Insurance indemnity - the amount that the insurer pays against damages to the insured property.
In practice, it happens that the insurer refuses to pay in full the claimed insurance indemnity or to make a partial payment. See what are the most common causes and how to avoid them:
1. The small and / or large coupon is in the car
One of the common mistakes is that some drivers keep the ticket inside the car. It often happens that the small or large coupon is stolen together with the vehicle. Both coupons must be present in the list of required documents for the payment of insurance indemnity in case of theft. If you cannot provide them, this is a sure reason for full or partial refusal by the insurer.
2. Failure to comply with the deadline for notifying the insurer in the event of an insurance event
In different insurance companies, the period in which you must notify the insurer of the occurrence of an insurance event is different. It is specified in the general conditions of your insurance "Auto Casco". Failure to meet the deadlines may lead to a refusal to pay compensation.
3. New inspection for repaired damage to the car
An obligatory condition for any insurance company is that the car is inspected when taking out Casco insurance (for someone, one is not required, but only when renewing the insurance, without interruption in the same company). The insurer takes a picture of the car and draws up a report in which it describes damages, if any. According to the General Terms and Conditions of the insurance, the insurer is not obliged to pay compensation for damages, which are described in the inspection report. When repairing damage to the car at your expense (whether described in the inspection report or new) you must go to the insurer for a new inspection. A new protocol is being prepared, which reflects the repaired damages to the car.