Страховая компания «Согласие» оштрафована за неисполнение обязательств по договору страхования имущества. Соответствующее решение принял Центральный районный суд Калининграда.
В марте 2015 года житель Калининграда заключил с ООО «Страховая компания «Согласие» договор, застраховав свой автомобиль «Мазда-6» на сумму 1,4 млн руб. по рискам КАСКО (ущерб и хищение).
Через год транспортному средству находящемуся на парковке во дворе дома по ул. Раевского, были причинены повреждения (вмятины, царапины). Клиент обратился в организацию за возмещением, однако в выплате средств или ремонте ему было отказано на основании заключения ООО «Экспертиза НАМИ». При этом, клиент не был ознакомлен с данным заключением. Владелец автомобиля направил претензию о пересмотре страхового дела.
Представитель страховой компании настаивал на том, что указанные дефекты образовались в результате различных неустановленных обстоятельств, соответственно, действие договора на них не распространяется.
Как показала судебная проверка, данные повреждения были получены вследствие действий неустановленных третьих лиц или транспортного средства. Согласно заключению «Регионального центра судебной экспертизы», повреждения являются следствием нескольких событий и имеют накопительный характер. Часть вмятин и царапин образовалась в ходе эксплуатации автомобиля, а часть — после указанных клиентом событий.
По расчетам официального дилера автомобилей марки «Мазда», исходя из перечня повреждений, относящихся к страховому событию, стоимость ремонта транспортного средства составила 72 тыс. руб.
Суд постановил, что страховая компания не исполнила обязательства по договору страхования имущества. С ООО «СК «Согласие» взыскано страховое возмещение в размере 72 тыс. руб., более 4,7 тыс. руб. неустойки, 1 тыс. руб. компенсации морального вреда, штраф в размере около 39 тыс. руб., 7 тыс. руб. расходов на оплату услуг представителя и более 10,7 тыс. руб. расходов на оплату производства судебной экспертизы.
{"ID":"933114","~ID":"933114","TAGS":"согласие, страхование, штраф, неисполнение, иск, возмещение","~TAGS":"согласие, страхование, штраф, неисполнение, иск, возмещение","NAME":"Страховая компания «Согласие» оштрафована за невыплату возмещения калининградцу","~NAME":"Страховая компания «Согласие» оштрафована за невыплату возмещения калининградцу","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"1355","~IBLOCK_SECTION_ID":"1355","DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Страховая компания «Согласие» оштрафована за неисполнение обязательств по договору страхования имущества. Соответствующее решение принял Центральный районный суд Калининграда.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В марте 2015 года житель Калининграда заключил с ООО «Страховая компания «Согласие» договор, застраховав свой автомобиль «Мазда-6» на сумму 1,4 млн руб. по рискам КАСКО (ущерб и хищение).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Через год транспортному средству находящемуся на парковке во дворе дома по ул. Раевского, были причинены повреждения (вмятины, царапины). Клиент обратился в организацию за возмещением, однако в выплате средств или ремонте ему было отказано на основании заключения ООО «Экспертиза НАМИ». При этом, клиент не был ознакомлен с данным заключением. Владелец автомобиля направил претензию о пересмотре страхового дела.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Представитель страховой компании настаивал на том, что указанные дефекты образовались в результате различных неустановленных обстоятельств, соответственно, действие договора на них не распространяется.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Как показала судебная проверка, данные повреждения были получены вследствие действий неустановленных третьих лиц или транспортного средства. Согласно заключению «Регионального центра судебной экспертизы», повреждения являются следствием нескольких событий и имеют накопительный характер. Часть вмятин и царапин образовалась в ходе эксплуатации автомобиля, а часть — после указанных клиентом событий.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t По расчетам официального дилера автомобилей марки «Мазда», исходя из перечня повреждений, относящихся к страховому событию, стоимость ремонта транспортного средства составила 72 тыс. руб.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Суд постановил, что страховая компания не исполнила обязательства по договору страхования имущества. С ООО «СК «Согласие» взыскано страховое возмещение в размере 72 тыс. руб., более 4,7 тыс. руб. неустойки, 1 тыс. руб. компенсации морального вреда, штраф в размере около 39 тыс. руб., 7 тыс. руб. расходов на оплату услуг представителя и более 10,7 тыс. руб. расходов на оплату производства судебной экспертизы.\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Страховая компания «Согласие» оштрафована за неисполнение обязательств по договору страхования имущества. Соответствующее решение принял Центральный районный суд Калининграда.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t В марте 2015 года житель Калининграда заключил с ООО «Страховая компания «Согласие» договор, застраховав свой автомобиль «Мазда-6» на сумму 1,4 млн руб. по рискам КАСКО (ущерб и хищение).\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Через год транспортному средству находящемуся на парковке во дворе дома по ул. Раевского, были причинены повреждения (вмятины, царапины). Клиент обратился в организацию за возмещением, однако в выплате средств или ремонте ему было отказано на основании заключения ООО «Экспертиза НАМИ». При этом, клиент не был ознакомлен с данным заключением. Владелец автомобиля направил претензию о пересмотре страхового дела.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Представитель страховой компании настаивал на том, что указанные дефекты образовались в результате различных неустановленных обстоятельств, соответственно, действие договора на них не распространяется.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Как показала судебная проверка, данные повреждения были получены вследствие действий неустановленных третьих лиц или транспортного средства. Согласно заключению «Регионального центра судебной экспертизы», повреждения являются следствием нескольких событий и имеют накопительный характер. 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В декабре 2016 года суд оштрафовал «Росгосстрах» за отказ выплачивать страховое возмещение калининградцу.