The insurance agency does not pay for compulsory Civil liability Insurance of Vehicle Owners (OSAGO)

The insurance agency does not pay for compulsory Civil liability Insurance of Vehicle Owners (OSAGO)

A large list of reasons does not allow the insurance company to pay compensation for compulsory vehicle liability insurance. In addition, all these reasons are divided into reasonable and unfounded. The former, in accordance with judicial practice, are considered legitimate, so there is simply no point in challenging them. An exception may be moments where the basis for a decision can be the result of a court verdict. If all this turns out to be doubtful, then after the refutation of the independent examination due to the investigation by the insurance agency, there are no arguments left and there is no point in denying it, then the court can be reconsidered.

If we take into account the second group of reasons for refusal, then they are purely formal in nature, which is why they can be easily overcome by court. Knowing the basic nuances of the work of an insurance agency will help any driver, and will make it clear what to do so that they do not refuse to pay OSAGO funds and how in such cases they correct the whole situation.

Reasons for refusal to pay insurance funds for compulsory motor liability insurance

In addition to the current legislation, the most important regulatory document is the one that governs the relationship of the insurer and the insurance agent. That is, everything is in the contract. It sets out all the basic rights and obligations of drivers and the insurance company. In different cases, the exact adherence to the proposed provisions allows you to completely exclude all reasonable reasons for refusing to pay compensation under compulsory motor liability insurance. Damage during an accident is not covered, if:

  1. If the car does not have a OSAGO insurance policy.
  2. Appeal for compensation was filed with a significant delay. If, of course, a good reason was fixed at the same time, and there are documents as confirmation, then the period can be extended for another time.
  3. If compensation for non-pecuniary damage is required.
  4. Damage occurred during driving training, at a competition or tournament, or during a car test.
  5. The cause of defects and breakdowns of body parts is the result of the impact of the transported goods.
  6. Vehicle damage was inflicted on a cultural monument and architectural structures.

All these cases do not make much sense to appeal to the courts to appeal the decision of the insurance agency, since everything is accurately prescribed in the contract. There are other points when the refusal to pay for compulsory motor liability insurance is justified in accordance with the law:

  1. The affected party does not submit all documentation. In this case, the refusal should not follow, but this case will be suspended until the victim has handed over all the necessary documentation.
  2. The insurance agency went bankrupt and could not answer for its own obligations.
  3. The form of the insurance policy is recognized as fake. This issue will be resolved only with the involvement of police officers or by writing an appeal to the SAR department.
  4. If it is proved that the injured party was caught in fraud in relations with the insurance company in order to get its own benefit.
  5. In case of fault in a bilateral format, the insurer has the right to reduce the entire amount of compensation or generally refuses all of this.
  6. Having received damage during an accident outside the territory of the country, the policy on compulsory motor third-party liability insurance will be valid precisely within the borders of the Russian Federation.
  7. When the collision does not occur at the moment of movement, but in the parking lot, this moment will also be disputed.
  8. If the agent has not yet had time to pay compensation in accordance with the OSAGO

 

 

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