Vsk road accident osago. Insured event VSK how to apply for comprehensive insurance

On August 15, 2017, there was an accident involving something I owned. vehicle, which I am not the culprit of. By submitting an application for an insured event on 08/16/2017 to JSC "VSK" at the address: st. Druzhaeva 2, I was offered two options for insurance compensation: restoration repairs or insurance payment taking into account wear and tear, choosing last option I indicated it in the application in the appropriate column. After which, on the same day, an initial inspection was carried out and Inspection Report 1 was drawn up, then I was assigned an additional inspection of hidden damage and troubleshooting of the car at a service station on 08/17/2017 11:00 at the address: st. Druzhaeva, 2. I arrived at the specified time for troubleshooting and additional inspection, and the service station billed me 1,320 rubles for troubleshooting. 00 kop. under work order agreement No. XX00104400, which was paid by me in cash.

In accordance with an independent assessment of the damage organized by JSC "VSK", which took place in two stages (initial inspection, hereinafter referred to as Inspection Report 1 and inspection of hidden damage, hereinafter referred to as Inspection Report 2) caused to my vehicle, the amount of damage is: cost of expenses for restoration repairs RUB 309,780. 00 kopecks, and in the case of an insurance payment by issuing the amount of the insurance payment to the victim (beneficiary) at the insurer's cash desk or transferring the amount of the insurance payment to the bank account of the victim (beneficiary) (cash or non-cash payment) 191,709 rubles. 00 kop. Since the final cost estimate for restoration repairs did not include a number of items from Inspection Report 1 and Inspection Report 2, and according to a preliminary independent assessment of the damage to my car as a result of this accident, there were grounds for distrust of the independent assessment of damage organized by JSC VSK, by me I independently organized an independent examination at MEYUK LLC, expert opinion No. 0031/17, during which it was established that the amount of damage caused to my vehicle was: the cost of restoration repairs was 408,062 rubles. 00 kopecks, and in the case of an insurance payment by issuing the amount of the insurance payment to the victim (beneficiary) at the insurer's cash desk or transferring the amount of the insurance payment to the bank account of the victim (beneficiary) (cash or non-cash payment) 260,804 rubles. 50 kopecks

Guided by the Federal Law of April 25, 2002 N 40-FZ (as amended on March 28, 2017) “On compulsory insurance of civil liability of vehicle owners”, Article 12 points:
16.1. Insurance compensation for damage caused to a passenger car owned by a citizen and registered in Russian Federation, is carried out by issuing the amount of the insurance payment to the victim (beneficiary) at the insurer's cash desk or transferring the amount of the insurance payment to the bank account of the victim (beneficiary) (cash or non-cash payment) in the case of:
e) if the cost of restoration of the damaged vehicle exceeds that established by subparagraph "b" of Article 7 of this Federal Law the insurance amount or the maximum amount of insurance compensation established for cases of registration of documents about a road accident without the participation of authorized police officers, or if, in accordance with paragraph 22 of this article, all participants in the road accident are found responsible for the damage caused, provided that in these cases, the victim does not agree to make an additional payment for the repair of the service station;

Guided by the above articles and taking into account the results of an independent examination at LLC MEYUK, expert opinion No. 0031/17, agreement dated 08.23.2017 No. 0031/17, during which it was
It was established that the amount of damage for restoration repairs was 408,062 rubles. 00 kopecks, we can conclude that according to the Federal Law dated 04/25/2002 N 40-FZ (as amended on 03/28/2017) “On compulsory insurance of civil liability of vehicle owners” Article 12 p 16.1 pp d), I, as a victim, have the right to an insurance payment, and not restoration repairs, since the insured amount in terms of compensation for damage caused to the victim’s property is more than 400 thousand rubles.

I believe that by failing to pay the insurance amount due to me, VSK JSC violated its obligations under the insurance contract and is now required to pay me in full according to expert opinion No. 0031/17 "MEYUK LLC" and in terms of the costs of defect detection and independent examination in "MEYUK LLC"

On August 21, 2017, I received a call from JSC VSK with a request to come to the address st. Druzhaeva 2 to resolve the issue of insurance payment. I was asked to sign an Agreement on the Settlement of an Insured Event, the amount of the insurance payment in which was 217,421 rubles. 00 kop. which I refused to sign. The insurer refused my application for the issuance of an insurance certificate and an inspection report for my car.

On August 24, 2017, I received a message on my mobile phone with direction No. 5,712,958 to repair my vehicle at Avtokom-Motors LLC.

On August 24, 2017, I applied to JSC VSK with a pre-trial claim, to which I attached an expert opinion of MEYUK LLC dated August 23, 2017, which was not taken into account, without any comments.

On September 11, 2017, a letter was received at the post office and contained a response to the claim. The response to the claim was accompanied by a direction for repairs with the agreed amount of repairs being 218,867 rubles.
The repair actions in it were changed, a number of elements were excluded unilaterally by JSC "VSK", regarding the inspection reports (the cost of restoration repairs according to these acts is 309,780
rub.) made by JSC "VSK", copies were provided earlier.

Currently, the insurance compensation has not been paid to me, the repair of my vehicle has not been organized. Considering that the insurance company deliberately delays consideration of the issue of payment of insurance compensation, unreasonably underestimating the amount of repairs, it has not yet taken measures to resolve this issue, I was forced to repeatedly contact insurance company and waste your working time.

I ran out of patience and filed a lawsuit in the COURT.
Loss 5455568

• stop immediately, turn on the hazard warning lights, put up a warning triangle (in the city - no less than 15 m, outside settlement- no less than 30 m). Do not move the car from its place, and do not move objects related to the accident.
• call the traffic police to the scene of the accident, if necessary, call the rescue service
• report the occurrence of an insured event to the VSK dispatch service by calling (495) 727-44-44 for Moscow and 8(800)775-775-1, 8(800)100-00-50 for calls within Russia (toll free) and Please provide the following information:
  - number insurance policy
  — Full name of the policyholder, make, model, state registration plate of the insured car
  — address and description of the incident
• VSK consultant will give all the necessary instructions for your further actions
• take all possible measures to preserve traces and objects related to the incident and organize a detour of the scene
• write down the names, telephone numbers and addresses of witnesses.
• together with another participant in the accident, fill out the OSAGO notice (blue form) and sign it. Pay attention to the accuracy of the information provided by another participant in the accident (insurance policy number, name of the insurance company, make, model and state number of the car). Give a copy of the accident notice to the other party involved in the accident.
• when drawing up the scheme of an accident and the protocol, demand that they reflect information that, in your opinion, is not taken into account. If you do not agree with the traffic police protocol, be sure to indicate: “I don’t consider myself a violator” or "I don't agree with...". Under no circumstances refuse to sign the protocol. Do not sign any other documents the meaning of which is not clear to you or with which you do not agree.

Documents required in case of an accident

• Written application for damages from the Policyholder, the Beneficiary, the Owner, the Insured or their heirs or their representatives, completed in the form prescribed by the Insurer;
• Identity documents the Policyholder (the Beneficiary) or a person who is the representative of the Policyholder ( Citizen's passport or driver's license).
• If the Policyholder is legal entity- when submitting an application, his representative must have a properly executed power of attorney with the Insurer on behalf of the Policyholder.
• Vehicle registration certificate and/or Vehicle passport.
• In the event that the Policyholder is not the owner of the vehicle - the current civil contract or notarized power of attorney from the owner of the vehicle, confirming the interest of the Insured in the preservation of the insured property.
• Waybill(for legal entities).
• Driver's license the person driving the vehicle at the time of the event.
• Insurance policy.
• Additional agreements to the policy (if any).
• If possible, a document confirming the fact of payment of the policy (insurance premiums).
• Notarized power of attorney for transfer Money in favor of an applicant who is not a Beneficiary.
• Letter of instruction from the Beneficiary, certificate of inheritance, bank details of the recipient of insurance compensation (if necessary).
• When registering an accident by traffic police officers:
  A certificate of a traffic accident and / or other document issued by the traffic police, which contain (each or in combination) information about the place, time and participants in the accident, the list and nature of damage to the vehicles of the participants in the accident, information about the violation or absence of violations of the traffic rules of the Russian Federation by each of participants in the accident, information about the direction of the participants in the accident for a medical examination, the name of the OSAGO Insurers of the participants in the accident and the numbers of the OSAGO agreements.
• Protocol on an administrative offense (except in cases where administrative liability for violation of clauses of traffic rules is not provided) OGIBDD.
• Decision on the case of an administrative offense or Determination in the case of an administrative offense or Resolution-receipt in a case of an administrative offense issued by the State Traffic Safety Inspectorate.
• The act of medical examination of the driver who drove the vehicle (if the driver was sent for a medical examination).
• Decision to initiate a criminal case or Decision to refuse to initiate a criminal case(if the accident had signs of a crime).
• Resolution to terminate the criminal case, issued by the Department of Internal Affairs (if a criminal case was initiated).
• Documents confirming the actual costs associated with the evacuation of the damaged vehicle:
  • For cash payments - Receipt-agreement on form BO-3;
  • For non-cash payments - Agreement for the provision of services, Certificate of completion of work, copy of payment order.

Just in case

• upon the occurrence of an event, immediately report the incident to the competent authorities:
  • From a landline:
    • 01 - Ministry of Emergency Situations, Fire Department
    • 02 - Traffic police, police department
    • 03 - Ambulance service
  • From a mobile phone:
    • 112 - for MTS subscribers
    • 112, 911 - for Beeline subscribers
    • 112, 020 - for Megafon subscribers
    • (495) 937-99-11 - through the Rescue Service
• contact the VSK dispatch service at (495) 727-44-44 for Moscow and 8(800)775-775-1, 8(800)100-00-50 for calls within Russia (toll free) to register the event and receive consultations on the required set of documents and further actions
• do not make promises or make offers of voluntary compensation for harm caused to third parties
• When receiving documents from the competent authorities, make sure that they contain:
  • information about the vehicle (make, model, state registration number)
  • date and place of the event
  • list of injuries received
  • information about the causes of the event and/or those responsible
• Before a VSK representative inspects the damaged vehicle, do not take measures to eliminate the damage or restore the vehicle.

Where to contact

It is advisable to submit a written application within 3 working days from the date of the insured event at any VSK settlement office convenient for you.

If you have a service card, you can submit an application by calling the emergency commissioner.

Insurance rules are a large, complex document. So that you can easily navigate it, our experts analyzed each point, wrote down the main thing and assessed the loyalty of the rules to customers. The higher the score, the greater the loyalty.

01

Sum insured

Sum insured – non-decreasable (by default)/decreasable (optional).

Quote from the rules

When concluding a contract, a reduced (aggregate) and non-reducible (non-aggregate) insurance amount can be established. Unless otherwise provided by the contract, the insured amount for the risk of “damage” is irreducible; for other risks – reduced.

If a contract is concluded on the terms of “incomplete property insurance”, the insured amount is always reduced.

02

Compensation for damage

Compensation for damages is paid without taking into account / taking into account wear and tear (optional).

Quote from the rules

Cash payment of insurance compensation in case of damage to the vehicle can also be made by one of the following methods of payment of insurance compensation:

• “According to the calculation without taking into account depreciation” - payment of the costs for the restoration of a damaged vehicle (DO) on the basis of an estimate (calculation) compiled by an expert of the insurer or an organization or an expert in the direction of the insurer, without taking into account the wear of replaced parts (assemblies, assemblies).
• “According to the calculation taking into account depreciation” - payment of the costs for the restoration of a damaged vehicle (DO) on the basis of an estimate (calculation) compiled by an expert of the insurer or an organization or an expert in the direction of the insurer, taking into account the wear of replaced parts (assemblies, assemblies).

03

Constructive death

Constructive death - 75% or more of the cost of the car.

Quote from the rules

If, as a result of damage to property, it is completely destroyed or cannot be restored, and also if, under the condition of “full property insurance” (clause 5.6 of the Insurance Rules), the amount of damage caused according to the estimate (calculation, including - calculation of an independent expert, prepared in accordance with paragraph 7.3.8.2.) or a preliminary order-order of the STOA is equal to or exceeds 75% of the sum insured on the date of the insured event, the insurance indemnity is determined by one of the following methods:

• in the amount of the sum insured for the relevant risk (aggregate of risks) as of the date of occurrence of the insured event minus the balances of the mentioned property suitable for further use (hereinafter referred to as the “useful balances”) and the deductible, if it is provided for by the insurance contract, while the usable balances remain at the disposal the policyholder;
• in the amount of the sum insured for the corresponding risk (aggregate of risks) as of the date of occurrence of the insured event, minus the deductible, if it is provided for by the insurance contract, provided that the insured (property owner) waives the right of ownership in favor of the insurer.

04

Wear rates

Wear rates - there is no description in the CASCO rules.

Quote from the rules

There is no description in the CASCO rules.

05

Deadlines for claiming damages

The deadline for submitting a written claim for damages is up to 2 working days.

Quote from the rules

06

Deadlines for filing a theft report

The deadline for submitting a written statement of theft is up to 2 working days.

Quote from the rules

The policyholder is obliged to submit a written application to the insurer in the form established by the insurer regarding the events specified in paragraphs. 4.1.1. – 4.1.9. – within 2 working days from the moment the policyholder discovers the fact of the occurrence of the mentioned event (or from the moment when the policyholder could and should have discovered it).

07

Deadlines for payment of compensation for damage

The period for payment of compensation for damage is up to 30 working days.

Quote from the rules

08

Deadlines for payment of compensation for theft

The deadline for paying compensation for theft is up to 30 working days after the end of the police investigation or legal process.

Quote from the rules

After the insured has fulfilled all obligations provided for in clause 7.3. Rules, other requirements of the Rules and conditions of the insurance contract related to the occurrence of an event that has signs of an insured event, including after submitting all documents provided for by the relevant risk (except for the risk of “Damage not confirmed by certificates”), the insurer considers the insured’s application within 30 working days from the date of receipt of the last document, but not earlier than the day the vehicle is presented for inspection to the insurer or its representative.

During the specified period, the insurer is obliged to make a decision on the event that occurred and perform one of the listed actions in accordance with the conditions provided for by the Rules and the insurance agreement (policy):

• issue a referral for restoration repairs to a repair organization (at a service station);
• make payment of insurance compensation in cash;
• send a reasoned refusal to pay.

The period for making a decision to recognize an event as an insured event is interrupted if the insurance payment, refusal of insurance payment or change in its amount depends on the results of proceedings in a criminal or civil case or an administrative offense case, or on a court decision - for the period until the end of the investigation or entry into force of the court decision.

Additional expert comments

In addition to the main risks, the following are paid:

• Costs for evacuation of a car (up to 3,000 rubles), including from another country (up to 3,000 euros).
• Damage mitigation costs.
• Costs for assessing the amount of damage.

Quote from the rules

The policyholder is reimbursed for expenses associated with the evacuation of a vehicle damaged as a result of an insured event (provided that the vehicle cannot move under its own power or its movement is prohibited by traffic regulations) from the scene of the incident to the nearest place of parking, storage or repair within the limits of: 5,000 rubles. – for vehicles of category A or B, 15,000 rubles. – for vehicles of other categories, with the exception of A and B.

In case of evacuation of a vehicle damaged outside the Russian Federation, and subject to agreement on the feasibility of such expenses with the insurer, the maximum amount of evacuation expenses reimbursed by the insurer is 3000 EURO in ruble equivalent at the exchange rate of the Central Bank of the Russian Federation on the date of evacuation (beginning of evacuation, if it lasted more than a day ).

The amount of reimbursed evacuation expenses may not have the specified limitations, provided that such expenses were incurred within the limits of the expenses specified in clause 8.6.2. Insurance rules.

Upon the occurrence of an insured event for any of the risks provided for Full rules CASCO (with the exception of the risks of “Government for damage to life and health” and “Gauge for damage to property”), the policyholder is also compensated for:

• Costs associated with payment for services to assess the amount of damage caused.
• Expenses to reduce the amount of damage caused and eliminate the causes that contributed to the occurrence of additional damage, including the cost of evacuating a damaged vehicle, the movement of which is impossible or prohibited by traffic regulations. The amount of indemnified expenses in any case cannot exceed 10% of the insured amount for the corresponding risk (total of risks).

Key exceptions:

• Damage to the exhaust system, protective panels, and underbody.
• Damage to tires and wheels (there are exceptions, see the quote for more details).
• Spot chips of the paintwork without deformation of the body.
• Damage to axles, transmissions, suspension.
• Chips and scratches on glass (no cracks).

Quote from the rules

Not paid:

• Spot chips of the paintwork without deformation of the body;
• Defects in glass elements in the form of chips or scratches without the formation of cracks;
• Damage to tires or wheels, with the exception of damage that led to a change in the geometry of the wheel or damage to elements of the vehicle body;
• Damage to exhaust system elements, protective panels, underbody, front and rear axles, transmission, suspension elements.

Important information

The client is obliged to immediately notify the insurance company in writing of any significant changes in the degree of risk.

Quote from the rules

The policyholder is obliged to immediately notify the insurer in writing in person or through any available means communication (including by facsimile or telegraph), or by mail (subject to mandatory prior notification by phone or e-mail to the insurer), of significant changes in material circumstances that have occurred during the term of the insurance contract, reported to the insurer upon conclusion of the contract in in accordance with clause 6.3. of the Insurance Rules, as well as other circumstances that may significantly affect the increase in insurance risk.

After the Insured fulfills all obligations, other requirements of the Rules and conditions of the insurance contract related to the occurrence of an event that has signs of an insured event, including after the submission of all documents provided for by the relevant risk, the Insurer shall consider the application of the Insured within 30 working days from the date of receipt of the last document, but not earlier than the day the vehicle is presented for inspection to the Insurer or its representative.

VSK insurance payments

VSK insurance payments provide for compensation as a result of theft, theft, robbery, natural disasters, fires. No exception and a traffic accident, from which no one is insured. Depending on the terms of insurance, the insurance rate is also set. After the incident, you must definitely call the authorized bodies (Ministry of Internal Affairs, traffic police and others), you will need their certificate and a copy of the protocol when submitting an application to the VSK.

Receiving insurance payments from VSK

All victims of the actions of this company should not expect payments. There is a precedent for more than a year of waiting, and this person never received the money. Promptly apply to the court as soon as you suspect that VSK wants to leave you without the money due.

Toyota HiAce №1 *Hard worker* › Logbook › Accident, insurance and payment from - VSK, repair

I was really shocked by his actions, but if he had not pressed the brake, the gazelle would have freely passed straight ahead without any problems, but the saiga, out of fright, pressed the brake on the slope and TURNED THE STEERING RIGHT TO THE RIGHT - really an IDIOT. To my words that in icy conditions there is a rule that is observed by almost all drivers: if you press the brakes in icy conditions, there will definitely be an accident. If he just did nothing, everything would be in chocolate. I just really had nowhere to get away from the collision, and here is the proof of this photo

Reviews about VSK (former name "Military Insurance Company")

We draw your attention to the fact that the MTPL Law does not provide for full compensation for the costs of restoring the damaged vehicle. The calculation is made based on average prices; accordingly, they differ significantly from the prices of an official dealer. It should also be noted that not a single regulatory document on compulsory motor liability insurance provides for the calculation of restoration repairs at official dealer prices.

What kind of feedback does VSK receive regarding compulsory motor liability insurance? Insurance company payments

The company has been operating in the insurance market of the Russian Federation for more than 15 years. Confidently calls himself one of the leaders in this field of activity. As confirmed by numerous reviews, VSK OSAGO ranks among the ten best companies in our country in terms of insurance fees and payments.

Reviews of the company VSK

At the end of last year, on December 23, I bought an e-OSAGO policy for my father on the VSK website, where I switched from the RSA website. The policy number is XXX 0022173039. The other day I needed to add a driver to my insurance, which became an almost insoluble problem. In your personal account on the VSK website it is indicated that you can buy a policy, you can view it, but everything else is not

VSK insurance payments

16.1. Insurance compensation for damage caused to a passenger car owned by a citizen and registered in the Russian Federation is carried out by issuing the amount of the insurance payment to the victim (beneficiary) at the insurer's cash desk or transferring the amount of the insurance payment to the bank account of the victim (beneficiary) (cash or non-cash payment) in case:

Insurance payments as a result of an insured event

After submitting all the necessary documents, the damage to the car after the accident will be assessed by an expert from the insurance company. Quite often a situation arises when the insurance payment after an accident turns out to be insufficient, and the car owner has to pay extra from his own “pocket”.

Our partner is VSK insurance house

Many car owners turn to the Military Insurance Company to protect themselves from the consequences of risks on the road. VSK Casco and VSK Osago policies purchased here provide many additional features and benefits that reliably protect you in unforeseen situations. At VSK you can insure your car against the consequences of vandalism and intentional damage by unauthorized persons, against any breakdowns and natural disasters. When contacting the VSK insurance company, clients know: they are always protected.

Vehicle insurance at VSK company

If harm was caused to health without death, then you must submit the following documents: an extract from the medical history, checks that confirm payment for treatment, checks that confirm payment and purchase of additional medications, and a medical report.

VSK reviews

I was insured with VSK under CASCO about 5 years ago. I remember that the insured event did not exceed the cost of insurance - they paid out immediately, without unnecessary conversations or hassle. It seemed that the guys were serious, we should rely on them. So I got insured again in 2012, but the following summer I got into a serious accident (head-on collision, the oncoming driver was at fault). According to official estimates, the repairs will cost around 200 thousand rubles. I still haven't seen the money! They motivate me with a lack of documents - they demand documents of the person responsible for the accident, which I do not even have the right to look at. What other options could there be besides court!? I'll serve it.

Insurance company VSK

Life insurance will help create a reserve in case of various unpleasant circumstances, it is a convenient and safe long-term investment, it will help provide education for children and retirement savings. Insurance payments on time are a convenient way of saving for the implementation of various long-term plans.

SOJSC "VSK"

Good afternoon We issued an MTPL policy, all documents and numbers were indicated correctly, even scans of new documents were sent. When we paid for the insurance, instead of a new driver's license serial number, it turned out to be an old one, although they filled in a new one. What to do, what to do? We contacted the support service and were told to contact the place of residence where the registration was made. When we arrived there, we were told that this was your problem, and whoever filed the questions asked. We submitted an application to the site to make changes, everything was sent as expected, but no one gets in touch. So they took the money and everything is like solve your problem as you want!? There is no help, no one comes to the meeting. AND THE INSURED PERSON WAS INCORRECTLY INDICATED, THE OWNER OF THE CAR IS INDICATED, AND I WAS NECESSARY TO NOT DISTURB THE ELDERLY PERSON.

How to sue the insurance company VSK

So, what to do if VSK decides not to pay? First of all, preparation: It is necessary to draw up and send a claim to VSK. This is necessary in order to record your claims to the insurance company and have a documentary lead for further proceedings.

In addition to the direct registration and purchase of insurance policies, the personal account of the VSK company allows you to report the occurrence of insured events, submit applications and attach the necessary documents online without visiting the office.

In order to submit an insurance claim online, you need access to your personal account. If you don't have it, register and log into your personal account using the instructions on the page.

In the top menu of your VSK personal account, find the item Insurance case and click on it. This will take you to the account page for settling insurance claims.

At the moment, the website offers only three categories of insurance for which you can apply online:

• health
• property
• rest

If any of the categories below fits your case, click on it. The page will open Remote settlement of an insured event. It has an even more specific list of types of insurance from the selected category. For these types of insurance, you can submit an application for an insured event and the necessary documents without visiting the office.

Select the appropriate type of insurance - a form will open with fields that need to be filled out. For example, to submit an online insurance claim for damage to household property, you must fill in the following fields:

• what kind of event occurred that caused property damage (for example, fire, explosion, failure of engineering systems, natural disaster, etc.)
• when did this event happen
• insurance policy number
• last name, first name and patronymic of the applicant, his date of birth
• applicant's residential address
• contact details (e-mail and phone number)

After filling out all the fields, you need to click the button Continue

Follow the same steps when filing claims for other categories of insurance.

The insured event does not fit into the categories of health, property and leisure - what to do?

For other categories of insurance cases, for example OSAGO or CASCO, VSK has not yet added the ability to submit an application through your personal account to your personal account. In this case, on the right side of the page Settlement of an insured event find the link What to do if an insured event occurs.

VSK company phone number for insurance cases

If you and you could not find answers to your questions. You can always call the free 24-hour number of the VSK insurance company to settle insurance claims: 8 800 775 775 1