OSAGO “with repair” - how to choose insurance and service? legal advice. What is better to choose: cash payments or payment for repairs? What is STOA in car insurance?

15.03.2024

By purchasing MTPL insurance, the car owner can be sure that expenses in connection with unforeseen emergency situations on the road that occurred through his fault will be covered. But the insurance payment is not always made in full, and not in every case your legal rights will be fulfilled. How to choose the most optimal solution to the problem, and what to do if your rights are violated?

Options for compensation for damage under compulsory motor liability insurance

Provides compensation for damage to the injured party resulting from an incident that was your fault. At the same time, no one will compensate for damage to your own car and your health in this case.

The maximum amount of insurance payments under compulsory motor liability insurance is regulated by law and depends on the type and extent of damage received.

harm caused to the life and health of victims - not >160,000 for each victim in an accident;
damage caused to the property of the injured party – not > 400,000 (for policies concluded after October 1, 2014) and not > 120,000 (for all others);
compensation as a result of the death of a participant in an accident - not > 135,000 to persons entitled to receive such compensation + not > 25,000 - the amount of funeral expenses;
in case of harm to the health of a participant in an accident, an amount equal to his daily earnings on the day of the insured event + expenses for a sanatorium, treatment, special food, medications and other expenses is reimbursed, if it is proven that the victim does not have the opportunity to receive all this for free.

Compensation for the value of the property of victims is calculated depending on the degree of damage:

complete destruction– the market value of things on the day of the insured event is paid;
partial damage– the amount needed for repairs is paid. If the repair of things costs more than their current market value, compensation is paid upon the fact of “total loss”;
additional expenses– this includes the costs of transporting things, storage, etc.

Direct Refund Procedure

Direct compensation for losses under compulsory motor liability insurance provides for the payment of the insured amount when the injured party contacts its insurer; this method of resolving the conflict is much faster and is carried out as conveniently as possible for both parties. But you can count on PES only if you strictly adhere to the basic requirements:

vehicles involved in an accident are insured under MTPL policies;
mutual guilt of drivers in an emergency situation has not been proven;
the result of the accident was damage to cars and property, there is no threat to the life and health of the participants in the incident;
The insurer of the person responsible for the accident has no restrictions on its professional activities.

However, there are a number of restrictions; if at least one of them is present, you can’t even dream of direct compensation for losses:

a notification about the insured event has already been sent to the insurance company of the person responsible for the accident;
The accident was registered according to a simplified procedure (without the presence of traffic police officers), while the rules for document registration were violated and there were inaccuracies;
damage was caused to cultural heritage, antiques, works of art, jewelry, etc.;
the accident occurred during a sports competition or as a result of testing a car;
there is a trial to dispute the guilt.

These are the main reasons for direct compensation of losses, however, there are other circumstances in connection with which such a procedure for resolving disputes is not provided - all of them are regulated by the laws of the RSA.

If the documents are in order and you followed all the prescribed rules exactly, after the examination your insurance company pays you the required compensation. The client’s further cash flow is not affected - the insurers independently sort out among themselves regarding payment and return of the amount due.

Features of repairs under a car insurance policy?

Since September 2014, an amendment to the MTPL Law regarding car repairs instead of monetary compensation came into force. The meaning of this proposal is that the insurance company offers the policyholder to carry out car repairs at the proposed service station instead of receiving the due monetary compensation. In this case, the insurer transfers the insured amount to the auto repair shop’s account, and further actions (repair time, quality, individual nuances) - all this is discussed by the client with the auto repair shop; the insurer is no longer responsible for failure to meet deadlines and quality of work.

With this option of compensation, the insurance company will be in profit, since it has the opportunity to underestimate the amount of the insurance payment. The amount of the assessed damage is transferred to the service station account; if it is insufficient to carry out repair work, the balance must be paid from the personal funds of the vehicle owner. Your benefit in this case is the speed of solving the problem and saving time and nerves.

Repair or cash payment – what to choose?

There is always a choice - to choose repairs or to expect a cash payment, which often does not arrive on time. Let's figure out how to choose the best option?

Repair will be preferable if you are offered to cooperate with a proven, well-established service station. An additional incentive to carry out speedy repair work will be the absence of internal damage - if your car has serious damage, carrying out a comprehensive repair, the development of events can go in two directions:

old parts will not be replaced - negligence may not be noticed immediately, and it’s good if this does not lead to harmful consequences;
damaged car parts will be replaced with new ones, but their cost will have to be paid - very rarely the amount of insurance compensation can cover the price of new spare parts.

The location factor of the service station also plays an important role; it is convenient if you are offered a service near your home or if you have another vehicle to periodically visit the point and monitor the progress of the work. Otherwise, getting to the service station will be problematic, and this will require additional financial expenses.

As you can see, in each specific situation you should calculate the optimal option, taking into account your current requirements.

What to do if the payment is not enough?

Assigned insurance payments under compulsory motor liability insurance rarely cover complete car repairs; in order to receive additional compensation, an independent examination should be carried out; it is best to act according to the following algorithm:

report the accident to the Investigative Committee as soon as possible and undergo the proposed mandatory examination;
based on the results of the examination, after 30 days, receive the due payment - usually it is not enough for the actual repair;
conduct an independent examination, be sure to notify the person responsible for the accident and the insurer’s representative in order to formalize the procedure according to the law;
based on the new examination, draw up an application to the insurance company requesting a re-examination of the case, obtain and save copies of papers (may be needed for subsequent litigation);
expect additional compensation or refusal, in which case file a lawsuit for the illegality of the insurer’s actions.

During court proceedings, it is best to invite a qualified lawyer; he will conduct the case as quickly and efficiently as possible, and the court will reimburse the lawyer’s services in the amount of up to 3,000 rubles.

What to do when your own car is damaged in an accident?

Since compensation for damage caused to the personal car of the perpetrator of an accident is not paid according to the rules of the MTPL policy, it would not hurt, in addition, to conclude a voluntary insurance agreement, for example, CASCO.

This will allow you to compensate for damage caused to the vehicle as a result of an accident, regardless of who was at fault for the accident; CASCO also covers damage in the event of theft of a car and in the event of its complete loss. The cost of insurance is always cheaper than spending money on restoring a car out of your own pocket, while the price of insurance will be significantly reduced for driving experience, age and absence of accidents.

If you do not have a voluntary insurance contract, you will have to cover all the damage from your personal finances, which in most cases is very expensive.

How to file a claim for payment?

In order to correctly file a claim for MTPL payments, the procedure should be carried out in accordance with the established rules, otherwise the document will have no legal value:

first of all, you should prepare all the necessary documents and determine the main provisions of the contract, which the insurance company did not fulfill or did not fully fulfill;
the claim is written in the format of a regular letter, first indicating the addressee - the full name of the insurance company and the legal address of the company. Next, the sender with the actual residential address is indicated;
in the text of the letter you must indicate what contract you entered into, when it was signed, and how it was paid by the policyholder. All points should be supported by extracts and links to the text of the official document. The points violated by the insurer are indicated in the same way;
The final stage will be a cause-and-effect relationship between the violation of the terms of the policy by the insurer and the damage you suffered.

To avoid disputes regarding the time factor, demand that the issue be resolved within a certain period of time, for example, from 5 to 7 days, etc.

An integral part of any formal complaint must be attached copies of the documents you referred to. You can deliver the claim letter to the insurer personally or via registered mail.

You will learn the nuances of MTPL repairs from the video:

The law provided that a driver could receive either a referral for repair work or money under compulsory motor liability insurance. However, now the situation has changed a little: mostly insurance organizations issue referrals for repairs, depriving a person of choice. This law on compulsory motor liability insurance was adopted in 2018.

It is worth understanding this issue in detail and identifying whether it is possible to get it instead of repairs.

Under what circumstances can a driver choose monetary compensation or repairs?

In order to understand whether it is possible to receive money according to the previous standards, you will need to examine the insurance of the party that was at fault for the accident.

Payment for repairs under compulsory motor liability insurance has become a priority thanks to the above-mentioned law, issued in 2017. This plays a major role in this issue, since if the guilty party of the accident had a policy drawn up in 2017, that is, according to the old law, then the victim has a choice: restoring the car through repairs or receiving money.

It is worth noting that the law came out on April 27 last year. If the culprit took out insurance after this date, then the victim is deprived of the right to choose.

Service station - direction and choice

All insurance organizations provide their clients with a referral to a service station. The client does not have to choose a specific station for himself, since the company directs him to the service station with which the contract has been concluded.

To find out which service station a particular organization cooperates with, just go to the official website and find information about this (usually all companies post this information) or call and consult on this issue.

However, the client can choose the service station that is suitable for himself, in his opinion, but before applying there, he must obtain a special agreement from the insurer. Of course, the driver has a formal choice. Why formal? Because his choice is narrowed down to the stations provided by the insurance agency.

Repair process: is it necessary to pay a deficiency for repair work and will wear and tear on the machine be taken into account?

Since the law now provides for repairs instead of payments, it obliges each service to replace damaged parts with completely new spare parts. You cannot install already used spare parts. It follows that wear will not be taken into account in this case. However, many people sin with service for the sake of saving: original parts can be replaced with Chinese ones.

For example, in the Volgograd region, multiple cases of the use of non-original spare parts in car repair shops were noticed. Naturally, the cars could not function well for a long time after the so-called repairs. A lot of dissatisfaction has accumulated on the part of car owners. There were lawsuits.

The person who caused the accident pays the deductible for repair work if his insurance complies with the previous rules.

Will the warranty still be valid after the repair?

Perhaps the most important need for a service station, which is associated with an insurance organization with a special contract, is its own agreement with the manufacturer/distributor of a car of a particular brand. In simple terms, the service station is obliged to keep a valid contract with the official dealer.

Why is this agreement considered a direct necessity? If the car is not even 2 years old after its production, then the warranty will not disappear unless its validity period exceeds the period of use of the car. If the warranty period is longer, then in this situation it becomes invalid.

How long does it take for the insurer to pay compensation and make repairs?

The insurance company, after inspecting the car after an accident, must issue the injured person a referral to a service station within twenty days after the day the client submits a special application submitted with the required documents.

Repairs must be carried out within a month after the car is handed over to the service station. It should be noted that this is a permanent requirement that cannot be edited in any way.

Important: thirty days begin from the moment the car is transferred to the service station. If the car owner continues to drive along the road in a damaged car, the month will not begin to count. Therefore, it would be good for every driver to remember this fact in order to avoid so-called scandals with the insurer.

Whose responsibility will be for poorly done repair work?

Many car owners tend to blame service workers for poorly repairing their car. But the insurer bears all responsibility for poor quality.

If the company does not issue a referral to the service station within 20 days, then it will pay penalties for violating the deadlines. The penalty is 1% of the total compensation amount. It will be charged for each day of delay.
If the repair lasted longer than a month, the penalty is 0.5%.
If the repair work was carried out poorly, the car owner has the right to file a claim for compensation for losses from his insurance company.

Thus, if the deadlines were violated or if the repair was carried out incompetently, then the car owner has the right to demand money and a penalty from his insurer.

How to receive payment under a compulsory motor liability insurance agreement instead of repairs: consideration of cases when money is paid?

The law provides for some situations when motor vehicle liability insurance provides for the payment of funds.

So, what can be classified as exceptional cases:

Complete destruction of the car;
Death of the car owner;
If you were seriously injured during an accident;
There is a disability group;
If the repair costs more than the amount established by law;
If the insurers do not have an agreement with the service station and it does not have the opportunity to provide direction for carrying out technical work;
If an agreement was signed in advance that compensation would be paid in the form of money - payment of money and not repairs under compulsory motor liability insurance in 2018;
The Central Bank has the right to force the insurer to pay money if there have been repeated violations on its part with compensation in kind;
If not a single repair station (which, of course, has contracts with the insurer) meets the established requirements.

To avoid any misunderstandings, it is better to consider the established requirements that the service station must comply with:

The most important requirement is that car repairs should not be carried out for more than thirty days.
The distance between the service station and the place of residence/accident site is no more than fifty kilometers.
A contract with the car manufacturer is required.

If these requirements are not met by any of the service stations with which the insurer has a contract, then the client has the right to demand payment of funds from the insurer.

Important: if the Central Bank has imposed so-called sanctions on an insurance organization for a referral for repairs, the policyholder may demand money or sign an agreement stating that he wishes to receive a referral for repairs.

In this case, funds are accrued taking into account the wear and tear of the car.

Not a rosy picture of reality

In principle, many clients do not care in what form they receive compensation. The main problem must be solved, that is, the machine must function well.

If MTPL insurers in 2018 take on all the formalities, that is, choosing a service station, paying for spare parts, and so on, then this is perhaps the best option for developing the business. But in reality, everything is not so simple.

The fact is that when the old law, which provided a choice, was in effect, the insurance company often liked to delay paying out the money. Now she is putting off getting assigned to technical work.

But car services are no better: it’s good when they are actually managed on time, often the procedure can drag on for several months. Sometimes the client may receive a refusal altogether, because spare parts are expensive.

Insurance companies

So, it’s worth considering the list of companies that cover compensation by paying for repairs:

Rosgosstrakh;
Ingosstrakh;
AlfaStrakhovanie;
VSK (Military Insurance Company).

And only one organization gives money:

Reso-Garantiya.

Thus, the issue of compensation under MTPL was considered. According to the new legislation, the injured person is given a referral for repairs from the insurance agency. In this case, the company does not cover repairs for the culprit under OSAGO.

If the insurers did not cover the damage and refuse to do so for some reason, then the client can get his way through the court.

Cash payments, rather than directions for repairs, are made only in some situations, which were indicated above.

Video on the topic

Attention!
Due to frequent changes in administrative laws of the Russian Federation and traffic rules, we do not always have time to update the information on the website, and therefore Free legal experts work for you around the clock!

10/31/2017 at approximately 18:30 in the parking lot near the building at Moscow, Svobody St., 57 k.1. I got into an accident in a Land Rover FreeLander 2 car, state number E 304 MX 197. The car is insured under CASCO insurance with RESO-Garantia Insurance Company (policy No. SYS1210138965 dated May 16, 2017).
As a result of the accident, the rear right fender was damaged.
Because the damage was minor and the second participant in the accident pleaded guilty (insured under compulsory motor liability insurance in VSK Insurance Company), we drew up a Notification of the accident according to the European Protocol.
On 11/01/2017, the car was inspected by an emergency commissioner sent by RESO-Garantia SPAO and an inspection report was drawn up.
On November 14, 2017, I arrived at the loss settlement department of SPAO "RESO-Garantia" at the address, Moscow, Zelenograd, 4801 pr-d, 5 and presented the car for inspection to the expert of SPAO "RESO-Garantia". Considering that at the time of insuring the car there was a paint defect on the rear right fender, which I corrected at my own expense, I submitted documents confirming the repairs carried out at the service station "Avtodin LLC" (the service station of an official FORD dealer):
1. Work order No. 0000052515 dated 10/03/2017;
2. The act of returning the car to the client;
3. Receipt for payment of the cost of repairs dated 10/09/2017
In the inspection report, I indicated the preferred service station for repairs - NIK-Auto (Moscow, Zelenograd, 4801 pr-d, 5), with which SPAO RESO-Garantiya has an agreement for an in-kind settlement. Despite this, I was sent to the service station "RESO-Auto-Service" (Moscow, Nagorny Prospect, 6, building 6), which is located at the diametrically opposite end of Moscow. Look on the court where Zelenograd is and where Nagorny pr-zd is!!!.. My requests to be redirected to the service station in Zelenograd (NIK-Auto) were refused.
On November 24, 2017, I learned that I was denied painting of the damaged part on the basis that after the repairs were completed, I did not submit the car for re-inspection.
The reasons why I did not present the car for inspection:
1. The car was received from repair on 10/09/2017;
2. On October 11, 2017, I returned to work from another vacation. Due to the heavy workload, I was unable to find time during daylight hours (I work after all and can’t always leave work) to present the car for inspection. And I also couldn’t imagine that in two weeks the car would be damaged, and this particular part.

For some reason, the documents confirming the repairs were not taken into account by RESO-Garantiya.
I regard the current situation as a sophisticated mockery of the client. The behavior of officials of SPJSC "RESO-Garantia" calls into question the feasibility of CASCO insurance in RESO-Garantia, because If I had applied, within the framework of compulsory motor liability insurance, to the insurance company responsible for the accident (in this case, the VSK insurance company), then such problems would not have arisen.
I categorically disagree with the refusal of SPAO "RESO-Garantiya" to repair damage to the rear right wing in full and to send the car for repairs to a remote service station if there is a service station in my area of residence, for the following reasons:
1. The damage to the paintwork of the rear right fender that existed at the time of car insurance, recorded in the Description of the vehicle, carried out by an insurance company specialist, and which is an integral part of the Insurance Agreement No. SYS1210138965 dated May 16, 2017, was eliminated by me at my own expense, which is confirmed by the submitted documents. The current damage occurred as a result of an accident on October 31, 2017.
2. In the area of my residence there is a NIK-Avto service station, with which SPAO RESO-Garantia has an agreement on a settlement in kind (this information is posted on the official website of SPAO RESO-Garantia http://www.reso.ru.. .). The client has the right to choose a service station that is convenient for him from the list of service stations with which the insurance company has such an agreement.
Based on the above, I demand:
1. Completely repair the rear right fender, including painting;
2. Send my car for repairs to the NIK-Avto service station (Moscow, Zelenograd, 4801 pr-d, 5),
I ask you to consider my claim within 10 days and, in case of refusal, provide me with a reasoned response indicating the legislative norms and documents of the Russian Federation in support of the position of SPJSC RESO-Garantiya.
Please send the answer to my registration address, a copy of the answer must be sent to the email address: [email protected]

The insurance company refuses to pay insurance compensation due to the refusal to undergo repairs at a service station at the direction of the insurer and the claimant’s demand to pay the insurance compensation by paying him money.
(Judicial practice until 2014)

From the contents of Art. 929 of the Civil Code of the Russian Federation it follows that compensation for losses is carried out by payment of insurance compensation, i.e. the right to receive sums of money to compensate for losses under an insurance contract is provided for by law. This does not exclude the possibility of including in the contract another method of compensation, such as, for example, the insurer sending the car for repairs at a service station.

Payment of insurance compensation was refused on the basis of refusal to undergo repairs at a service station at the direction of the insurer. The court considers that an insured event occurred, the provisions of the policy (agreement) are subject to application, and, therefore, the actions of the defendant in not paying the insured amount are illegal and not in accordance with the current legislation and the concluded insurance agreement.

The definition by the parties in the contract of the condition that compensation is made through repairs at a service station in the direction of the Insurer is not an obstacle to the judicial protection of the rights of the plaintiff and the satisfaction of the claim for the collection of insurance compensation, and therefore, the court decision to collect the amount of insurance compensation is legal and justified .

Due to the defendant’s violation of the deadlines for fulfilling the contract - sending the plaintiff’s car to a service station, the collection of insurance compensation in monetary terms in favor of the plaintiff is justified.

In itself, a change by the policyholder in the procedure for determining insurance compensation, provided that the procedure chosen by him complies with the requirements of paragraph of the Appendix to the Rules of Voluntary Insurance, does not entail a refusal to pay insurance compensation, since neither the Law nor the Rules of Voluntary Insurance provide for the possibility of such a refusal.
Appeal ruling of the Tyumen Regional Court dated July 18, 2012

Considering that the CASCO agreement concluded by the parties regarding the payment of insurance compensation through repairs at a service station in the direction of the insurer does not contradict the requirements of the law, at the same time, the parties agreed on all its essential terms, including regarding the payment of the amount of insurance compensation, at the court of first instance there were no grounds for satisfying the stated requirements and collecting the cost of restoration of the car

The insurer gave the policyholder a direction to repair the car, however, at the service station he was informed that there were no spare parts to repair the car, and they would only be available in a month, and they were also informed that the car would be repaired in a week. The specified deadlines did not suit him, since he needed to use the car, which he informed the defendant about and asked to pay him money to repair the car.

Payments under compulsory motor liability insurance have been replaced with repairs since 2017 - this rule came into force after the President of the Russian Federation signed amendments to the previously existing law on compulsory motor liability insurance. The new amendments are effective from April 28, 2017 and apply only to those compulsory insurance policies that were issued after this date.

Before the law came into effect, car owners had the choice of receiving a refund or making repairs. Now he's gone. If the culprit in the accident signed a compulsory motor liability insurance agreement after April 28, in most cases you will have to forget about the monetary payment. After another six months, direct compensation will be relevant even in the event of an accident involving 2 or more cars.

How did the old rules work?

Before the new law, the car owner had two options for compensation:

The funds were transferred to the car owner, after which he made repairs.
The money was transferred directly to the service station, and the car owner paid the difference for the repairs from his own pocket.

As you can see, the injured party retained the right to refuse repairs at the service station and take the money. This loophole was used by various lawyers, helping participants in road accidents to sue the insurance company for the required funds and in this way receive additional income. The presence of cash payments led to the emergence of scammers who substituted their cars on the roads in order to receive money under compulsory motor liability insurance.

With the new law coming into force, there is no room for choice, and car owners are forced to repair their car at a service station.

With the entry into force of the new amendments, the algorithm of actions is as follows:

The car owner gets into an accident.
The victim's car is sent to a service station.
The insurance company pays the bill for repairs and parts.

Cash payments have not been canceled for everyone, but only for owners of passenger cars registered in the Russian Federation and owned by citizens of the country.

Main features of the new law

Who makes the payments?

In the event of an accident, a representative of the insurance company inspects the car and issues a referral for repairs. During the car restoration process, only new parts are used. Installation of used spare parts is possible upon concluding an agreement with an insurance company. By the way, the insurer may not give its approval.

How are payments calculated?

Repair costs are calculated using the Central Bank method, which takes into account various indicators. When this method is used, the cost of painting parts is not always included in the total amount or is partially painted.

Payment for installed parts is made not according to a receipt from the store, but taking into account the average statistical information given in a special reference book. The same approach is used when determining costs for service stations. If the money allocated by the insurer is not enough for repairs, the difference will have to be made up from your own money.

What repair periods are established by law?

A referral for vehicle restoration is issued within 20 days from the date of acceptance of the application by the insurer. If the work is planned to be carried out at a third-party service station, which is not included in the list of the insurance company, there may be a delay in issuing a referral - up to a month.

30 working days are allotted for repair work. The countdown starts from the moment the vehicle is accepted by the service station. An increase in the established period is possible for more complex repairs and with the consent of the injured party. If repairs are delayed, the insurance company pays a penalty.

Is there a guarantee?

Many people are interested in whether the service station provides a guarantee. If we are talking about body restoration work, it is 1 year, and for other types of repairs - 6 months.

Where is the car sent for repair?

Where the vehicle is restored depends on the insurance company. Each insurer has its own list of service stations with which contracts have been concluded. There may be many options, but each time the decision is made individually. According to the law, a car service must be located no more than 50 km from the scene of the accident or the place of residence of the injured party.

If the insurance company pays for a tow truck to deliver the car to the service station, you can choose any option from the list. What does it mean? If the accident occurred at a distance of 200 km from the car owner’s house, the insurer has the right to send a tow truck. In this case, the transport takes the car for repair to the nearest service station or to any other service station. It is worth knowing that the task of the insurance company is to deliver the car not only to the service station, but also to its original location.

What to do if the car is under warranty?

By law, the insurance company is obliged to send the car to a service that has the right to service cars of a certain brand (this must be confirmed by an agreement with the dealer or manufacturer). If such a service station is not on the list, the car is sent for repair at any other service offered by the insurer, but subject to the consent of the car owner. If the owner refuses the proposed option, he is allowed to take the money.

This condition applies if the car is under 2 years old. This is a big minus, because many manufacturers provide a warranty of 3-5 years. If the insurer does not have suitable options on the list, it has the right to send the car for any service. In this case, no compensation will be issued.

How to decide on a service station?

When applying for a compulsory insurance policy, the car owner has the right to indicate a specific service to which the insurer must issue a referral in case of direct compensation for damage. Most often you have to choose from the list of an insurance company, but by agreement it is possible to indicate another service station (even if it is not on the list).

If any agreements are reached, the latter must be recorded in the statement. In this case, the consent of the insurance company must be in writing. If the insurer cannot pay for repairs at the agreed service, the owner has the right to demand monetary compensation.

What to do if the repairs are done poorly?

If the car was transferred to a service station, which delayed the delivery of the car or poorly completed the task, the owner files a claim with the insurance company with a request to remove the existing defects. If the problems have not been eliminated, you can demand compensation, and in case of refusal, go to court.

When can I receive monetary compensation?

Cash payments are made in the following cases:

The car cannot be restored at a service station.
The victim died, and the relatives do not want to restore the vehicle.
There is mutual responsibility of the parties (this fact must be proven).
The victim is disabled and drives a special car.
The insurance payout is not enough to pay for the necessary repairs.
The party injured in the accident suffered severe or moderate harm. In this case, the car owner preferred monetary compensation.
The Central Bank did not allow the damage to be covered by paying for repairs.
The insurer and the policyholder have agreed that compensation will be paid in cash.
The victim refused to have the car repaired at a service station that did not have an agreement with the dealer or manufacturer.

Can I get money for doing my own repairs?

Some car owners decide to repair their cars themselves. It is worth considering here that receiving money at will is no longer possible. Compensation is paid only in one of the above cases. The easiest way is to try to negotiate with the insurer about monetary compensation. In case of refusal, it will not be possible to somehow influence the insurance company. The car will have to be sent in for repairs and, perhaps, some of the funds will have to be spent on spare parts.

Why should the car owner pay extra if there is no fault?

It was noted above that the calculation of the amount of payments is made using the Central Bank method, which takes into account many indicators, starting with the area of damage and ending with the volume of leakage of consumables during the repair process. The owner of the car cannot demand to fill in the usual oil or install spark plugs from a specific manufacturer. The insurer takes into account data from a special directory and takes into account information received from an expert. This is why sometimes there is not enough money for repairs, and the car owner is forced to pay extra out of pocket.

To reduce costs, you can agree to install used parts, but such an agreement must be in writing. Even in the absence of fault, compulsory motor liability insurance rarely covers the cost of repairs, but according to the law, the injured person has the right to demand additional payment from the guilty party.

What to do if you have a policy issued before April 28?

In this case, you can use the old contract and, in case of an accident, choose one of the available options - payment of money or payment for repairs. Once the policy expires, it is important to carefully select an insurer. Pay attention to the list of services that the insurance company works with. This list can be found on the official website of the insurer. There should also be other information here - the addresses of the service station, the timing of repairs, as well as the brands of cars being serviced.

Before concluding a contract, contact a trusted service station and find out which insurance companies it works with. Then select the appropriate option from the list.

If you replace parts yourself, collect receipts for spare parts, as they may be required for examination or legal proceedings. If an accident occurs, make sure that the paperwork is completed correctly. This will preserve the possibility of direct coverage of losses with the insurance company.

What if you are going to buy a car?

If you are just planning to buy a car and want to maintain the warranty, make a request from an authorized service station dealer. Select the company that works with the service center you are interested in. If the insurer of the guilty party does not have an agreement with this service station, demand a referral here or monetary compensation.

If you are buying a used car, ask the seller for paperwork for the parts they recently purchased. If you purchase an expensive car, consider whether you can pay the difference yourself when repairing the car under compulsory motor liability insurance. It will no longer be possible to receive a payment and then make repairs in a friend’s garage.