How to receive a cash payment under MTPL instead of repairs? Terms and procedure

"Ingosstrakh" - list of documents for receiving payment

Above are only the application forms required to apply for insurance products or receive compensation. However, the client will need additional documents to receive payment from Ingosstrakh. Their list depends on the specific program. In this regard, it makes sense to consider each case separately.

"OSAGO"

In the event of an insured event, it is necessary to record the incident using a camera or video camera, and then inform the insurer about it. Among the documents that a citizen may need:

Notification of an accident (link to the form is located above).
European protocol, if registration took place without calling the traffic police officers.
Certificate in form 154 (from 2021 - a resolution to initiate an administrative case).

The damaged vehicle should be placed at the disposal of one of the company's employees or an authorized service center. The amount of compensation will depend on the established assessment of damage.

"CASCO"

Unlike OSAGO, under CASCO the policyholder himself can receive money. To do this, he needs to prepare the following documents:

notice;
certificate from the traffic police, protocol;
resolution on an administrative offense (if such a document existed);
papers for the vehicle (certificate or PTS);
the rights of a citizen who is driving at the time of an accident;
passport of the person acting as the applicant.

If necessary, an insurance company employee may request additional documents. This is a legal requirement and should not be ignored.

"Travel Abroad"

If a citizen had to pay for treatment at a foreign medical institution on his own, he will be able to receive compensation after returning home. To do this, you need to prepare the following package of documents:

An application describing the insured event (can be downloaded from the insurer’s website).
Policy.
Documents indicating the diagnosis.
Doctor's prescriptions, checks, receipts, hospital bills.
Referrals for laboratory tests.

If the client used transport companies (for treatment), the corresponding invoices must be provided. Original travel documents will also be required. To receive funds, you must provide the details of the bank account to which the money will be transferred.

"Property"

First of all, you should notify the insurance company employees about the incident. The notice posted above is used for this purpose. The client is given 5 days to fill out and send the document (to the company’s email). Next, you need to collect the following documents:

Application for insurance payment.
A certificate or resolution from the competent authority involved in eliminating the consequences of the insured event (fire, hydrometeorological service, police).
Insurance policy (copy).
Property documents confirming the applicant’s ownership rights.
Personal passport.

The property must be inspected by one of the insurance company's employees. The decision on payments is made only after the damage has been recorded by this specialist.

"Mortgage"

If something happens to the property, the same papers are provided as in the previous case. In the event of an insured event related to the life and health of the borrower, you must submit:

Insurance policy.
Notice.
Request for payment.
Passport or other document that confirms the identity of the person applying.

You will also need papers that confirm the occurrence of an insured event. It is recommended to check the list with one of the insurance company employees. It directly depends on the nature of the incident.

If a citizen has lost ownership of the mortgaged property (due to delays or other factors), he will have to provide a loan and insurance agreement, a passport, a copy of the claim related to the loss of this right, and a court decision. The insurer may require additional paperwork.

"Accident"

In the event of an accident, a citizen must notify the insurer of its occurrence within 30 days. This can be done by phone or email. Next, you will need to collect a package of documents consisting of the following papers:

insurance contract;
notice;
application with bank details;
passport or other document that confirms the identity of the person applying.

You will also need to provide a document confirming the occurrence of an insured event. This, for example, could be a certificate from a medical institution with a specified diagnosis and a list of therapeutic measures that were used in relation to the insured person.

"Tick bite"

First of all, the policyholder should remember that you cannot pay for the services of medical institutions yourself until you receive permission to do so from the insurer (except in emergency cases). If this issue has been agreed upon, the request for monetary compensation must be submitted along with:

An agreement concluded with the hospital where the policyholder was treated.
A copy of the license of this medical institution.
Prescription for drugs.
Receipts from the hospital and pharmacy.

Only that part of the funds indicated in the provided receipts and checks will be compensated. Therefore, it is important to retain these documents during therapy.

"OSOPO"

In the event of an event at a hazardous production, it is necessary to report the incident to Ingosstrakh employees. Injured workers must collect the following documents to receive benefits:

Application (download link is above).
Identification.
Documents confirming the fact of injury in a hazardous workplace, as well as containing data on the severity of the injuries.

If a relative applies for compensation instead of the victim, you will need to submit documents proving the existence of the relationship. Such persons may also require a power of attorney.

How to receive payment in lieu of repairs under the law?

Important! Didn't receive an answer to your question? Our expert lawyers work for you. It's absolutely free!

Only practicing traffic lawyers
Anonymously
For free

or call toll free number 8
✖

So, payment in cash instead of repairs under OSAGO is possible if certain conditions are met. Let's talk about them in order!

If repairs cannot be completed within 30 days

Part 15.2 of Article 12 of the Federal Law “On Compulsory Motor Liability Insurance” tells us that vehicle repairs cannot exceed 30 days. The period is counted from the date the car is provided for repairs until its actual completion, when you can take the car back.

In some cases, the actual period may exceed this, which the service workers inform the driver about. For example, if the necessary supplies will take a long time, but they still need to be replaced and/or painted.

In this case, the insurance company may offer an agreement to extend this period. Your task in order to receive payment in money is to disagree. Then the insurer will not have the right to repair.

If the nearest car service partner is more than 50 km away

According to the rules (the same part 15.2 of Article 12), the maximum distance of the service center should not be more than 50 km from your place of residence or from the scene of the accident. If the partner is further away, then your right to receive payment, not repairs. But under one important condition - the insurance company refuses to pay for the delivery of the car to a remote service, because it still has the right to repairs if it organizes delivery or pays for it.

Each insurance company is required to display a list of partner services on the website, and also provide the victim with a choice when applying.

If there is no official dealer in the city

A more specific condition must be met for owners of cars no older than 2 years - by law they must be repaired only by official dealers (15.2, Article 12). If there is no official dealer in your city, and the insurer does not express a desire to pay for transporting the car or pay for travel to the dealer’s service, then demand payment in cash.

If it's not your car that needs to be repaired

If we are not talking about a car at all, then there can be no talk about repairs. For example, the injured party is a passenger whose phone was broken during an accident. In this case, there must be payment in money (Part 16, Article 12).

The same applies to the things of the driver or pedestrian, bicycle, not related to the vehicles that were damaged.

If after an accident the victim died or received moderate or severe harm

According to Part 16.1 of Article 12 of the Federal Law “On Compulsory Motor Liability Insurance”, it is also possible to receive payment under Compulsory Motor Liability Insurance (MTPL) in cash instead of repairs after an accident if the victim died as a result of the accident or suffered moderate or severe harm to health.

If the victim is disabled

In cases where the victim is a disabled person for whom the car is specifically indicated for health reasons, then there can be no talk of repairs either (Part 16.1 of Article 12).

If the guilt is mutual

In cases where mutual fault in an accident is determined, then compensation for harm occurs as a percentage of the fault. Insurance companies are given the opportunity to offer an additional amount for repairs to the victims (and partly the culprit of the accident) in such cases (Part 17, Article 12), because the insurance company is not obliged to compensate for the entire repair.

But if the victim in such an accident does not agree to pay extra, then the insurance company is obliged to pay compensation in money for the accident, only the payment, of course, will be a percentage proportional to the degree of innocence in the accident (clause “e” of Part 16.1 of Article 12).

If the vehicle is a truck

Part 15 of Article 12 says that if we are talking about trucks owned by citizens of the Russian Federation, then the victim has the right to choose whether to receive payment under compulsory motor liability insurance in money or repairs.

"Ingosstrakh" - where to submit documents about an insured event?

The written application, along with other documents, is submitted to one of the insurer's claims offices. To find a suitable branch, you can use the official website. You need to do the following:

Go to the Ingosstrakh (ingos.ru).
At the top of the page, select the city of your current stay.
Click on the “Offices” button located at the top right.
Select “Search Settings”.
Uncheck all the boxes except the “Loss Settlement” field.
Choose an office that is closest to the company’s client.

When choosing a branch, you should familiarize yourself with the services it provides. Not all settlement points work with property and travel insurance programs. Some offices provide compensation under CASCO, but not under MTPL.

Thus, insurance clients can download sample applications for compensation payments from the official website of the insurer. A list of forms that will be useful to users is listed above. Such requests must also be accompanied by additional documents. Their list depends on specific circumstances. The entire package is submitted to the IC settlement office.

Where to go in case of an insured event?

To receive money after an accident you need not only to have the right to it, i.e. receive damage due to the fault of the insurance owner, but also follow a certain procedure. What to do in the event of an accident is described in detail on the Rosgosstrakh website:

You need to notify the insurer about the accident in a timely manner.
Call the traffic police (if required), exchange contacts with other participants.
Next, you need to write a written statement about the insurance event and provide the car for inspection.
Collect a package of certificates and copies, and submit a package of documents to receive compensation within the time limits established by the insurance policy.

A list of about three hundred service stations with which Rosgosstrakh cooperates is available on the website. There is a table showing the name of the station, the region and the exact address where it is located, the maximum period of work, the brands of cars being repaired and the status of the organization (dealer or not).

For example, in the Moscow region you can get a referral for refurbishment at PeGas-Motors, STC TechStar and many others.

In order to qualify for funds, the applicant must meet the following requirements:

During a traffic accident, the victim's car must be in motion. For example, if a vehicle was damaged in a parking lot while another driver was opening his car door, you will not be able to receive compensation by filing a claim. The question of whether an incident is an insured event is decided individually for each individual case.
An application for compensation is prepared in a situation where two or more cars were involved in an accident, and the culprit has been identified. If the citizen who caused the accident fled the scene of the accident, there is no point in filing a statement until the identity of the culprit is established.
Having a compulsory motor liability insurance policy is a mandatory condition, especially in relation to the culprit. That is, the victim will be able to claim compensation through an application only if the second driver is insured. When the insurance period expires, as well as in the absence of it, it will not be possible to recover funds for repairs from the insurance company. Compensation for damage is only possible through litigation with the culprit of the incident.

If all conditions are met and there are no obstacles, you can begin collecting documents and writing an application.

Algorithm of actions

After an accident occurs, you need to immediately call the traffic police (if the accident is serious) and Rosgosstrakh. You can report an insured event not only by phone, but also by going to the insurer’s website in the “Notify about an insured event” section. The insurer offers a unique opportunity to report an accident online.

An application for an insurance event is written within five days. Another 15 days are given to collect papers and submit them to the company. Without documents confirming the fact of the accident and the damage caused, payment cannot be made. These deadlines are mandatory not only for Rosgosstrakh clients, but also for everyone else, since they are provided for by the relevant law.

A car that has been in an accident must be provided for inspection and examination. The results are documented in writing and signed by the insurer, the expert technician and the owner of the vehicle.

The insurer refuses to pay or part of it if the repair of the damaged property was carried out before the inspection and examination and does not allow reliably to establish the existence of an insured event and the amount of losses to be settled. Therefore, there is no need to rush to start repairs. It is better to coordinate your actions with the company as much as possible.

This is the first thing that is filled out after you arrive at the insurance company. There is a pre-approved form that you only need to fill out, indicating: contacts of the victim, date, place of the accident, cause, policy number (yours and someone else’s), bank details for the transfer. The application is signed personally by the victim or his beneficiary. A description of the circumstances of the accident, as well as the desired method of receiving compensation (for example, paying for repairs at a service station) must also be indicated.

You can find out more about the instructions for filling out an application for compulsory motor liability insurance at Rosgosstrakh insurance here.

A package of documents is attached to the application. Their list depends on the type of damage caused. If after the accident there are no persons who have health problems, then, of course, there is no need to provide certificates from the clinic. And vice versa - if the victim received abrasions or bruises, but the car was not damaged, then calculating the costs of its repair and examination of the damage is not necessary.

The victim will be required to:

Statement.
Certificate of registration, VU.
OSAGO policy.
Certificate of road accident in the established form, notification of road accident (if required).
Copy of the passport.
A copy of the administrative violation protocol.
Certificates from the clinic (if someone was injured), death certificate (in the event of the death of the victim).
Certificate of income from work to determine compensation for temporary disability.
Bank details.

All documents are compiled into a package and given to the insurer against signature. The insurer prepares an insured event report based on available documents, where it calculates the insurance payment.

If a decision is made to refuse, the victim is also informed about this within the prescribed time frame.

What documents should I attach?

According to the OSAGO Rules (chapter 3, clause 3.10), documents must be attached to the application proving the occurrence of an insured event; in this situation, this is a certificate of an accident from the traffic police in form 748 and a notification of an accident filled out by both drivers involved in the incident. In addition, you must provide the following documents:

A copy of the applicant's passport. It is advisable to have it certified by a notary, but an insurance agent can also do this.
If the application is submitted by a proxy, a copy of the representative’s passport and a power of attorney are attached.
Vehicle registration certificate or passport.
If monetary rather than in-kind compensation is planned, the recipient's details are needed.
A copy of the protocol and resolution on the administrative violation.
If an assessment examination was carried out, its conclusion is attached.
Refusal to initiate criminal proceedings.

If harm is caused to human life and health, according to the MTPL Rules (Chapter 4, Clause 4.1), the following is additionally attached to the case:

A certificate from an ambulance if the victim received medical care on the spot.
If the driver went to a medical facility later, medical documents are required.
In case of temporary loss of ability to work, a medical examination report is attached.

If the victim requests compensation for lost income due to disability, a certificate reflecting the average income is provided. If it is necessary to pay for treatment expenses (medicines, health procedures, prosthetics), receipts and a doctor’s opinion are required. If there are no supporting documents, the insurance company has the right to refuse payment.

What does it mean to make amends?

Compensation under compulsory motor liability insurance is a compensation payment to a driver injured in a traffic accident by the insurance company of the person responsible for the accident. Damage is paid for damage to property or harm to human life and health. Currently, there is no need to immediately go to court. It is enough to send an application to the insurance organization and receive compensation in due time.

The payment restrictions are as follows:

400,000 rubles in case of property damage (each victim can claim this amount).
500,000 rubles in case of harm to human life and health.
475,000 rubles in the event of the death of the victim, compensation is received by children (dependents) and close relatives involved in the funeral.
50,000 rubles is the limit on the amount of compensation if the Europrotocol has been drawn up. Although the unlimited Euro Protocol came into force in 2014, the amount under it reaches 400,000 rubles, but it is only possible to obtain it if you provide the insurance company with evidence that satisfies the insurer’s requirements.

Filling out the document

At the beginning of the document we write the addressee: the name of the institution to which the application is being submitted, the position of the head and his last name, first name and patronymic.
Then detailed information about the insured is entered: the name of the enterprise, its constituent details: registration number in the Social Insurance Fund, subordination code, tax identification number, checkpoint, legal address.
Next, enter the amount that is required for compensation (in numbers and words), as well as the specific reason.
After this, the form includes information about the bank details of the recipient company.
Finally, the application is signed by the responsible employees: the director and the chief accountant.

It is not necessary to certify the application using a seal or stamp - from 2021 this must be done only if the standard for the use of stamped products is enshrined in the internal regulations of the company.

The application is written in two copies, one of which is submitted to the social insurance fund, the second, after being endorsed by a representative of the Social Insurance Fund, remains in the hands of the employees of the applicant organization.

Where is it served?

The victim is obliged to inform the insurer about the incident immediately (if possible).

After registering an accident and preparing all documents, the injured party can submit an application:

to your insurance company (registration of an accident using a European protocol);
in the Investigative Committee of the guilty party (when registering an accident by a traffic police officer).

Please note that a European protocol can only be drawn up if only 2 vehicles were involved in the collision, there were no casualties and no other property was damaged. Signatures of both parties are required.

Attention! Before submitting an application and inspecting the damaged car by an employee of the insurance company, you cannot change anything on the car (make repairs, dispose of parts or break off damaged parts).