Good afternoon
Insured event Z692/407/17093/18. Purchase insurance: Samsung A5 cell phone, purchased in June.

An insured event occurred: a branch fell on a cell phone in a park in Novomoskovsk, the screen was damaged by a blow to the center.
Without leaving my place, on September 14 at 1:37 p.m., I called the Alfa Insurance hotline to inform about the insured event, get information about my further actions and find out about the required set of documents. Naturally, I don’t know the contract by heart and I don’t carry it with me, it’s at home. They sent me an SMS necessary set documents. Additionally, I asked if I (more precisely, my wife with infant) leave the scene of the incident, is it necessary to call the local police officer or somehow record what happened? - They answered me - No, it’s not necessary. I have a recording of the phone call.
In Euroset and at the Alfa Insurance Tula branch, I tried to find out if I could independently carry out diagnostics and repairs at an authorized Samsung center and submit documents for compensation so as not to hand over the phone, which would be pointless in case of failure. I carried out diagnostics - the cost of repair is 5,600 rubles, the repair period is 2-3 days.
After a week of communication, I was told in the affirmative that I needed to hand over my phone and documents, and then, as it turns out, no one would review the documents without a phone.
After some time, I went to the Alfastrakhovanie department on 01.10. Tula with a full package of documents to clarify whether I could submit the document in the composition that I have, whether additional certificates were needed - they answered me “Everything is in order, you can submit documents” (spoke with a girl in the loss settlement department, alas, I didn’t write down my full name, blond hair, looks 30-35 years old, works at the window on the left).
I handed over the phone to Euroset on 02.10. Naturally, everything was accepted there without any problems, they didn’t ask for any certificate.
And this story ended in the ugliest way - I gave up the phone for an unknown reason for a month, and in the end - a refusal. They called me back on November 1 at 19:01 from the number +74956631414 from the Moscow Loss Settlement Department and said that they still lacked a certificate!!! What kind of certificate? They could not give me an affirmative answer to this question (the conversation was recorded). The specialist began to utter incomprehensible phrases about management company, but the park does not have a management company... in the end I did not hear an answer.
The city landscaping service does not issue any such certificates and does not intend to issue them.
Hence the question:
1) why did the hotline specialist mislead me by not indicating the need to obtain an unknown certificate and allowed me to leave the scene of the incident?
2) why didn’t the specialist from the loss settlement department in Tula provide information about the need for an unknown certificate?
3) why is the loss settlement specialist who contacted me from Moscow unable to tell me exactly what the certificate is called and who MUST issue it to me? But in view of question number 1, no organization will issue me any certificate.
Gentlemen, your employees know their work too superficially, but in fact, their clients suffer from their actions, in particular me!
I consider myself a victim of the negligent actions of your employees, both financially and morally. It looks very much like a fraud scheme to reduce insurance payments due to the requirement for certificates that no one issues.
Contact phone number: 8-910-945-70-86.

The facility insurance procedure provides for the possibility of receiving insurance compensation in the event of a situation stipulated by the agreement between the parties. In this case, the amount of compensation is regulated by the terms of the contract and legislation and does not depend on payments under other contracts.

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What it is

To guarantee the stable financial condition of an individual or business entity, a contractual agreement is drawn up with the insurer, the subject of which is a certain object.

Activation of the insurer's obligations occurs at the time of the occurrence of a situation identified in the contract as an insured event.

Compensation payments to restore the original condition of the object and its functionality are made only if the client complies with the rules established in the contract:

• regular payment of contributions;
• preliminary notification of situations or characteristics of the insured object that may provoke unforeseen situations for timely recalculation of the degree of risk;
• notification of an accident that occurred with the policyholder within 24 hours, excluding weekends and holidays;
• written notification of the incident within three days indicating the location of the subject of the contract;
• carrying out activities to collect data in documentary form;
• notification of the accident to the relevant authorities, which may be the traffic police, emergency, ambulance or fire services;
• drawing up a report in the form established by the insurance company regarding one’s behavior at the time of the incident, the damage caused to the subject of the contract and the approximate amount of damage.

In accordance with the terms of the agreement, Insurance Company obliged:

• adhere to all instructions provided in the contract;
• conduct examination and documentation by going to the scene of the incident;
• independently assess the amount of damage caused, and if necessary, resort to the services of expert organizations;
• establish the amount of compensation;
• observe the established period for each stage preceding payment, as well as for final settlements;
• make insurance compensation in accordance with the amount of damage caused, the cost of which is determined through expert work;
• draw up an act showing the type of damage to property, which will subsequently serve as a document proving the fact of damage.

Who can receive

Beneficiaries may be:

• victims;
• owners of insured property;
• legal heirs in the event of the death of the victim or owner.

As a result of accidents falling under the insurance category, there may be victims, which include persons directly involved in the incident that caused them physical or psychological injury.

Owners of property that was insured at the time of the incident may not participate in the event that is insured, but the fact of damage to property requiring restoration obliges the insurer to make compensation.

Application for payment of insurance compensation

The fundamental document required to initiate the compensation procedure is an application for payment of insurance compensation.

Large insurance companies, such as Alfastrakhovanie, known for their versatility in the niches of activity covered, on their official website allow you to implement the entire range of necessary operations related to registration.

With help online calculator By entering basic data, you can determine the estimated amount of compensation, the amount of which can be taken into account in the application.

Video: What's legal

Preliminary

When severe damage occurs that requires immediate restoration of the damaged object, the insurance company makes a preliminary payment.

To receive it, the policyholder must, along with the main application, submit an application for payment of partial compensation for damage

After the payment is made, information about the event must be reflected in the individual accounting card, a sample of which can be found by going to.

If during the investigation it turns out that the damage caused is not subject to compensation, then the amount issued to the policyholder must be returned to the insurance company.

Rights of the policyholder In accordance with the terms of the contract, as well as regulations Russian Federation

• , the policyholder has the right to demand from the insurer:
• compensation for damage within the insured amount;
• an increase in payments in situations where the consequences of the incident turned out to be more serious than initially determined;
• compensation for expert research and other expenses necessary to conduct an investigation and collect evidence;
• advance payment;
• insurance payment on time;

penalty in case of violation of deadlines.

Regulation of payments

The amount of compensation payments for each type of incident is determined according to its own methodology.

• In the event of damage to property, rules apply that in the event of damage:
• luggage, the insurer pays a sum of money in the amount of 600 rubles for each kilogram;
• small luggage, one-time payment of 11,000 rubles;

large-sized property, you can recover an amount corresponding to the amount of damage caused, taking into account the restrictions provided for in the contract.

If the terms of the agreement take into account a deductible, then the amount of the penalty is reduced by its amount.

In case of complete destruction of the insured property, the owner is compensated for its value without taking into account natural wear and tear and the remaining amount of remains suitable for further use.

Many well-known insurance companies, such as Rossgosstrakh, along with various profiles, specialize in human life and health insurance.In accordance with their terms and conditions,

• When causing harm to human health:
• the amount of compensation cannot be less than 2,000,000 rubles;
• in the event of a deterioration in the victim’s well-being due to the circumstances of the insured event, or the discovery of the fact of the consequences of harm in monetary terms exceeding the conditions provided for in the contract, the policyholder has the right to demand assistance in excess of the stipulated amount.
• if there is a fact of death, the relatives of the deceased are paid the amount stipulated by the contractual obligations, but its amount cannot be less than 2,025,000 rubles.

Insurance claims under auto insurance and bank deposit insurance contracts are carried out strictly in accordance with the terms of the contractual agreement.

It is worth noting that insurance payments of all categories are not subject to taxes.

Deadlines

The terms of payment of insurance compensation are determined by the terms of the contract. If there is no corresponding section in the document, the value is regulated by legislative norms:

• in case of damage to the health or property of the policyholder - 30 calendar days;
• in case of death of the policyholder - 60 days.

If the insurer violates the terms of payments, the policyholder has the right to demand compensation from him for each overdue day, taking into account the refinancing rate applied to the amount of debt.

Refusal to pay

The policyholder may be denied insurance compensation in the following situations:

• untimely notification of the occurrence of an insured event;
• provision of an incomplete package of documentation;
• making corrections to the insurance policy;
• classifying the incident as a non-insurable category.

If the policyholder believes that the refusal to pay is unlawful, he has the right to go to court to resolve the problem.

To do this, you need to prepare a statement of claim, the main requirements for which are reflected in the table.

Chapter	Content
"A cap"	The name of the judicial organization indicating its location.
	Details of the plaintiff, who is the victim.
	Information about the defendant - the insurer.
	Cost of claim.
	Information on payment of state duty.
Title of the document	Statement of claim for payment of insurance compensation.
Main part	Explanation of the circumstances that led to the occurrence of the insured event.
	Mention of the existence of a contractual agreement and indication of the relevant sections regarding which the conflict situation has arisen.
	Reference to legislation whose norms regulate the legality of the plaintiff’s appeal to the court.
Requirement	The requirement must be justified and expressed in a specific monetary unit, the amount of which should take into account the basic insurance payment, penalty and additional expenses.
Application	Insurance contract.
	Documents confirming the identity of the plaintiff.
	Receipts for payment of state duty.

Procedure for the trial

Before contacting judicial institutions in order to prevent a conflict situation regarding the illegality of the decision made, the policyholder must contact the insurance company with a claim, which should include a request to review the conclusion of the insurance commission on the refusal to provide compensation.

If you receive a negative answer, you must contact the court, which will consider the statement of claim, all the evidentiary documentation provided and make a decision that is enforceable by both parties.

Deposit insurance

A separate insurance system that operates in accordance with legal requirements is compulsory insurance of bank deposits. The purpose of the state program is to protect the savings of the population.

Sberbank offers favorable conditions to its clients regarding the insurance of bank deposits registered with other financial institutions participating in the program.

When an insured event occurs related to the liquidation of a bank or its insolvency, the basis for payment to the injured person is the decision of the commission of the Deposit Insurance Agency:

• about accreditation;
• on granting the right to participate in the competition to organize payments.

Compensation is due 100 percent of the invested funds, the amount of which should not exceed 700,000 rubles.

The procedure for receiving funds as compensation provides for a phased implementation of the following measures:

1. Checking on the organization’s website for the presence of a financial institution in which the funds on the list are invested.
2. Completing and submitting an application to a branch of Sberbank of Russia. Documents for consideration can be submitted in person, through an authorized representative, or by mail. If the compensation amount exceeds 1000 rubles, the applicant’s signature, when sending documents by mail, must be notarized.

Within three working days, funds are transferred to the applicant’s account.

Having formed a contractual relationship with the insurance company, the client receives guarantees of the safety of the subject of insurance, as well as the stability of his financial position, which will not be disrupted due to the need for restoration costs appearance and functionality of the damaged object.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

To reimburse payment for the services of an independent expert, services for evacuation and storage of damaged property, original documents (bank payment, cash receipt or numbered receipt) confirming payment for these services are provided. 6.Other documents: 6.1 For individuals: 1. A copy of the passport of the injured person (the owner of the vehicle, or the person receiving compensation payment under a notarized power of attorney from the owner of the vehicle) (first page and registration). In the event that the applicant is not the owner of the vehicle - a copy of the representative’s passport and a power of attorney (or a copy thereof) from the owner of the vehicle, certified in the prescribed manner (clause 3.10 and clause 4.14 of the OSAGO Rules), for the right to represent the interests of the owner in the RSA or insurance companies, as well as with the right to receive insurance or compensation payments. 2.

What to do if an insured event occurs

Documents that allow you to identify a traffic accident as an insured event (originals or copies of documents certified by the State Traffic Safety Inspectorate): 2.1 Certificate of a traffic accident issued by the State Traffic Safety Inspectorate - form No. 154 (or No. 748, issued before 02/01/2012). 2.2 Copies of the protocol on an administrative offense, a resolution on a case on an administrative offense or a ruling on the refusal to initiate a case on an administrative offense must be presented to the victim in cases where the preparation of such documents is provided for by the legislation of the Russian Federation. 3. Notification of a road accident (if the application is under the European Protocol, the notification of an accident must be filled out COMPLETELY by both participants in the accident). 4. A copy of the policy of the person responsible for the accident (if available). 5.

What documents are needed for payment under compulsory motor insurance?

Such litigation often drags on for a long time, but there is always a chance to defend your rights. It will not be possible to return the insurance money in full, but if an agreement was concluded on periodic payments of the insurance premium, then you have the opportunity to repay the loan ahead of schedule and be freed from debt obligations to insurers. How much will I get back if I cancel? If you cancel your insurance during the cooling-off period, you will be refunded the full amount, except for those days on which the insurance was valid.
That is, if you submitted an application 3 days after the first installment of the loan and insurance, then you will be refunded the money minus 3 days when you were insured. If you decide to suspend your insurance after the cooling-off period ends, the bank may, of course, refuse to issue a refund.

Alfa insurance

Details are provided separately when such an item was not included in the application for insurance payment, and you need to receive compensation funds by bank transfer.

• If the innocent insured person turns out to be a minor citizen of the Russian Federation, then the insurer will need to provide consent from the guardianship authorities and the board of trustees. This can happen if a minor becomes a beneficiary as a result of the death of his parent, who was driving at the time of the collision.
• A power of attorney in case the victim of an accident is unable to come to the insurer’s office (for example, an innocent participant in an accident is hospitalized). The power of attorney is issued to the representative of the victim and must be certified by a notary.
The victim will be able to fill out the application form either at the company’s office or on the insurer’s official website.

How to cancel insurance on an alpha insurance loan?

For those located remote from large cities, where insurers' office centers are most often located, this period is determined to be 15 working days. All documentation that is required to be issued by road patrol officers from the traffic police is regulated by a special order from the Ministry of Internal Affairs of the Russian Federation No. 185 dated 03/02/09, which was last changed on 12/22/14. Therefore, as soon as the police hand over everything to the innocent party Required documents, you must immediately contact the insurer for payments.
Considering the urgency of the issue, every victim in a car accident must prepare copies and originals of all necessary papers and provide all the documents necessary for payment under compulsory motor liability insurance to a specialist in the insurance company of the person responsible for the accident.

MTPL policy at AlfaStrakhovaniye

Since the information system already contains information about this agreement, bringing the driver to administrative liability in accordance with Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation is excluded. Therefore, naturally, you always need to have with you the documents that are necessary when driving a car. You can print out your MTPL insurance policy from your email, or present it directly on your electronic gadget.

How to buy electronic policy To buy an electronic policy in Moscow, you need to go to the Alfa-Insurance website. You can apply for and purchase an MTPL policy online only for cars manufactured no earlier than 2007. For all other cars, you must contact the AlfaStrakhovanie office.

Online calculation of compulsory motor liability insurance is available 7 days a week around the clock. Thanks to online calculation, you can find out the price of an insurance policy without wasting extra time on a trip to the office.
Conclusion (certificate from a medical institution, social security authority) about the need for outside care, if at the time of the insured event there were persons dependent on the deceased who needed outside care Certificate from a social security authority (medical institution, local government body, employment service) about that one of the parents, spouse or other family member of the deceased does not work and is busy caring for his relatives, if at the time of the insured event the deceased was dependent on non-working family members caring for his relatives A copy of the certificate of guardianship (if the applicant/recipient of compensation payment is the guardian) A certificate from the guardianship and trusteeship authorities indicating permission to transfer money.

Alpha insurance required documents for insurance payment

The insurance package is called “Income, Life and Health Protection”. The essence of insurance is that the insurance company assumes the authority to repay the loan in cases covered by the insurance, namely:

• Dismissal of the payer;
• Reduction of payer position;
• Closure of the organization in which the payer works;
• Death of the borrower;
• Obtaining disability under any circumstances.

Payments will be made as follows in the event of an insured event:

• In case of job loss, insurers undertake to pay 3 monthly payments;
• If the borrower dies or becomes disabled, the company undertakes to pay the full amount of insurance.

Considering the unstable economic situation in the country and the world, perhaps loan insurance makes sense.
How damage compensation is carried out The amount of insurance payment is made in the amount of expenses that are necessary to bring the property to the condition in which it was before the insured event. The cost of repairing a vehicle is calculated based on the vehicle inspection report, as well as other documents from the competent authorities. Restoration costs are paid at regional average prices.
It is also necessary to take into account the wear and tear of parts, components, assemblies, and assemblies that are used during restoration work. If the victim believes that the assigned amount is insufficient, he has the right to request the difference for the actual repairs through the court from the person responsible for the accident.

Attention

All applications for payment under compulsory motor liability insurance are drawn up in free form. If the insurer does not have its own standard form, then the policyholder simply writes such a statement on his own. But in most cases, each insurance company has its own form, which takes into account all the points necessary for filing a case.

Very important nuance– in case your car has become unsuitable for further use, this should be mentioned in the application. Download the payment application form. Then the insurance company will consider the essence of the issue not in terms of repair and restoration of the car, but in terms of its complete destruction. And these are other insurance amounts to cover damage. Where to apply to the insurance company There are several options for departments to which victims of road accidents usually apply to the insurance company for payment of insurance premiums.

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.

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.

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. You also cannot expect compensation when the car is damaged by an unidentified third party.

Whether a specific situation is considered an 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:

• 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.

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 any in the situation).
• Type of damage. It should be indicated that property or health was damaged.
• Method of recording an incident.
• 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 in an accident.

Note! The direct method of compensation for damage, 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.

Deadlines

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:

• 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.