By law, the insurance company must review the claim of the victim of a traffic accident and the entire package within 30 days of receipt. After that, the insurer either pays for the repairs/transfers the money, or refuses in writing, or asks the applicant to send additional documents, provide the car for examination.
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An additional examination is appointed if the company has doubts about the assessment of the cost of damages
In what case will payment be refused?
The contract with the insurer includes clauses under which the company refuses to pay for car repairs or treatment of the victim. Before signing a contract, even at a very favorable price, carefully read all the paragraphs.
Important: do not buy insurance from little-known india business email list companies at an implausibly low price. At the right moment, the policy may turn out to be invalid. Always check the authenticity on the RSA website.
Why does the insurance company refuse the victim:
submission deadlines have been violated;
the insured vehicle was driven by a driver not listed on the insurance policy;
The accident occurred during training, test drive;
the car was involved in races/competitions and was damaged as a result of obviously dangerous driving;
the damage was caused as a result of proven fraudulent activity;
the policy is invalid (expired, the organization that provided it does not exist);
there is no evidence of guilt of the participants, no one admits responsibility for the incident;
incorrect design;
the owner did not provide the vehicle for examination;
one of the drivers does not have a license;
the person at fault in the accident was drunk or under the influence of drugs at the time of the incident.
Sometimes the company delays the transfer of funds for a while, in other cases the refusal will be final. The insurer explains the basis for the refusal, how to correct errors in the application.
