of the occurrence of the insured event. It must indicate the date, personal data of the insured and the nature of the event.
• Prepare Required documents, which you can contact the office with.

It is also worth noting that if an insured event occurs, you can always contact a company employee free of charge via mobile app, get necessary information and record the case online.

"AlfaStrakhovanie" - Filing an application for an insured event: OSAGO and CASCO

For getting compensation payment the insured event must be recorded correctly. Let's look at how to correctly submit an application to IC AlfaStrakhovanie.

Procedure for settling a loss in the office:

• . It must be taken into account that in most cases the insurer prescribes the application period in the rules. You should pay special attention to this. You can write a statement at the office where the loss settlement department is represented.

• . The company is ready to accept the application only after receiving a complete package of documents. The application form template is provided by the insurer. You will need to indicate: personal and passport data; registration address according to passport; contact coordinates; type and number of the contract; the nature of the insured event; details for which you would like to receive payment. As for the details, the insurer is ready to transfer funds only to a card or account that is opened in the name of the beneficiary under the contract.

• . Following the visit, each client receives a copy of the application with an acceptance mark. If you have not provided all the documents, you will need to apply again and only then receive a copy of the application.

• . After accepting the last document, the insurer has no more than 30 days to transfer funds for the insured event to its client.

What documents are needed when an insured event occurs?

As mentioned earlier, when contacting the office, you will need to have a complete package of documents with you. List of documents:

• policyholder's passport;
• passport and notarized power of attorney, if another person or lawyer is in charge of receiving the payment;
• insurance contract and, if available, a receipt confirming payment;
• documents confirming the occurrence of an insured event;
• bank statement with card or account details.

It is worth noting that depending on the type of contract and the nature of the insured event, an authorized specialist from the loss adjustment department may request additional documents.

In what cases is an insurance claim denied?

In practice, many clients are refused payment. In most cases, the insurer AlfaStrakhovanie refuses for legitimate reasons. Let's look at them:

• the deadlines for contacting the office to write an application were violated;
• not a complete package of documents was provided;
• the event is not insured;
• the policyholder provided false information when taking out the policy;
• fraud was detected.

To ensure you receive a payment, you should carefully study the rules before signing the policy. Special attention It is worth paying attention to the section “Exclusions from insurance”. It states when the insurer has the right to refuse on legal grounds.

"AlfaStrakhovanie" - Refused payment illegally, what should I do?

If, after studying the rules, it becomes clear that the insurance company refused illegally, it is worth defending your rights.

To do this you will need:

• contact the insurer;
• request a written reason for refusal;
• receive an official response;
• prepare a pre-trial claim against the insurer;
• receive a response and payment.

If, after submitting a pre-trial claim, AlfaStrakhovanie refuses, then you should:

• draw up a statement of claim;
• attach a refusal and pre-trial claim;
• go to court.

As practice shows, the court makes a decision taking into account not only internal insurance rules, but also the general norms of the law.

To summarize, it can be noted that in order to receive an insurance payment, the client must correctly write an application, visit the office in a timely manner and present all documents. If the insurer's requirements are violated, you may be denied monetary compensation.