In recent years, with the massive introduction of compulsory civil liability insurance of vehicle owners, disputes constantly arise between insurers and car owners about compensation for the loss of the market value of vehicles. Indeed, a car that has been in an accident, even repaired, loses significantly in its market value.
Instructions
Step 1
You will be able to recover the loss of the market value (TCV) of the car only if it is recognized as new. This status is enjoyed by domestic cars that rolled off the assembly line no more than 3 years ago, and foreign cars that have not turned 5 years from the date of manufacture. Claims in this regard have a three-year limitation period.
Step 2
Conduct additional independent expertise that will assess the loss of market value. To carry it out, the results of an independent examination will be required, which assessed the damage caused to the car as a result of an accident. To assess the TCB, a repeated inspection of the car is not required, therefore, the repairs made are not an obstacle to its implementation. The cost of an additional examination is low - from 1,500 to 2,000 rubles. You only need to send a preliminary notification to the insurance company of the person guilty of the accident and indicate the time and place of the examination at the TCB. Send the notification by telegram or bring it to the company yourself.
Step 3
Having received the results of the expert assessment on TCB, send an application to the insurance company, in which you state the requirement to reimburse TCB and the costs of paying for the services of the expert organization. According to the Compulsory Insurance Rules, the company is obliged to make a decision on your application within 15 days from the date it was received. She can partially or completely satisfy him or refuse, but at the same time refer to the reasons for the refusal. Most often, on a voluntary basis, insurance companies are in no hurry to pay compensation, so if you are refused, you will have to go to court.
Step 4
Prepare a statement of claim to the court and attach certified copies of documents to be obtained from the traffic police. Fill out all the necessary package of documents for the number of parties, pay the state fee and go to court.
