What should a motor insurance owner do in the event of an accident? Casco insurance Casco what is included in the insured event

Since the introduction of “autocitizen”, many companies have appeared that offer their services in this area. At the same time, CASCO, which includes an insured event, describes very vaguely, and the lists of leading insurers are very different from each other.

Controversial issues related to this bring people to court, where the proceedings can drag on for a long time. From our experience, we know which insurance cases are included in CASCO insurance, and which ones may be denied to you. At the same time, it is recommended to pay attention to additional options that significantly increase the attractiveness of insurance.

What is included in CASCO for cars

The insurance system is quite complex and has a number of specific subtleties. Most companies offering such services allow the client to choose independently, suggesting a specific percentage of compensation for a particular damage. That is why the insurance contract must be approached very responsibly, even if it is the so-called “full CASCO”. It may have its own additions that are not available in similar documents from other companies.

Everything that is included in CASCO for a car can be presented in the form of a specific list. However, it must be remembered that there are several insurance programs even from one company, which means that some items may change or be missing.

Road traffic accident (RTA). This is a general concept that addresses a specific situation. Some types of damage in road accidents are specially taken to separate points, since other insured events arise for them.
Collision with another car. We are talking about road users in different types of vehicles.
Hitting or hitting an object that can be in either a static or moving state. This item also includes animals and birds.
Vehicle rollover. A separate insurance clause that covers a specific type of damage in an accident.
Fire. Even a fire resulting from an accident falls under this clause.
Objects falling onto the vehicle. This means trees, ice, snow, etc.
Fall through the ice.
Falling into the water.
Gravel release. A separate type of damage resulting from stones or other objects falling from under the wheels of another car.
Illegal actions of third parties. When asking the question of what is included in CASCO for a car, this point interests people the most. It includes a range of actions that may be considered illegal or in violation of private property rights.
Explosion.

Important! It should be noted that all these points are usually included in a standard contract. However, their availability and the percentage of compensation must be discussed separately so that controversial issues do not arise later.

What is not an insured event

For the program to start working, an insured event must occur. Legislatively, there are a number of factors that correspond to the type of damage, but at the same time, money is not paid for them. They are worth considering separately.

Cases of theft

theft of the radio or its damage;
theft of a license plate, as well as its damage;
loss or theft of additional equipment located outside the vehicle;
theft of a car with open doors, windows and deactivated alarm;
theft of a vehicle with documents, ignition keys, alarm key fobs.

No harm to the car itself

pinpoint damage to the paintwork, these include small scratches and chips;
damage to the tire, decorative cap;
theft of any type, unless the vehicle is involved;

Malfunctions

breakdown of parts of components and assemblies;
identification of manufacturing defects;
electrical equipment malfunction;
failure of the brake system.

External factors

fraud or extortion;
exposure to a nuclear explosion or radiation;
hostilities;
non-return from leasing or rental.

Negligence of the policyholder

It is this point that is very important to consider when studying what is included in CASCO insurance.

Using a vehicle outside the insurance territory.
When using fire to heat a car or engine.
Damage caused by the transportation of dangerous goods, unless we are talking about special equipment.
Using the car in racing, testing, competition or learning to drive.
Damage resulting from loading or transportation by other means.
Careless handling of fire or cigarettes, which led to damage to the interior.
Causing intentional damage by both the driver and passengers.
Driving while under the influence of alcohol or drugs.
Transfer of a vehicle to a third party who is not included in the policy, does not have a driver’s license of the appropriate category, and drives the car illegally (without the appropriate documents).
When leaving the scene of an accident.

Additional CASCO options

When considering what is included in CASCO insurance, it is very important to take into account the additional benefits of certain programs offered by the company. Some of them simply increase the attractiveness of the offer, but there are also those whose presence is sometimes considered mandatory.

Add-ons include: tow truck services, roadside assistance, collection of documents and certificates, replacement car for repairs from the scene of an accident, delivery of directions for repairs, free taxi, 5% payment without certificates, replacement of glass and headlights without certificates and much more. Each option has specific conditions of use and is selected individually.

The CASCO registration process looks quite simple. However, there are a lot of subtleties, additional options and other factors that not only complicate the choice of a specific policy, but also increase its cost. Therefore, sometimes it is better to use the services of professionals who will tell you how to profitably and easily purchase what you need specifically for your purposes.

CASCO holders are sometimes lost and do not know what to do if an insured event occurs. If everything is clear with compulsory motor liability insurance, since the regulations are enshrined at the legislative level, then the algorithm of actions for CASCO raises questions.

In order not to get into trouble and to do everything correctly if your car was damaged or stolen, you need to know clearly what is required of you in such cases.

CASCO insurance is voluntary. Accordingly, the range of options within this policy is much wider than with compulsory motor liability insurance. In addition, CASCO is a necessary purchase if you buy a car on credit (banks do not approve a loan without issuing such a policy), since it protects the owner from such unfortunate events as theft or damage to the car by natural forces.

A complete list of CASCO options can be found in the insurance company from which you bought it or are planning to buy it. Full coverage includes the following cases:

An accident that could happen not only on the roadway, but also in the areas adjacent to it.
You accidentally drove your car towards some obstacle - a curb, a barrier, a pole. Two important points: the accident must be unintentional and the car must be damaged in such a collision.
Vandalism, hooliganism and other crimes against your property (car).
Car theft – simply put, theft.
When a stone from the road surface hit the glass.
Any car fire is independent, due to lightning, etc.
Any damage to the car by the elements - an icicle falling from the roof, ice during a hailstorm, trees falling on the roof and any other cataclysm.
Any damage to the car by animals.
The car is completely destroyed due to one of the above cases.
Destruction or damage to additional equipment during a collision or at the hands of third parties (thieves, vandals, etc.).

A separate item is the category of road accidents, since there are many types of them. CASCO from some companies may include several of them, while another insurance company may not have such an offer. This should be taken into account and you should know exactly which cases are considered insured by your insurance company.

Important! The list of events that CASCO covers must be given in the contract itself (or in its official amendment).

Under what circumstances does CASCO not pay?

The policy has a number of restrictions - Insurance companies may not recognize your case as insured if:

At the time of the incident, the car was not driven by the owner or the driver included in the policy.
The driver was drunk or under the influence of substances (medicines prohibited from driving after taking them, drugs, etc.).
At the time of the incident, the car was located outside the official road and adjacent infrastructure.
The driver had an expired license or no license at all.
There was negligence - the safety precautions for driving a car, the necessary algorithm of actions when braking or moving, etc. were ignored.
Traffic rules were violated.
The car was impaired and should not have been used, but the driver did it anyway.

Also, payment may be refused if the incident turned out to be premeditated - you damaged the car on purpose in order to receive a monetary reward under the insurance policy.

In addition, you must comply with the contract. If you violated any of the regulations specified in the contract with the insurance company, you may not receive payment. Documents not filled out correctly or not fully provided will also slow down the decision of the Investigative Committee regarding your case.

Procedure in case of an insured event

If an insured event occurs, you must:

Make sure that it is included in the list of cases described in the insurance contract.
Record what happened - this is done with the help of the traffic police or the police (depending on the nature of the case). Also, it is better to inform the insurance company immediately or within the period specified in the insurance contract.
Collect documents and write an application to the Investigative Committee.
Wait for a technical inspection of the car (submit the car for technical inspection) and a specialist’s opinion on the nature of the damage, its causes and further actions.
Based on the results of the verification, receive a payment.

How to file an insurance claim under CASCO

An insured event is processed in several stages.

First, a traffic police officer (if an accident involving a second person) or a police officer is called to the scene of the incident. They must inspect the scene of the incident and draw up a report.

In the case of an accident, a protocol is drawn up along with a certified diagram. If there was a different case, simply the protocol and attached documents, audio or video files are sufficient.

After the protocol is drawn up, it is necessary to inform the insurance company about what is happening. Many lawyers generally advise calling the Investigative Committee first, and then the authorities.

The insurance company is obliged to give you a comprehensive answer to the question of what exactly it needs to file what happened under CASCO.

The list of documents usually includes:

Protocols from authorities.
Scheme of the incident (if an accident occurred).
Photo or video of what happened.
Documents for the car - PTS, certificate.
Insurance documents – OSAGO and CASCO.
Documents of the owner or driver - passports, driver's license.
A receipt indicating that you paid the duty.
Statement (copy) from the police - if your car was stolen.

Also, in case of theft, as a rule, you need to give the insurance keys, chips and alarm key fobs (if any).

Payments under CASCO

Payments will directly depend on what kind of policy you have and what happened. As a rule, companies send payment within 30 days from the moment your application is accepted. If no additional checks are required, and they immediately believe you (the situation is obvious), then you can get the money in two weeks.

The application itself is considered for as long as specified in the contract. Be sure to check if there is a similar item in it, since this is where insurance companies really like to “shirk”, postponing everything and postponing consideration until it is too late to pay something to someone.

Payments are transferred to the client's account - you should have indicated it when registering the policy. In this case, the money can be:

free - without being tied to what they must do;
for intended use - if the insurance company pays for repairs, for example.

Also, during repairs, payments often go directly to the repairman who will restore the car.

What can you do to prevent your beloved car from being damaged by a bird strike or hail in broad daylight? You need to have the gift of foresight or not leave the garage. Or you can apply for CASCO insurance. Of course, this will not protect your car from damage, but you can easily fix it.

Before taking out an insurance policy, it is important to find out how it works, in what cases it is useless and how to act correctly in case of an accident and other incidents. You will learn more about this below. If you already have questions about receiving payments under the policy and you do not know whether the document works in your specific situation, consult a lawyer.

Features of CASCO

CASCO is insurance that allows you to receive a cash payment in case of damage or theft of a car. It is drawn up in the form of a document on a special form. The paper has watermarks and fiber “impregnations” - this protects the document. The form must have a strictly “live” stamp and a handwritten signature of the responsible person, as well as a barcode that helps to quickly determine the authenticity of CASCO.

The policy itself must contain the following information:

information about the policyholder and the car;
CASCO insurance conditions;
data about drivers who drive cars;
risks that are insured under CASCO (this is important!);
insurance amount, i.e. the total cost of the car at the time of registration of insurance.

A receipt must be issued along with CASCO insurance. This is an integral part of the contract; CASCO does not work without it. The presence of the receipt is controlled by the state; moreover, it serves as confirmation of payment for CASCO insurance.

Insured events that CASCO protects against

Insured events are specified in the policy. Examples of situations when a CASCO policy works:

car falling into water;
impact or collision with moving or stationary objects (animals, birds, buildings, etc.);
car crash;
natural disaster, fire;
explosion;
illegal actions of other persons and more.

On a note. You can choose individual cases for car insurance with optional insurance. A number of options for which the policy works are included automatically and do not require separate mention.

How does CASCO insurance work?

To understand how a car insurance policy works, let's look at examples of insurance cases. Let's see how CASCO works in case of an accident, damage and car theft.

How to receive a CASCO payment in case of an accident

If the damage to the car was caused by an accident, then in order to receive payment under the insurance policy, the driver must act as follows:

Do not leave the scene of the incident before drawing up documents.
File an accident. By the way, if two cars were involved in the accident and there were no casualties other than the vehicle, then you can arrange everything yourself by drawing up a European protocol. If there are victims or more than two cars are involved, you should call the traffic police.
Call the insurance company and tell about what happened. The earlier the better!
Collect a package of documents and send it to the insurer along with the application.

How much will the driver get? It all depends on the examination, which will be carried out either by the insurance employees themselves or by a specialized company. The policy works like this: the driver receives money or repairs for the damaged car. The type of compensation is determined at the conclusion of the contract.

The insurance company is obliged to make a payment, even if the insured is at fault for the accident. But there are exceptions: intentionally committing actions that caused damage to the car; drunk driving, gross violation of rules.

Even if the policyholder is not at fault for the accident, he may be denied payment under CASCO for the following reasons:

violation of CASCO terms (driving a car by a person not specified in the contract);
untimely provision of documents (the deadlines are specified in the contract);
providing incorrect data when applying for CASCO insurance;
liquidation of the insurer;
concealment of information about what happened, etc.

There are many insurance companies, among them there are also unscrupulous ones that do not pay insurance. When choosing, pay attention to the ratings of insurance companies and reviews about them.

What to do if your car is damaged

Let's imagine that there was a strong hailstorm in the city and seriously damaged a car. How does CASCO work in this case? To receive a payment, follow the algorithm:

Check your CASCO agreement - is there a clause stipulating payment for such damage? If not, your insurance claim may be denied. If found, then move on.
Take a certificate from the meteorological center, which indicates what the weather was like on the day the car was damaged. This is a paid service. The certificate is issued on the day of application. Save the receipt and attach it to the rest of your documents.
Prepare a standard set of documents: CASCO insurance policy, copies of documents for the car, documents for the car owner (or applicant), power of attorney to drive the car (if necessary).
Go to the police with all the papers so that the employees can confirm that there is damage to the car.
Now you can go to the insurance company (don’t forget the police certificate). Insurance company employees will look at the car again to make sure there is damage indicated in the certificate. Next, the amount of repairs to eliminate the consequences of hail will be determined.

Important. If the damage was caused by a collision with a deer or other animals, contact the traffic police. If the damage was caused by human actions, then report it to the police department.

It happens that after damage the car cannot be restored at all - the risk is called “total loss”. Damage is 75% or more. Then the CASCO payments will be equal to:

the maximum amount of compensation if the car is transferred to the insurance company;
the difference between the maximum amount and the usable balances if the vehicle remains with the owner.

For your information. Insurance compensation in case of total loss of the car is determined by agreement between the insurer and the insured.

What to do if it's stolen

If the car is stolen, then CASCO compensation is paid in full. But some companies subtract depreciation from the reimbursement amount, which is determined daily or monthly.

The policy of many insurance companies does not work in case of theft if:

the car was stored in violation of the rules: not in a garage or in a guarded parking lot;
keys or vehicle documents were left in the vehicle;
At the time of the theft, the anti-theft system was not working.

Check all the details of your insurance in advance. Check the terms of the contract carefully before signing it. It is important that the points are spelled out clearly, without double interpretations.

Sources:

Are there any other questions?

Find out the solution from specialized companies
Get an initial consultation from several companies for free

17 companies are connected to this service

Find a company in a few clicks >

Denis Frolov

The situation in the car insurance market is currently ambiguous. The CASCO insurance policy has literally risen in price several times. At the same time, many insurance companies with a seemingly impeccable portfolio have ceased their activities in this market. All this leads to increased consumer refusals from CASCO insurance. But there are situations when you cannot do without this type of insurance: a car loan, the inability to park a new expensive car in a guarded parking lot, etc. Naturally, when paying for an expensive service, the policyholder must know about his rights and be most fully informed about all the nuances of insurance cases. Often insurance companies do not explain the “full layout” to the client. The reason for this is simple: any payments are unprofitable for the insurer; the company must remain in the black. But any sane person, when insuring a car under CASCO, always thinks about how to “recoup” the money invested in the policy. Therefore, it is important to know the algorithm of actions, the necessary documentation and your rights when an insured event occurs under CASCO. And, in fact, what exactly can be considered an insured event.

Theft (vehicle theft);
Damage to the vehicle, as well as additional equipment, as a result of hitting an obstacle or the actions of third parties (illegal or negligent). A list of additional equipment (for example, wheels, rims) is usually prescribed when drawing up an insurance contract. As a rule, the price of insurance increases with more additional equipment insured;
Complete destruction of a vehicle as a result of the actions of criminals or a natural disaster. But, if you consider a disaster, you should carefully re-read the contract with the insurance company. Natural disasters often fall under force majeure circumstances. In this case, the insurer does not make payments.

Insured events under CASCO without an accident are considered:

Hitting an obstacle (e.g. parking post, fence) without causing damage to third parties
Damage to the vehicle without the involvement of another vehicle (for example, damage to the paintwork with a sharp object, puncture of tires, broken glass, etc.)
Accidental damage to glass elements of a car (headlights, windshield): as a rule, chips from something flying off the road surface, etc.

An insured event under CASCO without certificates usually involves minor damage (for example, glass elements). In this case, it is enough to drive up to your company to inspect the vehicle and the damage will be fixed on the spot. Sometimes, if the company’s expert decides, damage to the paintwork may be included in the list of minor ones. As a rule, if there are no obvious consequences of a collision with another vehicle.

In other cases, it is necessary to call the emergency commissioner. Acts of vandalism or theft against a vehicle must be recorded by the police.

Actions of the holder of a CASCO policy in case of an accident and other insured events

What to do when an insured event occurs under CASCO insurance is a natural question for the policy owner. The algorithm is quite standard. But when issuing a CASCO policy, the insurer does not always describe it in detail. Therefore, here is a list of necessary actions in case of an insured event:

Calling an inspector or emergency commissioner to record the incident. Do not rush to call the commissioner if you do not admit guilt. Payment for its services usually falls on the call initiator;
If you do not plead guilty, do not rush to file an accident as a CASCO insurance case. With subsequent insurance, each CASCO claim automatically increases the personal rate. Therefore, if there is an opportunity to compensate for real damage under OSAGO, it is better to take advantage of it;
According to the new rules, the accident commissioner submits an accident plan with the signatures of all participants to the traffic police. But the participant in the accident must collect the documents and submit them to the insurance company;
If there is no dispute about guilt among the participants in the accident, you can draw up a diagram of the incident yourself;
Notify the insurance company about the accident within the time period specified in the contract. As a rule, no more than 3 working days are allotted for notification;
The car is presented to the insurance company for inspection. The policyholder participates in the inspection together with the agent, writes a statement, and provides documentation on the incident.
Within the time period established by the contract, the insurance company must provide the policyholder with a document confirming the sending of the car for repairs or (optional), or the conclusion of an expert commission on the refusal to compensate for damage.

Documentation

Required documents for CASCO insurance case:

Identity document;
Originals and copies of driver's license and vehicle registration documents;
CASCO policy (usually check the expiration date);
Road accident diagram certified by the State Traffic Safety Inspectorate;
In case of theft, it is necessary to provide the remaining vehicle keys, chips, alarm key fobs;
In case of theft, a copy of the application to initiate a criminal case is also required;

Please note that the insurance company may additionally require its own package of documents if such a need arises.

Read what to do if your car is stolen.

Conclusion

Is it necessary or can you do without it: each driver weighs his own risks. But a car owner who decides to insure a vehicle under CASCO must remember simple rules:

Choose a company that has been operating in the insurance market for several years and has a reliable reputation;
Carefully read the insurance contract, discuss all the nuances before signing the contract;
Remember the algorithm of actions in the event of an insured event. Do not hesitate to contact your company if in doubt;
Pay close attention to the clauses of the contract, which indicate cases in which CASCO insurance is not paid (the list is quite standard, but companies have their own characteristics).