Payout at the complete death of the car

How do you get paid at the complete death of the car? Yes, insurance companies (UK) at the time of the conclusion of the contract CASCO will work gently – and the client is absolutely sure that, having paid insurers a substantial premium, protected financially, whatever happens to his car. But often – in the case of an insurance case – he is extremely disappointed, because the SC, obliged to help him, is not always happy to give the necessary money for repairing the damaged vehicle (TS). And the payout at the complete death of the car is a separate “song.”

How do I get paid from an insurance company?

We have already considered the theoretical aspects of this issue (when according to the regulations there is a complete death of the car – “total” what options for reimbursement are possible, and what tricks are used by insurers to reduce the size of this reimbursement).

And also gave a concrete example of the situation when even the legal actions of the insurance company “provided” the client with real damage of 270,000 UAH.

Here, in connection with numerous questions of customers, we offer you some quintessence on this topic, which includes both thesis of the theory and practical recommendations in case you were denied an insurance payment of sufficient volume at the “total”.

Total car crash

So, “total” or complete death of the car: the car is considered completely lost (constructively killed), if there is no technical possibility to restore it or the cost of repair exceeds 75% of the insurance value of the car (minus depreciation).

Options usually offered by insurance companies in the case of “total”:

1. If the car is completely destroyed, the UK gives you the balances of the vehicle and pays an insurance refund, deducting from it the cost of the balances.
2. You waive the balances in favor of the UK and get the insurance value of the car, from which the deductible (if issued) and the amount of depreciation.

Where the UK is trying to save on you:

1. The cost of balances is overstated.
2. The depreciation of a fully destroyed car is taken into account improperly.
3. The cost of damage to the car is understated at the initial assessment – then the UK goes not to the “total” but to repair. And pays the amount that is not enough for real repairs.
4. The damage is overstated at the initial assessment, so that in expensive repairs to go out not on it, and on the “total” complete death of the car – if it (taking into account the franchise and wear) can pay less.

What to do to you:

1. It is necessary to organize an independent examination to assess both the total damage, residues and wear and tear. This will not allow insurers to manipulate a pair of “total”/repair in their interests – and will know exactly what to demand: payments for repairs or payment of the full cost of the car.
2. In most cases, the remnants of car owners do not need, but the UK – by default – try to return them to the victims (they have to pay in this case less). You need to write a waiver of the balances in favor of the UK and demand a refund of the full cost of the car. Because accounting for wear is illegal (see The Insurance Act – Article 10 Part 5).
3. If the SC receives a refusal or no answer within a week – you can file a claim to the court and defend their interests in the court hearing.
4. If you do not feel ready to fight on an equal footing with the lawyers of the UK, who have acted in such cases – seek the help of a qualified lawyer.

What if I can’t recover the damage?

We hope that this information will be enough for you to assess the situation in which you find yourself. For more information on the topic – read the articles on our website, call, ask questions. If you need the help of experienced lawyers to process documents, court cases or to assess the prospects of a trial, please contact AGTL’s lawyers.

We will always provide you with the necessary assistance in obtaining insurance payments in case of complete death of the car.

You will be assisted by an insurance lawyer