The legislation requires the injured party in a road traffic accident to contact the insurer as soon as possible after the moment of the accident. The maximum period is established by the Government of the Russian Federation, it is fifteen working days from the day of the accident.
Many drivers are confused by the absence in federal legislation of specific deadlines for applying to an insurance company to receive insurance compensation after a traffic accident. The relevant federal law only says that the party injured in such an accident, when intending to use its own right to receive compensation, must contact the insurer as soon as possible from the moment of the accident.
The shortest time frame is an evaluative concept, so unscrupulous insurers can use it to unjustifiably refuse to issue funds. Nevertheless, the specific deadlines for the appeal are fixed in the bylaws.
What is the maximum term for contacting an insurance company?
The main bylaw in this area is the Government Decree of 07.05.2003, No. 263. This document specifies that the maximum period for contacting the insurer is fifteen working days from the moment of the incident itself. It should be borne in mind that it is this period that is considered the shortest in the sense in which this concept is used in federal legislation, which is specifically indicated by the said resolution. The transfer or direction during the said period of the application and other documents to the insurance company indicates the intention of the victim to use his own right to receive insurance compensation.
How to calculate the term for contacting an insurance company?
The above maximum period for the victim's appeal to the insurer is calculated according to the general rules established by civil law for calculating the terms. The course of the fifteen-day period begins on the next day from the moment of fixing the traffic accident. At the same time, this period does not include weekends, holidays.
It should be noted that the victim can send the necessary documents in the form of a regular letter, which is especially important for those cases when the division of the insurance company is absent in a particular locality. In this case, the appeal is considered filed at the moment at which the corresponding letter arrived at the post office, from where it is sent. The fifteen-day period ends at twenty-four hours of the last working day that falls on it.
