Alfa insurance application for insurance compensation CTP form. Sample application for insurance compensation after an accident alpha insurance

Complete refusal to testify may not be in your favor. If you feel that at the moment you are not able to think calmly, ask the inspector for a few minutes to calm your feelings.

It is unacceptable to sign an empty sheet on which the inspector, under the pretext of haste, promises to draw a diagram later.
It is necessary to involve witnesses - all passengers of the injured or guilty car, if they saw the circumstances of the incident, are legally witnesses. Witnesses have the right to write their explanations about what happened, and the participant in the accident has the right to demand that their explanations be attached to the documentation considered during the analysis by the traffic police, the investigation and the trial.

Application for insurance payment for OSAGO - sample

South-East AD: 170-95-74, 911-09-36, 178-61-88.
Eastern AD: 166-78-77, 169-42-30, 166-43-30, 375-16-00.
Northeast Autonomous District: 903-09-62, 187-65-36, 971-22-88.

Traffic police on special highways:

Department No. 1 - 291-60-76.
№ 2 - 945-75-85.
№ 3 - 938-27-19.
№ 4 - 951-55-31.
№ 5 - 246-02-77.
№ 6 - 241-48-57.
№ 7 - 414-47-47.
№ 8 - 219-07-92.

What to do if your vehicle has been stolen

If there are victims and you are able to provide all possible assistance to them, it is necessary to provide this assistance. Because for inaction, i.e. Leaving in danger is a criminal offence.
Under no circumstances should vehicles be moved from the place they stopped at the scene of the accident.

An insured event has occurred

Information about the vehicle of the guilty party (brand, model, registration number, other information).
Details of the motor vehicle citizen of the person responsible for the accident.
Information about damaged property. If we are talking about a car, then you need to specify the serial state number, VIN code, make and model.
Possibility of delivery of the damaged vehicle for examination.
Desired method of compensation.
The list of expenses associated with the evacuation, storage of a broken car.

Where is the application submitted? Depending on the situation, the application must be submitted to:

the company specified in the Europrotocol agreement,
a company that provides insurance services to the person responsible for the accident.

Note! The direct method of indemnification, which is implemented through your own insurance company, does not deprive you of the right to receive indemnification from the insurer of the responsible party.

Did you have an accident

What to do if an accident occurs

Turn on emergency lights.
Post an emergency stop sign.
Call the round-the-clock dispatch service at one of the following numbers: +7 495 788 0 999 (Moscow and Moscow Region), 8 800 333 0 999 (other regions).
Provide the following information: number insurance policy, full name or name of the organization of the insured, date, place (street, house number), time and circumstances of the accident.

Our dispatchers will help you properly coordinate your actions at the scene of an accident, call an emergency commissioner if necessary, ambulance or tow truck.
At the scene of the accident, the emergency commissioner:

Insurance policy number.
The brand of the car and its state number.
Date, time and place of the theft (garage, parking, from home, etc.).

Sample letter to an insurance company in case of an accident

Law "On OSAGO" in Art. 6., where it is said that it makes no sense to count on a refund if:

there were expenses caused by damage to the health of a person who carried out labor activity (a citizen must be insured),

As a result of an insured event, the driver must perform the following steps:

Alpha insurance

Additional Documents Additional documents must be submitted with the application. The rules of compulsory insurance provide for the following list:

a copy (hand over) + original (provide for review) the passport of the victim,
passport + power of attorney of a third party, if a representative acts on behalf of the injured citizen,
documents for the car, it can be a registration certificate, title, lease agreement,
consent of the guardianship authorities, when compensation is due to an incapacitated person (age up to 18 years, restriction of rights in court),
bank account statement, if a refund is required.

The application together with a package of supporting documents is the basis for compensation for damage from the accident.

How to apply for an insurance claim

To do this, you need to fill out an application form, which is approved by each insurance company. A standard sample document, the rules for filling it out will be proposed below.

use of a moving vehicle,
there are at least two parties involved in the accident,
the driver has an insurance policy that is not expired at the time of the accident.

Note! When a person was injured when the driver opened the car door in the parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case.

Application for an insurance claim

time, date and place of the accident,
how the accident was recorded,

A sample of filling out an application for an insured event under OSAGO Download an application form and a sample filling for AlfaStrakhovanie.
Renaissance insurance Insured event under CASCO Forms Application for an insured event under CASCO and the scheme of the incident To be completed for any incidents, except for the theft or theft of a vehicle. Form Example Application for theft or theft of a vehicle To be completed in case of theft or theft of a vehicle.

Form Application for payment of compensation It is filled in addition to the application for an insured event, if you want to receive compensation for damage in money, and not in repairs. Form Application for Cancellation of an Insured Event Provided if you decide for any reason to cancel a previously declared insured event.

Form Sample power of attorney for the right to represent the interests of the owner of the vehicle in the insurance company. It is provided if the insured event is not declared by the owner of the vehicle.

Sample application for an insured event alpha insurance

Notify us within 30 days. Use the following notification methods: call tel.

for regions 8-800-333-0-999. Submit the required documents for payment.

Moscow, st. Shabolovka, d. 31, p. If disability was established as a result of an injury, an extract from the medical history must be provided.

45 OSAGO rules, upon receipt, which the insurer is obliged to inspect the vehicle within five days).

There is no strict form approved by the rules or the law; each insurance company independently created its own application form. "In the Rules for compulsory insurance”(PP RF 263) and the OSAGO law (40 FZ), it is also not prohibited to submit an application by mail or in any other way. Sample statement of claim to OJSC AlfaStrakhovanie for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value.

The decision to send for repairs was made on February 2, 2019, i.e. already in a week. I was repaired by the service station of Service 34 LLC (Volga-RAST on Mamaev Kurgan).

Many thanks to the insurer for making a decision quickly and without delay, even though the traffic police inspector did not indicate all external damage in the accident certificate. I recommend it to others and I myself will contact AlfaStrakhovanie in the future!

Example "Application for insurance payment“submitted to the Insurer along with a full set of documents (according to the inventory), if the documents are in insurance company were not submitted before the inspection, but the Insurer was summoned for inspection in a proper manner by telegram (see the telegram form on the website).

Telegram - is an Application (which must be submitted to the insurer in accordance with clause Sample Statement of Claim against AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid compensation for OSAGO and the Loss of Commodity Value.

Payment of diavitol in ampoules instruction of insurance compensation by payment Money or replacement of the insurance payment (insurance indemnity) with the provision of property similar to the lost property, or the issuance of a referral for repairs within the framework of the organization and payment by the insurer against the insurance indemnity for the repair of a damaged vehicle and / or additional equipment, is made after receipt from the insured (beneficiary, insured persons) all documents requested by the insurer within 15 working days for the risks of DAMAGE, DAMAGE TO ADDITIONAL EQUIPMENT.

Documents for payment must be sent to the insurance company at the address: 115162, St.

Alfa insurance payout

Now the clients of IC Alfa-Insurance will be able to personal account on the company's website to find out the status of the appeal to the insurer.

In remote mode, you can see at what stage the consideration of the case of the insured event is and when compensation is planned to be paid. A sample statement of claim to AlfaStrakhovanie OJSC for the recovery of the difference between the unpaid insurance indemnity for OSAGO and the Loss of commodity value.

Get paid

Notify us within 30 days.

Use the following notification methods: call the unified contact center: 8 800 333-84-48 (daily from 08:00 to 20:00, call within Russia is free), Provide the necessary documents for payment.

Documents for payment must be sent to the insurance company at the address: 115162, Moscow, st. Shabolovka, 31, building

Application for an insured event under the OSAGO policy

In each situation, the possibility of paying insurance compensation is determined individually. However, there is a list of situations in which payment will be denied. These include (laws):

proven guilt of the driver. Only the injured party can count on receiving compensation,
damage caused by vehicles not specified in the insurance policy,
compensation moral damage and/or lost profits,
harm to the health of citizens working on employment contract and insured separately,
damage caused by cargo that must be insured individually,
environmental pollution,
causing harm during competitions, training rides or tests,
causing damage during loading and unloading operations,
compensation for damage to antiques and other unique items.

In the event of an insured event, the driver must:

Application form for payment

A copy of the policy of the culprit of the accident (if any). 5. Conclusion of an independent technical expertise* (drawn up in accordance with applicable law: vehicle inspection report, damage calculation, photo tables, expert documents), confirming the amount of compensation required by the victims (original or copy certified by a notary public or by an expert organization that conducted the expertise). * The conclusion of an independent technical expertise must comply with the requirements of the Regulation of the Bank of Russia No. 432-P

"On a unified methodology for determining the amount of expenses for restoration repairs in relation to a damaged vehicle"

Regulations of the Bank of Russia No. 433-P "On the rules for conducting an independent technical examination of a vehicle."

5.1. To reimburse the payment for the services of an independent expert, services for the evacuation and storage of damaged property, original documents (bank payment, cash receipt or numbered receipt) confirming payment for these services are provided.

Application for PES OSAGO - direct compensation for losses

Guilt can be established by mutual agreement, and traffic police officers, special independent experts, and so on can also be involved to identify the culprit of the accident.

If both drivers have a valid OSAGO policy, and the insurance company is not deprived of a license to issue OSAGO insurance.

To make an application and receive an insurance payment, the applicant will need the following documents:

Europrotocol (if it was drawn up).
Technical passport or certificate of registration of the vehicle.
Driver's license.
Passport (if the vehicle owner is an individual) or company registration certificate (if the vehicle owner is entity).
Any document proving ownership.

Drawing up an application for direct compensation for losses under OSAGO

You can do this in the shortest possible time via the Internet.

the driver's insurance company at the time of the accident is not deprived of a license for compulsory auto insurance.

If the insurer no longer has the right to sell OSAGO policies, then in order to compensate for the damage, it is necessary to contact the union of motor insurers. This organization does not have the right to engage in direct payments for insured events. Direct damages are not allowed if:

the European protocol is incorrectly filled out, which is the main document when registering an accident without calling the employees of the State traffic inspectorate or there are disagreements between the protocols of the culprit and the victim,
at least one of the conditions established by law is not observed (),
the damage to the car was caused as a result of participation in competitions or while learning to drive.

Application for insurance payment for OSAGO - sample

6., where it is said that it makes no sense to count on a refund if:

the damage was caused by a car that did not have an insurance policy, there was compensation for lost profits, the damage occurred during competitions, tests, training driving, bad weather conditions occurred, the damage occurred during the transport of goods insured individually, expenses incurred due to damage to the health of the person conducting the labor activity (the citizen must be insured), it is proved that one of the drivers is guilty (compensation is provided only to the victim), there was compensation for damage to antiques.

As a result of an insured event, the driver should take the following steps: Stop the car.

Sample application for insurance compensation accident alpha insurance

Attention But only if the fact is revealed after receiving the insurance.

Timing The injured person must notify the company that an insured event has occurred.

This is done within a five-day period from the moment of the incident.

Free throughout the Russian Federation Ask a question

1. General Provisions
2 What does the application form include?
4 Timing
3 Where is the application submitted?
5 Additional documents

General Provisions In accordance with the OSAGO rules, the party injured as a result of an accident has the right to receive compensation for material damage. Info To do this, you need to fill out an application form, which is approved by each insurance company.

What types of accidents are covered by the OSAGO policy?

Pay compensation after an accident is made after submitting an appropriate application to the insurance company with supporting documentation. However, before making such a statement, there are many related points that you need to be aware of.

Consider the signs on the basis of which the situation is considered insurance:

The vehicle is in service.

Attention! If damage vehicle occurred when the door was opened while the car was stationary, no compensation for damage is provided.

There is a victim and a culprit in the accident, that is, two (or more) cars took part in the accident. If the culprit of the incident is not identified, then compensation is not paid.
Both drivers must have insurance. If one of the participants in the accident does not have an OSAGO insurance policy, then the basis for recovery will be suit, filed in court.

Specific cases where payment from insurance compensation will not be produced approved by government decree in the Law "On OSAGO" in Art. 6., where it is said that it makes no sense to count on a refund if:

the damage was caused by a car without an insurance policy,
there was a compensation for lost profits,
damage occurred during competitions, tests, training driving,
there were bad weather conditions,
damage occurred during the transportation of goods insured individually,
arose expenses caused by damage to health a person who worked (a citizen must be insured),
it is proved that one of the drivers is guilty (compensation is provided only to the injured),
there was compensation for damage to antiques.

IN as a result of an insured event The driver should follow these steps:

Stop car. Exception: the culprit left the scene as he was taking an injured person to the hospital.
Document the incident. The Europrotocol is drawn up by a police representative or a driver, subject to certain conditions.
Submit the accident documentation to the insurer. The accident must be reported within seven days. This condition is specified when purchasing insurance.

What kind of data is needed?

Form The application requires the following information to be included in the document:

the name of the insurance company where the document will be transferred,
Full name or name of the legal entity that suffered,
the address where the victim is registered,
Full name of the authorized person and all details of the power of attorney,
time, date and place of the accident,
characteristics of the damage received,
nuances of the accident that may be relevant to obtaining compensation,
how the accident was recorded,
information about the car of the culprit of the event,
information about the property of the injured person who suffered,
the possibility of transporting the car to where the examination will be carried out,
additional expenses after an accident (if the car was evacuated, etc.),
preferred way to receive insurance benefits.

A sample of filling out an application for an insured event under OSAGO

For example, an application is submitted to the Guta-Insurance company. The person who transmits it is Petrov Ivan Vasilyevich, who lives in the city of Moscow. The accident happened on May 25, 2011. The event took place at 14:00. The accident happened on Planet Street. The perpetrator of the incident ran into a standing car of the injured person. The incident was recorded by traffic police officers. The damage was caused by Ilya Nikolaevich Sidorov, who was driving a Peugeot. His insurance contract was concluded with the Spassky Gate organization.

A Volkswagen car owned by the applicant suffered from the collision. The car affected by the collision can independently arrive at the place where the examination will be carried out. Additional costs No.

All these data must be reflected in the application (there are specially designated lines for filling them out).

Important! Application for payment under OSAGO signed by the applicant and the competent specialist who accepts the documents for their consideration.

What papers to attach?

Documents proving the fact of the accident must be attached to the application.

According to the rules of compulsory insurance, you should attach:

A certified copy of the passport of the driver who is counting on insurance compensation.
If the applicant is a person acting under a power of attorney, then it will be necessary to submit a copy of the representative's passport and a copy of the power of attorney (it is important that this document is valid).
Papers for the vehicle (PTS, registration certificate / leasing agreement).
Details of the recipient (they are needed when there is a need for receipt of insurance payment under OSAGO).
Certificate of accident (if police officers were involved in resolving the issue).
A completed notice (if traffic police officers were not called to the scene of the accident).
Copies of the decision and protocol on administrative legal violation.
Refusal to initiate criminal proceedings.

If a person’s health has suffered as a result of an accident, then the following must be provided:

certificate from the ambulance (if the ambulance provided assistance at the scene of the accident),
a certificate from a medical institution (if the victim himself went to the doctor),
the conclusion of the medical board, if the injured person has partially lost the opportunity to work.

If the accident caused death of the victim, then it follows demand compensation payment under OSAGO in case of death. It is important to provide:

copies of the death certificate,
papers proving the fact of the funeral expenses,
a statement illustrating information about the family of the deceased,
birth certificates of children
certificates from institutions involved in the education of children,
certificates from structures providing assistance to the population in matters of social protection.

Who should apply for an insurance claim?

To obtain OSAGO insurance payments, you must submit an application to one of the following structures:

to the insurance company with which the contract for compulsory auto insurance was previously concluded (if the accident was documented by the European Protocol),
to the insurance organization of the culprit of the road accident, if the accident was registered by the employees of the automobile inspection and the damage was caused not only to property, but also to the health of the victim.

Deadlines for submission and consideration

If an insured event has occurred, the insurance company must be notified within a 7-day period.

It is possible to notify the insurer:

personally, by visiting the office of the insurance company,
by calling the company's phone number,
by filling out a special form offered on the website of the organization.

After the insurer has been notified of the accident, the victim has 5 days (if an accident happened within the city limits) or 15 days (if the accident occurred far from the city limits) to collect the required package of papers.

For your information! If the victim failed to invest in term for payment of insurance compensation, the insurance company has the right to refuse compensation.

After the insurer checks the papers, the place and exact time for the experts to assess the damage are assigned. The assessment should be made within 20 days from the date of submission of the papers.

After doing all the above steps insurance organization within a 20-day period must make an insurance payment.

Summing up

Summing up, it can be argued that the insurance payment for compulsory motor insurance is carried out on the basis of a written application and papers confirming the fact of the occurrence of an insured event.

Correctly expressing a claim to the insurer for compensation for harm is only half the battle. It is also important to comply with all the terms prescribed in the law, and not violate the clauses of the insurance contract.

Watch the video: How to write an application to the insurance company? (January 2020).

Complete refusal to testify may not be in your favor. If you feel that at the moment you are not able to think calmly, ask the inspector for a few minutes to calm your feelings.

It is unacceptable to sign an empty sheet on which the inspector, under the pretext of haste, promises to draw a diagram later.
It is necessary to involve witnesses - all passengers of the injured or guilty car, if they saw the circumstances of the incident, are legally witnesses. Witnesses have the right to write their explanations about what happened, and the participant in the accident has the right to demand that their explanations be attached to the documentation considered during the analysis by the traffic police, the investigation and the trial.

South-East AD: 170-95-74, 911-09-36, 178-61-88.
Eastern AD: 166-78-77, 169-42-30, 166-43-30, 375-16-00.
Northeast Autonomous District: 903-09-62, 187-65-36, 971-22-88.

Traffic police on special highways:

Department No. 1 - 291-60-76.
№ 2 - 945-75-85.
№ 3 - 938-27-19.
№ 4 - 951-55-31.
№ 5 - 246-02-77.
№ 6 - 241-48-57.
№ 7 - 414-47-47.
№ 8 - 219-07-92.

What to do if your vehicle has been stolen

If there are victims and you are able to provide all possible assistance to them, it is necessary to provide this assistance. Because for inaction, i.e. Leaving in danger is a criminal offence.
Under no circumstances should vehicles be moved from the place they stopped at the scene of the accident.

An insured event has occurred

Information about the vehicle of the guilty party (brand, model, registration number, other information).
Details of the motor vehicle citizen of the person responsible for the accident.
Information about damaged property. If we are talking about a car, then you need to specify the serial state number, VIN code, make and model.
Possibility of delivery of the damaged vehicle for examination.
Desired method of compensation.
The list of expenses associated with the evacuation, storage of a broken car.

Where is the application submitted? Depending on the situation, the application must be submitted to:

the company specified in the Europrotocol agreement;
a company that provides insurance services to the person responsible for the accident.

Did you have an accident

What to do if an accident occurs

Turn on emergency lights.
Post an emergency stop sign.
Call the round-the-clock dispatch service at one of the following numbers: +7 495 788 0 999 (Moscow and Moscow Region), 8 800 333 0 999 (other regions).
Provide the following information: insurance policy number, full name or name of the insured organization, date, place (street, house number), time and circumstances of the accident.

Our dispatchers will help you properly coordinate your actions at the scene of an accident, if necessary, call an emergency commissioner, an ambulance or a tow truck.
At the scene of the accident, the emergency commissioner:

Insurance policy number.
The brand of the car and its state number.
Date, time and place of the theft (garage, parking, from home, etc.).

Application for insurance payment for OSAGO - sample

Rosgosstrakh LLC was notified about the place and time of the inspection. Your representative was invited for inspection by a telegram dated 10/26/2016, which is confirmed by the corresponding mail notification. According to Expert opinion No. 111 / K-16 dated 10/30/2016, the cost of restoring a Chevrolet Aveo car, taking into account the wear and tear of replaced parts, amounted to 34,755 rub.

82 kopecks. According to Conclusion No. 111 / K * 16 on the amount of loss of commodity value dated October 30, 2016, the value of the TCB was 6684 rubles. 00 kopecks. The cost of assessing damage from an accident and calculating the TCB amounted to 5600 rubles. 00 kopecks, which is confirmed by a receipt dated October 30, 2016. Postage costs amounted to 343 rubles. 40 kopecks, which is confirmed by the check of the Federal State Unitary Enterprise Russian Post dated October 26, 2016. Thus, the amount of damage from an accident subject to insurance compensation on the basis of the Civil Code of the Russian Federation and the Federal Law "On OSAGO" is: ,40=47383 rub.

Sample letter to an insurance company in case of an accident

Law "On OSAGO" in Art. 6., where it is said that it makes no sense to count on a refund if:

the damage was caused by a car that does not have an insurance policy;
there has been compensation for lost profits;
damage occurred during competitions, tests, training driving;
bad weather conditions have occurred;
damage occurred during the transportation of goods insured individually;
there were expenses caused by damage to the health of a person who carried out labor activity (a citizen must be insured);
it is proved that one of the drivers is guilty (compensation is provided only to the injured);
there was compensation for damage to antiques.

As a result of an insured event, the driver must perform the following steps:

Stop car.

Alpha insurance

Additional Documents Additional documents must be submitted with the application. The rules of compulsory insurance provide for the following list:

a copy (hand over) + original (provide for review) the passport of the victim;
passport + power of attorney of a third party, if a representative acts on behalf of the injured citizen;
documents for the car, it can be a registration certificate, title, lease agreement;
consent of the guardianship authorities, when compensation is due to an incapacitated person (age under 18, restriction of rights in court);
bank account statement, if a refund is required.

The application together with a package of supporting documents is the basis for compensation for damage from the accident.

How to apply for an insurance claim

To do this, you need to fill out an application form, which is approved by each insurance company. A standard sample document, the rules for filling it out will be proposed below.

Attention

Compensation is due in the event of an insured event. The category of insurance includes situations of using vehicles, as a result of which the health or property of the injured party has suffered. Signs of an insurance situation:

use of a moving vehicle;
there are at least two participants in the accident;
the driver has an insurance policy that is not expired at the time of the accident.

Note! When a person was injured when the driver opened the car door in the parking lot (the car was not moving at the time of the incident), the insurance company is not responsible in this case.

Application for an insurance claim

the name of the insurance company where the document will be transferred;

Full name or name of the legal entity that has suffered;
the address where the victim is registered;
Full name of the authorized person and all details of the power of attorney;
time, date and place of the accident;
characteristics of the damage received;
nuances of the accident that may be relevant to obtaining compensation;
how the accident was fixed;
information about the car responsible for the event;
information about the property of the injured person who suffered;
the possibility of transporting the car to where the examination will be carried out;
additional expenses after an accident (if there was a car evacuation, etc.);
preferred way to receive insurance benefits.

I am insured under OSAGO. I had an accident. I am the injured party. Do I need to contact the company at fault or can I contact my insurance company?

If you are an injured party as a result of an accident, then you need to contact your insurance company for compensation for damage under OSAGO, this is a direct compensation for losses (DCL). In this case, 3 conditions must be met (depending on the date of the accident):

The accident occurred before September 26, 2017:
1. in an accident, only vehicles were damaged (people or other property were not injured);
2. The accident occurred as a result of a collision of only two vehicles (the trailer is considered part of the vehicle);
3. both participants have active policies OSAGO.

The accident occurred after September 26, 2017:
1. * in an accident, only vehicles were damaged (people or other property were not injured);
2. * The accident occurred as a result of a collision between two or more vehicles (the trailer is considered part of the vehicle);
* all participants in the accident have valid OSAGO policies. If at least one of the conditions is not met, then for damages it is necessary to apply to the company of the culprit.

What is the deadline for submitting an application for payment of insurance indemnity?

An injured person who intends to exercise his right to an insurance benefit is obliged to notify the insurer of the occurrence of an insured event as soon as possible.

At the same time, the term limitation period for claims arising from the liability risk insurance contract for obligations arising as a result of causing harm to life, health or property of other persons, is three years.

I am the victim of an accident that occurred through the fault of your client. Where can I go to apply for a payout?

I am a client of AlfaStrakhovanie JSC. I had an accident in which I was recognized as a victim. I would like to apply to my insurance company for insurance compensation. Where can I go to apply for a payout?

You can get up-to-date information about the location of all document acceptance points and their work schedules around the clock. free number AlfaStrakhovanie JSC 8 800 333-0-999 / 0999 (from mobile phone) or 8 495 788-0-999 (for Moscow and the region), as well as on our website

What documents do I need to submit to the insurance company in order to receive an insurance payment under OSAGO?

To receive reimbursement under OSAGO, you will need the originals of the main documents and documents about the accident from the traffic police, if the accident was documented with the participation of the traffic police. The application can be written by the owner of the vehicle or a representative by notarized power of attorney, with the right to receive insurance compensation and represent the interests of the owner in the insurance company.

List of main documents:
1. Notice of an accident, completed and signed by both participants on the front side. On the reverse side, the participant fills out his copy of the notice.
2. Vehicle registration certificate or vehicle passport
3. RF passport of the applicant.
4. If the insured event is not declared by the owner of the vehicle, then a notarized power of attorney is required, with the right to represent the interests of the owner and receive compensation (for individuals)
5. Bank details for reimbursement payment (PERSONAL ACCOUNT, CURRENT ACCOUNT, CORRESPONDENT ACCOUNT, BANK BIK, BANK TIN, BANK NAME) (for individuals)
6. OSAGO policy and payment document confirming the payment of the policy
7. Documents of the traffic police, if the accident was registered with the traffic police (more detailed information in clause 6)

For legal entities, additionally required:
8. The applicant's power of attorney for the right to represent the interests of the owner in the insurance company, certified by a seal.
9. Authorization letter for damages, certified by the seal and signature of the authorized person.
10. A copy of the contract or other document confirming the rental, leasing or rental of the vehicle.

What are the requirements for filing an accident report?

Documents about the accident
1. Decision on the case of an administrative offense (additionally, a protocol on an administrative offense, if drawn up) or a ruling on the refusal to initiate proceedings on an administrative offense. offense
2. Appendix to the above documents, if it was drawn up.
3. In case of causing harm to life/health, a protocol of the place where adm. offenses.
4. Please note that the traffic police documents must contain information about:
* Vehicles involved in the accident (brands, models, state registration plates, and in their absence, VIN);
* drivers (last name, first name, patronymic, place of residence);
* OSAGO insurance policies (series, number, name of the insurance company);
* list of visible damage to vehicles.

Attention! In accordance with the OSAGO rules, drivers of vehicles involved in an accident are required to fill out accident notification forms, regardless of whether the documents are processed by police officers.

According to the Vienna Convention on Road Traffic, as amended on 28.09.2004, for documents containing information in the national language of the state, a written translation of documents certified by a notary is required.

In some cases, the list of documents may depend on the civil law relations between the victim and the tortfeasor.

How long does it take to pay insurance compensation under OSAGO?

Within 20 calendar days from the date of submission of the full package of documents and the vehicle for inspection to the insurance company.

What form of reimbursement is provided?

In accordance with federal law"On compulsory insurance of civil liability of vehicle owners" No. 40-FZ under contracts concluded after 04/28/2017: Insurance compensation for damage caused passenger car owned by a citizen and registered in Russian Federation, is carried out (except for the cases established by paragraph 16.1 of this article) in accordance with paragraph 15.2 of this article or in accordance with paragraph 15.3 of this article by organizing and (or) paying for the restoration repair of the damaged vehicle of the victim (compensation for damage in kind).

Payment in cash can be made if there is an agreement in writing between the insurer and the beneficiary.

Where can I get a calculation of the cost of repairing a vehicle (calculation)?

For information about possible way to receive a calculation of the cost of repairing a vehicle (calculation) for a declared loss or a copy of the act of an insured event under OSAGO, you need to call 8 800 333-0-999 (toll-free within Russia) or 8 495 788-0-999 (for Moscow and areas).

I heard that small accidents can be registered without the participation of traffic police officers. In what cases is this possible and will I receive an insurance payment?

You may not call the traffic police if the following circumstances exist simultaneously:
1. The accident occurred as a result of a collision of only two vehicles;
2. In an accident, only the vehicle was harmed, i.e. the life/health of people has not been harmed and other property has not been damaged (fence, garage, chipper, etc.);
3. Liability of both participants is insured.

Both participants in the accident are obliged to send their copy of the Accident Notice to their insurance company within 5 working days in any way that confirms the delivery.

Important!
For accidents that occurred since October 1, 2019:

If there is no disagreement:

up to 400 thousand rubles
up to 100 thousand rubles- without fixing the circumstances of the accident in the mobile application "Accident. Europrotocol" / GLONASS

In case of disagreement:

up to 100 thousand rubles- the circumstances of the accident were recorded using the RSA mobile application "Accident. Europrotocol") or GLONASS technical means of control.
EP is not possible- if there is no fixation of the circumstances of the accident by technical means of control (mobile application of the RSA "Accident. Europrotocol")

up to 100 thousand rubles- there are no disagreements between the participants in the accident, or the circumstances of the accident are recorded and transferred to the AIS OSAGO system using a mobile application or technical means of control (GLONASS devices) and there are disagreements between the participants in the accident;
up to 400 thousand rubles- there are no disagreements between the participants in the accident, the accident occurred in Moscow (or the region) or in St. Petersburg (or the region) and the circumstances of the accident were recorded using technical means of control (GLONASS devices)

Where should I call for advice?

For advice, you can use the round-the-clock free telephone number of the contact center of AlfaStrakhovanie JSC 8 800 333-0-999 / 0999 (from a mobile phone) or 8 495 788-0-999 (for Moscow and the region).

AlfaStrakhovanie is a large financial company that offers profitable products to its customers. Thanks to the policy, you can receive payment in the event of an insured event.

Let's consider how the loss adjustment procedure takes place and what the client needs to do in order to receive a guaranteed payment.

Any insured event must be recorded. This will allow you to quickly receive a compensation payment. How the loss is registered is prescribed in the insurance rules of the product that the client draws up.

You can download the rules on the official website of AlfaStrakhovanie or get it at the office when concluding an agreement. To get a mini-instruction on the official portal, you will need:

1. Go to the official website of AlfaStrakhovanie.

3. Select customer status: natural or legal person and case by product.

4. Read the instructions.

If for some reason it is not possible to study the rules, then the client can always call the service specialist: 8-800-333-09-99 and +7 495 788 0 999.

What to do in the event of an insured event:

Capture the event through the appropriate service. For example, for accident insurance, you should contact medical institution, while in an accident in the traffic police.
Obtain official confirmation of the occurrence of an insured event. It must contain the date, personal data of the insured and the nature of the event.
Prepare the necessary documents with which to apply to the office.

It is also worth noting that in the event of an insured event, you can always contact an employee of the company free of charge through mobile app, get the necessary information and record the case online.

"AlfaStrakhovanie" - Submission of an application for an insured event: OSAGO and CASCO

For getting compensation payment the insured event must be properly recorded. Let's consider how to correctly apply to IC AlfaStrakhovanie.

Loss settlement procedure in the office:

. It should be borne in mind that in most cases the insurer prescribes the term of application in the rules. Special attention should be paid to this. You can write an application at the office where the claims settlement department is represented.

. The company is ready to accept the application only after receiving the full package of documents. The application form template is provided by the insurer. You will need to specify: personal and passport data; registration address according to the passport; contact coordinates; type and number of the contract; the nature of the insured event; details for which you want to receive payment. As for the details, the insurer is ready to transfer funds only to a card or account that is opened in the name of the beneficiary under the contract.

. At the end of the visit, each client receives a copy of the application, with a mark of acceptance. If you have not provided all the documents, you will need to apply again and only then receive a copy of the application.

. After the acceptance of the last document, the insurer has no more than 30 days to transfer funds according to insured event to your client.

What documents are needed in case of an insured event?

As mentioned earlier, when contacting the office, you will need to have full package documents. List of documents:

policyholder's passport;
a passport and a notarized power of attorney, if another person or a lawyer is in charge of receiving the payment;
insurance contract and, if available, a receipt confirming payment;
documents confirming the occurrence of an insured event;
bank statement with card or account details.

It should be noted that depending on the type of contract and the nature of the insured event, an authorized specialist of the claims settlement department may request additional documents.

In what cases is the denial of insurance payment?

In practice, many clients are denied payment. At the same time, in most cases, the AlfaStrakhovanie insurer refuses for legitimate reasons. Consider them:

violation of the deadlines for contacting the office in order to write an application;
not provided a complete package of documents;
the case is not insured;
the insured provided false information when issuing the policy;
fraud has been identified.

In order to be guaranteed to receive a payment, you should carefully study the rules before signing the policy. Particular attention should be paid to the section "Exclusions from insurance". It states when the insurer has the right to refuse legally.

AlfaStrakhovanie - Illegally refused to pay, what should I do?

If, after studying the rules, it became clear that the insurance company refused illegally, it is worth defending your rights.

This will require:

contact the insurer;
request a written reason for the refusal;
receive an official response;
prepare a pre-trial claim against the insurer;
receive a response and payment.

If, after submitting a pre-trial claim, AlfaStrakhovanie refused, then you should:

draw up a claim;
attach a refusal and a pre-trial claim;
go to court.

As practice shows, the court makes a decision, taking into account not only the internal rules of insurance, but also the general norms of the law.

Summing up, it can be noted that in order to receive an insurance payment, the client must correctly write an application, visit the office in a timely manner and present all the documents. If the requirements of the insurer are violated, you can get a refusal to receive monetary compensation.