Tresspass to property of the victim

60. At a tresspass to property of the victim according to the present Rules to compensation within the insurance sum are subject:

Real damage;

Other expenses made to victims in connection with caused harm (evacuation of a vehicle from a place of road and transport incident, storage of the damaged vehicle, delivery of victims in medical institution etc.).

61. At a tresspass to property of the victim (to vehicles, buildings, constructions, constructions, other property physical, legal bodies) except the documents provided by point 44 of the present Rules, the victim represents:

The documents confirming the property right of the victim on damaged property or the right to insurance payment at damage of property, other person being in the property;

The independent expert appraisal conclusion about the size of the caused harm or the conclusion of independent technical expert appraisal about circumstances and the size of the harm caused to a vehicle if such examination is organized independently suffered (if examination is organized by the insurer, expert opinions are at it);

The documents confirming fee of the independent expert if payment is made by the victim;

The documents confirming rendering and fee on evacuation of damaged property if the victim demands compensation of corresponding expenses. Expenses on evacuation of a vehicle from a place of road and transport incident to a place of its repair or storage are subject to compensation;

The documents confirming rendering and fee on storage of damaged property if the victim demands compensation of corresponding expenses.

Expenses on storage from the date of road and transport incident about day of carrying out by the insurer of survey or an independent expert appraisal are refunded;

Other documents which the victim has the right to present to a substantiation of the requirement about compensation of the harm caused to it, including estimates and the accounts confirming cost of repair of damaged property.

62. The victim represents to the insurer originals of the documents provided by point 61 of the present Rules, or their copies assured notarially, or the person (body) who has given out documents, or the insurer.

For acknowledgement of payment of the got goods, the executed works and (or) the rendered services, originals of documents are represented to the insurer.

63. The size of insurance payment in case of a tresspass to property of the victim is defined:

In case of full  destruction of property of the victim - at a rate of the valid cost of property at date of insured event approach. As full  destruction it is understood also cases when cost of regenerative repair of the damaged property is equal or exceeds it доаварийную cost;

In case of damage of property of the victim - at a rate of the expenses necessary for reduction of property in a condition in which it was before insured event (regenerative expenses).

Regenerative expenses are paid proceeding from averages of the prices which have developed in corresponding region.

At definition of the size of regenerative expenses deterioration of parts, knots, units and the details used at a recovery work is considered.

64. In regenerative expenses join:


• expenses on materials and the spare parts necessary for repair (restoration);
• expenses on payment of works on repair;
• if the damaged property isn't a vehicle - expenses on delivery of materials and spare parts to a repair place, expenses on property delivery to a place of repair and back, expenses on delivery of repair brigades to a place of repair and back.

The additional expenses caused by improvement and modernization of property, and the expenses caused by time either auxiliary repair or restoration don't concern regenerative expenses.

65. The insurer has the right in coordination with suffered on account of insurance payment to organize and pay repair of the damaged property.

Responsibility for quality of repair before the suffered bears the person who has carried out repair.

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