How to get compensation if you accidentally hit an animal on the road?
We continue our weekly column “the Advice avtoyurista”, in which Nizhny Novgorod experts provide comprehensive information regarding any of Nizhny Novgorod motorists legal issues. And this time we will talk about unusual insurance cases, which, somehow, may happen to every driver.
As we know, our band found a lot of wild animals which periodically getting pretty close to civilization, in particular – live next to roads. Basically it is different even-toed ungulates like deer and moose . often becoming the cause of accidents, scary both for themselves and for motorists.
But even if the collision does not suffer neither the driver nor the animal, the question still remains: how to get compensation from insurers after such an accident? That was the situation faced by one of our readers:
“Such a thing. Recently rode not far from the Vetluga, the road was quiet, all without incident, when suddenly in the side of my car with the tree crashed very fast elk. Thank God, all alive, and I was not injured, and the animal whole. Only one small problem: right after the incident shocked the elk ran back into the forest. The DVR I have, and how dokazatelstvom that happened to you this absurdity is unknown. Of course, I just left a decent dent in the side. The question is, what should I do to get paid, and can I still count on it?” – Nizhegorodets asks Anton Belov.
The expert’s response
To answer this question, we turned to Denis Ekisheva, the Director of one of the legal agencies in Nizhny Novgorod:
“A similar case is considered by insurance agencies only if the owner has comprehensive insurance. The fact that CTP implies the responsibility of the culprit, but in this case not guilty people, and if that deer suddenly not insured, payment is impossible to achieve. In order to receive the insurance compensation for such damage, you need to consider that this type of insured event must be pre-registered in the contract. In addition, the victim should document the fact of the accident by calling on a scene of traffic police. Even in the absence of animal expertise will show characteristic damage to the vehicle that confirm your version of events. The fact that the victim has no record of the DVR is not critical, since only one Entry would not be sufficient reason for insurance companies to pay compensation” – meets avtoyurist.