In this case insured losses shall be defined as events resulting in damage or loss of the motor vehicle, namely:
the "TRAFFIC ACCIDENT" variant — a traffic accident, collision of other motor vehicles or objects moving along the road with the stationary insured motor vehicle;
the "HIJACKING" variant — a theft or attempted theft of the insured motor vehicle, hijacking, robbery, wrongful acts of third parties not related to stealing;
the "NATURAL DISASTER" variant — storm, flood, earthquake, land slide, hail, spontaneous fall of objects on the insured motor vehicle, animal attack, fire, explosion.
The following damage or loss of the motor vehicle SHALL NOT be regarded as insured losses:
during its transportation by motor, railway, water or air transport, except for cases when the insurer's liability for such risk is stipulated by the insurance contract;
during loading or unloading of the motor vehicle;
as a result of military operations, civil disturbances, effects of radiation exposure;
in case of its use by the insured as a means of a crime, which is evidenced by a certificate issued by law-enforcement bodies;
in case it is put at the disposal of militia or health protection bodies personnel for the purpose of its use in the course of fulfillment by them of urgent official duties;
as a result of safety rules violation at repair and servicing, violation by the insured of operational regulations, requirements of the Traffic Regulations with respect to the technical condition and equipment of the motor vehicle and obligations of the insured as a driver at the onset of the traffic accident;
because of technically defective parts, as material losses resulting from such an event must be recovered under warranty policies of the manufacturing plant or sales organization;
in case of its towing with violation of the Traffic Regulations' requirements;
in case of violation of training drive requirements.
Also the following SHALL NOT be regarded as the insured loss:
tire and disk damages in case they do not result in damage or loss of the motor vehicle;
loss of the motor vehicle as a result of unlawful possession (acquiring the right to property) by false pretence or by way of misuse of confidence (fraud), by way of blackmail as well as in consequence of other events not provided for as insured losses;
arrest of the motor vehicle by law-enforcement, customs or tax bodies or its seizure.
WHAT SHOULD BE DONE? In case of a traffic accident:
turn on warning lights and place the breakdown triangle;
do not take the motor vehicle from the place of the traffic accident, do not move things related to the event to another places;
call in personnel of the motor licensing and inspection department;
write down names and addresses of witnesses to the event;
take from personnel of the motor licensing and inspection department a copy of the Protocol of administrative violation and the Certificate of participation in a traffic accident with indication of mechanical damages caused to the motor vehicle;
immediately notify the "Oranta" Incorporated of the traffic accident;
without the written consent of the "Oranta" Incorporated do not repair the motor vehicle until it is inspected by the Company's personnel;
within 2 days submit a claim for payment of insurance indemnity with complete description of the event's circumstances.
while at the place of the accident, do not undertake any written obligations — being in an affective state, it is difficult to correctly evaluate your actions before the motor licensing and inspection department and recollect the situation, which was created, in every detail;
It is impermissible to sign a blank sheet, on which an inspector, as if in a hurry, promises to draw the traffic accident's layout later — this layout may become a sentence passed on you.
In case of a hijacking:
submit a written statement of hijacking to the internal affairs department at the place of the event;
immediately notify the "Oranta" Incorporated thereof;
within 2 days submit to the "Oranta" Incorporated a statement containing the following data:
number of the insurance policy;
motor vehicle's make, its state registration number;
date, time and place of stealing (a garage, parking place, building near which the vehicle was parked etc.), other circumstances of the event;
details of the Ministry of Internal Affair's department, where the statement of stealing was made (last, first, middle name and the telephone number of the investigator are advisable).
In case of a natural disaster:
immediately notify the "Oranta" Incorporated thereof;
within 2 days submit a claim for payment of insurance indemnity drawn up according to the set form with description of the event's circumstances;
present the damaged motor vehicle to the insurer for inspection;
without the insurer's consent do not repair the motor vehicle, except for performance of works necessary for its transportation.
DOCUMENTS NECESSARY FOR INVESTIGATION OF THE INSURANCE CASE:
a written claim for payment of insurance indemnity drawn up according to the set form;
original policy or insurance contract;
original Transport Facility Registration Certificate;
confirmation of the property right and/ or the right to drive (dispose of) the motor vehicle and a waybill (for legal entities);
driving license of the person driving the motor vehicle at the moment of the traffic accident;
in case of a traffic accident — a copy of the Protocol of administrative violation and the Certificate of participation in a traffic accident with indication of mechanical damages caused to the motor vehicle;
other documents confirming the fact and circumstances of the onset of the insured loss, the amount of losses etc. — upon demand of the insured.