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Добрый день. Уважаемые эксперты, моему другу отказали в страховой выплате. Подскажите пожалуйста, что можно предпринять. Заранее благодарен Юрий Греда. P.S. Копию заключения № 14 от 12.01.2009 ,мой друг не получал.
Приложение: Краснодарским филиалом ЗАО « СКПО-УралСиб» рассмотрено Ваше заявление о страховой выплате в связи с повреждением автомобиля ВАЗ….. вследствие ДТП произошедшего 31.10.2008 г. Согласно предоставленных в страховую компанию документов, повреждение Вашего автомобиля произошло в результате столкновения с автомобилем ВАЗ…….Однако анализ повреждений Вашего автомобиля свидетельствуют о том, что они не могли быть получены в результате описанного ДТП. Данный вывод подтверждён результатами независимой Экспертизы ( заключение № 14 от 12 01 2009), проведенной экспертами «Межрегионального центра независимой экспертизы» г. Краснодара. В соответствии с п. 7 «Правил обязательного страхования гражданской ответственности владельцев транспортных средств», утверждённых постановлением Правительства РФ от 07.05.2003 № 263, страховым случаем признаётся наступление гражданской ответственности страхователя, иных лиц, риск ответственности которых застрахован по договору обязательного страхования, за причинение вреда жизни, здоровью или имуществу потерпевших при использовании транспортного средства. Поскольку ДТП не могло произойти при обстоятельствах, указанных в предоставленных документах, гражданская ответственность нашего страхователя за причинение ущерба Вашему автомобилю отсутствует, что исключает признание произошедшего события страховым случаем. В связи с отсутствием страхового случая, в страховой выплате Вам отказано.
Обсуждение
Неизвестный
27.02.2009, 14:36
общий
А вы можете уточнить есть ли в пакете документов, схема от сотрудников ГАИ самого ДТП?. Если есть, то подавайте в суд на эту страховую компанию. Что ж выходит что Милиция с фабриковала документы?
Неизвестный
27.02.2009, 16:22
общий
это ответ
Здравствуйте, Греда Юрий ! Во-первых, нужно получить копию независимой экспертизы, чтобы удостовериться в основаниях отказа. В отчет присутствует акт осмотра, где расписываются все повреждения, в том числе повреждения, не относящиеся к данному ДТП. Оцениваются повреждения, соответствующие справке об участии в ДТП. Водитель вступил в сговор с сотрудником ГАИ, который указал несоответствующие повреждения? Во-вторых, потерпевший вправе провести самостоятельно независимую экспертизу, и если проведенной экспертизой будет установлено, что повреждения получены при данном ДТП, то можно смело обращаться в суд, а также написать жалобу в РСА, страхнадзор.
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