In the event of damage to the car, you should apply for the payment of insurance compensation to your own insurance company. Previously, you should write a statement to the police for those citizens who scratched the car, receive documentary evidence of the initiation of a case or refusal to initiate it.
If any citizens scratched a personal car belonging to the owner, refuse to pay money for its damage, then the only option is to receive insurance compensation. Insurance companies often refuse to pay any funds in such cases, citing the impossibility of establishing the circumstances under which the vehicle was damaged.
That is why, immediately after finding scratches, the car owner should write a statement to the nearest police station about damage to the car. If specific persons are known who scratched the car, then it is necessary to indicate their data, and in the absence of such information, write about unidentified persons.
What to do after filing a police report?
After submitting an application to law enforcement agencies, you should immediately go to the insurance company, where an application for the payment of insurance compensation is filled out. Within a few days, the law enforcement agencies will issue an order refusing to initiate a criminal case, which will be sent to the applicant.
This decree will set out the actual circumstances in which the vehicle was damaged, which will allow the insurance company to argue its own position. Immediately after receiving the order, you should attach a copy of it to your own claim for the payment of insurance indemnity. After that, the insurer is obliged, with the involvement of the car owner, to assess the damage caused to the car, to pay insurance compensation based on the results of such an assessment.
What to do in case of disagreement with the amount of insurance compensation?
Often, car enthusiasts disagree with the amount of insurance compensation that the company establishes based on an internal assessment of the damage to the vehicle. In this case, it is necessary to involve representatives of the insurer to undergo an independent examination, the results of which can be used to collect the amount of insurance compensation in court.
The main point for any car enthusiast in such a situation is a timely appeal to the internal affairs bodies, which should follow immediately after the discovery of scratches on the car. Only in this case can we talk about the correct recording of the circumstances under which the offense was committed.
