“Minus the traffic police certificate” or all about payments without certificates under the CASCO agreement

One of the documents required when receiving insurance payments is a certificate from the traffic police. But, for various reasons, it may not be issued: for example, a State Traffic Inspectorate employee hurried to an urgent call, or the motorist himself did not want to waste his time after a minor accident. In any case, the car owner is faced with the question of whether it is possible to receive CASCO payments without a certificate.

Why do you need a traffic police certificate?

A certificate from the traffic police in form F-154 is needed so that the insurance company can begin considering the driver’s application for CASCO. This paper indicates basic information about the accident: circumstances of the incident, participants, etc.

Attention! If you have any questions, you can chat for free with a lawyer at the bottom of the screen or call Moscow; Saint Petersburg; Free call for all of Russia.

The certificate is issued directly at the scene of the accident by a traffic police officer (his data is also recorded). He must issue it without fail (there are exceptions, but more on that later). Subsequently, the paper is transferred by the participant in the accident to the insurance company along with the main package of documents.

After receiving the certificate, the driver must make sure that it contains only reliable information about the accident. Even if there are only slight distortions, it is advisable to clarify them with a traffic police representative.

Sequencing

Recording an insured event. This must be done immediately as soon as the vehicle owner discovers damage to the car. What need to do:

• Take photos and videos of the car and the place where it is parked. If you can see what and how it could have been damaged, it’s worth taking additional pictures (for example, photographing a block of ice).
• Contact (call) the insurance company and report the situation.

Then you need to collect documents. What you need to provide to the insurance company:

• passport of a citizen of the Russian Federation;
• a valid CASCO policy;
• application for payment of compensation;
• a copy of the vehicle registration certificate;
• photographs, videos from the scene of the incident;
• originals of all listed documents.

To apply for compensation for damage, you only need to provide copies of documents to the insurance company. But when applying, you must also have the originals so that the insurer’s employees can compare them with copies.

The third step is to inspect the car. It must be done by a representative of the insurance company. After the inspection, the motorist must receive a document from a company employee that will confirm the amount of damage.

Registration of a certificate for CASCO insurance

So, the form indicates key information about the accident, the details of those involved, the damage caused, as well as the title, name and telephone number of the inspector. He will have to put his signature.

A traffic police representative can refuse to issue a certificate from the traffic police for CASCO insurance only in three cases.

• The vehicle had to be evacuated as soon as possible.
• The traffic police officer had to go to the scene of another incident and did not have time to complete the filling.
• The vehicle was needed to provide assistance to the victims.

In all of the above situations, the paper must be issued within 24 hours of the accident. Therefore, it is necessary to clarify in advance which branch the issue will be carried out.

If the inspector evades, refers to the lack of forms, etc. - his actions are illegal. In this case, you can file a complaint with his superiors.

“Minus the traffic police certificate” or all about payments without certificates under the CASCO agreement

In real practice, there is a problem of determining the limit of insignificance of damage . It is almost impossible for an insured who is not a damage assessment specialist to determine the amount of damage more or less accurately at the scene of an accident. And if the amount of damage is close to the established limit, then a “by-eye” assessment and a decision not to submit an application to the traffic police can lead to problems with insurance payments. Indeed, in the event of even a slight excess of the actual damage over the established limit value, insurance companies will act differently. Some will pay compensation within the established percentages or amounts, and not a ruble more, others will demand to provide a certificate, and if there is no certificate, they will not pay anything at all. Thus, the advantages of not receiving a certificate from the traffic police may turn into disadvantages .

It should also be remembered that payment of compensation without certificates under the CASCO agreement is made by insurance companies if the incident did not involve other participants who may be found guilty of causing damage. If there were any, then the company has the right to demand the provision of relevant certificates in order to subsequently be able to recover damages from the guilty party. Therefore, even in case of minor damage, when the person responsible is known and did not hide from the scene of the incident, this must be reported to the traffic police and obtained the appropriate certificate . Failure to follow this recommendation will almost always result in the insurance company denying compensation.

It is also necessary to keep in mind that the concept of “certificate from the competent authorities” is a general term that actually has different real content in the insurance rules. In different cases, this may be a certificate from the traffic police, police department, firefighters, meteorologists. This is extremely important because in some cases, when a traffic police certificate is not required, the policyholder is completely surprised by the insurance company’s requirement to provide him with a certificate of the event, for example, from the police department. This applies in particular to cases of damage to the car as a result of illegal actions of third parties (without the participation of other vehicles). If the damage is insignificant, the car owner may decide that a traffic police certificate is not needed and not apply to any other authorities. But the traffic police has nothing to do with this event, but it is necessary to report it to the local police department, otherwise the insurance company will have every right to refuse payment, unless such a case is provided for during the calculation and conclusion of the contract.

Some insurance companies offer VIP CASCO insurance , which provide for the absence of any requirements for the provision of documents from the competent authorities by the policyholder, regardless of the amount of damage. The insurer takes on these concerns. But:

• firstly, this significantly increases the cost of the policy (you can estimate the tariff for insurance with different payment terms using the universal CASCO calculator);
• secondly, the policyholder is obliged in any case to immediately call a representative of the insurance company to the scene of the accident;
• thirdly, there are always cases when the personal presence of the policyholder when drawing up any documents and carrying out any actions is mandatory and provided for by law.

As a result, we can propose the following algorithm of actions even under the most favorable insurance conditions regarding the provision of certificates from competent authorities: if you have the strength, time and opportunity to obtain a certificate officially confirming the circumstances of the event, try to get it . This way you will insure yourself against possible unpleasant surprises when dealing with the insurance company.

Payments under CASCO without a certificate from the traffic police

If for any reason it was not possible to obtain a certificate from the traffic police, you must proceed as follows.

1. The first thing you need to do is check your CASCO insurance contract. Quite often, it indicates possible situations when paper from the traffic police is not required to receive compensation.
2. Next, you need to make sure that the consequences of the accident actually fall under the terms of the contract. If this is the case, then you can move on to the next point.
3. It is necessary to contact the Insurance Company office with a package of necessary documents and clarify whether receiving compensation is really possible.
4. The company will conduct an examination, and its representatives will be able to say with certainty whether payments will be made.

If the certificate was simply lost by the driver, then you can take a photocopy of it from the traffic police department. The document is drawn up in two copies, so there should be no problems with this. For issuance, you need to take your passport with you. The validity period of a certificate from the traffic police for payments under CASCO is not limited, so there is no need to worry about it.

As already mentioned, sometimes an agreement with an insurer allows for the provision of payments without a certificate from the traffic police. However, this possibility is often limited by the maximum amount of damage. A list of specific injuries may also be highlighted. Most often it includes:

• Damage to glass elements (a sunroof usually does not apply here).
• Damage to only one body element or two adjacent parts (the bumper may not be included here).
• Damage to paintwork.

Sometimes insurance companies indicate an additional condition that compensation without a CASCO certificate can be paid only once in a certain period of time (most often once a year). This also needs to be taken into account.

Compensation for damages under CASCO without an accident cannot be achieved if the case is uninsured

Imagine this situation: a car parked on the street is picked up by a tow truck. However, the equipment of the special transport malfunctions, and the fined car overturns without ever getting onto the platform. Even if the vehicle receives minor damage, the car owner will be annoyed.

Moreover, it doesn’t matter whether the car has a CASCO policy or not. What is more important is what conditions were stipulated in the car title agreement. Therefore, in this case, you don’t have to think about compensation for damage without an accident - the insurer will not pay if the agreement did not indicate damage to the vehicle at the time of evacuation.

Dear OSAGO? Restore KBM now

and stop overpaying insurers!

The service will send an application to RSA. Recovery time for KBM: from 12 hours. Find out more

However, this does not mean that no one will be held responsible for damage to the car. The driver must record the fact of the damage, contact an expert company to determine the amount of damage in monetary form, and then file a claim for damages against the tow truck or the company that owns the tow truck.

Car repair

In any case, you need to check all the conditions directly in the contract with the insurance company that issued CASCO. Basic information will be provided here. It is also necessary to check the document in order to ensure its legality in case of refusal by the insurer.

So, the driver must find out exactly what damage can be covered by insurance without a certificate from the traffic police. Typically, insurance companies give a positive answer if the amount of compensation does not exceed 3-5% of the total insurance amount. Sometimes the amount itself may be limited (for example, 15,000 rubles).

The agreement may have additional conditions. Insurance companies refuse compensation under CASCO when two cars were involved in an accident, and the driver of his own free will refused to call the traffic police.

What situations are covered by insured events without an accident?

Damage to a car that occurs without being involved in an accident can be considered as an insured event under CASCO insurance. However, it is important to remember that the exact list is contained in the insurance. If this situation is not mentioned there, then the car owner will not be able to claim compensation. Below we consider the most common options for how to apply for CASCO insurance without an accident.

Car theft

You need to consider the difference between theft and theft of a car. In both cases the car disappears. In the first case, we are talking about the desire to drive this car, in the second - about the desire to resell or disassemble into parts for the same purpose.

Theft and theft are different insurance events. It is important that what happened is included in the list specified in the contract. When drawing up a contract, it is advisable to find out whether both of these options are taken into account in the list of insured events.

If a car is stolen, call the police. A statement is being written to initiate a criminal case. You need to call your insurance agent right away. It is important to find and interview witnesses. If there is such an opportunity, then we need to find those who can testify.

Damage from falling objects

An example of such a situation could be a falling tree branch or icicle. As a result, the machine may suffer significant damage. If this happens, you need to accurately record the place where it happened and take pictures without touching anything. Next, you need to call the police, who will help find out why this happened and who should be responsible for the falling object. You must notify the insurance company immediately after the incident.

Damage by intruders

It is almost impossible to ensure the complete safety of a car that is not guarded. If there is damage, you can count on receiving compensation under CASCO. The vehicle may be scratched or damaged due to arson or theft of parts or devices.

If damage is detected, it is necessary to conduct an inspection and record the incident using photos or videos. You need to call the police. We need to try to find witnesses to what happened and get their contact information.

After the police have completed their work, you must inform the insurance company about what happened. You cannot carry out repairs yourself before the car is inspected by a representative of the insurance company. He must check for damage.

Appealing an insurance company's CASCO refusal

The insurance company may well refuse to make payments to the driver under CASCO insurance without a certificate from the traffic police. If the motorist has carefully studied the terms of the contract and believes that the refusal is unlawful, it is necessary to contact higher authorities.

First, you need to contact the RSA and/or the Central Bank (you will need to prepare the same documents as for receiving insurance payments). These organizations closely monitor the activities of insurance companies. If violations are discovered in the activities of the insurer, its license may be revoked. Therefore, if the company is obliged to carry out repairs, the problem will be solved as soon as possible.

If the appeals did not help, and the driver still believes that he is right, it’s time to appeal the decision through the court (although, usually, the matter does not reach this authority). In this case, you need to prepare a written refusal from the insurance company to pay under CASCO, a description of the accident with the signatures of the participants, documents for the car, insurance policy and passport. If the court determines that the motorist is right, the insurer will have to pay for the repairs and also pay a penalty.

In what case may an insured event not be recognized under CASCO?

Although in many situations insurance agents try to illegally refuse payment, there are situations where they have every right to do so. To avoid unpleasant situations when receiving payment, read the contract carefully and do not violate its provisions.

Therefore, it is important to analyze the main list of violations in which the insurance company may refuse to pay insurance compensation.

1. The driver driving the vehicle violated the following points: - was under the influence of alcohol (this includes not only alcohol, but also drug intoxication); — was not included in the insurance policy; - he did not have a driver's license; - did not fit into the category of managers; — took a medicine that should not be taken before driving.
2. Violation of traffic rules: the driver did not apply the handbrake before leaving the car.
3. The improper use of fire caused the car to catch fire and it caught fire.
4. The car was not moving on the roadway, but, for example, near a lake or even on ice.
5. There were violations in the maintenance of the vehicle: for example, changes were made to the operation of the following critical components: - engine; - brake system; - steering; - fuel system.
6. Fraud was committed and damage was intentionally caused in order to obtain payment.

Possible nuances

There are some seemingly insignificant details that few people pay attention to. However, it is precisely because of such nuances that a motorist may be left without insurance payments. Here are the main pitfalls of receiving CASCO payments:

• If two cars were involved in an accident, you will definitely have to obtain a certificate from the traffic police. Such an accident is processed in the standard manner, so you have to call the traffic police and collect a full package of documents. Compensation for damage falls on the culprit's insurance company. If the culprit has CASCO insurance, then the damage to his car can also be compensated (except for cases provided for by the contract).
• A similar situation arises if the damage was caused by third parties, and the owner of the vehicle did not want to call the police.
• Perhaps the contract contains a restriction on the maximum amount of compensation under CASCO without a certificate from the traffic police. Typically, it is 3-5% of the cost of the car. That is, if it is estimated, for example, at 400,000 rubles, then the driver will be able to receive no more than 12,000-20,000 rubles.
• Damage to some elements may not be included in the contract by insurers. This should also be remembered.
• Sometimes, after an accident, it can be difficult for a driver to accurately assess the extent of the damage. However, if the amount exceeds the established limit, compensation will be denied. If you have any doubts, it is advisable to obtain a certificate.
• Often, insurance companies limit the maximum number of cases when compensation can be issued without a certificate from the traffic police during the period of validity of the contract. This point should also be taken seriously.
• There are a number of situations when receiving CASCO payments is generally impossible. For example, repairs will have to be carried out at your own expense if the accident occurred outside the insurance coverage region, the driver was not included in the policy or was intoxicated, traffic rules were seriously violated, the damage was caused intentionally, etc.

The motorist needs to know the terms and conditions of the insurance in detail when taking out the insurance. You also need to re-read the contract immediately after an accident to make sure that the case falls under its scope.

Insurance companies with CASCO registration without certificates

In order to better navigate the terms of contracts with various insurance companies, below is a comparative table of the work of the main companies.

There is one general rule for all insurance companies: the car must not be involved in an accident with other vehicles. If another vehicle is also damaged, calling the traffic police, obtaining a certificate and collecting the necessary documents is mandatory. Regardless of the amount of damage, compensation will not be made without a certificate.

So, if the question arises about whether it is worth paying extra for the opportunity to receive insurance payments without a certificate from the traffic police, then the answer will definitely be positive (if, of course, the budget allows). However, you should always remember that the amount of damage allowed is limited. The insurance company may also include additional conditions in the option at its discretion. Therefore, it is imperative that you carefully study the contract. By showing excessive arrogance, the driver may end up without compensation at all.

Which companies compensate for damage without certificates?

Here is a list of insurance companies that are guaranteed to issue policies with the possibility of receiving compensation without collecting certificates:

1. allows two claims for body damage and makes an unlimited number of payments for the repair of glass components of the car, except for the glass roof or sunroof.
2. INGOSSTRAKH does not provide for restrictions on the number of claims for the breakdown of any glass auto parts, and as for the body, payments are made only if scratches are received on the paintwork of one part.
3. VSK provides funds for the repair of any glass elements. No more than 5% of the total insurance amount is allocated for body restoration.
4. MSK has established a limit on the repair of body components in the amount of 30 thousand rubles or 5% of the price of the car.
5. AlfaStrakhovanie transfers funds to the CASCO policy owner for the restoration of glass and body components up to twice a year.
6. RESO-Garantiya always pays compensation for the repair of glass elements, and once for the restoration of body parts, if the required amount does not exceed 25,000 rubles.

The rule applies to everyone - if the car did not take part in an accident with other vehicles.

Some insurers offer their clients favorable conditions for VIP insurance. In this case, any requirements for the provision of certificates and other documents from authorized bodies on the part of the policyholder are excluded. The amount of damage can be any. Of course, the price of the policy will be significantly higher. But there is an important condition - the presence of a company representative at the scene of the incident. You will need to call an agent urgently.

The ability to do without issuing certificates from authorized bodies simplifies the process of obtaining insurance for CASCO policy owners. You don’t need to wait until the State Traffic Inspectorate employees fill out all the paperwork, but go straight to the insurer’s office and quickly receive a cash payment or a referral to service. Today, CASCO insurance with such conditions can be purchased from any company, taking into account some of the features of making payments, which each insurer has its own.