Repair under CASCO from an official dealer or not? Advantages and disadvantages

In accordance with the Federal Law “On the organization of insurance business in the Russian Federation”, if an insured event occurs under a CASCO policy, the insurer can replace the cash payment with compensation for the costs of repairing the vehicle.

The conditions for restoring the car are specified in the contract concluded between the company and the client.

You should carefully read all the nuances of the document before signing it, especially with the terms of compensation in the form of repairs under CASCO.

Peculiarities

The main distinctive feature of insurance compensation under CASCO in the form of car restoration at a service station is the lack of clear regulation of the timing of repairs in regulations.
Unscrupulous insurers can take advantage of this by delaying restoration work.

On the other hand, in some cases, repairs are preferable to cash payments .

For example, if the car is insured taking into account wear and tear, if you choose to have it restored at a service station, you will not have to pay extra for new spare parts.

Will body repairs be carried out if the driver himself is at fault?

In most cases, the insurance company compensates for the damage, even if the policyholder himself is to blame for the damage to the car. However, there are a number of reasons for refusing to carry out repairs:

1. the vehicle was damaged intentionally in order to obtain payment;
2. the driver is not included in the CASCO policy;
3. the person driving the car was intoxicated or grossly violated other traffic rules;
4. The car, known to the owner, was in a faulty condition, which could have caused the accident.

When should the owner demand that the insurance company replace the part?

Elimination of damage by replacing rather than repairing a part (bumper, glass, including windshield, etc.) is possible in the following cases:

• the malfunction cannot be eliminated due to technical reasons;
• the damaged body, cabin or frame of the vehicle does not meet the requirements for acceptance for repairs;
• structural elements and stiffeners are complexly deformed;
• parts have damage, the elimination of which is impractical from a technological or economic point of view.

Conditions after a traffic accident

The conditions for repairs under CASCO are specified in the insurance rules . To obtain compensation for damage, a number of conditions must be met:

1. The event that occurs is recognized as an insured event. To do this, the policyholder must provide the company with:
   documents confirming the occurrence of an insured event;
2. evidence of interest in preserving the vehicle insured under the contract;
3. confirmation of damage.
4. The policyholder fulfilled its obligations under the contract in full. If payment of the insurance premium in installments was discussed, then the cost of repairs is calculated minus the unpaid part.
5. At the time of the event, the insurance contract was valid.

Is it possible to get it if the damage is not confirmed by a certificate of an accident?

In cases provided for by insurance rules, you can receive compensation, including through repairs, without providing a certificate of an accident.

To do this, you need to present the vehicle for inspection by an employee of the insurance company.

Typically,
a simplified procedure for accepting payment documents applies in case of minor damage :

• if the paintwork of one or two body elements is damaged;
• if parts such as headlights, glass, mirrors, antenna are damaged;
• if the amount of insurance compensation is no more than 3% of the insured amount (regardless of the amount of damage).

The number of such requests is limited to 1-2 times during the policy period.

Will they repair cars with damage not caused by an accident or caused by third parties?

If the car is damaged as a result of illegal actions of third parties, the insurance company will send it for repair if all supporting documents are provided. In this case you will need:

1. a certificate from the police department or from a local police officer, to whom you will need to contact with a statement about the offense committed;
2. a copy of the resolution to initiate a criminal case (or refusal to initiate one).

Are there damage limits: do they carry out minor repairs to chips/scratches?

In case of minor damage to the car, it is more profitable to agree to monetary compensation , if such an option is provided for in the insurance contract.
Repair is also possible, but it is likely that it will take a long period of time, although the owner could continue to use the vehicle during this time and restore it himself or in a workshop of his choice in a shorter period of time.

Important! The voluntary car insurance contract does not provide for compensation for minor damage to the paintwork as a result of wear and tear.

Possible reasons for refusal at a service station

But problems can arise not only during registration. The repair company may not accept the car for repair. This is possible in the following situations:

• the insurer owes the repair organization an impressive amount of money;
• In this case, the insurance company paid for the work only partially, and most of it was owed;
• the CASCO agreement is already expired;
• employees of the repair organization believe that the car they received for repair was not the one indicated in the documents;
• there is no employee at work who is competent to carry out a specific cycle of work;
• The service station does not have the parts necessary for repair work.

Of course, refusal is not a common practice, since repair shops are interested in the flow of money. But anything can happen.

Rules and laws

Voluntary types of insurance, which include CASCO, are regulated by the provisions of several legislative acts. Among them:

• Federal Law “On the organization of insurance business in the Russian Federation”.
• Federal Law “On Protection of Consumer Rights”.
• Civil Code of the Russian Federation.
• Resolutions of the Plenum of the Supreme Court (for example, Resolution No. 20 of June 27, 2013).

There is no separate regulatory act regulating the conditions for the provision of voluntary transport insurance services.

The main documents regulating the relationship between the insurance company and the client are the insurance contract and rules. They vary from company to company, but generally may not conflict with federal law.

Is it possible to choose which service will provide the service?

When concluding a voluntary insurance contract, all conditions for possible compensation for damage are discussed .
Typically, the insurance company offers three compensation options:

1. monetary compensation (cost of spare parts and work to restore the vehicle);
2. repairs directed by the insurer;
3. repairs at a service station of the policyholder's choice.

Attention! A separate item is the restoration of a car that is under warranty from an official dealer.

How is the type of compensation selected? The policyholder can specify any of the options presented. The choice of the type of compensation is made at the stage of registering a CASCO policy.

If the contract specifies only repairs directed by the insurer, then in most cases it will not be possible to choose the service yourself .

However, if the insurance company violates the deadlines for completing restoration work, the policyholder will be able to choose a service station himself, and then recover the losses incurred from the insurer.

Will a replacement car be provided?

In accordance with Part 2 of Art. 20 of the Federal Law “On the Protection of Consumer Rights”, when repairing a durable product, the owner is provided with a similar one for a while.

However, there is a list of exceptions established by Decree of the Government of the Russian Federation No. 55 of January 19, 1998, and vehicles are included specifically in them.

But the possibility of getting a replacement car during repairs still exists in the following cases:

1. This condition is provided for in the insurance contract.
2. The car is under warranty and the official dealer is ready to provide a replacement. Often this service is paid, and the insurance company does not compensate for its cost.

Time standards

The maximum period for repairs is not regulated by law .
It is only stated that it must be “reasonable”.

What is the maximum time frame for restoration repairs? The insurance company's rules must indicate the duration of the work (usually from 15 to 45 days).

In case of serious damage to the car, it makes sense to wait a month for restoration work at an official dealer, in other cases - up to a month and a half.

How long should I wait for approval from the moment I submit the documents?

The average processing time for an application is 15 days from the date of submission of the package of documents.

How long does it last?

On average, repairs last about a month , but the time may increase if the service station is very busy, or there is a lack of necessary spare parts or a specialist with a certain qualification.

Reference! The period for carrying out restoration work must be recorded in the direction for repairs.

Nuances of franchising

Franchise is an agreed amount within which insurance compensation is not made.
If the voluntary insurance contract for a vehicle stipulates the presence of a deductible, then part of the repair costs will have to be borne by the owner of the car.

If the culprit of the accident is another driver, you can compensate for the amount spent by applying for compensation under OSAGO .

Let us clarify that through the culprit’s insurance company it will be possible to reimburse only the deductible. Applying for payment in full for the same case under CASCO and OSAGO is illegal.

How to receive a TTS payment?

UTS - loss of marketable value of a car . The term applies to foreign cars no older than 5 years and domestic cars no older than 3 years with a mileage of up to 100 thousand or 50 thousand kilometers, respectively.

TTC means deterioration in the appearance of a vehicle or a decrease in its value as a result of an accident or repair work.

The Presidium of the Supreme Court, in its review “On certain issues of judicial practice related to voluntary insurance of citizens’ property,” recognizes the insurance policy as real damage requiring compensation.

During the process of repairing a car after an insured event under a CASCO agreement, loss of marketable value may occur as a result of:

• body geometry corrections;
• replacement, repair of its removable or non-removable parts;
• painting the outside of the body, plastic parts;
• disassembly of the interior, which may damage the factory assembly.

To receive payment for TCB, you must take the following steps:

1. Submit an application to the insurance company for compensation for damages associated with loss of commodity value.
2. Conduct an independent examination confirming the fact of harm.
3. If there is no response from the insurer, file a lawsuit, citing Article 1082 of the Civil Code of the Russian Federation, as well as the Federal Law “On Compulsory Motor Liability Insurance” (Clause 2 of Article 12, Clause 2 of Article 15).

In this matter, the court usually takes the side of the plaintiff - the position of the Supreme Court on the issue of payment of TTS has been expressed more than once, and there are a sufficient number of judicial precedents.

When a referral is issued

The timing of issuing a referral for repair of a damaged vehicle is regulated by the insurance contract concluded with the companies.
In standard situations, to receive a referral for car repairs, you must:

• submit a written application to the auto insurer regarding the insured event;
• collect and submit to the company a set of documents that determine all the most important factors of the insured event;
• undergo an examination to determine damage.

The period established by the contract will be calculated from the moment of carrying out all the listed operations. On average, it takes a car insurer no more than 30 days to fulfill its obligations.

However, it should be noted that the calculation of this period will begin:

• from the moment of submitting documents, if the car is damaged as a result of any circumstances;
• from the moment of receiving a certificate of refusal/closure of a criminal case, if the vehicle was stolen.

The CASCO insurance contract may establish a list of insured events for which documents are not required, for example, repair of a windshield under CASCO. In this situation, the time frame for providing referrals for repairs may be reduced.

This is also important to know:
Is it possible to extend the warranty after warranty repairs and how to do this

Thus, in order to independently monitor compliance with the deadlines for repairs of the insured car, you must carefully read the concluded auto insurance contract.

Features for a machine under warranty

According to the “Review on certain issues of judicial practice related to voluntary insurance of citizens’ property” approved by the Presidium of the Supreme Court, a car under warranty can only be repaired by an official dealer.

This is due to the fact that when repairs are carried out at another service station, the car owner loses the opportunity to be serviced under warranty at an authorized service center, which is fraught with additional costs for him in the future.

Important! If there is no official service station nearby, the owner of the insured vehicle has the right to demand monetary compensation for restoration work at the cost of repairs at the dealership.

Is it possible to choose which service will provide the service?

All terms of payments and repairs at the service station are discussed at the stage of signing CASCO insurance. Therefore, upon the occurrence of an event, the option that is prescribed is used. And, as a rule, this is not the choice of the policyholder. But if you wish, you can find an insurance company that is ready to give the subject the right to choose.

Repair at an official dealer under CASCO

The insurance policy may provide an option for repairs at an authorized dealer. This is neither bad nor good. There may be different situations. The approximate time frame for restoration work at an authorized dealer may be 15-30 days.

Advantages of repairs at an official dealer:

1. These are highly qualified specialists who understand the specifics of a particular model or brand. They work with this model on an ongoing basis, they know all its strengths and weaknesses, and therefore the quality of repairs is usually higher.
2. Official dealers provide a guarantee for their services. The service warranty period is valid for one year from the date of repair work. This means that if something happens, you can always fix the problem for free.
3. Such service stations have new, modernized equipment that is designed specifically for a specific model. This ensures high quality repairs.
4. If repair work requires replacement of parts, the original will be supplied promptly, without delay.

How is the cost calculated?

The cost of repairing a vehicle insured under CASCO can be determined as follows:

1. Insurance company experts draw up estimates based on the results of the vehicle inspection. Moreover, if the insurance rules do not specify the method for calculating damage, it can be carried out at the average market cost of repair work from an official dealer, repair centers specializing in a specific brand of car, or universal service stations.
2. The policyholder provides documents from the repair organization or an opinion from an independent expert company (by prior agreement with the insurer).

Which option will be used in a particular case depends on the behavior of the owner, because he must order the examination at his own expense.

What does the estimate look like and why doesn’t the insurance company hand over the file for review?

Estimate - a document calculating the cost of restoration repairs . It indicates the details of the vehicle and its owner, a list of repairs carried out and spare parts installed, as well as their price.

Sample estimate for repairs:

If you want to get acquainted with the cost of repairs, the policyholder may face restrictions on the part of the company.

Currently, there is no legislation regulating the possibility of requesting payment documents from the insurance company.

The procedure for reviewing the documentation is regulated by the internal rules of the insurance company.

The insurer will be required to provide documents only if the car owner files a claim in court (for example, in the case of poor-quality repairs).

What documents will be needed?

As mentioned earlier, the main document for carrying out repairs is the direction. It indicates not only the name of the company, information about the owner of the car and the nature of the damage received, but also the amount of compensation, a list of documents attached to the direction, as well as the seal and signature of officials.

To receive a referral, the vehicle owner will need:

• passport;
• CASCO;
• documents from the traffic police, police;
• technical certificate;
• ownership of the car.

As a rule, insurance companies make their own copies. But they may ask for both the original and a copy at once.

Procedure

When an event stipulated by the insurance contract occurs, the car owner must notify the insurance company about the incident as soon as possible.
Usually the contract sets a period of 3-5 days, but some insurers must be notified immediately by telephone.

Then you will need to submit an application for payment , accompanying it with all the necessary documents.

What documents are needed?

To contact the insurance company you will need:

• claim for damages;
• original insurance policy;
• documents from law enforcement agencies (certificate f-154, accident report);
• policyholder's passport;
• Vehicle title;
• driver's license;
• inspection certificate.

How to get a referral for service?

A referral for repairs is issued after the policyholder provides a complete package of documents to receive compensation. It must indicate:

1. a list of problems to be corrected based on the inspection results;
2. dates of commissioning for repairs and completion of restoration work.

Attention! Unless otherwise established by the contract and insurance rules, the insurer is obliged to issue a referral within a week from the date of submission of documents (Part 2 of Article 313 of the Civil Code of the Russian Federation).

What does it look like?

There is no single form of referral for repairs .
Each company has its own. The document contains the following information:

• policy number;
• information about the car: make, model, number, year of manufacture;
• owner details;
• name, address, telephone number of the service station;
• sum insured;
• franchise (if established by agreement);
• list of problems, planned types and timing of work (filled out by service station employees).

The direction is issued to the policyholder.

Where is the purpose stated in it?

It is impossible to find out in advance about the repair or replacement of parts from the repair order . The list of damage and planned work to restore the car is filled out by car service specialists after a detailed inspection of the vehicle.

Referral validity period

The repair order is valid for 3 years.

What to do if they delay implementation?

The timing of car repairs must be fixed in the contract (Article 943 of the Civil Code of the Russian Federation). Additionally, the completion date of the restoration work must be indicated in the repair order.

If the insurance company is delaying repairs, then the following actions must be taken if the deadlines are delayed:

1. Send a claim to the insurer demanding replacement of the repair organization, payment of the work order, or elimination of any other reason preventing the restoration of the vehicle.
2. If there is no response, contact a service center of your own choice, then present to the insurer documents confirming the cost of repair work and spare parts.
3. If settlement is not possible at the preliminary stage, file a claim in court.

Penalty amount

The penalty for delays in repairs ranges from 1% to 1.5% of the cost of repairs for each day of delay. Additionally, the insurer may be subject to a fine in the amount of 50% of the insured amount for failure to comply with the requirements of the plaintiff-applicant on a voluntary basis.

How to accept a car?

Upon completion of the repair, the owner accepts the vehicle . If the work is done efficiently and the specified defects are eliminated, the client signs an acceptance certificate for the car.

This document confirms the absence of claims on the part of the insured against the service station and the insurer. The car must be accepted within 1 to 3 days.

Procedure after receiving a referral

After receiving the document, the car owner must contact the service station at the address indicated in the direction. Next, the following activities are performed:

• station masters inspect the car;
• the availability of necessary spare parts and components is clarified;
• the nuances of repairs and possible deadlines for completing the work are discussed;
• The car is transferred for repair according to the act.

In the acceptance certificate it is necessary to describe the existing damage, because If the service unintentionally damages parts of the car, for example, a headlight is broken, then the replacement should be carried out at the expense of the workshop, and not the insurance company.

After the work is completed, the car can be picked up, and a certificate of completion of work is also signed.

Actions upon detection of a low-quality service

If it is discovered that the repair was carried out poorly, the insurer, and not the car service center, is responsible for this (Resolution of the Plenum of the Supreme Court No. 20 of June 27, 2013).
What the car owner needs to do:

1. Conduct an independent examination confirming the errors of the repairs performed.
2. Make a claim and send it to the insurance company.
3. If there is no response from the insurer, you should go to court.

Making a claim

In case of improperly performed repairs, a claim is filed with the insurer . It should list all the signs of poor-quality restoration work and offer options for resolving the situation.

You can offer the insurer one of three compensation options:

1. eliminate the deficiencies of the repair work performed free of charge;
2. pay the costs of re-repair;
3. reduce the cost of work performed by compensating the policyholder for the difference in cash.

The claim should be sent by registered mail or delivered personally to a representative of the insurer. The document is drawn up in two copies.

If you hand over the claim, the insurance company employee must put the date of receipt and signature on the client’s copy.

Sometimes deficiencies in the repairs made are revealed after the vehicle has been accepted.

In this case, you should remember that a claim can be sent to the insurance company within 2 years from the date of receipt of compensation .

How to do an examination?

To assess the quality of the restoration work carried out, you should contact an independent expert organization.

The specialist conducting the examination must be certified and included in the state register of experts.

When assessing repairs performed at a service station, the expert is guided by:

• Rules for conducting an independent technical examination of a vehicle No. 433-P dated September 19, 2014, approved by the Bank of Russia.
• The unified methodology for determining the amount of costs for restoration repairs in relation to a damaged vehicle No. 432-P dated September 19, 2014, adopted by the Bank of Russia.

Whose side is the court on?

An analysis of judicial practices in cases of poor-quality repairs shows that courts more often make decisions in favor of the plaintiffs, that is, the policyholders . In this case, you can demand compensation from the defendant for the following expenses:

• compensation or additional payment for repeated high-quality repairs;
• funds spent on a lawyer;
• compensation for moral damage.

Reasons for insurer refusals to send for repairs

Can they refuse to issue a referral for repairs? Of course they can. And this can be done both legally and not.

Grounds for refusal:

• There is no valid policy. If the CASCO insurance policy is already expired, the referral will not be issued.
• The policy was issued to one person, but at the time of the accident the vehicle was being driven by a completely different person.
• The terms of the contract have been violated. As a rule, this concerns the state in which the driver was while driving: alcohol or drug intoxication.
• Deliberate actions in relation to the vehicle.
• The accident occurred due to an incident that cannot serve as a basis for payment. As a rule, this is a specific list of administrative and criminal offenses. They are prescribed in the policy.

Does the company have the right to refuse?

Find out what happens if the insurance company refuses to pay for full car repairs.
The vehicle is repaired at a service station, if possible and economically feasible.

For example, if a car is stolen or completely lost, the insurance company will only be able to pay monetary compensation for the harm caused to the client. also a number of grounds for refusing any form of compensation .

Why does the insurer sometimes not want to approve and send the vehicle for restoration?

In some cases, restoring a car may not be profitable for the insurance company:

1. The insured vehicle is still under warranty (prices from an official dealer, who in this case must be contacted for repairs, are usually significantly higher than the market average) or, on the contrary, is quite old (the company loses money on installing spare parts without taking into account wear and tear).
2. The insurer and the repair organization cannot agree on the list of necessary work.

Important! If the possibility of compensation for damage through repairs is provided for in the insurance contract, the client may insist on restoration work. If necessary, you should submit a written claim to the insurer.

In what case can he refuse to pay?

The insurance company may refuse to pay the full cost of repairs in the following cases:

• Defects on the vehicle appeared due to wear and tear.
• An element was damaged that, at the time of concluding the insurance contract and inspecting the vehicle, had deficiencies, and these were not eliminated after the policy was issued.

Without certificates from the traffic police

In the event that your car suffers accidental damage: a dent on the door or a scratch due to accidentally hitting a fence or garage wall, pebbles falling on the glass can leave marks, etc. – you can cover the cost of repairs without issuing certificates from the traffic police.

But if there is even a minor collision with another car, you will still need to take certificates and a protocol from the traffic police services.

If your vehicle has been involved in a non-accident with minor damage that still needs to be repaired, you can follow these steps:

• submit an application to the insurance company, describing in detail the insured event and the damage to the vehicle;
• it is imperative that an expert appraiser conduct an examination, as a result of which it will be determined whether certificates from the traffic police are required or not;
• wait for insurance payments or a referral for repairs from the insurance company;
• In case of refusal and failure to provide you with objective reasons for the refusal, you have the right to contact the consumer rights protection department.

Not all insurance companies have an unambiguous attitude towards such vehicle parts, such as bumpers. It is these parts of the car that often suffer during operation.

Some insurers classify them as attachments and require a certificate from the traffic police to repair them, while others can quite easily compensate for this damage under a simplified insurance payment scheme.

How to get money?

Whether it is profitable to agree to repairs under CASCO at the direction of the insurer or to demand payment in cash depends on the insured event.
For example, for minor damage, it is more advisable to agree to monetary compensation .

How can you get money instead of repairs? To receive compensation in cash equivalent, when notifying the insurer of the occurrence of an insured event, this must be indicated in the application.

If the policy does not provide for the right to choose the form of compensation, the decision is made by the insurance company.

Is this always possible?

When concluding an agreement, you can significantly save on the cost of the policy by choosing as compensation only repairs at service stations with which the insurance company has an agreement.

In the future, this option does not imply the possibility of receiving funds. Therefore, ideally, the terms of the policy should provide for an alternative.

Then you can act depending on the circumstances, choosing the fastest and most profitable option for yourself.

In case of total damage to the car or its theft, the insurance company always compensates for the damage in money .

Moreover, in the second option, the value of the remaining property suitable for sale is deducted from the total insured amount (or the remaining balance is transferred to the insurer).

If deadlines are missed

It is possible to receive monetary compensation instead of repairs if the insurance company violates the repair deadlines specified in the contract.

In accordance with the Resolution of the Plenum of the Supreme Court of the Russian Federation No. 20 dated June 27, 2013. In such circumstances, the policyholder has the right to entrust the work to third parties or to carry it out independently, and then demand reimbursement from the insurer for the costs of restoring the vehicle.

Judicial practice in this matter depends on the region.

Often the courts are content with the calculation of an independent expert and do not require the provision of documents confirming the repair of the car, but in some cases it happens differently.

It is advisable to familiarize yourself with judicial precedents in advance and, if necessary, repair the car at your own expense, keeping the contract, receipts and other evidence of the work performed.

Is cash compensation always beneficial?

Which option for receiving compensation is ultimately more beneficial for the policyholder? It all depends on the circumstances. Repair should be preferred in the following cases:

1. The car is under warranty and will be repaired by an authorized dealer.
2. The policy specifies the condition of providing a cash payment taking into account depreciation.

You should agree to monetary compensation under the following circumstances:

1. The damage caused by the accident is minor and the vehicle is drivable.
2. The insurance company has a conflict with the service where repairs are planned to be made. This often happens if the insurer delays agreeing on the list of works or does not transfer money to the service station on time.

Repair period according to comprehensive insurance

Since comprehensive insurance is voluntary insurance, the repair period under comprehensive insurance is not defined by law. The provisions of the Civil Code of the Russian Federation and the Law on Insurance indicate that the conditions for compensation for damage, including the timing of repairs under comprehensive insurance, must be determined by the insurance contract or insurance rules. There is a Regulation on the maintenance and repair of vehicles, approved in 1992 by Order of the Ministry of Industry. The data in this document can be used by car owners who have received a referral for repair work at the insurer’s service station, unless other terms are specified in the comprehensive insurance contract.

Maximum term

The regulations of the Ministry of Industry provide comments on the timing of repair work for domestically produced vehicles, indicating the maximum allowable time for restoration, which depends on the type of damage. Thus, engine repair should not exceed 2 days, body paint, taking into account the removal of old paintwork - no more than 15 days, actions related to tinsmithing and welding work - no more than 20 days. The longest period - 50 days - is given for complex tinsmithing and welding work with complete painting of the car.

Article 20 of the Consumer Rights Law states that the maximum period for troubleshooting should not exceed 45 days. If an additional agreement was concluded between the parties to the contract regarding the timing of car repair work, but the process is delayed due to the lack of necessary parts or other reasons, then this cannot serve as a basis for revising the originally established deadline and releasing the company from liability to its client .

From an official dealer

Repairs under comprehensive insurance from an official dealer usually do not exceed 30 days and, depending on the complexity of the damage received in an accident or other situation, can be reduced to 1-14 days. The client has the right to receive reports from the car service about the progress of work and the time spent on restoring certain parts.

This is also important to know:
What is the warranty period for repair and construction work by law?

If, after completing all restoration work, the car owner finds unrepaired defects, the service station, in accordance with paragraph 2 of Article 314 of the Civil Code of the Russian Federation, is obliged to eliminate them within the next 7 days.

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From an unofficial dealer

Under the terms of some insurance contracts, repairs under comprehensive insurance may be carried out by unofficial dealers. Sometimes an organization issues a referral to an unofficial dealer, circumventing the terms of the contract. This decision may be motivated by the fact that the official dealer uses only original spare parts for repair work; sometimes they are not available and you have to waste time waiting for their delivery.

For the most part, informal situations do not arise. During their work, they can also use non-original parts, which will be economically beneficial for the insurer, because the cost of such parts is lower. Often in such situations, work is delayed, since such service stations do not have the proper technical equipment and highly qualified specialists. Despite this, the period cannot be longer than 45 days established by the consumer rights law.

If it's your fault

If the comprehensive insurance policy and insurance rules provide for the risk of damage to the car due to the fault of the car owner and repair work of damaged property in a car service can be used as compensation, then the work is carried out within the same time frame - no more than 45 days. If an accident due to the fault of the car owner is not an insured event under the contract, then he will be denied insurance payment and a referral to a service station, because the insurer will have no reason to fulfill his obligations.