The car is insured under CASCO, it was scratched in the yard: what to do?

Probably, any car enthusiast has encountered such a nuisance as scratches on a vehicle. Those who have concluded a car insurance contract under CASCO do not need to worry about such damage to their car.

After all, even minor damage to the paintwork on a car, regardless of who is to blame for its occurrence, is considered an insured event and the damage is subject to compensation by the insurer. In this article, we will figure out what needs to be done if you yourself are to blame for damage to the vehicle, and it is insured under CASCO.

Features of CASCO insurance

In the Russian Federation today there are two main types of insurance in the field of motor transport - OSAGO and CASCO. The obligation to have valid MTPL insurance when driving a car is enshrined in law. Such a compulsory motor liability insurance policy will help cover expenses in the event that you are at fault in a traffic accident in which people or other people's property were injured.

The second type is insurance on a voluntary basis. All compensation that will be collected will be directed only to your car. The CASCO policy provides protection against all types of damage, as well as theft and complete destruction of the car as a result of a fire or accident.

Over the past 10 years, the number of people wishing to insure their car under CASCO has increased significantly. This is due to the fact that an increasing number of car enthusiasts understand that this is a very effective tool for protecting personal property. Another reason is that banks that approve a loan for the purchase of a car oblige their clients to insure it against all risks, and this implies a CASCO policy.

The cost of a CASCO insurance contract is quite high. But this is the only way for car owners to save their money, nerves and property. Therefore, each vehicle owner must make his own choice - either repair all damage at his own expense, or demand this from the insurance company.

Naturally, without a CASCO agreement, a significant lump sum is required for quick and high-quality restoration repairs. If you can afford unforeseen large expenses, then you really shouldn’t take out CASCO insurance, but if you care about the stability of your financial situation, then you simply need to conclude such an agreement.

If an insured event occurs under the CASCO agreement, the damage can be compensated in the following ways:

for restoration repairs, the vehicle is sent to the workshop of the insurance company or to the auto center with which it has an agreement for the provision of services;
the insurer assesses the amount of damage caused and pays monetary compensation, which the owner disposes of at his own discretion.

Absolutely all vehicles are subject to such insurance: cars, motorcycles, special equipment, trailers and trucks.

For reference, CASCO is a word borrowed from the Italians that means board. This word most accurately describes the essence of such insurance - damage caused only to the vehicle, but not to people or property of third parties, is subject to compensation. The usual spelling of “CASCO” using capital letters is just an analogy with OSAGO, which is really an abbreviation.

MTPL insurance (there is a separate article about it on our website) provides for the maximum possible insurance payments, while the CASCO agreement can specify any amount of compensation for damage. If full cost coverage is specified, you can compensate for absolutely any damage incurred while operating the car.

Briefly about CASCO

Types of CASCO.
CASCO is a voluntary type of vehicle insurance. The CASCO policy contains three types of insurance: against illegal actions of third parties (car theft and damage); road traffic accidents; natural Disasters. Thus, a CASCO policy insures the car against damage and theft.

It is worth dwelling on the definition of an accident under CASCO insurance. For this type of insurance, road traffic accidents are considered more broadly. In addition to car collisions, the following are included: collisions with stationary objects, falling objects, and other damage to the car, even if they occurred accidentally due to the fault of their owner.

A distinctive feature of CASCO insurance is that if you have a policy, the culprit of the accident will receive insurance payments to compensate for the damage to his car. It can be summarized that the policy protects the policyholder’s car from material damage, regardless of who is at fault for the accident.

Types of insurance

The CASCO agreement is an individual agreement, that is, the conditions are negotiated by the insurer with each client separately.

However, several types of such insurance contracts can be distinguished according to the method of payment:

full coverage;
partial coverage;
aggregate coating;
non-aggregate coating.

Each of the listed insurance programs has both pros and cons, which means that when choosing a suitable program, the car enthusiast will rely only on his financial capabilities and the degree of risks that he is willing to bear. So, let's look at each type separately.

Full CASCO. This type of insurance compensates for expenses incurred due to any actions leading to the occurrence of an insured event.

Full CASCO obliges you to make payments if the car is damaged in such situations:

in any vehicle collision;
in case of unlawful actions of other persons;
when destroyed (damaged) by fire;
under the influence of force majeure (weather, volcanic eruption);
during military operations and counter-terrorism operations.

Full CASCO also provides compensation in the event that the car is stolen or completely destroyed under any circumstances. Such a program is undoubtedly very profitable, because its conditions will protect the wallet of the vehicle owner in almost any situation.

But even this type of insurance contract does not guarantee that compensation will be paid in all cases. But this already applies to the actions of the driver. For example, if at the time of the insured event the driver was in a state of alcoholic or other type of intoxication, then the insurer will almost always be able to legally refuse to pay.

Therefore, when signing a contract, it is necessary to read it carefully and, if an insured event occurs, act as the company requires.

Partial CASCO. This car insurance program involves covering only part of the risks. That is, the client of the insurance company chooses from which risks he wants to protect his vehicle. Accordingly, this entails a reduction in the price of the policy. Often, insurers offer ready-made (standard) contracts with a certain set of risks and present them as a separate product with its own name.

Such proposals include:

CASCO Optima insurance;
CASCO insurance against crisis;
"Light CASCO" insurance;
“Economical” insurance, etc.

Often, car owners decide to partially insure their car either against theft or against damage and complete destruction.

Aggregate CASCO. Also, both full and partial programs provided by insurance companies in the field of CASCO car insurance differ in the types of insurance payments. Thus, aggregate CASCO provides for payment of compensation by the insurer for damage caused, in each subsequent case less than the total amount of the contract.

To make it clearer, let's give an example. The vehicle is insured under the contract for 800,000 rubles, that is, the owner will receive a payment in exactly this amount if his car is stolen or it cannot be restored due to the occurrence of an insured event. Let’s say that some time after the conclusion of the contract, damage is discovered, for which the insurer paid 50,000 rubles.

If during the validity period of the same contract the vehicle is damaged in a major accident, then the maximum amount of compensation will not be 800,000 rubles, as indicated in the policy, but only 750,000 rubles, since 50,000 rubles have already been “spent” by the insured. Accordingly, when subsequent cases involving the payment of compensation occur, the maximum amount will decrease.

Thus, aggregate payments are most suitable for an incomplete CASCO insurance program. Most often, the insurer gives the client the right to choose the type of payments, but it also happens differently. Therefore, before signing an agreement and giving the agent money, you need to discuss all aspects of the agreement with him, and also read each of its clauses yourself. If you have any doubts, you should contact another insurer.

Non-aggregate CASCO. This is exactly the type of insurance program that credit institutions often require when approving an application for a car loan. After all, no matter what happens, no matter what damage is caused to the car, the insurer is obliged to pay the full amount of damage caused (within the contract limit).

For example, the insurance amount is 500,000 rubles. The driver receives payments for damage several times in the amount of 100,000, 50,000 and 250,000 rubles, that is, during the validity of the contract, the insurer paid him 400,000 rubles. After this, the insured car is stolen. In this case, the compensation will be 500,000 rubles, that is, it will not depend on previous payments.

In what cases can they refuse compensation?

Even if scratches are included in the list of insurance events under CASCO, you will not be able to receive compensation if:

A violation of traffic rules on your part was detected
The car was driven by a person who was not included in the CASCO policy or did not have a driver’s license
At the time of the incident, the driver was under the influence of alcohol or drugs
You filed an insurance claim incorrectly and did not call the traffic police or the police to register the incident.
The damage occurred as a result of improper operation of the vehicle.
The damage was caused intentionally by the owner of the car.
You attempted to repair your vehicle before receiving your insurance claim.

Insurance cases

In what situations can an incident with an insured car be considered an “insured event”?

Let's take a look and list them:

road accidents, regardless of whether the owner of the car is at fault, whether insured or not;
collision with objects and objects. It doesn’t matter why it happened - due to a car malfunction, road conditions, or animals entering the highway;
if the vehicle was damaged as a result of any objects falling on it. For example, falling branches, poles, snow, etc. This category also includes cases when stones fly out from under the wheels of a car driving in front while driving. However, the contract often includes restrictions on the operation of this rule - do not park the car in places under trees, poles in strong winds, under roofs with heavy snow cover;
when the machine is completely immersed in water. The reason for this can be natural disasters (flooding, heavy rains, high water), and the “human factor” (driving onto ice allowed by the owner of the car, even in the presence of prohibitory signs), and driving into the water due to a malfunction of the car’s mechanisms;
If damage to the vehicle is caused by arson or fire. This category cannot include cases of car ignition due to a malfunction or actions of the owner aimed at transporting fire and explosive objects, unless this was discussed when concluding an agreement with the insurance company. If the car is equipped to transport such substances and this is indicated in the insurance contract, then compensation is possible. Although not every insurer provides such conditions;
if the car is damaged or completely destroyed by unauthorized persons, as well as if it is stolen. For such offenses, the insurer may recover compensation from the perpetrators (if they are identified) by way of recourse.

But the theft of wheels, property that was in the car, registration plates, as well as damage in cases where the car is damaged by third parties, if the owner voluntarily transferred the right to drive, will not be compensated, since they are not insured events.

If your car is scratched in the yard, what should you do?

Generally, adjacent areas are not intended for mass parking of cars. Therefore, there is always a possibility of touching someone else’s car or catching yours when leaving the yard. Such failures can cost serious sums.

The situation is unpleasant, but completely solvable. Under no circumstances should you hide from the scene of a crime. This is fraught with fines, deprivation of a driver’s license, or administrative detention for up to 15 days. What to do about CASCO?

It is necessary to adhere to the following algorithm of actions:

Find the owner of the damaged car. To contact him, you can leave your contacts. If the culprit of the damage is sought with the help of witnesses or video camera recordings, the situation will be interpreted in a different way.
Involve people who witnessed what happened and who can confirm innocence.
If the damage is minor, you should try to solve the problem peacefully.
If an agreement cannot be reached, it is necessary to call representatives of the road inspection and document the incident with the drawing up of a report that will be required to be submitted to the agent for compensation for damage.
Contact the company that issued the policy.

Small scratches in the area of the door handles caused by the elongated nails of female drivers are not subject to compensation!

Road accident workers must be invited in situations where damage was caused during the movement of one of the participants in the incident. They will attest to defects acquired in a collision with immovable obstacles - trees, poles, fences, gates, barriers, etc.

There is an opinion that calling a service representative may result in penalties when the car does not move. But if an insurance situation arises, they do not have the right to hold them liable.

Reimbursement under CASCO will be made only upon provision of the required documentation. It includes:

Insurance agreement and payment receipt;
Identity card of the owner of the car;
Technical documentation for the car;
Protocols and acts from the traffic police.

First steps if you see scratches on your car

If a car owner notices damage to the paintwork on his car, then first of all there is no need to panic. Especially if the car is insured under CASCO.

Repairs to all scratches, dents and other minor damage will be paid for by the insurance company under the CASCO agreement. This will happen even if you inadvertently scratched the door when opening it or parked unsuccessfully.

How to file an insurance case under CASCO?

What to do if the insurance company does not pay for CASCO, read here.

Find out how to file a pre-trial claim with an insurance company under CASCO at the link:

If you find yourself in such a situation, then you need to perform not only the actions provided for by the Traffic Rules, but also those specified in the insurance contract.

So, here are your approximate actions after a traffic accident:

Immediately after a collision, stop and do not move your vehicle again;
be sure to turn on the hazard warning lights;
do not forget to install a warning triangle at a distance of at least 15 meters from the car. This is a mandatory requirement of the rules, because if there is no such sign, then drivers of other cars may not notice you and crash into you. If you do not put up signs and do not turn on the emergency lights, then the traffic police officer who arrives at the scene will definitely draw up a protocol on the violation, and you will be held administratively liable in the form of a fine of 1,000 rubles;
do not change the situation at the scene of the incident. If some parts fall off as a result of a collision (bumper, mirror), then they can be removed only after the accident has been recorded;
if people were injured in the accident, then provide first aid or call an ambulance;
roughly estimate the size of the damage and the approximate amount of damage;
notify your insurance representative about the incident by phone;
call the traffic police inspectors. The legislator establishes that if the accident did not cause serious consequences and the drivers do not have claims against each other, then it is not necessary to call the police; the incident can be registered in a simplified manner using the Europrotocol. However, if you have an agreement with a CASAC insurer, then you will have to call road inspectors. After all, in order to pay the compensation amount, you will have to provide the insurer with documents drawn up by a traffic police inspector;
If you collide with a car in which there was no driver (in a parking lot), then take measures to identify it. Write down his phone number and personal information;
Record the situation at the scene using photos and videos. Pay attention to the relative position of the cars (their registration plates should be visible), the location of road signs, the presence of traffic lights, the condition of the road surface and weather conditions;
Together with the other participants in the incident, draw up a diagram of the accident; if you have no comments on it, then sign it. The second driver must do the same;
Since July 1, 2015, changes have been made to the Traffic Rules, according to which, if the amount of damage received by vehicles does not exceed 50,000 rudder, then immediately after drawing up a diagram and video recording, it is necessary to clear the roadway and not interfere with other road users. If this requirement of the legislator is not fulfilled, then the traffic police officer may hold you accountable for this. The fine for such an offense is 1000 rubles;
Try to identify witnesses and eyewitnesses of the road accident, write down their contact information. Persuade them to wait for the police and give them an explanation of what happened;
When traffic police officers arrive at the scene, wait until they draw up a report. Read it and, if there are no comments to it, sign it; if there are any, then ask for them to be included in the protocol. Within 10 days, receive a resolution from the inspector to refuse to initiate administrative proceedings.

As you can see, no complicated actions are required from you, but if you do everything, this will help you avoid an administrative fine and correctly file a traffic accident, which will subsequently help you obtain insurance.

What to do under CASCO if you damaged your car yourself

When you yourself damage your car, the key to success is to take the right steps to obtain insurance. The first step is to clearly articulate the causes of the damage and describe in detail the events that contributed to the situation.

If possible, then you need:

find photos - and videos - facts of bad weather conditions, poor road surfaces;
take testimony from witnesses, ask them to write explanations on paper.

Important: the wording of the explanation in the application for payment should lead to the fact that you are not the culprit, but the extraordinary and inevitable circumstances in which you found yourself caused the damage to the car.
Do not lie or falsify information. You will have different tasks with the insurer: you will have to prove your innocence, and the company will have to prove your involvement.

But if the insurer proves that the driver’s actions were purposeful or the driver caused the event, then compensation will be denied. It will be difficult to challenge the decision in court. Such a driver will lose the case, and will also have to cover the legal costs.

How to proceed brief instructions

If you damaged your car yourself, you can still get insurance. To do this, we carry out the following actions:

If the vehicle is damaged, we immediately inform the policyholder about the incident. You can report it either in person, by calling a company representative to the location, or by telephone.
We estimate the amount of damage, find out from the insurer’s representatives whether it is possible to file an insured event without involving the traffic police. Many companies allow you not to call the traffic police in case of minor damage.
We submit the vehicle for inspection to the insurer, and we receive a conclusion about the extent of the damage. The CASCO policy may define a list of minor damages in which the car can be sent for repairs without providing it to an expert. The insurer is presented with a certificate of completion of work;
We receive an insurance payment and a referral for repair work to a specific service station.

Pay attention to situations when you need to call the traffic police. In the certificate they indicate the culprit. And it could be the driver. Don't be afraid of this wording. This does not disqualify the insured person from receiving benefits.

Is it necessary to call the traffic police?

If you have a CASCO insurance contract, then even in the event of a minor traffic accident you must call the police. Typically, insurers make payments for damage caused only if a complete package of documents has been collected, which includes a certificate of an accident, a decision on administrative material or a refusal to initiate it.

It must be remembered that before the police arrive, you should not leave or be absent for a long time. When the inspector draws up a report, be polite but persistent. You should not sign anything without reading it first.

Why is it so important to wait for the police? If you leave before the traffic police inspector draws up all the necessary documents, then he will rely on the testimony of the second participant, and details that are important from your point of view will not be taken into account. This may work against you in the future.

Another important thing is to make sure that the inspector describes in detail all the damage. If any scratch turns out to be unfixed, then you will not be able to get money from the insurer to fix it. Often, car owners think that it is necessary to involve police officers in an inspection only when two or more cars collide. This is fundamentally wrong.

Even if there is a collision with any object (pole, billboard, fence), then it is impossible to do without recording the damage by traffic police officers. Such incidents are the most common and if they are indicated in the CASCO agreement as insured events, then you will receive compensation.

In such situations, drivers do not want to call traffic police inspectors also because they are afraid of being held administratively liable for such a collision or for a false call. In reality, such a situation is an accident and the police are obliged to come.

If damage is found immediately

When scratches and dents are found on a vehicle, the owner needs to evaluate the case. Malfunctions can be of various types, and by carefully studying them, you can almost always determine how the machine was damaged.

Let’s say that if a vehicle hits another car, it will leave bruises or characteristic marks. Human damage also leaves noticeable dents. Depending on the situation, you need to act differently.

It is worth remembering that the owner who plans to receive compensation under the policy cannot independently repair the damaged vehicle. For example, rubbing over scratches or something else. Found items that presumably served as instruments of damage should not be moved or picked up. It is necessary to leave them in that state until officials from the relevant service arrive so that they can enter all the research into the documents.

In addition, you should make sure that the car is parked in the right place. If it was left in the wrong position, then its owner may face an administrative fine. When such a situation does arise, you should not change the parking location, since it is possible that this fact will be revealed by the police and representatives of the Investigative Committee and problems may arise with them.

Having discovered damage, you need to call your insurer and get recommendations on what to do next, as well as find out information about your insurance conditions, what documentation you need to submit to compensate for the damage. Most programs do not require the preparation of additional certificates to confirm an insured event. When a company employee is convinced that such a situation has occurred, he will need to submit a statement to his insurance agent describing the circumstances of the case.

Next, you will need to assess the damage received by a specialist represented by the insurer, and in the absence of conflict issues, the policyholder will receive a referral for repair operations or compensation within a period of time specified by the agreement.

In a situation where the agreement of the parties provides for the mandatory submission of certificates received from officials, the following will be required:

Invite a traffic inspector.
Draw up a protocol and act at the scene of the incident.
Visit the police and fill out the necessary papers.
Submit a statement to the agent about the occurrence of the event provided for in the contract.
Provide the required documentation within the period specified in the contract.
Conduct an expert assessment of the damage.
Receive compensation for damage received.

Package of documents for applying for insurance payment

What package of documents must be attached to the application for compensation under the CASCO agreement? The list of all these documents is regulated in the contract. Here is an approximate list of documents required to receive payments, which may vary depending on the requirements of the insurance company itself.

You can find out which documents you need to provide specifically from your insurance agent or by reading the appendix to the contract:

proving the fact of an accident. These are documents that indicate the circumstances given by other participants. For example, a copy of a protocol on an administrative offense, a decision on this protocol (resolution), a certificate of an accident, a resolution to refuse to initiate a criminal case (WUD) or to initiate one. In a situation where a criminal case is initiated, the insurance company may delay the payment of insurance compensation until a decision is made on it. Such decisions may be orders of suspension, termination or a court decision;
proving the illegality of the actions of third parties. This may be either a decision on a legal settlement based on damage or destruction of property, or a decision on refusal to initiate it. A copy of the inspection report of the scene of the incident and other documents confirming the guilt of other persons;
proving the fact of fire or explosion. Conclusion of a fire-technical examination, a decision on a fire-fighting permit or refusal to do so;
proving the fact of a weather emergency. A notification coupon indicating that you have contacted the Ministry of Internal Affairs to record damage, a certificate from the hydrometeorological center of your region, which indicates that at a particular time there were unfavorable (extraordinary) weather conditions;
proving the fact of falling objects. Protocol of the inspection of the scene of the incident from the police officers and the decision on your application (refusal to the VUD);
proving the fact of damage by animals. This may be a copy of the application to the Ministry of Internal Affairs, a resolution to refuse to initiate a criminal case, as well as a protocol for examining the scene of the incident indicating all the damage;
documents for a damaged or destroyed car: registration certificate, PTS, etc.;
payment documents (checks, invoices, etc.) confirming the cost of repairs or other costs for restoring the car;
copies of documents provided by an independent expert stating that he has the right to conduct such research;
an agreement on an independent assessment examination and the expert’s conclusion itself, certified accordingly;
certificate of completion of restoration repairs with a note on receipt of the car by the owner;
documents confirming payment for the services of an independent expert (original or certified copies);
other documents required by the insurance company;
Bank details for transferring compensation for material damage caused.

Before submitting an application, you must clarify the list of required documents at the office of the insurance company or on its official website.

OSAGO, if your car is scratched in the parking lot

If the car was scratched while one of the vehicles was moving, then we can say that a minor accident occurred. In this case, the MTPL policy guarantees that all costs of repairing the damaged vehicle will be reimbursed. To receive such compensation, you must do the following:

fill out a notification of an accident in the form of a European protocol yourself or call traffic police officers to the scene of the accident;
document the incident;
notify the insurance company about the incident.

Attention:
If you fill out a European protocol, you must notify the insurance company within 5 days. If drivers called traffic police officers to the scene of an accident in a parking lot, then the victim has 3 years to appeal to the insurer for damages.

At the time of contacting the insurer, the victim must write a statement for direct compensation for losses. It will also be necessary to provide the car in the near future for an independent assessment of its technical condition.

If a car is scratched in the yard, for which there is compulsory motor liability insurance, but CASCO is not issued, it will be more difficult to obtain compensation. OSAGO does not provide for the possibility of repairing your car, but only compensation for damage to the second participant in the accident. If the scratch was caused by the vehicle, it is necessary to detain the driver or record the license plate number of his vehicle.

The car was scratched in the yard of OSAGO

By calling the traffic police and describing what happened, you can be sure that the culprit will compensate for the damage under his OSAGO policy. If the culprit is not found, it will be impossible to obtain compensation. If the car received a scratch not from a vehicle, there will be no compensation, because OSAGO does not provide for this.

The procedure for contacting the insurance company if you scratched the car yourself

When all the documents that, in accordance with the CASCO agreement, must be provided to obtain insurance, the motorist must go to the insurance company and fill out a corresponding application there. At the same time, the insurer will set a date, time and place where an assessment of the damage will be carried out by a company representative. You should not ignore or be late for this event - without it you will not be able to get insurance.

If the insurer, after examining the damage, has calculated the amount of compensation that you consider to be underestimated, then you must resort to the services of an independent expert to assess the amount of damage. However, in this case you will have to pay for his services out of your own pocket.

Later, you will be able to recover these costs from the insurance company if it is determined that the payment assigned to it is actually less than the amount of actual damage caused. With the expert's opinion, you must contact the insurer again. If the requirement for payments in accordance with the results of an independent study is not met, then you need to contact the judicial authorities.

Based on your application for revision of the insurance amount, a re-examination will be scheduled and an assessment report will be drawn up. If you agree with the amount indicated in it, then sign it. If the amount is again significantly less, then the dispute will be resolved in court. Although this procedure is much longer, it will be possible to recover both legal costs and penalties from the insurance company.

If you are satisfied with the amount of compensation, then after signing the appraisal report you will receive money or a referral to a service center where your car will be repaired. That is, there is a certain procedure for submitting documents and applications to recover compensation from the insurer. It is quite simple and understandable to every car enthusiast.

A car was scratched with a nail in the yard: an insured event under CASCO

The driver has the right to contact the insurance company, since damage that was received in the yard is classified as damage to the vehicle. But the amount or availability of compensation will depend on the details of the offense as well as the type of policy.

Let's consider what to do in 2021 if you scratched your car in the parking lot and drove away, but the car is insured under CASCO? You cannot repair the damage yourself. For example, polishing marks.

If any items related to the incident were found, they must not be moved, touched, or destroyed. Leave them where you saw them.

We repeat: do not re-park, do not try to catch up with the offender, as this can be very dangerous.

Most CASCO programs do not require any certificates to confirm what happened. If your insurance provides for payments in such an event without a certificate, contact the insurance company, submit an application to the insurance company, describe all the circumstances of the incident.

If a certificate is required, call the local police officer, he will draw up a report on the damage caused. Please contact the insurance company with certificates and other documents and write a claim for compensation. The location of the insured event and the damage must be recorded on a photo or video camera.

The driver who hit the vehicle must have compulsory motor insurance. The insurance company must pay compensation to the victim. And compensation for CASCO depends on the terms of the insurance contract.

If the scratch is not discovered immediately, such a case may not result in an insurance payment. Traffic rules: every motorist must inspect his vehicle before driving.

If you drive away from the scene of the accident, the police will probably refuse to open a case. If a certificate is not required, there should be no problems. It is necessary to contact the insurer and notify him of the incident.

We invite you to read: Dacha amnesty extended until March 1, 2019 for dacha plots, law, Rosreestr, latest news and validity until 2021

Also, the traffic police must file a case if the driver did not immediately notice the damage, but the car was standing still. If the car has moved, employees will immediately see this and may impose a fine.

If the car is damaged by a child under 14 years of age, the parents bear full responsibility. It’s better to call an inspector, get a certificate (if necessary), and contact the insurance company.

If there is only OSAGO, you should not rely on it. The policy covers expenses only for the second participant in the accident, whose car was damaged.

If the culprit remains waiting for you, you must:

call the traffic police (you can also solve the problem with a minor accident yourself);
record the culprit's car so that the license plates are visible;
write down the contact and personal information of the culprit;
find out if his car is insured under MTPL.

If the culprit leaves the scene of the accident and there are no witnesses, you must call the traffic police immediately.

A driver who leaves the scene of an accident may have his license taken away for a year or a year and a half, and arrested for 15 days.

You should not leave the scene of the accident even when another car overtook you, showered you with rubble, or damaged the body of the car.

You need to wait for the traffic police officers at all costs. You can repark the car if you have photographed the collision site and drawn a diagram. Both the culprit and the victim can be punished.

If you urgently need to leave, leave a note on the car and press it with the wiper. In the note, apologize and leave your contact information.

But the note can do harm. The owner of the accident can find you using the specified data and hide the note. Then you will be recognized as the culprit who fled the scene of the accident.

Need to go back. Especially when little time has passed since the accident. Perhaps the traffic police inspectors did not have time to arrive at the scene of the incident. If you manage to get ahead of them, you will be present at the registration, you will not be recognized as absconding.

Otherwise, you can go to court. If you are late, turning yourself in is a mitigating circumstance in court.

If at this time the owner and law enforcement officers are already standing near the car, you need to act according to the situation. If you have a signature in the protocol, you will not be recognized as absconding.

If the registration has begun, you need to refer to an urgent matter, because of which you had to leave, to take part in the registration.

Recommendations

The following tips will help you avoid problems:

do not leave the scene of an accident prematurely, even if the damage, in your opinion, is insignificant;
call the traffic police if you touch another car;
come back as soon as possible if you left;
try to reach an agreement with the victim.

If the interaction of the cars occurred while they were standing (they hit the car when opening the door), this is not an accident; it does not require registration by the traffic police, but under compulsory motor liability insurance it is recognized as an insured event.

An accident is also not recognized if no damage was caused.

You will be interested in:

Serious damage, the repair of which the culprit is not going to compensate, is a reason to contact the insurance company. In this case, it is necessary to register the accident and, within a certain time established by the contract, contact the insurance company.

The MTPL policy guarantees compensation for the costs of repairing the car of a participant in the conflict (victim). To receive compensation you must:

Obtain from the person responsible for the scratch on the car the necessary information about the series and number of his MTPL policy and the insurance organization.
Fill out an accident report.
File an accident in accordance with the requirements of the Russian Federation Traffic Regulations.
Report the incident to the insurance company.

If documentation of an accident is completed without traffic police officers, then the notification form is filled out in 2 copies and sent by the drivers of the vehicles involved in the accident to insurance organizations within 5 days. The victim also attaches to the documents a statement of direct compensation for damages. In addition, at the request of the insurance organization, you will need to provide your cars within 5 days for an independent technical examination.

To obtain compensation for damage under CASCO, you must first make sure that the case of a car being scratched in the parking lot is covered by insurance (they are specified in the contract). There are 3 possible options:

Registration of a CASCO insurance case without calling the traffic police.

This can be done if it is difficult to formally qualify the case as an accident: there are minor scratches on the car. The contract may include certain types of damage, for which insurance coverage does not require a certificate from the traffic police, as well as the number of payments under such conditions. To receive compensation, contact only the insurance company.

Registration of CASCO insurance for an accident.

If the incident occurred as a result of an accident, you first need to contact the traffic police. After inspecting the scene of the incident and filling out the necessary documentation, they confirm the occurrence of the insured event and issue the necessary certificates, including information about the incident and its participants.

Next, submit an application to the insurance company, attaching to it the received documents confirming the fact of the accident, passport, license and documents for the car, within the time period specified in the contract. Having assessed the damage, the insurance company makes a payment in accordance with the terms of the contract.

Taking out insurance with the involvement of the police.

Scratches on the car were caused by an intruder - you need to call the police. On the same day you must contact the CASCO insurance company. Employees identify the case as an administrative violation. It is important that the protocol contains a detailed description of the damage caused, and also indicates that the damage was caused by a third party.

Deadline for applying for compensation

If only your car was involved in a traffic accident, then in accordance with the provisions of the Law, you must submit an application within five days. This period may be increased by the insurer to 30 days, but only in the presence of special circumstances. After the expiration of this period, the insured event will be considered overdue and compensation will not be received.

It happens that insurance companies require that you contact the insurance company immediately after an accident. This can be disputed, but if you do not want to argue in this case, you can simply call the agent at the scene of the accident.

And after completing all the documents, the traffic police officers go to the insurer’s office and write a statement indicating that all the required documents will be provided later. After all, the most important thing in any situation is to write a statement about the occurrence of an insured event. All required documents can be provided within 30 days.

Sometimes it happens that the documents provided by the policyholder contain errors or inaccuracies made both through his fault and through the fault of third parties. In this case, the insurance company also sets a period of 30 days from the date of notification to the applicant of errors to correct or replace the documents. If notification of inadequate quality of papers was sent by post, then the period is counted from the date indicated on the envelope.

You scratched your car in the parking lot and saw it too late, what should you do?

If damage to the car caused in the parking lot is not immediately discovered, you can count on compensation for an accident if:

The car was scratched, but the car remained in the parking lot. The fact is that, according to traffic regulations, the driver is obliged to inspect the vehicle before getting behind the wheel. Therefore, traffic police officers may refuse to file a case if the car was already driving after scratches appeared.
A certificate from the traffic police is not required to obtain insurance. In this case, you need to contact the insurance company and report the damage.

What to do if your insurance claim is denied

In some cases, the insurance company refuses compensation to the owner of a damaged car due to the fact that it does not recognize the incident as an insured event. To protect your rights, you need to contact the central office and file a pre-trial claim addressed to the director of the organization, requesting a more thorough consideration of your case. In the same document it is necessary to briefly but in detail indicate all the circumstances of what happened from the accident to the moment of refusal of compensation.

Try to write the claim in a friendly tone: indicate that you consider what happened not to be the fault of the entire company, but of an individual specialist, that you are asking to look into it and that you also plan to use the services of this particular insurer in the future. Take the claim in person to the office, and ask the person receiving it to stamp the date of receipt and sign your copy.

Sample pre-trial claim for collection of insurance payments under CASCO.

If the insurer has not responded to your claim or has responded formally, then you should contact a competent lawyer specializing in auto insurance disputes. He will help you draw up a statement of claim, collect the necessary documents, and can also represent your interests in court. The cost of his services will be reimbursed to you if the court accepts your side and satisfies the claim.

Sample statement of claim for recovery of insurance payments under CASCO.

Payment of insurance compensation under CASCO

Since the density of “population” of cars is growing more and more, cases arise when one car hits another, as a result of which, at a minimum, scratches appear. This is, perhaps, better than if the car was accidentally scratched, to the detriment of it; there are quite a lot of well-wishers now. What should a car owner do if he saw that his car was scratched, but the culprit simply fled the scene?

They scratched the car and fled

The situation is not the most pleasant, but there is no need to get lost, you need to act. First of all, you need to record all the damage. You can take photos and shoot a video where you can clearly see what damage was done to the car. The car owner must assess the situation and understand whether the car was actually damaged intentionally. It is possible that a scratch was made, or glass was broken for the purpose of theft, for example, a headlight was removed. Or the car was simply parked and was hit by another car, then the incident must be registered with a traffic police inspector.

If you don’t know who the culprit is, they will draw up a protocol without the second participant. After this, the case will be transferred to the search department, where they will search for the “pest.” But there must be witnesses to the incident or the incident must have been recorded by cameras. If you understand that the car was damaged by thieves and at the same time they beat it, broke the windows, severely scratched it with nails, then you urgently need to call any police officer by dialing 02, or call the local police officer. A protocol will be drawn up: the police officer will take one copy with him, the second copy will be given to the driver. In this case, you will need a statement indicating theft and hooliganism. If there is at least some clue or there are witnesses, then they will look for the attacker. If your car is parked in the wrong place, then there is no need to repark it. Otherwise, you may be made to blame for a situation where your car is damaged.

Have you noticed any damage? It is necessary to examine the location of the damage and examine its size. Sometimes you can find traces of paint from another car, and this can help in finding the culprit. What can the driver do to try to find the culprit?

You need to carefully walk around the parking lot and look around, maybe you will see a car with a DVR running.
If this worked, then you need to find the owner of the car to use the records.
You can also see if there are cameras on nearby buildings or in the parking lot itself.
Modern houses are now equipped with cameras, so they can also help in finding the culprit.

After the traffic police officers have arrived and drawn up a report, you can try contacting service centers. There you can find out the following: maybe someone came with a request to paint a car or paint over scratches. Sometimes even such cases help to find the culprit.

Having a CASCO policy in hand, you can receive compensation . However, this insurer usually does not require additional certificates confirming the fact of harm. If your type of insurance allows you to make payments without certificates, then just contact the insurance company and submit an application, describing the circumstances. But if you still need a certificate, then the inspector who recorded the incident must provide it to you.

The owner scratched the car himself

Very often the question arises, how to use CASCO insurance if you yourself scratched the car? What if you also damaged someone else’s car? In such cases, many simply want to escape the scene of the crime. But if you do this, it promises even greater trouble if the owner of the other car finds out that it was you who did it. At a minimum, you will have to pay a fine of 1,000 rubles . It’s completely unpleasant if you are deprived of your driver’s license for a period of one to 1.5 years . Administrative arrest for a period of 15 days is an extreme measure and quite rare in such a situation.

If you are the owner of a CASCO policy, then you must strictly act according to the instructions.

We need to find the owner of the second vehicle. As a last resort, you can leave a note with your contacts.
If you caused very little damage, then maybe you can resolve everything peacefully. Otherwise, you will have to call a traffic police inspector, who will issue a document stating that an incident occurred.

Most often the car's bumper suffers. If you scratched your bumper on a curb, what should you do? Is it possible to receive payments under CASCO? If the cause was damage received while parking, then you can count on payments. You can receive CASCO payments if you scratched your car or damaged a curb if these clauses are specified in the contract. Typically, insurers do not require any other documents if the policy is in the premium category. If the insurance option was economical, then, most likely, documented damage will be required from the traffic police service.

What to do if your car is scratched by a child

In accordance with current legislation, if a child is under 14 years old, he cannot be held liable and cannot compensate for the damage caused. The obligation to pay in full for the damage caused falls on his parents or legal representatives.

If the car was damaged by a child, then there are two options to recover money. You can come to an agreement with your parents on the spot, but you won’t be able to count on payments from the insurance company.

The preferable second option is to contact the internal affairs authorities, whose employees will record the incident and prepare the necessary documents. They must submit their application to the insurance company and receive compensation. If a CASCO agreement is concluded, then no problems with collection can arise.

Lawyer's recommendations

Lawyers recommend following some rules to avoid problems:

no need to leave the scene of the crime, even if the damage caused is minor;
call inspectors whenever you touch another car;
if you do leave, you need to return as quickly as possible;
You can try to come to an agreement with the injured party if you were the culprit of the accident, and CASCO can help if you yourself damaged the car.

Please note that if the car was standing still at the time of the incident (for example, they opened the door and damaged another car), then you need to call the traffic police inspectors. This case is not regarded as an accident.

What if the culprit is known?

In a situation where the driver of another car is at fault, registration is carried out as an accident .

It is necessary to call the traffic police officers, who will draw up a report indicating the detected damage to the car.

Payment of compensation can be made in one of the following ways :

the insurance company of the person responsible for the accident pays the victim,

or the insurance company itself makes a payment to the victim, and then withholds funds from the insurance company of the person responsible for the accident.

In a situation where the culprit is a passerby who was not driving the vehicle, then this incident is registered as an offense .

Police officers arriving at the scene of the call draw up a report on the administrative offense, in which it will be necessary to indicate all the damage. Next, an application with this protocol attached is sent to the insurer.