What to make that the insurance company has carried out obligations taken on in full, whether it is possible to achieve fast payment of the insurance sum? " The newspaper on - Kiev " has asked insurance brokers to answer the most widespread questions of our readers.

- What party, in case of road accident, should address in the insurance company for compensation on a civil liability - the insurant or the victim?

- In case of road accident the owner of the policy of obligatory insurance of a civil liability should register an insurance case in the insurance company. To inform the necessary information it is necessary by phones specified in the policy of obligatory insurance or in special instructions for the driver which are usually given out by the insurance companies together with the policy of assurance. If it is possible to register an insurance case in the best way from a place of road accident as simultaneously you can receive consultation of experts of the insurance company on the further actions at registration of road accident.
Further, within three working days the insurant should submit the written application for an insurance case to the insurance company. For this purpose it is necessary to fill in an application form, to give the information of GAI, an insurance policy, copies of the log, the driver's license and the civil passport. After that in your insurance company the victim with the application for the indemnification addresses also. On the basis of these applications the emergency commissioner of a department of settlement of losses examines the automobile of the victim and makes the certificate of preliminary survey of the automobile. Then defines the sum of the put damage or fixs time also a place of an expert estimation with the purpose of definition of the sum of the put damage.
Further we advise to be typed patiences and to expect the decision of court on guilt of the parties in road accident as only such decision of court will be the basis for the indemnification. It is necessary to remember also, that at payment of compensation the insurance company takes away the franchise which is compensated by the originator of road accident to the victim independently from the sum of damage.

- In what limits insurance compensation is paid? What size of the maximal insurance sum?

- The insurance sum - cost of the insured automobile at the moment of the conclusion of the contract. Insurance compensation is paid in the size which is not exceeding the size of the insurance sum. The size of compensation is defined, proceeding from the actual size of damage owing to road accident, minus the franchise which size is determined in the contract of insurance. Besides if in the contract of insurance it is specified, that compensation on the insured automobile will be made in view of amortisation deterioration on a detail from the sum of compensation, except for the above-stated franchise, deterioration on a detail for every year operation of the automobile will be subtracted also.

- How to receive insurance payment if the automobile of the originator of the road accident insured on a civil liability, is registered in the other city? Whether it is necessary to go there?

- No, it is not necessary. One of requirements at reception of the sanction to sale of insurance policies to the insurance company - presence of representations on settlement of losses in all areas of the country. So it is necessary for you to find out, where there is the nearest representation of the insurance company in which the automobile of the originator of road accident is insured.