In the event of a loss the amount of insurance compensation is determined by the cost of restoration of the insured property, less the residual value of the damaged property. In the case of total loss amount of compensation is determined based on the actual value of the insured object, less its residual value. Total loss occurs when the restoration costs, together with the residual value exceeds the actual value of the insured item. If the insurance contract provides additional insurance costs for rescue and clean-up territory, the insurer pays compensation in excess of actual value. Partial loss occurs when the damage occurred or partial destruction of the insured object. Security system object is damaged or partially destroyed, if the expenses needed to restore to this state, in which he was immediately before the onset of the insured event (restoration costs), including the residual value does not exceed the value of the intact object, including shipping costs and transportation at the moment the onset of the loss (the actual value). Rehabilitation costs include: - Cost of parts and materials for repair; - The cost of repairs; - The costs of dismantling and re-assembly; - Transportation costs, as well as the costs of the urgent delivery; - Cost saving the insured property; - Other necessary for such restoration costs. Remedial expenses do not include: - The cost of the bulkhead equipment, preventive maintenance and other costs that were would be needed regardless of whether the insured event; - Additional costs resulting from changes or improvements to the insured object, produced over those needed for recovery of costs; - Additional costs caused by temporary or ancillary to the repair or reconstruction. In the case of loss or damage to motors, drives, bearings, tracks, tires, and greydernyh bulldozer blades, excavator buckets for all types of batteries and other parts that are normally subject to repeated replacement during the life of the insured equipment because of their high wear (wearing parts ), from the amount of rehabilitation expenses made appropriate deductions. The amounts of residues are calculated based on the cost of these parts just before the onset of the insured event (actual value). If replacing the damaged parts, despite the fact that it was possible to repair without any threat to the security operation of the insured equipment, the insurer reimburses the policyholder the cost of repairing those parts, but not exceeding the cost of replacing them. If the integers are replaced by units of machines, for example, engine, clutch or other structural elements of the insured equipment, and if they, along with damaged and undamaged parts are contained, the insurance indemnity is reduced to the cost of the undamaged parts. Insurer does not pay compensation for consequential damages, including fines, the amounts of compensation paid to third parties, costs for temporary replacement or lease of equipment downtime or loss of presentation. If the sum insured is set in a smaller amount than the actual value of the insured item at the time of the insured event, the amount of losses and expenses are paid in proportion to the ratio of the sum insured and the actual value of the insured item. In case of disagreement on the size and causes of loss the insurer and the insured have the right to request an examination to determine the amount and causes of losses. In case of disagreement between the experts they select a third expert to serve as chairman of the expert committee. If the two experts could not reach a consensus on the election of the chairman, appointed by the last Chamber of Commerce at the place of the examination at the request of the parties. The Commission shall decide by majority vote. Compensation may be paid only after it will be fully established cause and extent of the damage. However, at the request of the insured and the insurer before that can be paid in due course at this point, the sum (advance payment). In the statement of claim against the insurer to the policyholder must provide original documents confirming his interest in the insured property, the value of the latter, as well as any additional documents, materials, information on a particular insurance case, which has insured or his agents, the insurer has the right to request from the policyholder any additional information necessary to ascertain all the circumstances of the events which resulted in the injury occurred. The final consideration of the claim is possible only after the insurer providing all the necessary documents. After the payment of insurance indemnity to the insurer pass into law within the sum paid to the policyholder or the person in whose favor the enclosed insurance, are with respect to the persons responsible for causing damage. When the insured event the policyholder is obliged to: - Promptly, but in any case not later than specified in the insurance contract period from the date of onset of the loss to the insurer to say about it in writing; - If possible, take all possible measures to prevent or reduce damage to the rescue the insured property, if circumstances permit, the policyholder is obliged to seek instructions the insurer; - An insurer or its representatives have the right to participate in the rescue and preservation of the insured assets, taking necessary and pointing to this measure, however, these actions of the insurer or its agents can not be regarded as a recognition of the duty to pay insurance compensation. If the policyholder has balked, the insurance indemnity is reduced to the extent to which this has led to an increase in the loss.