How to identify damage in an accident?

Insured event causes many a state of shock. Still, fire, explosion, accident or other disaster happens to us every day. And yet, by any incident should be ready, because the insurance case requires swift action, otherwise you may end up with nothing. One of the most important points is to determine damages. To do this, you should promptly apply to the competent authorities. In what? It all depends on the nature of the accident. So, if we are talking about theft, arson, willful damage to property - to the police in case of fire - fire to the bodies, if the apartment was flooded, or there was an explosion of gas, should contact the utility, in case of collision of vehicles or traffic accidents on the road - the traffic police, disaster relief - in the MES. In any case, you must register the fact of damage or destruction of property, and obtain documentary evidence of this. And it must be done as soon as possible. Preferably within the period specified in the contract of insurance. Only after using the previous action should consult with a written statement to the insurance company. It must be done will be giving details of the date, reason, nature of damage, as well as providing help. By law, after receiving the insurer shall, within 2 weeks to inspect the damaged object and verify all information given to him. Inspection can be made both in the presence of the competent authority, and without it. In addition, the insurance company to find out whether the insured property at the time of the event. The fact that the insurance contract could not enter into force (for example, if it has not paid the premium) or, conversely, discontinued (expired, was not made an insurance payment, etc.). If the contract is all right, but the incident has been recognized as an insurance, based on the application of the insured is made of the insurance act. As a rule, the compilation of this document is given 5-10 days after receipt by the insurer of the application. The act states that the property was damaged or destroyed. Finally, we come to the most important thing - the insurance benefits. Monetary compensation is made within the period prescribed by the insurance contract after the insurance company all necessary documents and drafting of the insurance certificate. Typically, the entire amount credited to the account of the insured or paid in cash, if the victim - a natural person. However, there are such precedents, and when the insurer admitted insurance case, but for a long time does not pay the insurance payment. In this case, the policyholder has the right to file a claim on the company, and then the responsible party will fulfill all its obligations through the courts.