- Why is it more profitable to refuse OSAGO repairs?
- Didn't show the damaged car to the insurer - is it a CMTPL denial or not?
- How to avoid a dependent assessment in the direction of insurance?
Dmitry (30.03.2018 18:50:00) The article is false literally from the first lines! You, as a victim, have every right to choose any service station where you want to be repaired and the insurance company in this case will have to conclude an agreement with this service station, but they really don’t like this in the flesh until the trial with them! Instead of repair, you can get money only if the amount of damage does not exceed 50 tr., a European protocol is drawn up, documents are submitted to the insurance company, money is paid to you!!! Olga (04/14/2018 01:59:33) Hello! I want my car to be repaired at a service station that is reliable for me (it is not on the lists from the UK), I wrote a detailed explanatory note, the result: they sent me to an Unreliable service station with a bad reputation, there is a gene.
OSAGO repair
How is the repair carried out? Is depreciation taken into account? Do I need to pay an STO? The law obliges the use of new parts when carrying out repairs and prohibits putting used ones on a car. Therefore, depreciation is not taken into account. By the way, they can supply new non-original (Chinese) spare parts. A repair surcharge is provided only if the culprit has an old policy and you choose to repair instead of money (see the answer to question 1).
4. Does the warranty void during OSAGO repairs? A mandatory requirement for a service station with which an insurer has an agreement is that it has its own agreement with a manufacturer or distributor of cars of the corresponding brand. In other words, it should be the service station of an authorized dealer. This requirement is mandatory if your car is less than two years old (from the date of manufacture).
The warranty does not expire if it itself does not exceed this period.
403 - access denied
Since it does not contain an object that causes a conflict between the insurer and the insured. The client receives a repaired car as a result of its use, and the company transfers funds to the service station account for the repair and restoration work performed. If the damaged part of the car needs to be replaced, then the insured pays extra for wear and tear, because the payment for OSAGO, which takes into account wear and tear, is a requirement of legislative acts.
If replacement is not required, then no additional payment is required. Insurance company Rosgosstrakh carries out repairs under OSAGO in more than five technical centers located in different cities where the company has its offices. As the project develops, it is planned to increase the number of centers. The company covers an increasing number of cities, where it will introduce a service for issuing a referral for repairs under the program implemented by OSAGO.
All about repairs instead of paying for OSAGO after an accident
Otherwise, if the guarantee is given for a longer period, then it flies. 5. What are the terms for making insurance compensation and making repairs? The insurer is obliged, after inspecting the vehicle, to issue a referral to the service station within 20 days from the date you submitted an application for an insured event with a full package of documents. Repairs must be carried out within 30 days from the date you handed over the vehicle to the workshop.
This is a mandatory requirement that cannot be changed by any agreement. Pay attention just after the transfer of the car to the service! If you do not transfer the car to the service, but continue to drive it, then 30 days do not begin to be calculated. 6. Who is responsible for the delay in repair and its poor quality? Car service or insurer? The insurer is responsible to you.
How to act in case of an accident on OSAGO in Rosgosstrakh
Cost Since December last year, the cost of repair and restoration work has been calculated according to the newly adopted methodology. It introduced new directories developed by the Russian Union of Motor Insurers. The use of reference books is mandatory for insurance companies, service stations.
They contain cost indicators:
- spare parts used to replace worn parts of the car;
- materials used in repair work;
- standard hours required for the production of work.
Price indicators are classified depending on the region of the Federation. They are available to all participants in the insurance market. The calculation of the cost of car repairs under the OSAGO policy has become the same for all participants since the introduction of the PCA guides.
Info
Who repaired the car for OSAGO in Rosgosstrakh? done okay? In no case should you move them from their place before the arrival of a doctor or change the position of the body, its individual parts - if the participants in the accident are unconscious. This can lead to serious damage to internal organs if the accident is serious enough. At the same time, even before the call ambulances, firefighters and law enforcement should always disconnect the terminals from the battery. Thus, fire can be avoided. Subsequently, the Rosgosstrakh company under the OSAGO policy is obliged to compensate for the costs of treatment. But at the same time, the victim himself will need to save all payment documents without fail. In the event of an accident without victims If there are no victims, the procedure to be performed is somewhat different.
Dtp Rosgosstrakh sent to the service
They said to wait for the appraiser, he waited, he took a picture and says the loot will fall on the card that I had) And that's it! But they paid emae, the Chinese asked for 6k, in the service 9k, and the payment fell 4.5k, ZBS!
- 09/24/2014 12:09 #14 Well, I came to Rosgosstrakh with these papers, they told me that I still need to wait for the decision, after October 2, only for evaluation. 17 days after the accident to wait for an assessment? Something wrong
- 09/24/2014 13:34 #15 Message from Laina Here, and I arrived at Rosgosstrakh with these pieces of paper, they told me that I still need to wait for the decision, after October 2 only for evaluation. 17 days after the accident to wait for an assessment? Something is not right, Lord, well, you have already chewed everything 3 times ...
- 09/24/2014 14:15 #16 Posted by Laina Here, and I came to Rosgosstrakh with these pieces of paper, they told me that I still need to wait for the decision, after October 2 only for evaluation.
Who repaired the car for OSAGO in Rosgosstrakh? done okay?
- OSAGO question, referral for repairs according to the new rules
- 403 - access denied
- OSAGO loss: repair instead of payment
- Rosgosstrakh
CTP repair Attention Judge for yourself:
- First of all, you cannot independently choose a car service according to the parameters that are important for you (proximity to home, deadlines for work, as well as the reputation of the station).
- A significant drawback is the impossibility of being present at the station and monitoring the repair process, which threatens, in the event of dishonest performance by the auto service of restoration work, at least unidentified and uncorrected internal damage.
- It is impossible to find "extreme" for not high-quality repairs.
If the auto-service does anything for a penny from the insurance company, the insurance company says: “We don’t know anything - go to the service and figure it out.”
Contacting Rosgosstrakh
According to it, in the event of a traffic accident, motorists are given the right to choose the form of compensation for compulsory motor third party liability insurance between receiving monetary compensation and performing repair and restoration work to bring the car into the appropriate condition at the expense of the insurance company. The amendments to the law provide that the insurance company is obliged to make a payment or send a reasoned refusal within 30 days from the date when the client filed an application about the occurrence of an insured event. It notes that if the denial of the insurance payment is not sent to the client within the allotted time for this, then for each day of the overdue day, the injured person must pay a penalty sanction, the amount of which is equal to 1/150 of the Central Bank refinancing rate.
At the cost of painting the wing is about 4-5t.r., I think the RGS will pay about three. Maybe some repairs will be required, then a little more. The door is not visible in the photo.
- 09/23/2014 18:15 #11 So I need to come with the same docks in 11 days? Or is there something else needed? There, the corner of the door is not much peeled to white :(
- 09/23/2014 20:46 #12 Posted by Laina So I need to come with the same docks in 11 days? Or is there something else needed? There, the corner of the door is not much peeled to white: (10 days are given to the parties for appeal, it is considered from the date of the accident. Not much, but it is necessary to paint)
- 09/24/2014 05:14 #13 I remember after the accident, the traffic cop measured everything...
Let's go to the traffic police, they wrote an explanatory poem, the culprit was fined 100 rubles) After the traffic police, the next day I went to the insurance, with all the papers that were given to the traffic police, I sketched an accident diagram there ...
What to do if there was not enough money for it However, in practice, specific problems often arise in service technical centers, mainly related to payment for repairs, which significantly exceeds the amount transferred by insurance companies. Naturally, in this situation, it is unlikely that the service station will sue the insurance company, and she will ask to pay extra for the repair of the car owner. In which companies can it be done? If there was an accident, the injured person within 20 calendar days after filing an application for an insured event, as a result of which he suffered losses, can receive a referral for repairs.
Moreover, it is possible to make repairs only at the service station offered by the insurance company.
We answer the most frequently asked questions about receiving insurance payments (loss settlement).
CMTPL payments are not enough to repair the car. Explain how the calculation was carried out.
The calculation of the insurance payment is carried out in accordance with clause 4.15 of the OSAGO rules, according to which recovery costs are paid based on the average prices prevailing in the relevant region, except for cases when the victim receives compensation for the harm caused in kind. In the event that the victims receive in-kind compensation for the damage caused, the recovery costs shall be paid by the insurer in accordance with the contract providing for the repair of the vehicles of the victims, concluded between the insurer and the vehicle service station to which the vehicle of the victim was sent for repair. When determining the amount of restoration costs, the wear of parts, assemblies and assemblies is taken into account. The amount of expenses for spare parts is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs. Consequently, the lack of funds for the repair of the vehicle may be due to the fact that when repairing a damaged vehicle, new parts and assemblies were installed at the service station. In accordance with clause 14.1 of the Federal Law on OSAGO, for compensation for damage caused to property, you can apply to your OSAGO insurer if the following circumstances exist simultaneously: According to paragraph 21 of Art. 12 of the Federal Law on OSAGO The insurer considers the victim's application for insurance payment and the submitted documents within 20 calendar days, except for non-working holidays, from the date of their receipt. At the same time, it should be taken into account that the decision-making period starts from the date of submission of the last document necessary for making an informed decision, provided for by the OSAGO rules. In accordance with the Federal Law on OSAGO, the insurer may exercise its right to organize an independent technical expertise. Thus, the payment will be made on the basis of an independent technical examination carried out by the insurer. The insurance payment is based on the conclusion of an independent expert on the cost of restoration repairs, taking into account depreciation. However, the final decision on the amount of insurance payment is made by the Insurer based on the analysis of the full set of documents required for payment. At the same time, we note that information on the amount of payment in the interests of the client and in accordance with Article No. 946 of the Civil Code of the Russian Federation is not disclosed by the contact phone number of the company. In this case, you cannot receive a payment, since it is insured under the OSAGO policy your civil liability to third parties (that is, the insurance company as a result of an accident through your fault can make a payment to the victims). The sum insured, within the limits of which the insurer, upon the occurrence of each insured event, must compensate the injured for the harm caused, is: * The amount of insurance payment for causing harm to the life of the victim is: The amount of damages subject to compensation in case of damage to the property of the victim is determined by: Upon recognition of the fact of an insured event, the insurer compensates the insured for losses by making an insurance payment. The amount of the insurance payment may not exceed the amount of the sum insured established under the insurance contract. The specific conditions and procedure for the payment of insurance compensation are defined in the Voluntary Insurance Rules, in accordance with which the voluntary insurance contract was concluded. The list of service stations where OSAGO repairs are possible is posted. The possibility of servicing your car at the selected service station can be clarified at the loss settlement center of Rosgosstrakh when submitting an application for an insured event. In case of damage to the interior decoration and engineering equipment. The calculation of the amount of damage is made in accordance with paragraph 9 of the Rules for voluntary insurance of buildings, apartments, household and other property, civil liability of owners (owners) of property (standard (single)) No. 167 of 10/15/2007, based on the Inspection Certificate; death, damage or loss of buildings (apartments), household and / or other property, documents of the competent authorities and in accordance with the terms of the concluded Insurance Contract: In case of damage (and/or loss) of household property. The calculation of the amount of damage is made in accordance with paragraph 9 of the Rules for voluntary insurance of buildings, apartments, home and other property, civil liability of owners (owners) of property (standard (uniform)) No. 167 of 10/15/2007. on the basis of the Inspection Report; death, damage or loss of buildings (apartments), household and / or other property, documents of the competent authorities and in accordance with the terms of the concluded Insurance Contract. The amount of the insurance indemnity is determined in accordance with the terms of the concluded insurance contract. When a building is damaged. The calculation of the amount of damage is made in accordance with paragraph 9 of the Rules for voluntary insurance of buildings, apartments, home and other property, civil liability of owners (owners) of property (standard (uniform)) No. 167 of 10/15/2007. on the basis of the Act on the destruction, damage or loss of buildings (apartments), home and / or other property, the competent authorities and the terms of the concluded Insurance Contract.
Which insurance company should I contact for OSAGO payment if I am not responsible for the accident?
How long to wait for OSAGO payment?
Will I receive a CMTPL payment from my company if an unknown vehicle hit my car in my absence?
How is the CASCO payment made?
These expenses also include expenses for materials and spare parts necessary for the restoration repair, expenses for payment for work related to such repair. The amount of expenses for materials and spare parts is determined taking into account the wear and tear of components (parts, assemblies and assemblies) to be replaced during restoration repairs.
The specifics of the work of an insurance company with independent stations is that, unlike the services of official dealers, universal service stations are mainly engaged in repairs, and not all of them offer car sales services. “Independent” earn on technical service and related services, and therefore those stations that partner with insurance companies depend on the volume of the repair resource, the main “supplier” of which is precisely the insurers.
If we are talking about a company of the Rosgosstrakh level, then the closest attention is paid to the choice of stations that receive cars for repair in case of insurance claims. At the same time, several criteria are put at the forefront, which were described by Sergey Vasilyevich Dukhanin, Director of the Partner Relations Department of the Loss Settlement Department of the Rosgosstrakh company.
- Sergey Vasilyevich, tell us what criteria a service station must meet in order to become your partner?
– Rosgosstrakh has developed a list of 23 criteria that are decisive both in the initial selection of new car service stations and in the process of supporting their work. These criteria include: the availability of first-class service equipment, a spacious and properly organized repair shop, a client area, high quality repairs, compliance with the deadlines for the implementation of work, the absence of acts of disagreement in working with insurance companies.
I will also add that in the list of requirements, special emphasis is placed on the fact that the car service has a complete set of equipment and tools for plumbing and body work. There are no manufacturer-specific installation requirements. After all, it is not brands that are more important, but the result of work, quality and efficiency.
Requirements are also put forward for the technical personnel of the station. Of course, we cannot and are not obliged to check the professional level of each service station employee. We have one entry point: the management of the technical station. And it is from him that we ask the quality of work, which, in turn, directly depends on the professionalism of all service station employees, because, as you know, a low-skilled specialist will not be able to do the job efficiently.
I note that there are requirements for the software. To optimize our work, it is necessary that the station works on official software. In "Rosgosstrakh" they work on all programs that are common in the field of IT solutions for negotiating the repair of insured cars, there are also programs for carrying out inspections.
– What if the station does not meet the requirements at any stage of operation?
– At the initial stage of joint work, all stations meet our requirements. If any problems arise in the course of work, then this issue is resolved at the management level. Some time is given, during which the car service can correct the shortcomings without stopping its work. If, after this period, the shortcomings remain, we stop working with such a service station. However, for the entire very long period of my work at Rosgosstrakh, I can only recall a few such cases. At the regional level, the interests of Rosgosstrakh are represented by our branches, and we, the central office of the company, agree on repair prices, check the criteria for selecting a station, monitor work, and process information received in the form of feedback from our insurers. If a large number of complaints about a certain service station accumulate, we analyze this case and decide whether to continue working with it or not. In the latter case, the search for a new station is carried out by the regional branch.
I want to note that every time we make a balanced and considered decision. Obviously, starting to work with a new service station, both we and the station management need some time to establish a relationship and, as they say, “get used to it”. There is also such a nuance: within the framework of the insurance policy, the insured gets used to any station and, when the next insured event occurs, ask to send it to the usual service station. It is also important to take this into account when monitoring the operation of the station.
– How actively do the stations respond to your requirements?
“The independent stations that work with us are very receptive. After all, they largely depend on the insurer, which gives them a repair resource. That is why the heads of car services most often correct the errors and inaccuracies that an independent audit reveals. They seek to avoid disagreements, and we, in turn, welcome those who have reformed, because, as you know, "an old friend is better than two new ones." From the outside it may look like blackmail, but it's fair: if you are guilty, then correct yourself and continue to work with us. In addition, it is difficult and pointless to suspect Rosgosstrakh of intentional bias in working with independent service stations. Thanks to strict observance of our requirements, the car service is able not only to provide itself with a constant load, but also to improve the quality of its work, which, you see, is beneficial to any station. Let's remember the beginning of the 2000s, when the segment of independent technical services in Russia was represented mainly by handicraft stations and garages. With the advent of insurance companies, this sector of the market began to grow qualitatively. And Rosgosstrakh, which began working with stations in 2005, has been and is directly involved in the development of the market for independent service stations, in improving the quality of their work and raising the level of customer service.
– In addition to directly working on insured events, what other points of interaction does the company have with independent service stations?
– We offer car services to place a point of sale of insurance policies on their territory. We are not forcing anyone to do this. But it is obvious that for the bus station this format of work with the insurer is also a contribution to its own development, an opportunity to increase its customer focus and offer customers the most complete offer of repair and insurance services.
- What is the meaning of the concept of high-quality "customer service"?
- Customer service in working with the station in Rosgosstrakh means high quality of service for policyholders, high-quality, timely repairs, transparency of the station in relation to the client and a friendly attitude. As often happens: an insured event occurs, the motorist calls the insurer, on whose shoulders the process of organizing repairs falls to some extent. At a certain stage of the settlement, the client “forgets” about the insurance company and interacts only with the service station. And we intervene in these relationships only if the motorist, dissatisfied with the quality of the repair or the timing of the repair work, again applies to the insurance company. This time with a complaint. Then we organize an on-the-spot check, involve an independent expert in such work, and with his help we find the perpetrators. We strive to improve customer service. And that is why in Rosgosstrakh there are no insurance payments in cash in the hands of the client. Compensation is carried out through repair work. Thus, we exclude the possibility of any fraud and guarantee that the insured will receive a repaired car.
- There is an opinion that insurance companies complicate the life of car services and at the same time they are less strict towards official dealers? Do you think these points of view are correct?
- The problems that arise between the insurance company and the service station must be considered in each specific case. Often such problems are generated by the insurer himself. And here the level of work of the company, the availability of financial resources for payments on invoices and its internal regulations, that is, the goals pursued by the insurer in working with car services, are of great importance. If the insurer, due to the shortage of funds that has arisen for him, is faced with the task of withholding payments on work orders, then the service station may also delay the repair work and the issuance of the car to the client. But often such insurance companies choose low-quality stations for themselves, which simply have nowhere to go and, in pursuit of volumes, they agree to obviously unfavorable working conditions.
The format of interaction with dealer car services is different. The dealer never works with one insurance company, he has several of them. Insurance companies compete and rarely can agree among themselves in order to speak with a dealer in a dialogue with a united front. That is why it is dealers who most often act on insurers individually and dictate their own rules to them. However, this is true to a greater extent in relation to second-tier companies; this does not work with status insurers. I note that Rosgosstrakh, competing with its colleagues from the auto insurance sector, is on good terms with them. We try to adhere to the established tariffs, enter into a dialogue with dealers to agree on the scope of work on insured events, and, of course, meet the needs of customers who want to have their car repaired at the car dealership where it was purchased.
Rosgosstrakh operates in Russia from 2,000 bus stations, in Moscow - about 50-60 independent service stations and over 200 car services of official dealers.
Rosgosstrakh is open for cooperation, but we must understand that we also have a limit: we cannot take on a large number of service stations as partners. Precisely because we care about the result and provide the station with full support and put the establishment of partnerships with it at the forefront.
We have an institute of curators whose tasks are to accompany the work with the village: maintaining a register of accounts, working with acts of disagreement, with complaints from insurers. Through the curator in the region, feedback is provided, and if an even more serious issue arises, it goes to the level of discussion with the leadership.
