We suggest you familiarize yourself with practical recommendations for actions in unforeseen situations. They will help you promptly respond to the occurrence of an insured event and receive insurance compensation in a timely manner.

1. Actions in case of an accident.

Immediately call the traffic police officers to the scene.
If the accident occurred on the highway, ask drivers passing by to call a patrol from the nearest traffic police post.
Do not rearrange the car after the accident and do not touch anything at the scene of the accident (avoid problems with the issuance of a certificate by traffic police officers).
Do not sign anything until you are sure that the accident scheme, explanations and testimonies of other participants are true. If there are witnesses to the incident who are ready to confirm your innocence, demand that they be entered in the protocol. By the way, your passengers are also considered full witnesses.
The traffic police officers are obliged to send you for a medical examination for the presence or absence of alcohol in the blood. Keep in mind that the absence of such a medical certificate may be the reason for the denial of insurance compensation.
If the accident occurred as a result of a collision with another car, ask the driver about which insurance company insures his civil liability (better write down the policy number and the name of the insurance company, you will have to apply there if you are injured). If you are to blame for the accident, then tell the victim the number of your OSGO policy, and leave the phone number of KAFIL-SUG`URTA LLC.
Contact the regional division of KAFIL-SUG`URTA LLC. (to whom the policy was issued) with a written statement about the accident that occurred within the period specified in the insurance contract (usually 3-5 days).
Do not repair the car until it has been inspected by representatives of the insurance company.
Contact an appraisal organization to determine the amount of damage caused to your car. In most cases, the employees of the investigation department (inquiry department) of the Road Traffic Safety Inspectorate will ask you to submit an appraiser's report to draw up an opinion on an accident.
If you are insured under CASCO, but at the same time you are an injured person, then, according to the OSGO Rules, you must first be paid insurance compensation for compulsory insurance (by the insurance company responsible for the accident), the difference under the voluntary insurance policy.
To receive the insurance indemnity, you must submit the following documents:
• insurance policy and insurance contract,
• your passport, a copy of the owner's passport and a copy of the power of attorney if you are driving by proxy,
• vehicle registration certificate,
• damage assessment report,
• medical examination for the presence or absence of alcohol in the blood,
• opinion of the traffic police officer on the fact of the accident (or a court decision, if there is one),
• details of the current account and details of the bank to which you should transfer the insurance indemnity.

2. Illegal actions of third parties.

one). Call the police. An internal affairs officer must go to the scene of the incident to draw up an act of inspection of the scene of the incident (in extreme cases, a protocol).
2). You must submit an application to the territorial police department with a request to initiate a criminal case. In the application, please do not write “I have no claims against anyone” - this deprives the insurer of the right to recourse.
3). Apply to KAFIL-SUG`URTA LLC with a written statement about the event within the period specified in the insurance contract (usually 3-5 days).
four). To receive the insurance indemnity, you must submit the following documents:
• insurance policy and insurance contract;
• the passport;
• Copies of decisions certified by the investigating authorities to initiate or suspend a criminal case due to an event or to transfer the case to court;
• damage assessment report;
• details of the current account and details of the bank to which you should transfer the insurance indemnity.

3. Actions in case of fire.

one). Call the police and firefighters (it is necessary to call firefighters even if the car has already burned down).
2). You must obtain a certificate from the firefighters about the fire, indicating the make, model, state registration plate of the car, a list of damages, the date and place of the incident and the probable cause of the fire, and from the police - a notice of initiation of a case.
3). Apply to KAFIL-SUG`URTA LLC with a written statement about the event within the period specified in the insurance contract (usually 3-5 days).
four). Keep the car in a damaged condition until it is inspected by an insurance company specialist.
5). Contact an appraisal organization to determine the amount of damage caused to your car.
6).To receive the insurance indemnity, you must submit the following documents:
• insurance policy and insurance contract;
• the passport;
• certificate (protocol, act) of the fire safety department (OPB) of the territorial ATC;
• Copies of decisions certified by the investigating authorities to initiate or suspend a criminal case due to an event or to transfer the case to court (if there was arson);
• damage assessment report;
• current account information and