Insurers talked about payments for car damage in bad weather
The All-Russian Union of Insurers (VSS) explained what insurance payments are due to car owners due to bad weather. If the car is insured under a hard hat, the damage is compensated for damage to the car, regardless of the presence of the culprit. Mikhail Porvatov, Deputy director of the Department for the Development of Property Insurance for Individuals of the VSS, recalled this on April 27, specifying that he meant a full hard hat.
At the same time, CTP is insurance of civil liability of car owners to third parties, and under such policies, damage is reimbursed only if the car is damaged as a result of a collision with another car due to the fault of another driver, the VCC said in its Telegram channel.
If an insured event under CTP occurs, if two vehicles were involved in an accident and there are no casualties, you must contact your insurance company with which the contract was concluded. The procedure for receiving compensation and the procedure for the policyholder's actions are prescribed in the insurance rules.
Porvatov explained that in the vast majority of CASCO contracts, natural disasters are among the insurance risks. A hard hat is a voluntary type of insurance, and the procedure for dealing with an insured event prescribed in the terms of the contract may vary from one insurer to another.
"Someone needs help from the police, if, for example, the car was parked, a tree or some other object fell on it, someone does not require such help. We need to look at the specific insurance conditions and clarify them with the insurance company," Porvatov said.
On Monday, April 27, Moscow and the Moscow region were hit by a powerful snow cyclone. The number of accidents on the roads has increased, motorists report cars damaged by trees. The hydrometeorological Center declared orange, the penultimate level of weather danger, in the capital and the Moscow region.
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