“Tricks of insurers”: how car owners to protect themselves
What tricks are insurance companies and why is the number of payments to the owners?
The accident rate on the roads is increasing, and with it increases the number of failures of insurance companies to pay insurance compensation under the insurance policies. An increasing number of complaints about incomplete payment of SK victims. The website autoconsulting have summarized some guidelines MTIBU and Ukrainian Insurance Ombudsman that may help those who find themselves in a similar situation.The situation with payments of the insurance indemnity, to be exact – with their delays and underpayments is so serious that almost simultaneously MTIBU has opened on its website a new service “Office victim,” and representatives of the Ukrainian Insurance Ombudsman held a training seminar.
Personal “Office of the victim” gives opportunity to familiarize with the materials of the case for reparations, to know the status and stage of the proceedings and load necessary for the settlement of the case documents. In addition, the applicant may put the question of consideration of the case in an online chat and get a competent answer in the settlement Department. To identify the applicant will use a unique code that is assigned to each victim at check in MTIBU for regular payment.
In the Ukrainian Insurance Ombudsman, victims give specific recommendations. Here identified “bottlenecks”, which usually suffers and the client is negligent insurance company. And gave a few tips on how to avoid them and how to deal with them. Here are the most common.
1). SK did not inform victims about the necessity of applying for insurance compensation. Or do not accept such a statement without a court order. And if there is no statement – there is no compensation.
What to do? After an accident the victim should simply demand in the UK sample application for payment of insurance indemnity.
2). SK States that the vehicle damage allegedly occurred not under those circumstances specified in the application for payment and make their own technical expertise. According to her results, not paid or paid in smaller amounts.
What to do? Usually examination conducted unilaterally, have no evidentiary value as held based on the photo. Therefore, if the accident is decorated with the participation of police officers, the administrative Protocol and the judgement, the study of IC has been completely refuted. And it is necessary to require from the UK a written justification to reduce the size of payments or failure. And after receiving such a response, to challenge the decision of the UK to the financial services Commission or in court.
3) SK refuses to pay and takes responsibility, because the culprit was in a state of alcoholic intoxication. So, according to the UK, he must pay the victim.
What to do? Demand from the UK written justification to reduce the size of payments or failure. And after receiving such a response, to challenge the decision of the UK to the financial services Commission or in court since it is a private interpretation of insurance legislation. Actually, the SK must first pay compensation to the victim, and then claim it from the guilty party.