As a result, the difference will have to reimburse out of pocket, but it DSGO created in order to prevent such situations. CTP at the European level Topical Issues On March 1, 2009 should come into force amendments to the law on compulsory motor TPL insurance, which would introduce in Russia a direct claim settlement. Now the victim is Accident may apply for a payment to your insurer, not the company guilty. The result of innovations must be accelerated settlement of an insurance case, improving the quality of customer service, development of independent and objective examination of the damage. In a question-answer forum Dennis Lockhart was the first to reply. To learn how to work the new system and that motorists should take into account, the director of the Center of underwriting and product management for individuals and small businesses ROSNO Alexander Gurdus. – How does the system of direct compensation for the harm? – For payment of the injured in the accident can contact the company where he bought a liability insurance policy tool (the direct insurer).
Direct insurer specifies the details of the insurance policy client negotiates with the insurer of the guilty damage, and then makes a payment. Assessment of damage in two ways: the insured may have recourse to an independent examination, or to trust own insurance company. The cost of an independent examination by the insurer reimbursed upon presentation of documents. – What changes in the design documents for the victim in this approach? – List of documents remained the same, it just turns to his insurer. However, together with the direct settlement comes into force is another important innovation. Now small accident damage does not exceed 25 thousand rubles. You can draw, not causing traffic police, provided that the drivers are not more than two, and in the crash were not injured people. But it is important to remember that in the absence of help from the traffic police insurer will pay no more than the statutory amount (about 25 thousand).