Broken glass in the car in the yard
Many drivers leave their cars not in paid guarded parking lots, but in the courtyard of the house under the windows. They think that once the car is in sight, nothing really bad will happen to it. However, according to statistics, it is these cars that are most stolen. We have already talked about the most frequently stolen car models on our website Vodi.su.
Other annoying troubles can happen, one of which is broken glass. The situation is familiar - you leave the entrance in the morning, and the side or windshield is completely broken, or there is a huge crack on it. It is clear that driving somewhere will be problematic. What to do in such a situation?
What to do if there is CASCO?
In this case, you need to act quickly, because anyone can be a pest:
- local hooligans;
- neighbors who have a grudge against you;
- not the most professional car thieves (would be professional, then you would think what to do when stealing a car);
- the glass was broken by some drunkard.
If there is CASCO insurance, then you need to remember the terms of the contract: is glass broken in the yard an insured event, is there a franchise. Perhaps the insurance company will say that the owner of the vehicle did not take all the security measures.
It is also necessary to check if anything from the passenger compartment is missing - a radio tape recorder, a DVR or an anti-radar detector, or if they fumbled in the glove compartment. If there is a fact of theft, then the case falls under criminal liability.
Thus, the sequence of actions in the presence of CASCO should be as follows:
- call your insurance agent;
- if there are stolen items, call the police.
The insurance agent will record the fact of broken glass. The arrived patrol will advise you to assess the amount of damage and write a statement to the police. The insurance company will help you estimate the amount of damage. Then this amount must be entered in the application, it is filled in according to the established model on a blank sheet of A4 format.
After you submit an application, you are given a coupon and a criminal case is opened. Then the car is inspected by an expert, he describes all the damage, and you are given a certificate of damage. A copy of the damage certificate will need to be attached to the application that you write to the insurance company.
In addition, additional documents must be submitted to the UK:
- certificate of initiation of a criminal case;
- personal passport;
- PTS, STS, VU.
There is one problem here - you will receive any payments from the insurance only after the closure of the criminal case, because there they will hope to the end that the thieves will be found and the amount of damage will be pulled from them. Therefore, even at the stage of initiating a criminal case, it can be written that the damage is insignificant - they need this to complete the case as soon as possible. You will receive a notification by mail that due to the lack of evidence, the perpetrators have not been found.
With this certificate, you need to go to the insurance company and choose the method of compensation - monetary compensation or installation of new glass at the expense of the insurance company at an authorized car service. As often happens, many drivers do not wait for the end of all this red tape and repair everything for their own money, so they choose monetary compensation - for this you need to specify bank details or transfer a photocopy of a bank card.
Of course, each insurance company has its own procedure, so read the contract carefully and act in accordance with its clauses.
What if there is no CASCO?
If you do not have CASCO, and the car is not in a garage or in a guarded parking lot, then you can only sympathize - this is a very short-sighted act on your part. No alarm or mechanical protection will save your car from the clutches of professional car thieves.
Moreover, it is also not necessary to expect any compensation from the insurance company - OSAGO does not cover such expenses.
There are several options left:
- contact the valiant policemen;
- sort things out with neighbors;
- look for the hooligan who broke the glass on your own.
It makes sense to contact the police only in the following cases:
- the glass was broken and something was stolen from the salon;
- the glass is broken and you guess who did it.
In any case, only the one who committed this crime will compensate you for the damage. Do not think that the police are already so powerless - for example, a stolen radio tape recorder can easily “surface” in a pawnshop in your area or appear in ads for sale.
The precinct officers, as a rule, keep a note of all unreliable residents of the house, who have previously come across such misconduct.
After you have written an application and started a case, you can go to the service station and order new glass for your money. It also makes sense to think about more reliable car protection - renting a garage, parking spaces, installing a more modern security system.
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