What is the loss of the commodity value of a car, and by whom is it reimbursed?
Every third experienced driver at least oncegot into a traffic accident (it does not matter whether it was a scratch during parking or a serious accident). Everyone was dealing with an insurance company and a court. However, few of the Russian car owners know what is the loss of the commodity value of the car, and how it works. Therefore, today we will try to reveal the topic of this issue and consider all the peculiarities of TCB.
What it is?
Loss of the commodity value of the caris interpreted as a value indicating a reduction in the initial price of a vehicle due to an accident and an accident. But who is paying this difference in value, we find out at the end of the article.
Which machines are not suitable for TCB?
At once we will notice, that under this "size" approach notall cars. Thus, if your car is more than 5 (if it is a foreign car) or more than 3 (domestic car) years, its mileage exceeds the mark of 100 thousand kilometers, and the tire wear made from 40 to 100 percent, no court compensates you for the damage. The recovery of the loss of the commodity value of the car is possible only if the machine is not subject to the above prohibitions.
What parts of the car can I claim compensation for?
There is a corps under deformation of all the body elements of a car that has been in an accident (bumper, headlight, grille, etc.), as well as damage to its paintwork by third parties.
When there is a deformation of the body, metalbecomes less resistant to loads and, accordingly, requires restorative tin-welding operations. If the paint is damaged, irreversible corrosion occurs, and a lot of money should be spent on removing it. All this is taken into account by an independent expert examination and compiles a sheet in which the entire list of necessary works and the costs for their implementation are indicated.
How is the loss of the commodity value of the car calculated?
The calculation of TCB at the moment is about 1500 rubles. In this case, experts determine all the deformed parts (including the engine), for which you can then receive compensation.
Who compensates for the damage?
The loss of the commodity value of the car is compensatedthe insurance company of the culprit of the accident, as well as those firms that insured the vehicle for CASCO. However, many of them do not want to pay the motorist the full cost of the damage, referring to various laws. The car owner should know that he has the full right to compensation for TCB in any case, if, of course, his car is suitable for the above requirements (year of manufacture, mileage and technical condition). Therefore, when the loss of the commodity value of the car you are not reimbursed by the insurers, you must always stand on your own and file a claim with the court. As the court practice shows, not a single car owner lost to insurance companies in such cases.
And finally about the amount of compensation. TCB is subject to recovery in the amount of 120 thousand rubles. When the amount of damage exceeds this figure, the balance is charged to the perpetrator of the accident.