How do I get a normal insurance payment

This question asks himself, anyone who plans to appeal to the insurance company. It is not uncommon when people try to "negotiate" or find mutual friends, through which it would be possible "to resolve the issue." Most of applying for insurance payment occurs without "gray" schemes, that is simply the victim comes to the Department of the settlement losses of the insurance company and submit an application for payment, enclosing the necessary package of documents, hoping he'll be good and your money he will receive. As far as his hopes justified? Can you really get a normal payment, without making any additional effort? Or is it necessary to insure and take some action? Let's start from the beginning.

The procedure for submission and consideration of applications for payment
First of all, in order to rely on the insurance payment at all, The journal recommends to act strictly in accordance with the terms of your contract with the insurance company. That is, when the insured event must perform a series of actions envisaged in the insurance contract:
to fix the fact of the insured event to the competent authorities (police, traffic police, emergency, etc.)
notify the insurer in term specified in the contract,
collect and provide to the insurance company the necessary documents,
to provide the damaged property for inspection representative of the insurer (without a before any repair actions).
After you perform these steps, the insurance company is obliged to arrange an independent assessment to determine the amount of damage suffered by you or to organize and pay for the repair of your property (by issuing a direction to the service, and invoice matching for repairs, etc.).
Then, after receiving the results of the assessment of the magnitude of the damage, the insurance company, in the allotted period of the contract, you must pay the insurance indemnity. And if the size of the compensation you want, then this your misadventures and run. But if not, then they just start!
The reasons for dissatisfaction

The reasons for which a client of the insurance company can remain unhappy, he produced the payment may be different. Conventionally, these causes can be divided into two groups:
The first group - a reason, step on the "fault" of the insurance company;
The second group - the reasons for that were due on the "fault" of the victim.
The reasons for dissatisfaction with the victim of insurance payments on the come "fault" of the Insurer are the following:
not included in the act of inspection of the damaged property of a number of parts. This can occur because of "inattention" of a person conducting the examination; due to the fact that these details were not specified in the certificate of the accident (the fault of the traffic police); due to the fact that the insurer considered data damage not related to the insured event, etc .;
In practice, these cases are not rare. Approximately every tenth inquiry on the accident, made up by traffic police, is not a complete list of fixed damage to a car. In this case, the victim has to re-apply to the traffic police to an employee to execute documents, has added the missing damage.