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It is easier to prevent problems with payments from an insurance company than to deal with them later. That is why it is important to know how to behave during an accident. Simple rules will help you avoid making mistakes that can later be a reason for refusing compensation. You also need to know what to do immediately after an accident - what documents to submit and what to expect. We will tell you what to do in the event of an accident and what to do if the insurance company does not pay compensation:
The first steps in the event of a traffic accident are important - if you do something wrong, the driver may be accused of fraud. Or simply delay payments while continuing the investigation into the insured event. What to do and what not to do:
Carefully collect all documents and certificates. Do not delay this process - it depends on how quickly the insurance company will pay the losses. In order to receive compensation without a court and quickly sort out the situation, you need to perform the following actions:
After submitting all these documents - you must be compensated for the damage. If this procedure is greatly delayed, or compensation is completely denied, do not give up - we move on to the second stage of solving the problem.
Insurance companies may look for loopholes and excuses not to pay insurance compensation. There are several ways to prove your case and get compensation:
First, you need to write a written official claim. After that, the company has a clearly established deadline to give an answer and close the issue.
Do not rush to file claims. If 3 weeks or a month have passed - you can write an official claim, but before this time you should not panic. The company will have exactly one month from the date of filing the claim (indicate the exact date in the document) to resolve your issue. But such an action on the part of the client may force them to act more promptly.
If the written application did not work - write an application to the State Financial Services Commission. The State Commission for Regulation of Financial Services Markets - controls the activities of insurance companies. This means that this body can withdraw the license from a company that does not pay compensation for no reason.
But remember, you should write a statement to them only if there is direct evidence of your rightness that can be confirmed. In this case, the commission must conduct an official inspection of the company within 15 days.
Apply to the Motor Transport Insurance Bureau of Ukraine. This bureau unites all insurance companies. If the injured party is delayed in payments or is trying to pay less than the required amount - MTIBU will help to resolve the conflict. But you will also have to wait, because the bureau is overloaded with applications, it works slowly.
Apply to court. If you did everything correctly, have already tried the previous points, and the insurance company still does not pay the damages — the only option left is a trial.
This option is the most difficult — it is long, requires a lot of patience and money. For the result, it is important to hire a good lawyer. But if other methods did not help to resolve the situation — it is still worth going to court.
And to prevent such situations from arising — be attentive to details during the accident and when processing \ submitting all documents. Always record the fact \ date of transfer of documents to the company, keep all copies. Such caution will help you quickly prove your case and receive compensation from the insurance company
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