Realization of insurance payment

66. In a case if upon road and transport incident criminal case has been brought, the victim represents to the insurer documents investigatory and (or) judicial bodies about excitation, stay or about refusal in excitation of criminal case or the judgement which has entered validity.

67. The insurer has the right to request independently competent bodies and the organizations about granting of the documents provided by points 51, 53 - 56, 61 and 66. The insurer has the right to request granting only the documents necessary for the decision of a question on insurance payment taking into account character of a damage, caused to the concrete victim. The insurer has the right to make the decision on insurance payment in a case непредставления any of the documents specified in the present Rules if their absence essentially doesn't affect definition of the size of insurance payment.

Documents and the conclusions necessary for the decision of a question on payment of the insurance sums under the contract of obligatory insurance, are given by inquiries of the insurer free of charge, except for the cases provided by the legislation of the Russian Federation.

68. In a case if insurance payment under the contract of obligatory insurance should be paid several victims and the sum of their requirements regarding compensation of the harm caused to life or health, or the harm caused to property, shown to the insurer at date of the first insurance payment on this insured event, exceeds the insurance sum on obligatory insurance, insurance payments are made proportionally to the relation of the insurance sum to the sum of the specified requirements of victims.

Thus requirements about compensation of the harm caused to life or health, and the harm caused to property, are considered separately, proceeding from the sums provided by point 10 of the present Rules by corresponding kinds of caused harm.

The size of insurance payment on one insured event can't exceed the sums specified in point 10 of the present Rules.

69. The insured accepts measures reasonable and accessible in the circumstances with a view of reduction of losses. The expenses made with a view of reduction of losses (granting of a vehicle for delivery of the victim in road and transport incident in medical institution, participation in liquidation of consequences of road and transport incident etc.), are compensated by the insurer even if corresponding measures have appeared unsuccessful. Degree of participation of the insured in reduction of the harm caused by a vehicle, and the size of compensation of expenses are defined by the agreement with the insurer, and in the absence of the consent of the parties - court.

70. The insurer within 15 working days from the date of reception of the documents specified in points 44, 51, 53 - 56, 61 present Rules, draws up the statement about insured event on which basis carries out insurance payment to the victim or directs the notice in writing on full or partial refusal in payment with instructions of causes of a failure.

71. In the certificate about insured event on the basis of available documents (the conclusions, accounting, accounts etc.) calculation of insurance payment is made and its size is underlined. The certificate copy about insured event is transferred by the insurer to the victim.

72. The victim has the right to demand from the insurer to make the part of the insurance payment corresponding to actually certain part of specified harm, to a complete definition of the size of harm subject to compensation.

73. In case of occurrence of disagreements between the insurer and the victim concerning the size of the harm which is subject to compensation under the contract of obligatory insurance, the insurer is anyway obliged to make insurance payment in a part neocoupled by it.

74. If insurance payment, refusal in insurance payment or change of its size depend on results of manufacture on criminal either to a civil case or business about an administrative offense, term of insurance payment can be prolonged before the termination of the specified manufacture and judgement coming into force.

75. Insurance payment is made by cash or the clearing settlement within 3 working days from the date of decision-making on realization of insurance payment according to point 70 of the present Rules.

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