The number of cars on the roads melted every day, а сними увеличивается количество дорожно-транспортные происшествия. В случае дтп водитель обращается в страховую компанию возмещения стоимости ремонта автомобиля. But what if there is no insurance? When accident victim without insurance CTP сможет или нет возместить ущерб? How to correctly behave in the event of a traffic accident?
assessment of damage
It has long been known, that insurers are in an accident with damages reduce the amount of payment for finding this bunch of reasons. At the first assessment, they significantly underestimate the cost of repair, relying on cheap hardware and labor costs. true, no one fully understands how they take such figures, which differ significantly from actual.
In this situation, the victim has the right to refuse the initial assessment, as a result is the second estimate, which, although greater, but does not meet the expectations of the victim. After that, maybe drawing up a claim against the insurance company. To do this, the victim becomes stations and carries out repairs at its own expense, while maintaining all receipts for repairs and purchased parts. The court can be accessed independently, and collectively. Some stations provided such service, They gather several victims, who should receive the money from the insurance and the nth appeal is made. As practice shows, all collective and individual treatment approved by the court in favor of the victims forcing the company to pay the amount within 15 days. 
In practice, this means, if the evaluator found, that the bumper must be replaced and offered cheaper counterpart for 200 rubles, and for painting 150 rubles, we have the right to buy the original (if it is damaged), eg, for 2500 rubles, and to pay for his painting 600 rubles. Если такую стоимость можно оправдать, eg, the price list of the official STO, the insurer is obliged to pay for this account.
What if the insurance company did not pay the money within 15 days?
Such situations occur in the practice of law, but rarely. Companies often pay only a portion of the amount (eg 25 – 50%), less do not pay at all. Either way, experts recommend to file a new claim, which is guaranteed to be won by the victims. As a consequence, the amount of payment will increase because it will be added to the amount of attorney's fees. As a result, companies pay the money because they understand that the customer is with them just will not peel off and the amount will increase.
