In the event of an accident resulting in damage, you must first contact the insurance company. Competent behavior and knowledge of legal norms will help to prove the case and achieve full compensation for damage to property.
Instructions
Step 1
The insurance company least of all wants to reimburse money for each insured event, and therefore it is necessary to act carefully and calmly. It should be understood that insurers will try to do everything possible to reduce the amount of payments and delay the timing of their implementation.
Step 2
When registering an insured event, first make copies of all the documents that must be provided, since company employees often lose them, and the restoration of a particular certificate can take a rather long period of time.
Step 3
Conduct all negotiations with insurers personally, conclude all agreements in writing. If you need to send documents by mail, send them by registered mail with notification. In the event that the employees of the insurance company deny the fact of receiving the necessary papers, you will have written evidence that the package of documents was nevertheless received.
Step 4
Be more persistent when conducting damage assessment activities. If you are not satisfied with the quality of the examination carried out by the insurer, you have the right to be assessed by an independent expert company. The insurance service is obliged to accept documents drawn up in the course of a third-party examination. Company employees should carefully examine them to find out the total amount of damage.
Step 5
Do not enter into conflict with insurers and be patient if you cannot wait for a response from them for a long time - according to the law, the term for making a decision on an insured event can be up to 30 days. Refusal to pay should be fully motivated and announced in accordance with the articles of the law on appraisal activities and federal appraisal standards.
