Claims to the insurance company: reasons for filling in and options for filing

As practice shows, the relationship between insurance companies and the client is as follows: the company pays the client compensation for damage. The less the insurance company pays to the client, the greater its profit. Many firms are interested in minimum payments. However, there is a sure way to get full insurance compensation - this is the competent preparation of a pretrial claim to the insurance company about the payment of insurance compensation.

In which case is a pre-trial claim drawn up

Insurance company KASKO to conclude favorably, but to make payments very unprofitable. Therefore, the need to write a claim comes in the event of an insured event. The insurance claim is a document in which the insurer documents the essence of the problem that arose as a result of the insurance event.

What to include in the claim

As a rule, any claim must contain the requisites of the recipient and its sender. It is more correct to write a claim to the head of the insurance company. The sender is required to indicate the name, exact address of residence and contact telephone number for communication. In addition to personal data, it is necessary to provide information about the occurred insurance event. It is necessary to specify in detail the brand and model of the vehicle that fell in the DPT, the state registration number, the number of victims, the number of the applicable MTPL policy, reference numbers, protocols and other documents. It is necessary to identify the essence of the claim in the insurance company. You also need to list the requirements of the client. It will be good if the claim to the insurance company will be used links to the laws and regulations of insurance. The claimant's signature and date are completed.

How to file a claim

Often, before submitting a claim, the client will talk with the representative of the insurance company. An insurance specialist tries to use the client's legal illiteracy and convince him not to go to court. As an argument, various points from the rules can be cited. It must be remembered that the oral statement does not bear any responsibility. Therefore, one should not be led to excuses, it is necessary to file a claim and wait for an official response. To make a claim to an insurance company they can offer their form, but if it does not fit, you can refuse and write on any blank sheet of paper. Before leaving a claim, make sure that you have a certified copy left in your hands.

If you can not personally leave a claim in the insurance company, you can send a courier with a notification. In this case, you can write a claim at home yourself, indicating in it all the necessary data and circumstances. If at home you doubt the correctness of filling out the document, you can find examples of claims to insurance companies on special websites.

All necessary documents on the insurance event must be kept until the completion of the case and decision. Remember, any claims to the insurance company are best kept for several years.