CASCO Rules at Ingosstrakh - Latest Edition, Questions and Answers, Insurance Event

What is CASCO?

CASCO is a specialized type of insurance protection provided as a result of concluding a voluntary insurance contract for structural damage to a car.
Unlike compulsory motor liability insurance, this type of insurance is not mandatory, therefore it is less regulated by law. The process of obtaining insurance is very sensitive to the nature of the insurance claim. If the conditions are not met, in the vast majority of cases, the insurer will refuse, and payment under CASCO insurance in case of an accident will not be made. This should be taken into account by all drivers who believe that they are insured against unforeseen circumstances if they have a policy.

Important! CASCO is a generally accepted insurance term, but is not an abbreviation for the service. When traveling abroad, keep in mind that similar insurance services may be provided under a different name.

Insured events usually include several categories of incidents:

• theft of parts, assemblies and components of a car;
• theft of an insured vehicle;
• damage from hooliganism;
• violation of the integrity or damage to the vehicle resulting from natural factors;
• accidents and other traffic incidents that led to damage.

As you can see, the CASCO service involves directly insuring individual parts and components of vehicles. The list of cases in which CASCO payments are made is usually reflected in the contract.

Non-insurance cases under CASCO

An uninsured event is the reason for refusal of compensation for damage under CASCO. Carefully study the list of non-insurance events in your company, they are different for everyone.

Main non-insurance cases:

• theft of a car in which documents or car keys were left;
• theft due to fraudulent activities;
• the driver during the traffic accident was under the influence of alcohol or drugs;
• the driver does not have a driver’s license or it is expired;
• the accident occurred under the influence of medications that are contraindicated when driving;
• The accident occurred in areas not intended for vehicle traffic (forests, beaches, frozen ponds, etc.);
• vehicle components have been changed without permission from the traffic police (fuel, brake systems, steering, engine);
• deliberate damage or theft of a vehicle has been proven in order to obtain insurance compensation;
• non-compliance with fire safety rules in the car (a fire was lit in the cabin, or a smoldering cigarette butt got stuck);
• The driver was driving and was not included in the CASCO policy.

All insurance cases under CASCO

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When concluding a contract, it is better to immediately clarify how to receive a CASCO payment from a specific insurance company. Despite the same general rules, it is better to follow the instructions of the specific insurance company with which the contract was concluded.

Before signing a contract, it is advisable to consult with an auto lawyer or buy an insurance policy on the recommendation of a specialist who is well aware of the peculiarities of the insurance market in your city.

The list of insured events and the specifics of providing financial assistance must be recorded in the contract. In general, a CASCO agreement may cover the following events:

1. All types of robbery and the consequences of these actions: theft of a vehicle or loss of individual spare parts.
2. Damage to a vehicle as a result of the actions of strangers.
3. Damage caused by natural disasters and disasters.
4. Falling off the road (into a ravine, abyss).
5. Damage to vehicle components and components as a result of road accidents.
6. Loss of vehicle performance regardless of the circumstances.

Unlike compulsory motor liability insurance, the driver must receive compensation under the CASCO policy even if he was at fault in the accident. However, this does not always happen; insurers under this type of policy also try to write off the damage to the guilty party. Moreover, for this purpose, tricks are used in violation of registration regulations. These are common and main reasons for refusal to pay CASCO.

Actions in case of an insurance event under comprehensive insurance

Every car owner should know what to do in the event of a comprehensive insurance claim. Depending on the situation that led to the damage to the vehicle, the list of actions may vary. If the car was damaged while driving or from a situation that fits the meaning of a traffic accident, the policyholder must:

1. Notify the traffic police or the police about the fact of an accident or emergency to document the incident - drawing up a protocol. After this, you immediately need to call the insurance company and report the occurrence of an insured event. The operator will register the request and, if necessary, advise on further actions.
2. Do not move the vehicle until the traffic police arrive and do not make minor repairs - this may affect the scheme of the incident and be perceived by the insurer as an attempt to commit fraud.
3. Do not say anything unnecessary to other participants in the accident. If several parties or third parties were involved in the accident, it is not recommended to discuss with your opponents the possibility of compensation for damages, bypassing the standard procedure - this can also be regarded as an attempt to commit fraud in relation to the insurance company.
4. Take a photo of the scene of the incident on your mobile phone. If possible, be sure to photograph the result of the accident from different angles so that the Investigative Committee does not have any additional questions. The more detailed the case is presented, the less likely it is to be denied compensation.
5. Describe the scheme of the incident to the traffic police officers. Upon arrival of authorized employees, it is important to describe in detail the incident diagram for the record and make sure that everything said was recorded in accordance with the words of the policyholder. The owner of the vehicle must sign the protocol only if he agrees with what is written in it.

A comprehensive insurance case without an accident also requires contacting the traffic police or the police. Next, you need to inform the insurance company about what happened, ask questions about further actions and follow the instructions of the insurance company employees. If harm to health is caused, you must immediately contact a medical facility or wait for an ambulance on the spot.

What to do in case of an accident and CASCO insurance

If you have a CASCO policy, when an insured event occurs, it is important to comply with the requirements for its registration and the corresponding actions:

1. The driver is required to stop immediately after the event.
2. After stopping, you need to turn on the hazard lights and set the appropriate traffic signals.
3. After this, you need to contact the traffic police and call a patrol car to the scene of the incident.
4. At the same time, you need to call the insurer back at the phone number specified in the policy leaflet and describe the situation (you should also contact an auto lawyer for advice).
5. It is advisable to collect photographic evidence from the scene of the incident.

Please note that you can receive compensation under the CASCO policy of the culprit or under your own contract. Compensation is provided once. Payment under CASCO without a certificate of an accident is possible only if compensation is received for one of the described insurance cases that do not relate to road accidents.

A certificate of an accident is not a comprehensive document; a post-accident diagram drawn up by the State Traffic Safety Inspectorate is also required. This is the starting point in resolving controversial issues when receiving compensation.

It is better to carry out any conversations with participants in events on the road together with a lawyer and a motor vehicle lawyer. Try to remain silent until your representatives arrive, except when assisting victims.

Video on the topic

How to file an accident under CASCO

First of all, when registering incidents, you need to pay attention to the protocol. Under no circumstances should you sign it in a state of stress; it is better to do this after consulting with your lawyer. After the incident, the traffic police issues a fine for the accident, a receipt for payment and the resolution itself must be provided in order to receive payment under CASCO. Next, fill out a free form statement about the incident to receive compensation.

Please note that only in some cases can you count on violating the registration procedure and drawing up a notice at the scene of the incident. Most often this leads to refusal of payment. When you can receive compensation and the procedure itself, the insurance inspector will clarify. The deadlines for payments under CASCO are reflected in the contract.

If you still want to draw up a notice, you can do it yourself. In some cases, the insurer may satisfy the request without a complete package of documents. In this case, it is necessary to accurately describe the circumstances, and also include evidence of the incident and the injuries sustained. You will need to bring in witnesses.

Procedure for receiving insurance compensation after an accident under CASCO

Any difficulties are not so scary if you know in advance how to behave in a given situation. Simple recommendations will help you quickly navigate in the event of a car accident and the availability of a CASCO policy.

CASCO policy is valid

• for compensation of damage in case of damage to the car, depending on the type of insurance chosen
• for compensation of damage in case of car theft, depending on the type of insurance chosen

How to get insurance after an accident?

Step 1. Call the traffic police.

Check the data when filling out! Inaccuracies may result in denial of compensation.

Step 2. Notify the insurance company about the accident.

Make a call - contact details must be in the insurance policy.

Step 3. Submit the application and necessary documents to the insurance company.

In case of CASCO insurance, the application must be submitted no later than 3 working days after the incident.

For insurance payment under a CASCO policy, the following documents are required:

• driver's passport;
• driver's license;
• vehicle passport;
• notarized power of attorney, if the applicant is not the owner of the vehicle;
• last technical inspection certificate;
• bank details for transferring compensation;
• insurance payment receipts.

Depending on the nature of the incident, the set of documents will be different:

• in case of an accident - a copy of the protocol on the administrative offense;
• in case of theft - a notification coupon, a certificate of damage (theft of elements) of the car, a copy of the resolution to initiate a criminal case or to refuse it;
• in case of damage in the event of a natural disaster - a certificate indicating the damage received, a certificate from the Ministry of Emergency Situations about the natural disaster or from the weather service about the weather conditions is possible if the damage was caused by hail or heavy rain;
• in case of fire - a document from the fire service indicating the grounds, type and extent of damage, a copy of the initiation of a criminal case or its refusal;
• in case of theft - add a statement about the incident (no later than 3 working days), a certificate from the internal affairs authorities about the initiation of a criminal case regarding the loss of the car, hand over a set of keys and alarm systems.

An insurance company specialist will help you collect all the necessary documents if you chose CASCO when applying for a CASCO policy.

On a note! According to the CASCO policy, in the event of a car theft and its discovery, some insurance organizations ask you to sign a document confirming the return of the insurance payment. You may retain a share of the insurance compensation if the car is damaged.

Step 4. Provide the damaged car to a specialist for examination.

The cost of damage is determined as a result of an examination of the property. The insurance company assessment must be completed within 5 days from the date the victim submits the application. The owner of the insurance document has the right to disagree with the calculated amount of insurance payments and to conduct an independent examination at his own expense. Don't forget about the help of car lawyers. One of the most reliable representatives is. The company’s specialists will not only advise you free of charge, but also resolve all issues that arise for a modest fee.

LIMIT AND DATES OF PAYMENTS

Insurance payments under CASCO occur on average within 7-20 days from the date of submission of all documents. In case of theft - within 2-3 months from the moment the criminal case was initiated. Insurance companies have the right to independently set payment limits; they are divided into aggregate and non-aggregate amounts.

In the event of a refusal to pay, with which you categorically disagree, REMEMBER that experienced lawyers are always ready to protect your rights!
Be careful while driving!

How is it processed according to the Europrotocol?

Another option for registering an accident is the Europrotocol. When filling out the front part, both participants must be present; any pens can be used for this. The reverse side is filled in after the events. To eliminate various situations with inconsistency of forms, it is better to use the forms provided by the insurance company.

The protocol must indicate the following data:

• damage and list of damaged units and components;
• description of the damage in financial terms;
• accident diagram drawn up by the traffic police;
• circumstances of the accident;
• personal data of participants with contacts and addresses;
• name of the insurer;
• participants' driver's license numbers;
• driver contacts;
• personal data of the person who was driving during the accident of a car with a CASCO policy;
• registration certificate and VIN;
• brief description of participating vehicles (make and model);
• data from road service inspectors;
• personal (passport) data of witnesses;
• information about the medical examination of participants;
• presence of wounded (dead);
• date and time of the accident;
• data about the accident site.

Please note that the maximum payment under CASCO will be made if the list of damages is correctly described and the total damage is assessed in financial form.

The Supreme Court examined the case of refusal of insurance payment due to the terms of the CASCO agreement

Photo: Freepik The Supreme Court of the Russian Federation considered a dispute with a client who, contrary to the terms of the CASCO agreement, decided to receive monetary compensation instead of repairs. In the court of first instance, the car owner's demands were satisfied. However, the appeal and cassation instances overturned this decision. The Supreme Court did not agree with them. LR correspondent was present at the court hearing

In the spring of 2021, Tuapse resident Boris Fedorchuk (surname changed), picking up his BMW X3 after washing, discovered a whole “bouquet” of mechanical damage to the paintwork on the body. The regional police department examined the car, but refused to initiate a criminal case. The case was recognized as an insurance case and a referral was issued for repairs from an official dealer - the CASCO agreement did not provide for monetary compensation for the risk of “damage”. Having compared the list of damages in the insurer's documents with the list recorded in the police refusal order, Fedorchuk discovered a significant difference, and not in his favor. The car owner had doubts about the correctness of the insurer's list, which were confirmed by an independent expert. Fedorchuk decided to refuse repairs and still receive compensation, which he notified the insurance company with a claim. He did not receive an answer and went to court, asking to recover a total of just over 1.6 million rubles from AlfaStrakhovanie JSC. The Tuapse City Court partially satisfied the claim, reducing the amount of compensation to 1 million.

The Krasnodar Regional Court sided with the claim that she had fulfilled all her obligations to the client. The panel of judges concluded that Fedorchuk initially wanted to receive monetary compensation, and not repairs at a service station (service station), as required by the terms of the contract. The motorist's demands were denied. The cassation court upheld the decision.

Fedorchuk filed a complaint with the Supreme Court. Among other things, he noted that the issuance of a referral to the service station in his case did not constitute compensation for damage in full. And this, according to the plaintiff, was contrary to the terms of the contract. Fedorchuk considered the reference of the judicial panel of the regional court to the dishonesty of his behavior to be inconsistent with the materials of the case.

At the hearing in the Supreme Court, only a representative of AlfaStrakhovanie was present from the parties. A rather lively dialogue ensued between the lawyer and the judges of the Supreme Court.

“We agree with the arguments of the appellate and cassation instances on the merits of the dispute; we do not support the plaintiff’s complaint,” the representative said. — According to contractual relations, payment is made in the form of repairs, but the plaintiff did not provide his car for repairs. He also did not provide evidence that there were any violations during the inspection.

— Please immediately explain, is there an inspection report of the car in the case file? — asked Supreme Court Judge Vyacheslav Gorshkov, “Was it somehow signed by the plaintiff?”

“I can neither confirm nor deny this, I was in another region,” the lawyer said shyly.

— How can we explain that the amount of damage claimed and the one you agree with are different? - Judge of the Supreme Court Elena Getman joined in.

- This is a technical question, dear court. I can’t speak for the technical staff, I can assume that they saw it that way.

— Look, the inspection report contains a specific list of damages. The plaintiff says: I disagree, I have more damage. So is there agreement between the insurer and the policyholder or is there a dispute? - Judge Astashov pressed the Supreme Court.

The representative was unable to answer this question clearly and convincingly. As well as many other questions from judges who tried to find out why the insurance company, having generally recognized the case as insured, could not find a common language with the client.

The Supreme Court sent the case for a new trial to the appellate court.

Contacting the insurance company after an accident under CASCO

When contacting an insurance company after an accident, it is better to comply with the requirements of the contract or instructions provided by the insurance agent. Before concluding a contract, it does not hurt to compare the contract data with the legal requirements. If regulatory violations of the contract clauses are noticed later, payments can be obtained through the court. However, the likelihood of such an outcome is not so high.

You must notify the insurance company about the event within 3 days, preferably on the day of the incident!

What to do if an insured event occurs?

Depending on the specific situation, the algorithm of actions may differ slightly. If we are talking about theft or other means of stealing a vehicle (robbery, robbery), then immediately after discovering the loss, you must report it to the internal affairs authorities and notify the insurance company within 24 hours.

In all other cases, there is no need to urgently contact the insurer, but you should report the incident to the competent authorities as quickly as possible and receive from them documents drawn up in the established forms that confirm the incident. So, in case of an accident, this must be a certificate from the traffic police, in case of damage caused by third parties - from the Internal Affairs Directorate, in case of fire or combustion - from the Ministry of Emergency Situations, in case of damage as a result of natural disasters - from the Department of Hydrometeorology and Environmental Monitoring.

Then you need to collect and submit a package of documents to the insurance company. After the theft, 3 days are given for this, in other situations - 10 days. In addition to the certificate, the package includes:

• statement about an insured event;
• insurance contract;
• vehicle registration certificate;
• driver's license of the person who was driving at the time of the incident;
• owner's passport;
• other information for receiving compensation: bank details, tow truck invoices, etc.

The insurer has the right to demand other documents that can shed light on what happened.

However, Casco provides the opportunity to significantly simplify this protocol. For example, it makes it possible to call a qualified specialist to the scene of an accident who will provide the necessary assistance: assess the traffic situation, draw up documents for a traffic accident, draw up a damage inspection report and monitor compliance with the client’s rights. Bureaucratic procedures can also be avoided. When adding, the insurance company itself will take care of receiving and processing the papers - except in cases where the personal presence of the policyholder is required.

Another interesting additional option is insurance compensation without certificates. By connecting it, you don’t have to collect paperwork from the appropriate authorities in case of most common minor damages: damage to body parts, glass, headlights, rear-view mirrors, turn indicators. The number of such indemnities during the period of the insurance contract is limited.

What documents are needed

When contacting an insurance company, the following documentary basis is required:

• accident report (copy) and traffic police certificate;
• accident diagram;
• fine decision;
• independent notification (with a simplified version);
• STS and PTS;
• driver's license;
• statement;
• CASCO policy and Europrotocol;
• agreement on the amount of payments;
• passport;
• court decision (if any);
• inspection certificate;
• medical discharge in the presence of wounded and casualties.

How to write an application to an insurance company correctly?

When contacting an insurance company, we write a statement about the insured event. Each company has its own form to fill out; all data is written down in pen. The insurance company office always has a sample to fill out. We write everything correctly, without errors. If there are corrections, we confirm them with a signature.

The main thing is to describe everything in detail in the document. List all damages that occurred during the insured event. If you contact an insurance company to settle a loss without certificates, do not write “I saw it a month ago, but now I’ve contacted you because I have time.” Under such conditions, the deadlines for contacting the insurer are violated, and the company will refuse compensation for damage.

After reviewing your application for an insurance event, you will be offered compensation according to the insured event under CASCO and your contract:

• refund of funds (theft or total);
• repair work from an official dealer;
• repair work at a universal service station.

You can read in detail about the conditions and terms of repairs under CASCO on our website on the page “Repairs under CASCO: conditions and terms”

If you find yourself in an unpleasant situation, follow the established procedure. Pay close attention to deadlines for submitting documents. Just in case, keep a memo from your insurer in your glove compartment. Enter the agent's number in the phone book, he will always tell you what to do correctly. We hope that the knowledge gained will help you when communicating with the insurance company.

If there is no certificate of an accident

If there is no certificate of an accident, you can receive payments in connection with damage to the car. However, if the car was clearly involved in an accident, the insurance agent may insist on contacting the traffic police in order to eliminate the criminal trace of the incident.

For other consequences, you can use other compensation options reflected in the contract. To do this, you should contact the service and an experienced auto lawyer.

What is required to file damages for an accident:

• description of the scene of the incident, including a description of the markings and driving directions;
• indicate the braking distance at the scene of the accident and its location relative to other vehicles and obstacles;
• information about the insured car;
• driver data;
• information from two witnesses.

How is insurance paid?

You can usually receive a refund immediately after payment limits have been agreed upon. When submitting a claim, it is better to provide access to the insurer’s specialists to the damaged car. If the driver does not agree with the conclusions of the insurance company and the amount of compensation, an examination is required, but the financial gain for the owner will usually be small. Moreover, it is possible that the insurer will begin to look for reasons for a complete refusal of compensation.

How is the CASCO payment made? You can receive funds at the company’s office, or a payment is made to the victim’s specified account. A targeted payment to the repair contractor is possible, but this happens in rare cases when the client and the insurance contractor initially did not agree on the amount of payments, but came to an agreement through repair work. Such an agreement goes beyond the scope of a standard insurance policy, but in some cases it does occur.

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

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

So, it is necessary to analyze the main list of violations in which the insurance company can rightfully refuse insurance payment.

1. The driver driving the car violated the following points: • was drunk (this includes not only alcohol, but also drug intoxication); • was not included in the insurance policy; • did not have a driver's license; • management category did not correspond; • took medications that are prohibited from taking before driving.
2. Violations of driving rules: the driver did not put the handbrake on the car before leaving the car.
3. Due to improper use of fire, a fire occurred in the car and the car caught fire.
4. The car was not moving along the roadway, but, for example, near a lake or even on ice.
5. There were violations in the vehicle maintenance: for example, changes were made to the operation of the following critical elements: • engine; • brake system; • steering; • fuel system.
6. Fraud was committed and the harm was intentionally caused in order to obtain payments.

If one of the categories fits your case, it is not possible to receive insurance payments. The fact is that most of these nuances are prescribed in insurance contracts and, if you have not fulfilled your part of the contract, the insurance company will not do so, quite legally.

If the car is total with CASCO

This question in the language of insurers and drivers means the complete loss of a vehicle and the lack of possibility of restoration. We are talking about the so-called constructive death of the car. Typically, such compensation is included in the standard policy, but before applying for compensation, you should read the clauses of your CASCO agreement. The amount of payments for such damage from the depreciation value is 65–80% and depends on the policy of the insurer.

"Total" can also be recognized as a result of calculation of the cost of restoration by an expert. In this case, it must exceed 400 thousand rubles.

When will the insurance company pay?

The insurance company is obliged to pay compensation within the terms specified in the contract. Typically, the terms of payment under CASCO for total are established by agreement of the parties in agreement with the financial department of the company, the place and time of issue of funds. If the deadlines are critically violated, the victim can receive money by court decision, and he can also claim a penalty if the delay in payments was due to the fault of the insurance company.

On average, the period for a large payment does not exceed 2 weeks.

How to file an insurance claim under CASCO

An insured event is processed in several stages.

First, a traffic police officer (if an accident involving a second person) or a police officer is called to the scene of the incident. They must inspect the scene of the incident and draw up a report.

Read about how to properly file a traffic accident here.

In the case of an accident, a protocol is drawn up along with a certified diagram. If there was a different case, simply the protocol and attached documents, audio or video files are sufficient.

After the protocol is drawn up, it is necessary to inform the insurance company about what is happening. Many lawyers generally advise calling the Investigative Committee first, and then the authorities.

The insurance company is obliged to give you a comprehensive answer to the question of what exactly it needs in order to process what happened under CASCO.

The list of documents usually includes:

1. Protocols from authorities.
2. Scheme of the incident (if an accident occurred).
3. Photo or video of what happened.
4. Documents for the car - PTS, certificate.
5. Insurance documents – OSAGO and CASCO.
6. Documents of the owner or driver - passports, driver's license.
7. A receipt indicating that you paid the duty.
8. Statement (copy) from the police - if your car was stolen.

Also, in case of theft, as a rule, you need to give the insurance keys, chips and alarm key fobs (if any).

Will damages be compensated under CASCO if the culprit escaped?

Similarly, as in the previous paragraph, you can answer the current question. Payments under CASCO do not depend on the nature of the driver’s fault, but are paid if there is structural damage to the car. Another thing is that the incident itself and the damage caused to the vehicle must be properly documented. In case of violation of regulations, compensation limits may be lowered. Some insurance companies often resort to such methods of reducing damage.

What is an insurance case under CASCO without an accident?

Insured events are any circumstances in which the Insurance Company must pay compensation for damage under CASCO. Their full list and terms of compensation are indicated in the contract.

The risks against which you insure your car are divided into two groups: those that arise as a result of an accident, and those that do not. A non-accident insurance claim means that the car was not damaged as a result of the accident.

The list of such risks is also indicated in the contract, and in this case the insurance company does not have the right to refuse to pay insurance compensation.

CASCO coefficients

When conducting an examination and calculating payment limits, the so-called CASCO coefficients are taken into account. The amount of compensation and cost of the policy varies:

• if the car is in bank collateral;
• in the presence or, conversely, absence of accidents in the past;
• from right or left hand drive;
• vehicle power;
• actual age and mileage;
• brands and models;
• owner's place of residence.

The cost of a CASCO policy increases significantly after the car is involved in an accident.

These questions will help you behave correctly and complete documents when filing an application for damages under a CASCO policy.

Terms for consideration of an insured event under CASCO

Those who were previously insured by a compulsory motor liability insurance policy are accustomed to strictly regulated deadlines for compensation for damage. However, the period for considering an insured event under CASCO may differ slightly. In this case, these deadlines are set by each individual company. When concluding an agreement with insurers, you stipulate these terms in the document.

Most clients of insurance companies do not know that payment terms are prescribed not in specific contracts, but in the rules proposed for the contract. In addition, there is a small nuance that gives the insurance companies a free hand, and they can drag out time for a very long time, giving the client more and more reasons not to pay.

The above rules usually specify the period within which the company is obliged to make all necessary payments. However, there is one “but”. This period begins to count from the moment when the decision is made to recognize your specific case as insurable. At the same time, the period within which this decision must be made is not specified anywhere. This small nuance creates big problems for honest clients.

Often, the timing of settlements between insurance companies and clients may directly depend on the circumstances under which a specific insured event occurred. This also takes into account how the application for payments was completed. If some conditions were described there, for example, an independent examination, then its conclusion is needed so that the company sees the required amount of compensation and begins the process of paying it. Consequently, some nuances may require additional time, and the process may justifiably drag on.

Sometimes under CASCO you can get a settlement not in the form of material resources, but through repairs. But in this case, the type of repair is carried out in agreement with the insurance company, and no one knows the period for which it will all drag on. Moreover, if some parts are out of stock, few people will rush to find the necessary parts and repair your car.

Table of short answers to important questions on CASCO

Video on the topic

Catalog of insurance companies in Russia

By following the link , you can familiarize yourself with the catalog of Russian insurance companies offering CASCO insurance services. Description of organizations, current financial indicators, ratings, reviews and other information. If you have already had a positive or negative experience with CASCO insurance from any insurance company, please leave your feedback. Thank you!

Link again. Also, be sure to write your comment below. What do you think about the topic of this material? Or maybe you have questions? Ask!

Total loss of the car (total) under CASCO - what is important to know?

Total loss of a car under CASCO - what is important to know?

In itself, the complete loss of a car (total under CASCO, total auto) is an extremely serious event associated with great stress.
For CASCO insurance, total loss means that the insurance company will pay an extremely significant insured amount. Will it?

Therefore, very often, if a car is completely lost under CASCO, insurance companies underestimate the damage, deceive policyholders, or do not pay the amount under CASCO at all. In this case, you have to go to court.

We often handle “total” cases in court; we have created and worked out a scheme that brings clients maximum money, usually even more than the amount of the established insured amount.

To do this, it is necessary to properly conduct an independent examination, draw up an application for abandonment of the car and go to court.

For any questions, call us, we do business in the Moscow region.

Scheme of actions in case of total loss of a car (click on the picture to enlarge):

Total loss of the car (total) under CASCO

What is a total loss of a car?

In the usual understanding, the complete loss of a car is its complete destruction.

What is a total constructive loss of a vehicle?

In essence, this concept is similar to the concept of complete loss of a car, that is, complete constructive loss of a car means its complete destruction.

What is total loss (total) under CASCO?

If by CASCO we mean car insurance against various risks, then by CASCO total loss of a car we mean such a condition of a damaged car in which its structural restoration through repair is not economically feasible.

In fact, under CASCO, the complete loss of a vehicle (vehicle) or “total under CASCO” (term) will be established even if it is technically possible to restore it. However, it will be cheaper to buy the same used car than to repair it.

In all CASCO insurance contracts, constructive (total) loss of a car is defined almost the same.

Total (structural) loss of the car occurs if the cost of repairs, determined by an independent expert, exceeds a certain percentage of the insured amount.

The CASCO payment for the total will be determined depending on the circumstances.

For example, the cost of a car at the time of insurance is 1 million rubles

According to the terms of the CASCO insurance contract, total (structural) loss of the car occurs at 75%. Thus, if the cost of repairing a car is 750,000 rubles or more, then the car is considered completely destroyed.

In this case, the insurance company:

→ deducts depreciation from the sum insured → subtracts usable balances (the value of the damaged car) from the sum insured → pays you what is left.

For example.

If we assume that the car is significantly damaged, the insurance payment may be:

→ the percentage of wear and tear for 1 year will be approximately 13%, that is, 130,000 rubles → the cost of usable balances (often overestimated by experts) will be 250,000 rubles → the cost of the insurance payment in hand will be (1,000,000 - 130,000 rubles - 250,000) 620 000. And this is for a new car, the price of which six months ago was 1 million rubles.

What should you pay attention to if there is a possibility of total loss of your car under CASCO?

The insurance company has two options on how to save money in the event of a total loss of the car.

The first option is not to recognize a complete loss under CASCO. To do this, it is necessary to significantly reduce the cost of repairs. That is, instead of repairs costing 750,000 rubles, determine it in the amount of, for example, 300,000 rubles.

The second option is to admit the complete loss of the car and significantly inflate the cost of the usable remains. As a result, in the final settlement, not 100,000 rubles (the real cost of the remaining parts from the car), but 350,000 rubles will be deducted from 1 million rubles.

All these options are used in case of total loss of a car by unscrupulous insurers and independent experts.

However, our lawyers at the YurField center have been successfully fighting such “actors” for a long time.

How can a lawyer help?

Firstly , we cooperate with forensic experts who make an objective calculation of both the cost of repairs and the cost of usable remains. As a result, even in the event of a lawsuit with the insurance company, we will know for sure whether there is a constructive loss or not.

Secondly , in the event of a constructive loss, we often offer our clients to exercise the right to completely refuse the insured property (damaged car) and receive the insured amount in full through the court.

That is, if we take our example with a car worth 1 million rubles, then our policyholder, having abandoned the usable balances in favor of the insurer, will receive either 1 million rubles.

Agree, if the car is completely lost under CASCO, it is much easier to get almost all the money by leaving the damaged car to the insurer.

The last thing we should dwell on is the case when, in the event of a complete loss under CASCO, the beneficiary is the bank.

This condition means that the insurance company, upon recognizing the case as insured, is obliged to pay not you, but the bank. Typically, in such situations, the insurance company tries not to pay, and the bank regularly receives a loan from you for a pile of scrap metal.

Therefore, in this case, before submitting any applications to the insurance company, it is necessary to prepare an application to the insurance company to change the beneficiary from the bank to yourself.

Please note that this may be grounds for the bank to require early payment of the loan agreement. Unfortunately, this is the price to pay for the opportunity to get money from the insurance company.

Sometimes a situation occurs when a previously stolen car is found completely damaged.

In fact, this will be theft and total in the future under CASCO insurance.

That is, very often, if a previously stolen car was insured under CASCO and was found before receiving the insurance payment, then the payment will be made not according to the CASCO “theft” risk, but according to the total (total loss of the vehicle).

In any case, in case of complete loss of the insured car under CASCO, we offer to use the services of a free consultation at the Law Center "YurField" by phone:

+7(495) 720-99-39.

We have extensive experience in resolving such disputes and will find the most effective and financially beneficial solution.

You can order a free consultation with a lawyer for total death on our website in the application form!