Many drivers believe that by concluding an insurance contract CASCO, they protect themselves from all road accidents. When it comes to receiving a payment, they often face an unpleasant surprise – the insurer refuses to indemnify. There may be many reasons for this, but some of them are more common than others – and in order to protect yourself from such troubles, it is better to know about them in advance.
The main reasons for refusals to pay hull insurance
Refunds are most often refused if:
- · Vehicle damage can be attributed to normal wear and tear. This reason for refusal, perhaps, causes the greatest bewilderment among motorists. We are talking about minor and minor damage (for example, chips in the paintwork or subtle scratches on the glazing). It would seem that there is damage, and compensation should be relied on for it, in addition, in the auto insurance contracts, CASCO usually does not mention separately that such cases are not covered by it. However, minor scratches and chips are considered a natural result of the operation of the machine, that is, a predictable event – while an event considered as an insurance risk, by definition, should be indicative of an accident. Therefore, even if the contract promises compensation in such cases, the insurer will still be able to refuse it, because this is contrary to insurance legislation;
- · There is no required set of documents. Insurers usually indicate in detail which documents and certificates are needed in different cases – a complete list can be found in the rules of the insurance company. Unless you need to pay attention to the fact that the edition of the rules corresponds to that indicated in the policy;
- · The car owner did not contact the claims department on time. Each insurer has its own rules on how soon and how the client must report the accident and file a claim for damages. If the deadline is not met, this gives the company an excuse to refuse payment. For the driver, the main thing here is to have confirmation of the fact of the appeal, so it is preferable to do this in writing
- · The driver was under the influence of alcohol or drugs at the time of the accident, or left the scene of the accident.
All of these listed circumstances are the most common causes of problems that car owners face when making payments under CASCO.
Source: Все материалы – Московский Комсомолец by www.mkivanovo.ru.
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