Payouts of "Rosgosstrakh": reviews. How do I know the amount of the payment and the due dates?

Rosgosstrakh is one of the five largest insurance companies in Russia. It was formed in 1992, and if we consider the history from Soviet times, it began as early as 1921. By now, there are almost 80 branches and over 3,000 offices and divisions. The company specializes in life and health insurance of citizens, property and responsibility.

"Rosgosstrakh" consists of a leading open joint-stock company and includes several other companies with a narrow specialization, such as IC "RGS Life", "RGS-Medicine", PF "RGS".

In the article we will consider how Rosgosstrakh payments are made. Do the policyholders have problems with this, and if so, what are they related to and how to solve them.

Auto Insurance

Very many Russians trust this type of insurance precisely to Rosgosstrakh. In order to issue insurance for OSAGO, a citizen will need a passport, registration of a vehicle, driver's license and a document confirming the passage of technical inspection.

In any of the offices of the company, as well as on the site, you can both arrange and extend the insurance policy, which is issued for three, six or twelve months. The most popular, of course, are insurance policies for 1 year.

The document may apply to all persons who drive a car, or be limited to specific people allowed to drive this vehicle. This item depends not only on the amount of the policy, but also on the payment of Rosgosstrakh, if any.

The cost of insurance can depend on the following factors:

• Car category;
• Its motor;
• The length of the driver and his age;
• Place of residence and registration;
• DTP, in which the car owner has recently fallen.

Depending on the specific individuals and their TS, there are also objective reasons that affect the cost.

Payments of Rosgosstrakh in 2016

Data at the beginning of 2016, published by the Russian Union of Motor Insurers, showed a disappointing result for this large company. It turned out that payments of Rosgosstrakh for OSAGO amounted to 8.5 billion rubles, while there were fewer fees: only 7.7 billion rubles. It should be noted that the negative indicator happened for the first time in the last 13 years.

After the tariffs for compulsory motor TPL insurance grew at the end of last year, the premiums were more than almost two billion rubles. But in early 2016, the market share fell sharply by almost 10 percent.

"Rosgosstrakh" itself does not comment on insurance payments. However, the company is confident that such an indicator does not mean that the organization can leave certain regions. Payments turned out to be more than premiums because they were calculated according to the tariffs that were formed last year. At the same time, at the beginning of 2016 Rosgosstrakh was already announced that OSAGO was no longer interested in the company. And at the end of March the company even stopped electronic sales of insurance. According to the RSA, as many as two-thirds of the electronic polices refer to Rosgosstrakh. Losses have become somewhat smaller, but still continue to grow. In addition to this company, other insurers are sounding the alarm. Many, however, connect the crisis also with the actions of auto-professionals.

The losses of the company are the profits of auto-insurance companies

In some insurance companies are sure that it is the excesses of auto-drivers that lead to a crisis in the system. Therefore, they plan to even introduce draft laws with amendments to ensure that all insurers have enough tariffs for their normal functioning.

But, if insurance companies are concerned about their profits, ordinary car owners expect that they will receive such compensation in case of an accident that will cover all costs for repairing the vehicle.

Having studied the thematic forums, it turns out that, according to many car owners, the payment of "Rosgosstrakh" in case of an accident is understated. It is for this reason that they are forced to turn to the help of professional lawyers in order to "knock out" the amount necessary for repair from the insurance company. Apparently, many of them achieve success in court. As a result, insurers suffer losses and, in turn, understate payments. It turns out a vicious circle. But back to the insurance.

Voluntary insurance

In addition to OSAGO, there is also voluntary CASCO insurance. From MTPL it differs in that the payment of "Rosgosstrakh" in case of an accident on it produces in case of damage to the car during an attack, an accident, hijacking and other situations. For experienced drivers, there is a separate type of policy called "Anti-crisis CASCO". Its cost, in comparison with the usual, is less than twice.

As a supplement to OSAGO, you can purchase a DSAGO or DGO, which compensates for damage if it is caused through the fault of the car owner.

CTP: Insurance payment

The insurance company pays out money resources at approach of an insurance case if:

• Injured car accident participant who is innocent of the incident;
• Damaged traffic lights or signs DD;
• Injured driver or passengers.

Compensation for damage to life and health can be up to five hundred rubles, and property - up to four hundred. Payment can be made in cash or by performing repair work. In the latter case, if the damage to the vehicle is greater than the company can pay, the missing amount must be repaid by the culprit of the accident.

In the insurance company, not later than 15 days after the event, it is necessary to provide a passport, certificate, technical certificate of the vehicle, a certificate of an accident, an accident notification and a copy of the protocol.

What to do if the amount of payment is understated

So, the documents are filed, and you expect to receive payment for repair work. But suddenly it turns out that the amount received on the account is clearly understated and will not cover all costs when bringing the vehicle into its normal form. What can be your actions?

Someone will take what they offer, and stop there. And others will seek a fair payment. If you have chosen the second path for yourself, then you will have to order an independent examination so that in the future you can prove the understated amount by being sued by Rosgosstrakh. The amount of payment is disputed by the following preliminary actions:

• Filing an application in the office where the policy was drawn up;
• A call to the hotline;
• Appeal to management.

It happens that such actions are sufficient to review the payment. However, if the company still refuses to increase the amount, it is possible to file a complaint with the SAR, then seek legal advice and, following the actions recommended there, file a statement of claim.

Independent Expertise

Almost at all consultations you will be told that it is necessary to order an independent examination. This service is popular with car owners. After all, insurers' appraisers, as a rule, are not so independent. For example, they may not notice hidden defects that will be detected only during repair. And then this failure will have to be paid from the victim's pocket.

An independent examination ordered independently should be paid for. But, if the results of the examination do not coincide with that carried out by the insurers, and you will challenge it in court, you must indicate in the statement of claim that the costs for independent examination by the insurer have been reimbursed.

Moreover, if the amount of CASCO payments is disputed, experienced auto-drivers include a claim for moral damages, which is often met in case of voluntary insurance by the court, and insurance companies do not object.

Carrying out of independent examination

So, independent examination is carried out as follows. The participant of the road accident orders the service and pays for it, receiving a payment document (on the basis of which expenses will be collected in court). It is desirable to describe the nuances that seem to him controversial in assessing the insurance company. For example, hidden defects were not detected.

If necessary, appraisers of independent expertise agree on the place and time of the inspection with third parties. Upon inspection, all damage to the vehicle, obtained during an accident, is carefully recorded by taking photographs and describing them in detail. Further accurate calculations of necessary spare parts and restoration work are carried out. Actual amounts are taken into account from official dealers in case the car is serviced by him or mid-market. Also, the wear factor is important. Information on prices is taken from major Internet portals or shops in the region where the accident occurred. An expert opinion is being prepared . Often in such organizations offer further legal support, that is, the case in court.

Compensatory payments

"Rosgosstrakh" does not pay any compensation for the compensation plan. This is handled by the SAR. The following reasons are required for compensation:

• Bankruptcy of the UK;
• The end of the term of her license;
• The culprit was not identified in causing damage to the victim;
• The culprit does not have an insurance policy of any UK, including Rosgosstrakh.

Payment of compensation relates to motor third party liability insurance. They depend on the salary and other income of the injured person, as well as on the costs of treatment of injuries received during an accident. Compensatory payments related to the life and health of the insured persons range from 24 to 60 000 rubles.

Amount of payments

After the application for payment in Rosgosstrakh, together with other documents is submitted, it remains to wait for the decision of the insurance company. Of course, many want to quickly find out the amount that will be called. But when you go to the company's website , you will not know anything other than the status of the case and the number of your payment order .

The e-mail and the message to the phone send information about the decision, which was accepted. You will be informed of the status if you call the Rosgosstrakh contact phone number. To find out the payment in money terms, none of these methods will work.

How to find out the amount of payment, and when will the money go to the account?

Are there ways to find out this information by the case number? No. The amount will be known only when the case is reviewed and the money is transferred to the bank. The transfer after the decision is made within three working days. However, the timing of payment of Rosgosstrakh does not apply to this. The case, according to the rules, is considered 30 days. In addition, the terms can be of an individual character.

At this time, you can calculate the approximate amount of the payment yourself. The official website of the company has an online calculator, with which you can also focus on a certain size. But in it, more likely, it is possible to learn about the sum at approach of accident. But for OSAGO and KASKO have to wait, which decides to make payments to Rosgosstrakh.

Reviews: agree with the decision or sue

Many in their sad experience made sure that in most cases, payments for compulsory motor TPL insurance are understated in case of an accident . Sometimes underpayment can reach 80%. What to do in such cases to car owners, it's up to them.

Some want to quickly sort out everything and take the amount they are given. Others seek legal advice and are sued by the company.

As practice shows, even the management of the UK confirms this, the auto-experts "rob" the insurers, if they get down to business. And this means, if the participant of the accident still decides to sue, then there are good chances to achieve a positive result.

Judging by the responses left by the drivers who have already passed these tests, more and more people decide to disagree with the lowered payment, but to struggle for obtaining such amount, which will fully compensate for the repair work on the car. However, even if Rosgosstrakh objectively should not increase the amount of payment, it can be demanded from the culprit of the accident.

Conclusion

Thus, the situation today for "Rosgosstrakh", such are his payments to the insured. Of course, any company faces dissatisfied customers. And if initially the reason is very nervous and unpleasant, then positive emotions are not always born.

But, on the other hand, paying the insurance regularly, the car owner has the right to expect the payment promised by law. Therefore, if there was an accident, it is necessary to seek a fair decision in their case. After all, the payment of insurance "Rosgosstrakh" should cover the repair of a car that got into an accident, not through the fault of the owner.