When the vehicle is damaged it can be fixed, does not lead to “full compensation”, generally, the insurance company pays the cost directly to the repair shop. Will be responsible for payment, you must apply directly to the insured. But, if the incident has caused damage to third party property, in most cases, the insurance company pays compensation for losses directly to the service provider – for example, replace the device, in the case of a vehicle. Insurance companies, in General, allow the beginning of reforms within a day or two, at most, after which the claim shall be insured and steer the car to the garage.
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In the case of full damage – damage with the “total loss” – the maximum period for the payment of compensation by 30 days, from the date of delivery of the required documents. If, in the end, the insurance company requests additional documents to those who have already been recognized, counting the period of 30 days will be cut short, when documents are delivered. When the insured receive compensation, you must transfer ownership of the vehicle to the insurance company. If the vehicle is financed, the payment will be deducted from winning compensation will pay the insurance company. It is up to the insurer to make the account with the finance company.
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