The insured car owner may have several reasons to terminate the OSAGO insurance contract. It can be the sale of the "iron horse", and the refusal to drive for an indefinite period, and the change of the insurer. But how to terminate the above agreement correctly and in accordance with the law? There are several steps to “close” the OSAGO agreement and receive the compensation due to the car owner.
It is necessary
- insurance contract
- contacts of the service insurance company
Instructions
Step 1
Contact the servicing insurance company After the car owner has clearly formulated the reason for terminating the contract, he must contact the selected insurance company and notify it of his decision.
Step 2
Write a statement to terminate the contract The statement can be written in free form, so to speak "from yourself", or in the form provided by the insurance company, depending on the requirements of the organization. The insurer is obliged to consider the application within ten days. But it is worth remembering that when calculating the refundable compensation, the day of receipt and registration of the application and the period during which the insurance contract should have been still valid is also taken into account.
Step 3
Go to court or to PCA if the insurance company refuses to terminate the contract If the insurance company refuses to accept the application and pay compensation, the car owner can go to court or the Russian Union of Auto Insurers, where the unscrupulous insurer will be subject to severe sanctions. Any calculation and each termination of the CMTPL agreement is carried out in accordance with the Civil Code, the Car Insurance Rules prescribed in the CMTPL agreement, as well as various federal and regional Regulations that relate to the sphere of car insurance.
Step 4
After reviewing the application and the positive decision of the insurer, the car owner is invited to the office of the insurance company to receive a payment, which can be up to 77% of the insurance premium that the client paid when concluding the insurance contract. As a rule, 23% are not returned, because 20% of them represent the costs of the insurer for the conclusion and maintenance of the OSAGO agreement, and 3% are the insurer's contributions to the Union of Motor Insurers. 77% is not the final amount, the final calculation will depend on the period during which the client's car was insured. That is, the longer the insurance contract has been in effect, the less payment the client of the insurance company will receive upon termination of the relevant contract.
