Get a driver's license, buy a car, secured, are the different stages of the unusual in the driver's life. On the other hand, face the accident is not one of the things that prepare for them. So what to do when he falls unless the account? These tips and tricks for the prevention and management of incidents with car insurance (vv c p t w).
1 / incident: how to deal
Each incident includes physical damage or bodily followed by compensation. When an accident of the car, you have to do to activate Tomenkm having convened and guarantees.
Theft, breaking glass, incident ... each incident procedures.
In any case you must be friendly use of the preview? Always. You must provide the believer always inspect your car filled properly, so that you can declare winning the incident. Always be sure of owning a copy in your car and in your home to avoid any emergency.
2 / Taatovrun on a few days to permit an incident
There is a certain period of the permit for an accident must be respected. Five days is the time available to you to notify the insurance company with all information related to the incident winning you. In the event of theft or attempted theft, they must Tsrhawwa them in a matter of two days after the occurrence.
In order to Taweidkm quickly, Mamenkm provide you with some information. Work to provide the following data with careful precision as much as possible:
The date and time and place of the accident.
Names of personal information for each of the insured and the persons involved in the incident and.
A description of the circumstances of the accident and the resulting losses.
Friendly preview will help you to provide your statement from baseline.
Be aware, never Tcherawa in making the necessary reforms to Mrkpetkm affected. If you are not responsible for the accident, you must prove losses by the expert evaluated.
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What you need to know with respect to the friendly inspection?
Upon the occurrence of the incident, you must keep calm, and in all cases careful to fill record loving (and if at the time of simple material losses). In the event of physical damage, the security forces will be the completion of a report is added to the preview.
Preview friendly is a final document, that is what that is Aamadaaha of the parties:
* Can not be modified,
* Binding on the parties. Can not then any party that claims that contrary to what is actually installed in the preview spent.
Fill preview and returned carefully read carefully before you sign it.
Preview filled with well facilitate the work of the faithful and thus speed up processing your file.
Key elements in a friendly preview:
There are three basic elements constitute a preview:
Intersection signs which serve to determine the responsibility of each driver,
Drawing who can provide additional information in the case not to put any mark in the boxes,
Notes that provide additional explanations and describe the nature of the conflict.
Also must provide identification information (name, address), and which is one of the important details for the believers.
Some tips concerning Friendly Preview:
* Should read the preview mode recruitment
* You must fill out the preview, in the place of the accident, by ballpoint pen so that each party gets easy to read copy.
* Must be mentioned witnesses, if found, to identify with their personal information.
* You must indicate the number of fields that have been marked for each driver.
* It is necessary to answer all the questions.
* Drawing must be implemented carefully (in the case of a contradiction between the drawing and the fields referred to, the precedence for signs of the intersection).
* Must preview signature of both parties.
* You must fill corner observations (in the event of a disagreement with the opponent, referred to in this context).
* Must never be an amendment to a preview of what the copies are separated.
The documents that must be in Hozatkm:
During the process of scrutiny of documents by a sworn agent, the required driver of the car always provide the originals of the following documents:
* driving license
* Gray card
* Insurance certificate (yellow card)
* The document technical inspection for vehicles older than five years
In the absence of these documents, the driver is exposed to criminal penalties.
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What should be done in the event of a traffic accident?
In the event of a traffic accident, five days before you Mamenkm to inform about the incident through a phone call or by written letter or in person with your presence. And you must specify the date and time and place of the accident accurately.
You also work as much as possible to reduce the consequences of the incident, Arise rid insured by the purposes and sure to maintain them after that.
No matter the size of the losses, whether material or physical, Arise, fill the friendly preview. This document is essential to ensure
A quick settlement of the incidents. Always keep a copy in the car empty.
When the insurer receives the preview, the appointment of an expert to assess the amount of the reforms. Experience generally are made in a matter of a week or two after reporting the incident. And the insured in general can determine a certain amount of reforms of the car before sending the experience.
If you guarantee subscribers in damage, whether you are responsible for the incident or not, will be Taweidkm all costs Dftm in order to repair the car, in the limits of the commercial value of the vehicle concerned. In some cases, can repair to the insured value exceeds the commercial value monitoring. If it belongs to you, it will be noted in the public or private requirements for holding.
If not in Tktaatbwa guarantee been damaged and prove your responsibility for the accident, you will not be able to benefit from any compensation. And if you do Tktaatbwa in the guarantee damaged and did not prove your responsibility for the accident, you will be Taweidkm within the limits of the replacement value of the car.
Compensation for bodily harm always preceded by medical expertise.
Compensation linked to the value of the extent of the physical and moral damage. As it is compensated persons transferred by the insured owner of the car in which they were on board when the incident occurred. This means that the civil liability insurance for car owner believes the passengers.
