Will the insurance pay for OSAGO if the passenger is guilty?
The responsibility of the insurer company, which motorist insured OSAGO, does not include the necessity to compensate for damage if the passenger became the culprit of the accident. The most common type of such cases was the damage of a parked car parked by an open door. Such a situation happens when a passenger leaves a car parked at the edge of the road.
Vehicles in the parking lot
The insurance moment for OSAGO insurance is not considered to be the damage that arose when both the car of the victim and the car’s guilty person stand. Often, similar curiosities occur in parking lots. The careless handling of the car door helps to damage the LKP in the vicinity of the adjacent car. The TC without moving is not an object of increased danger. Consequently, the damage caused to the motor vehicle on the parking lot is compensated by the culprit.
The reason for the increased danger is any car that is not controlled by the owner. There is no danger at the time of stop or parking as the car is worth it. The door of the car can not be dangerous because its weight is small.
damage to the parking lot
Motor transport at the roadside
The injured car traveled along the freeway and on the face of a situation that qualifies as an accident. The perpetrator of an accident in violation of clause 12.7. Road traffic control system of Russia opened the door of the roadside car. This inattention led to the injured vehicle being damaged. Typically, this type of incident happens with taxi cars, because customers of them often pop up in an unspotted location. The culprit, as a rule, does not always work, because he often runs away.
If the driver can prove that the passenger is guilty of an accident, the insurer has every reason to refuse compensation.
To do this, it is urgent to establish the identity of the perpetrator in an accident of the passenger. Sometimes it is necessary for him to be detained before the arrival of the DPS inspector. If you do not do this, then the damages received will not be covered. According to a DPS employee’s decision, the guilty passenger will be held accountable.
car on the roadside
A vehicle without a driver
An accident caused by an involuntarily moving car can not be considered an insurance event. This situation indicates that there is a clear disregard for the person’s right to stop the car and its parking. The owner of the vehicle in this case bears all responsibility for the damage caused by his vehicle to someone else’s property. And it does not matter at all, whose guilt – a driver or a passenger in an accident. It was impossible to prove that the car was not issued after the accident, as it is impossible to prove that the car was deliberately removed from the parking brake.
So, if the driver or the passenger does not want to have trouble, then the first and the second should be very attentive. This will save not only from unwanted explanations, but also will save you from excessive cash expenses.