How to get the insurance payment?

Insurance payment may be called the key moment in the whole process of insurance. That it is the guarantor of security of the insured and the main reason why people subscribe to a policy. Thus, the insurance payment - a sum received by the insured in case the insured event, provided that the insurance contract. In order to receive insurance payments, the insurer must act quickly. First, you must notify the authorities about the incident. For example, if we are talking about the fire - fire protection authorities, if the accident occurred on the road - the traffic police, the disaster - the Emergencies Ministry, committed theft, arson, willful damage of property - the police, suffered damage to health - a medical service. In short, the fact of the insured event must be documented. This is followed by a written notice to the insurance company. That, in turn, will verify the information received and decide whether to cover the damages or not. In general, depending on the conditions of the insurance contract, insurance payment may be refunded in full or in part. For example, if the damage is associated with damage or destruction of property, insurance payments in the form of insurance compensation. Its value is determined by the property and personal insurance sum insured. If we are talking about the occurrence of any event in the life of the insured or third party insurance payment is an insurance coverage that is limited to a certain limit. How much wait time during which the insurer agrees to make insurance payments, usually specified in the contract of insurance. Typically, compensation is from 5-7 to 30 days. However, if the losses are too great, and elucidation of the circumstances under which the insured event occurred, is difficult, the insurer may increase the terms of payment or at the initial stage, only a limited advance. Basically, the insurance company lists the amount of money to the account of the insured or pay it in cash if the victim - a natural person. Refused to pay, however, is such that the insurer refuses to pay the policyholder. This can occur in the following cases: - Insured did not disclose in a timely manner about what happened the insurance case - insurance contract has been discontinued or not in force - Insured has provided false information the insurer - An insurance case has not been provided by the insurance contract; - The fact that the insured the case was not proved or recorded by the competent authorities; In all other cases, the policyholder has the full right to require the insurance company indemnity. Moreover, if the latter refuses to meet its obligations, the insured person has the right to sue the insurance company.