The concept of external mechanical impact. Mechanical stress. Warranty and non-warranty phone malfunctions

Let us consider the stability of instrumental equipment to mechanical stress using the example of aviation instruments and devices, since they operate under the most severe conditions of the complex action of all types of mechanical factors.

The main sources of external dynamic influences on the aviation instrumentation equipment (APA) are the aircraft on which it is installed and environment... Excitation of dynamic effects from the aircraft is called kinematic, and from the internal devices of the aircraft - power. Force effects are most often a consequence of the operation of power supply units, air conditioning devices, hydraulic systems, fuel supply, etc. electromechanical devices with reciprocating moving masses or unbalanced rotating rotors.

Mechanical influences include: linear overload, vibration, shock.

During transmission from the source to the AUV and its elements, external mechanical influences are transformed - the amplitude-frequency characteristics of the oscillations, the amplitude and duration of the shock pulses change; there are transient oscillatory processes accompanying the effect of long-term linear loads.

Overload is the ratio of the effective acceleration to the acceleration of gravity. Linear overloads, except for short-term ones, cannot be eliminated or weakened. Therefore, the performance of the structures is ensured by increasing the rigidity and strength of the elements, which, as a rule, leads to an increase in the mass of the AUV structures.

AUV vibration is understood as mechanical vibrations of its elements or structure as a whole. The vibration can be intermittent or random. In turn, periodic vibration is subdivided into harmonic and polyharmonic, and random - into stationary, non-stationary, narrowband and broadband.

Vibration is usually characterized by vibration displacement, vibration velocity and vibration acceleration.

Vibration displacement with harmonic vibration is defined as

where Z - vibration displacement amplitude; - vibration frequency.

Vibration velocity and vibration acceleration are found as a result of differentiation (5.1):

Vibration acceleration with harmonic vibration is phase ahead of vibration displacement by an angle, vibration velocity by an angle.

Amplitudes of vibration displacement Z, vibration velocity , vibration acceleration and angular vibration frequency are the main characteristics of harmonic vibration. However, apart from them, harmonic vibration can be characterized by vibration overload

. (5.2)

If in (5.2) the amplitude of vibration displacement is expressed in mm, and the acceleration of gravity is in, then the relation for vibration overload can be written in the form where - circular vibration frequency.

Polyharmonic or complex periodic vibration can be represented as a sum of harmonic components.

For random vibration, it is characteristic that its parameters (vibration displacement amplitude, frequency, etc.) change over time by chance. It can be stationary and non-stationary. In the case of stationary random vibration, the mathematical expectation of vibration displacement is zero, the mathematical expectations of vibration velocity and vibration acceleration are constant. In the case of unsteady vibrations, the statistical characteristics are not constant.

In addition to vibration, the structure can be exposed to shock effects arising from operation, transportation, installation, etc. Upon impact, structural elements experience loads for a short period of time, accelerations reach high values \u200b\u200band can lead to damage to the elements. The intensity of the shock impact depends on the shape, amplitude and duration of the shock pulse.

The shape of the shock pulse is determined by the dependence of the shock acceleration on time (Fig. 5.1). When analyzing shock effects, the real shape of the shock pulse is replaced with a simpler one, for example, rectangular, triangular, half-sinusoidal.

The amplitude of the shock pulse is taken as the maximum acceleration upon impact. The duration of the impact is the time interval during which the impact impulse acts.

Damped vibrations occurring in the structural elements are a consequence of the impact. Therefore, in practice, it becomes necessary to protect AUV structures simultaneously from shocks and vibrations, since in real operating conditions, structures are often subjected to complex mechanical influences, which should be reflected

when designing protective equipment.

The structural elements of the AUV are characterized by their mechanical resonance frequencies, varying over a wide range depending on the mass and rigidity of fixing the component parts. In all cases, the formation of a mechanical oscillatory system in the load field should not be allowed - this applies to circuit boards, panels, casings, installation wires and other parts of the APU structure.

The field of loads refers to the mechanical loads of the system caused by fluctuations of various frequencies and amplitudes during testing, installation, transportation and operation.

As a result of mechanical influences, reversible and irreversible changes can occur in the AUV structural elements.

Reversible changes are characteristic of the electronic equipment of the APA, which leads to a violation of stability and a deterioration in the quality of the equipment functioning. The factors causing reversible changes can be grouped into the following groups depending on the physics of the processes occurring in the design:

Deformations in active and passive components, leading to a change in their parameters;

Violations of electrical contacts in connectors and one-piece connections, causing a change in the ohmic resistance of the contacts;

Changes in the parameters of electric, magnetic and electromagnetic fields, which can lead to a violation of the conditions of electromagnetic compatibility in the structure.

Irreversible changes are inherent in structural elements of APA, are associated with violation of strength conditions and manifest themselves in mechanical destruction of elements. The elements that are pre-loaded during assembly and wiring (bolts,

screws, rivets, welds with residual thermal stresses, bulk conductors with excessive tension, etc.).

The irreversible changes occurring in the structural elements of the APU under mechanical stress include fatigue failure.

Fatigue is the process of gradual accumulation of damage in the material of a part under the influence of alternating stresses. The mechanism of this process is associated with the structural heterogeneity of the material (individual grains are not the same in shape and size, are oriented differently in space, have inclusions, structural defects). As a result of this inhomogeneity, in individual unfavorably oriented grains (crystals) at alternating stresses, shears arise, the boundaries of which expand with time, pass to other grains and, covering an ever wider region, develop into a fatigue crack. The fatigue strength of materials depends on the magnitude and nature of the change in stresses, on the number of loading cycles.

AUV structures operating under mechanical stress must meet the requirements of strength and stability. Strength (vibration and shock resistance) to the impact of mechanical factors means the ability of structures to perform functions and maintain the values \u200b\u200bof parameters within the limits established by the standards after exposure to mechanical factors.

Resistance (vibration and shock resistance) to mechanical factors is understood as the ability of a structure to perform specified functions and maintain its parameters within the limits established by standards during exposure to mechanical factors.

DECISION

In the name Russian Federation

The court consisted of: the magistrate of the judicial district No. 44 of the Central district of the city of Bratsk, Irkutsk region Zaugolnikova E.V.,

under the Secretary Lyashenko N.G.,

with the participation of the plaintiff Shereshkova N.A.,

in the absence of a representative,

representative of the defendant,

having considered in open court a civil case on a claim in the interests of Shereshkova to the protection of consumer rights

U S T A N O V I L:

(hereinafter - carrying out, in accordance with Art. of the Law of the Russian Federation "On Protection of Consumer Rights", the protection of the rights and legitimate interests of individual consumers, appealed to the court in the interests of Shereshkova k with a statement of claim on the protection of consumer rights, stating in support of the claim that on February 12 2016, Shereshkova applied, who indicated that on May 26, 2015 she acquired it, which she insured from a representative of the insurer on May 26, 2015. When concluding an insurance contract, Shereshkova N.A. was issued an insurance policy, which is a confirmation of an insurance contract for conditions and in accordance with the "Rules for the insurance of electronic equipment" approved by Order No. 209-od dated July 31, 2014. In accordance with the policy, Shereshkova N.A., in the event of an insured event, is the beneficiary.

On July 18, 2015, as a result of unintentional actions, the phone received external damage to the display module (screen) of the phone, which resulted in the fact that it did not display information, but displayed spots of "rainbow" colors, and there was also a very thin crack in the glass of the display module. which is displayed in the photograph sent by N. A. Shereshkova to the address To determine the damage and the cost of repair, N. A. Shereshkova turned to an authorized service center where on August 18, 2015, diagnostics were carried out (certificate of completion No. 055124 dated August 18, 2015 ), for which Shereshkova N.A. paid 450 rubles, after which a technical opinion was issued stating that the replacement of the display module was required and the cost of repair work, taking into account the cost of spare parts, amounted to 5950 rubles. This amount was paid by N.A. Shereshkova. authorized service center. After replacing the display module, the phone was in good working order. That is, Shereshkova N.A., as an insured, in accordance with 962 of the Civil Code of the Russian Federation, upon the occurrence of an insured event provided for by a property insurance contract, took reasonable and available measures in the current circumstances to reduce possible losses. Shereshkova N.A. took measures of pre-trial settlement of the dispute, she sent a statement to the insurer about the occurrence of an insured event. The letter was accompanied by a technical conclusion No. 684 issued in a phone photo, a statement of the occurrence of an insured event (the application form established by the insured was attached to the policy), as well as copies of other documents confirming the presence of mechanical damage to the phone and payment for repairs. In November 2015, a letter was received from 06.11.2015, No. 07 / 02-08 / 49-02-05 / 30934 "On refusal to pay insurance compensation in case No. MM NFL - 15 - 20841". In December 2015, N. A. Shereshkova sent a claim to which at the end of January 2016 a response was received from January 18, 2016 No. 07 / 02-08 / 31-03-02 / 1201 “On repeated refusal to pay insurance indemnity for the payment case MM -NFL-15-20841 ", on the grounds that the photo does not show external mechanical damage, and in accordance with clause 3.4 of the Special Conditions, damage in the form of scratches, chips and other cosmetic damage, as well as internal damage without external damage. "

In accordance with clause 3.2.1.8.1. Under special conditions, under "mechanical impact" it is necessary to understand the external impact of objects on the surface of the insured property. " Of course, the impact of the phone on the floor, accidentally falling from the table, should be considered an external mechanical impact on the surface of the insured phone, therefore, in accordance with clause 3.2.1.8. Under special conditions, what happened is an insured event, since the insured property (telephone) suffered damage "in the form of damage / destruction as a result of mechanical impact". External and internal damage to the phone was received at the same time, under the circumstances described above, and thus the insured property (phone) suffered damage in the form of external and internal damage as a result of mechanical impact, which, in accordance with Appendix No. 5 to the order dated 26.09.2012 No. 283-od Special conditions of insurance for insurance 3.2.1.8.1 is an insured event. At the same time, the insurer's references to the fact that no cracks are visible in the photograph are unfounded, since in accordance with the policy of N.A. Shereshkov. was not obliged to send any photographs to the insurer at all. In accordance with Art. Section III. Judges, bodies, officials authorized to consider cases of administrative offenses\u003e Chapter 23. Judges, bodies, officials authorized to consider cases of administrative offenses\u003e Article 23.49. The federal executive body exercising federal state supervision in the field of consumer rights protection "target \u003d" _blank "\u003e 23 of the Federal Law" On Protection of Consumer Rights "asks to recover in favor of the plaintiff Shereshkov N.A. a forfeit in the amount of 1,728 rubles, as well as moral damage in the amount of 3,000 rubles, based on the fact that by concluding the insurance contract, the plaintiff hoped to ensure the possibility of quick and effective repair of the phone she had purchased in the event of its breakdown in the event of an insured event.Illegal refusal of insurance payment caused her moral suffering, since she understood that she actually deceived her, and by concluding the contract only intended to receive an insurance premium from her without intending to fulfill the insurance contract in the future, also the cost of the phone and the amount of the insurance premium are significant for Shereshkova N.A. In a situation where the insurer refused to pay the insurance premium paid by the consumer the premium only increased the expenses of N.A. Shereshkova ... to purchase a phone without receiving any advantage for her, which she counted on by concluding an insurance contract. In addition, the payment of the cost of repairs is significant for N.A. Shereshkova, since she could not not repair the telephone - the child must have a telephone in modern conditions, but N.A. Shereshkova. hoped to receive the amount of insurance and compensate for their expenses on repairs. Having received an unlawful refusal of insurance payments and did not receive compensation for her expenses for repairing the phone, the plaintiff was forced to reduce her expenses for other vital purposes, including limiting herself in purchasing food for herself and her family. Thus, the unlawful refusal in insurance payment entailed for N.A. Shereshkova. moral suffering, and the defendant is obliged to compensate for the moral damage caused. Guided by Art. , Art. , RF Law "On Protection of Consumer Rights" asks the court to collect in favor of the consumer Shereshkova: 5950 (five thousand nine hundred and fifty) rubles in return for the cost of repairing the insured phone paid by her, 450 rubles for diagnostics in 3000 rubles - compensation for moral damage; a penalty in the amount of 1728 rubles, which is calculated as follows: 1200 rubles (the amount of the insurance premium)? one% ? 144 days (the period of delay from 11/06/2015 - the moment of refusal of the insurance payment and until 03/23/2016 - the day of filing the statement of claim) \u003d 1,728 rubles, as well as collect a fine from the defendant in favor of Shereshkova, provided for in Part 6 of Art. Of the RF Law "On Protection of Consumer Rights".

At the hearing, acting on the basis of a power of attorney, did not appear, presented an application for the consideration of the case in his absence.

At the hearing, the plaintiff Shereshkova supported the claims, explained to the court that on May 26, 2015, when buying a phone, she entered into an insurance contract with a representative of the insurer. At the conclusion of the insurance contract, she was issued an insurance policy. On July 18, 2015, when she visited her daughter, where the latter worked as a counselor, the phone was accidentally dropped from the table, as a result of which it received external damage to the display. Externally, there was a very thin crack on the display, because the phone has strong glass, but the phone itself stopped displaying information and showed spots of "rainbow" colors. Since there is no office of the insurance company, she called the respondent by phone, informed about the occurrence of the insured event. She was recommended to contact the service to determine the nature of the damage and the cost of repairs, and therefore, she turned to an authorized service center where on August 18, 2015, diagnostics were carried out, for which the plaintiff paid 450 rubles, after which a technical opinion No. 684 was issued that the replacement of the display module was required and the cost of repair work, taking into account the cost of spare parts, will be 5950 rubles. On September 14, she sent a conclusion and other documents to the defendant by e-mail, then the correspondence was carried out by e-mail, she was additionally asked for pictures of her phone, after which she was denied the payment of insurance compensation, since the photograph of the phone sent by her to the insurance company did not show external damage to the display fixed. In the photographs, the crack is really not very visible, since it was thin, however, in confirmation of the presence of damage by it, a technical act was sent. Considers that she was unjustifiably refused to pay insurance compensation. Requests to satisfy the stated claims in full. She also explained that initially a technical conclusion was issued that the repair of the display module was 5,950 rubles, but later the repair cost her 5,050 rubles.

The defendant's representative - acting on the basis of a power of attorney, did not appear at the court session, being duly notified of the time and place of the hearing, presented a response to statement of claim , in which he indicated that the insurance contract of 05/26/2015, concluded between and Shereshkova N.A., was concluded on the terms and in accordance with the "Rules for the insurance of electronic equipment" of 07/31/2014 and the Special conditions of insurance for insurance product "Advantage for technology // portable +". In accordance with paragraph 1 of Art. the conditions on which the insurance contract is concluded can be defined in the standard insurance rules of the corresponding type, adopted, approved or approved by the insurer or the union of insurers (insurance rules). In accordance with the entry made in the Policy, with the Terms and Conditions, the insured Shereshkova N.A. was informed and agreed. After the plaintiff applied with a statement about the occurrence of an event that has signs of insurance, it was decided to refuse to pay insurance compensation, about which an official refusal was sent to her dated January 18, 2016 No. 07 / 02-08 / 31-03-02 / 1201 , based on articles of the Civil Code of the Russian Federation. In accordance with paragraphs. “E” of clause 3.4 of the Special Conditions, is not an insured event: damage in the form of: scratches, chips and other cosmetic damage to the insured property that does not affect its performance; internal damage without external damage, including damage resulting from manufacturer's defects. The fact that at the moment the phone has been repaired according to the reported event does not allow for an objective consideration of the claimed claims of the plaintiff, including an examination. There are no declared damages on the photographs, and the faults declared by the company are not relative and unconditional evidence that the insurance object was in a faulty condition. Insurance contract in accordance with Art. ... It was concluded between the two parties, the terms of the contract of the plaintiff were satisfied and, before the event of 18.07.2015, were not contested, were not invalidated. considered the application of the insured Shereshkova N.A. under the insurance contract, in accordance with Art. according to the documents submitted. According to paragraph 1 of Art. , when concluding a property insurance contract between the plaintiff and an agreement was reached on a certain property or other property interest that is the object of insurance, on the nature of the event, in the event of an occurrence, which is insured (insured event), on the duration of the contract. So, according to clause 4 of the insurance contract, the object of insurance was the telephone; insurance risks, in accordance with cl. 5 of the agreement are defined: fire, explosion, lightning strike, exposure to liquid, natural disasters, exposure to foreign objects, exposure as a result of an accident, robbery, robbery, hooliganism, theft; the amount of insurance compensation - 11,490.0 rubles; the contract is valid for 1 year (clause 7 of the contract). In accordance with paragraph 1 of Art. Law of the Russian Federation of November 27, 1992; 4015-1 "On the organization of insurance business in the Russian Federation", the insurance risk is an alleged event, in the event of an occurrence, which is being insured. An event considered as an insured risk must have signs of the likelihood and randomness of its occurrence. Accordingly, according to the claims declared by the plaintiff, it did not take on additional risks. With regard to the damages indicated in the claim, the policyholder did not provide the Insurance Company with documents confirming the reported event. According to clause 7 of the Insurance Conditions, the policyholder, upon the occurrence of an event that has signs of insurance, provides documents that must contain information that allows to unambiguously identify the insured device (Mark, model, IMEI / Serial). According to clause 6.1.5 of the Insurance Conditions, at the request of the insurer, the policyholder submits the documents necessary to confirm the fact and reasons for the occurrence of the insured event and determine the amount of damage caused to the insured property (in accordance with clause 7 of the Conditions), photographs of the damaged property. Taking into account the presented arguments, in case of satisfaction of the claims of Shereshekova NA, asks to apply the consequences of Art. , when collecting a fine from the amount satisfied by the court. In order to prevent unjust enrichment on the part of the policyholder, in accordance with clause 8.5 of the Insurance Conditions, the total loss of the insured property is recognized if the total cost of restoration repairs is at least 80% of the value of the insured property. So, until now, the plaintiff has not made a decision to abandon the insurance object. He asks to refuse to satisfy the stated requirements in full.

After hearing the plaintiff Shereshkova NA, having studied the presented objections of the representative of the defendant, having examined the evidence presented, the court comes to the following.

The court sees no legal basis for reducing this amount of the fine.

I DECIDED:

Satisfy the claim partially.

To collect from in favor of Shereshkova 5050 rubles - for the return of the paid cost of repairing the insured phone, 450 rubles - for diagnostics in 450 rubles, a penalty in the amount of 1200 rubles, compensation for moral damage in the amount of 1000 rubles

Refuse to satisfy claims for the recovery of the cost of repairs in the amount of 900 rubles, a penalty in the amount of 528 rubles.

To collect a fine for non-compliance with the voluntary procedure for satisfying consumer claims in favor of Shereshkova in the amount of 1,925 rubles, in favor of 1,925 rubles

To collect from the state duty to the budget of the municipal formation of the city of the region in the amount of 700 rubles.

The decision can be appealed on appeal to the Bratsk City Court of the Irkutsk Region through the magistrate of the judicial district No. 44 of the Central District of the city of Bratsk, Irkutsk Region within a month.

An application for drawing up a reasoned court decision may be submitted within three days from the date of the announcement of the operative part of the court decision, if the persons participating in the case, their representatives were present at the court session; within fifteen days from the date of the announcement of the operative part of the court decision, if the persons participating in the case, their representatives were not present at the hearing

Judicial practice on the application of the norm of Art. 333 of the Civil Code of the Russian Federation

I decided to write how to competently deal with the insurance company.

By phones. Tablets and technology. PTP +

Let's be honest, you pay 5000 rubles to get 50 thousand. Who will calmly hand over this money? No one. Very often I hear from people - "they took money and ay". You're right.

How to act when you have an insured event. It doesn't matter what you are insured against, first get out your policy (insurance contract) and read it. Believe me, some 15 minutes will save your time in the future and your nerves. I can't figure it out, call hotline company, it is better from another phone, not from which you will contact later, ask questions to a specialist, specify the list of documents, how the policy works. Even if you are harmful, angry and psychotic, the operator will explain, clarify and try to explain to you until the very end.

You don't need to tell the truth or make up super stories. This will affect in the future. After the consultation, consider how and what to say. Very often I meet parents who place the blame on their children. The child dropped the phone, the child was pushed at school, the child ate soup and spilled it on it.

Believe me, these details are not interesting to anyone, and then they can play not in your favor.

There is a risk of external mechanical impact - it will be enough to drop the phone and crash. - Believe me, this will be a payment, not a trial of who and where pushed whom and why you did not go to the police, because a third party was involved.

"External mechanical action"- This company has its own rules, which means that a defect interferes with the operation of the device. If it is a scratch, chip or broken back panel of the phone, then you are passing by. The crack should hit both the screen and the edge of the screen. If the device fell and crashed, for example, a model that is inside the device, and the device itself is not damaged, alas, this is not an insured event.

Liquid contact. - Check with a specialist that the water from the neighbors should fill your device or you yourself can drop it into the water. Of course, the specialist will say the risk is to apply. And you do not invent things later from your neighbors. Water got in - that's it. Dropped into water, Spilled water. As they say, brevity is the sister of talent.

Theft. The hardest part. Since here it is more common to be pulled out of your pocket - which equals the phrase you lost your phone. This is not an insured event. For the reason that it is not provable. And if you use your brains, you will understand that then any fool would use this trick and get money. How to proceed in this case? Only through the courts, it is dreary, long, but sometimes insurance companies, believe me, lose and pay. And at what very often.

Do not make up rain, thunderstorms, cars. These are unnecessary documents. Not alone service center will not establish that you smashed your iPhone with a hammer, and the insurance company records the conversations.

I do not understand what is written in my policy. - Call the hotline, consult until you understand what works and how. Better yet, from the store when you buy insurance. Sellers can pour in their ears whatever ... to sell.

Features of policies. Frequent mistakes.

The policy may not start to operate from the day of purchase, see it is written on the contract itself from what date it comes into force. If you apply before the validity of the policy, then it is clear that it has not yet entered into force and you cannot apply for it. Nobody will look for you, and will not tell you, think you want to get money. And free cheese is only available in the mouseylovka.

And note to those who shout deception. Insurance is a web, everyone is thrown off, so that someone would receive money. Believe me, a lot of people got paid.

Remember, you live in Russia, where a paper hierarchy reigns. Do not be alarmed when a heap of papers is announced to you, no less you will collect in court when you receive a refusal, because you did not think, but demanded free money.

Someday I'll get to other products. The policy is not bad for someone with children and phones that often fall and break. It is bad against theft, like others from other companies.

The main document is requested: Act of a licensed service center - There is no such thing in your city, do not despair. Any company accepts applications in a free form, do not be lazy to find the nearest one 200 km away, write an application to your company, competently, that you cannot provide not at will, but because it is very far away. Or the act is expensive, and the phone costs a penny. Ask the company to help with your hard work, as you do not know how to proceed. Ask for a favor to make a decision without of this document or to allow you to contact another service that is not licensed, but makes cheaper in your city.

Maybe my review will help someone get money. And please remember, no one will give the money right away. From this and the timing and questions and unnecessary documents. Good luck to you. And don't smash your phones or spill soups on them

Termination of any contract.

Everyone knows that a new law has been passed and the Insurance Company must terminate your contract and return your money. But not everyone knows how this law works.

You have 5 working days from the date of the conclusion of the contract (loan, box, etc.)

Conclusion of a contract - you come, buy something, you draw up a contract. Everything from this day is reported 5 working days, for these 5 working days you must submit documents for termination. (Fill out an application, attach an agreement, a payment receipt and your details). If you have a branch in your city (check with the operator) go directly to the branch. If there is no branch, do not send by e-mail, send by registered mail with a notification by mail in Russia, so that you have a document on the sending of your documents.

Breaking the boxes!

Hello dear friends again! This time I decided to tell you how to terminate the insurance contract, how to get your money back.

WITHOUT ACTIVATION

Nowadays, VTB24 sellers often sell a couple of boxes with a loan. Which are voluntary insurance, unlike credit insurance, you are not obliged to buy them and they do not affect the credit. Box data: I can do everything, I can do everything +, Live, do not grieve! Fizkult, hello, hello neighbor!

Let's start with the fact that you were sold the product, but you want to get your money back.

DO NOT ACTIVATE THE PRODUCT. Or ask the seller if he insists on activating the product, say that you will activate it at home. On the same day, or up to 30 calendar days, call the SK and ask to terminate the insurance contract, since you have not activated it. Then the procedure will take less time and the money will be transferred to the account.

You will need:

Product box

Check. (If there is no receipt, contact the point of sale. Take a duplicate slip, a document on which will be written "Product, its cost, date of purchase".

Bank details for transferring money to you.

PASSIVE ACTIVATION - STARTING ON 31 DAYS FROM THE MOMENT OF PURCHASE (NOT FOR ALL PRODUCTS)

Now let's consider another option. Your policy has BEEN ACTIVATED SELF.

There are two options for the outcome of events, either the policy acts on your property that is owned, or on your children, or on yourself.

If you have property, so do the children, and so do you. It is almost impossible to terminate the policy. Even the court will bend its line that the conditions are written on the product. Here is one option, to write a claim to the insurance company, but not with a request to terminate the contract, but with a request to answer on what conditions the termination of this contract is impossible, with a request to clarify the clause of the contract where refund was denied money upon termination of the contract and go to court. If only you had on hand documents confirming the refusal of the UK to return the money to you.

IF NO PROPERTY, CHILDREN.

To court. You also apply to the UK on the claim form, as mentioned above.

Collect boxes, checks, passport, answers from the UK. In court, you can refer to the "Other circumstances" clause. This means that you have no property, and since you do not have property or children, then this product is not valid. You will win the court 100%, previously the IC returned the money, but then changed her mind and began to send people to court, because this way fewer people would be involved in red tape.

Legal costs will then be paid by the UK, that is, it takes time from you. Of course, all this is terribly angry, unnerving. Have patience, my friends, you want to get your money back. By myself, I will say that the court will take you 2-3 days at most, the collection of documents is even less.

The claim is processed 15-30 business days. If the deadlines are violated, again a claim. Write, a call in court will not play a big role, and your written appeals will play into the hands.

Of course, some will say that I still have to do this for 3000 thousand?

Alas, in this case, the money cannot be returned by a scandal, there are only these options.

How to write a claim !?

Application on A4 sheet, addressed to VTB Insurance. Indicate your full name. address, contact details. Your complaints, claims, questions. Finish with a live signature and your last name and number. You photograph or scan, send to the address that the operator tells you. Question to the operator: To what address can I send a written claim. How can I clarify the status of my claim?

That's all! Later I will add other products)

Hope I could help you.

Case 1

Case 2

AND- Primary action

B- Reaction without energy dissipation

C- Primary action

D- Reverse reaction with energy dissipation

In case 2, the connective tissue, due to the elastic element present in it, makes it possible to “absorb” the shock and spread it widely over the surface.

This property is called passive protection, extremely effective, even if it sometimes becomes a double-edged weapon. In cases of lashing due to the energy accumulated by the fluid masses of the body tissues, the damage manifests itself later.

"... and if this energy were not dissipated by its own fluid masses of fascial tissue and the consequences of a whip, shock or injury would appear immediately, what damage would be done to the body?"

There is only one answer: of course, much more difficult!

Example: a knife blade tears tissue and creates a cut wound only when applied from the sharpened side; using the blunt side can lead to chafing, swelling, skin reactions, but not genuine organic damage; the only difference between these two situations is the area of \u200b\u200bthe affected surface. The larger the area covered by the injury, the less severe it will be biological damagecaused by trauma.

The second phase of the defensive role follows the first and consists in the distribution of the applied impact force through the continuous fascial system.

The force acting on the body leads to the concentration of kinetic energy at the point of impact, causing powerful damaging effects. The continuity of the connective tissue prevents a high concentration of kinetic energy; it is redistributed through tissue links and then dissipated by a number of factors associated with the resumption of movement and functional adaptation, both fascial and general organic, in which kinetic energy is converted into heat, electrical, etc., preventing the formation of a large amount of potential energy. This second phase is designated by the term active defense.

“Biological damage” is a strategy used by the fascial system to prevent the accumulation of kinetic energy that has suddenly arrived in such a short time that the body is unable to endure and redistribute it (physics teaches that energy cannot be destroyed, but is transferred to other forms).

Osteopathy, with its fascial techniques, has been shown to be an effective weapon in neutralizing such situations, facilitating the redistribution of kinetic energy through ever-increasing dispersion and decreasing the potential for destructive power.

Role of fascia in coordination of movements

Fasciae and aponeuroses are involved in coordinating the movements of both muscles and viscera, separating the muscle structures with membranes and ensuring that the contractile groups aiming at a similar (synergistic) role can work simultaneously to perform the same function.

Each membrane and muscle bed is assisted in the performance of their functions by the ability of the connective membrane to support a set of body parts. The nerve structures contained in each bed are in close mechanical relationship with the tissues that must be stimulated. The role of the nerves is carried out by means of neuromuscular fibers, Golgi tendon apparatus, Pacini's bodies and Ruffini's organs.

Ruffini endings

They are located in joint capsules and adjacent areas; are responsible for muscle contraction, which, together with subsequent movement, changes the tension of the capsule. Indefatigable structures are called upon during movement so that it can be produced in a smooth manner, without jerking. In addition to allowing the position to be maintained, the direction of movement is noted.

Golgi endings

The structures of slow adaptation, for a long time "assimilate" the information directed to them. They are located in the ligaments attached to the joints and deliver information regardless of the level of muscle contraction in such a way as to inform the body about the position of the joints, moment by moment, regardless of muscle activity.

Pacini corpuscles

Found in supra-articular connective tissue; quickly adapt and inform the central nervous system about the degree of acceleration of the movement produced (acceleration receptor).

Muscle spindle

Regulates muscle tone. The location of the spindles as they attach to the skeletal muscle (tendon) parallel to the muscle fibers. While the spiral-circular ending responds quickly to the slightest change in muscle length, the colorful ending for balance only provides information after significant changes in muscle length. The muscular spindle is a “length comparison unit” that can provide information for a long time for each stimulation.

Inside the spindle there are thin inter-spindle fibers that change its sensitivity; they can change without any real variation in muscle length by means of a special yielding gamma controlled by the fibers themselves.

Golgi tendon receptors

More reflects muscle tension than length. If an organ is found to be overloaded, it can with their help stop the activity of the muscle and thereby avoid the risk of injury; this factor determines muscle relaxation.

Trigger points (trigger points, vibrators) are localized areas of great soreness and increased resistance; acupressure of these points often provokes muscle contraction / grouping, which, if held, causes pain in the targeted areas.

We are talking about signal posts that provide constant feedback from the central nervous system and higher centers regarding the instantaneous states of the tissue in which they are located. Their modulation can be caused by both psychic influence and changes in the chemical composition of the blood.

Chains

The neuromuscular system, contained in the connective tissue and in direct contact with it, allows direct synergistic participation when muscles attach to the aponeurosis and indirect synergistic participation when muscles attach to bone.

The concept of "muscle tension chain", introduced by osteopathy and then picked up and expanded by postural gymnastics, finds its application in the fascial concept.

The function of the guarantor of coordination of movements performed by the connective tissue arises from its connections with the nervous system (due to the purely mechanical action exerted on the nervous component and its sensitivity to tension); in addition to distinguishing between movement, intensity, strength, the spindle is able to activate the higher nervous system and develop new schemes of functioning. Often, this kind of adaptation goes beyond physiology in compensations used by the body, aimed at eliminating any kind of force that can cause pain.

If we consider our posture as a constant oscillation of establishing balance and its loss, with the aim of maintaining an upright position of the body, it becomes understandable why, even in the presence of mild anomalies, our balancing system must perform corrections with great accuracy to maintain both a static posture (erect posture) and dynamic (movement).

When exposed to force, the fascial component of our body adapts to the situation, masking and “hushing up” the primary source of the problem in such a way as to cancel the nervous effect caused by the situation of discomfort or pain.

This fact allows only the last compensation produced by the body to manifest itself, and from here follows symptom of painwhich, if eliminated without suppressing the root cause of the dysfunction, will be persistently triggered again by the original problem.

The pain symptom is the last signal of a series of adaptations introduced by the increasing compensatory capacity of the connective tissue, which changes the physiological pattern, which are “silent” until the very last adaptation in the chain can no longer be compensated.

Conflicting information

Korr (1976) reiterated the importance of the bone marrow, within which is located a large number of Patterns of muscle activity. The brain works by producing complex movements that depend on the activation of muscle chains rather than individual muscles. For this purpose, programmed models “stored in reserve” in the trunk and bone marrow are involved, which are modified into an infinite variety of models even more complex and enrich the “warehouse” with these new derivatives.

Thus, each type of activity is modified, improved and "corrected" by appropriate feedbacks constantly emanating from muscles, tendons, joints (their connective tissue component) participating in the movement.

GAS and LAS

The English abbreviation for General Adaptation Syndrome ( GAS) and local adaptation syndrome (LAS).

The syndrome of general adaptation, OSA, consists of an anxiety reaction, a phase of resistance (adaptation), a phase of exhaustion (unsuccessful adaptation) and covers the entire body. Local adaptation syndrome, SMA, manifests itself in much the same sequence, but in a limited area of \u200b\u200bthe body.

Seyle (1976) identified stress as a nonspecific contributor to illness. Describing the relationship between the syndrome of general and local adaptation, he emphasized the importance of connective tissue.

Stress contributes to the creation of models of adaptation, specific for each organism and for each type of force impact. In response to stress, homeostatic self-normalizing mechanisms are activated.

If the state of anxiety is prolonged and repeated, processes of defensive adaptation occur, leading to long-term changes that can become chronic.

Through palpation of neuromusculoskeletal changes, an idea is created of the attempts made by the body to adapt to the stresses accumulated over time; the result is a confusing picture of tense, compressed, compacted, overworked and finally fibrotic tissues (Chaitow, 1979).

It is important to understand that due to prolonged stresses of the postural type (due to the position of the body), physical and mechanical, some areas of the body apply so much compensatory and adaptive efforts that structural changes appear that can develop into pathology.

In most cases, the combination of physical and emotional stress alters the neuromusculoskeletal structures to the extent that it causes a number of identifiable physical abnormalities. Compensatory attempts by these structures will in turn generate new stressors; because of this, painful phenomena, joint restrictions, general ailments, such as fatigue, may occur.

In the process of chronic adaptation to biomechanical and psychogenic stress, chain reactions develop, associated with compensatory modifications of soft tissues (Lewitt, 1992). These adaptations are always detrimental to the optimal functioning of the body and are the source of an ever-increasing functional disorder (physiological changes).

Sequence of responses to stress

In the case of a prolonged increase in muscle tone, there are:

n retention of catabolic products and edema

n local lack of oxygen (associated with tissue needs) and subsequent ischemia

n maintenance or increase of increased functional tone

n chronic inflammation or irritation

n stimulation of sensitizers of nerve structures and the development of increased reactivity (hyperreactivity)

n activation of macrophages for increased vascularization and fibroblast activity

n fibrosis with reduction / shortening of the connective tissue component.

Along continuous fasciae throughout the body, any local overstrain can reflect and negatively affect distant structures supported and attached by the fascia itself (nerves, muscles, lymphatic and blood vessels). As a result, the following may appear:

n changes in elastic tissues (muscles) with chronic reactive hypertension and subsequent fibrosis

n inhibition of antagonistic muscles

n chain reactions in which the postural muscles are shortened and the phasic muscles are weakened

n ischemia and pain caused by prolonged muscle tension

n biomechanical changes, impaired coordination of movements with articular limitation and imbalance, fascia retraction

n the appearance of areas with increased reactivity of neurological structures (areas of relief) in the back areas and inside the muscles (trigger points)

n energy expenditure on maintaining hypertension and, as a consequence, general fatigue

n constant feedback of impulses with the central nervous system, psychogenic alarms with the inability to adequately relax the parts with increased tone

n biologically non-replaceable functional modelscaused by chronic musculoskeletal problems and pain.

The effectiveness of osteopathy lies in the fact that it goes the other way in restoring the symptom of pain to identify the primary cause, the direct action on which opens the way to its elimination. Thus, there will be a return to the physiological norm of the stress parameters, which will also imply - but not only - the disappearance of the symptom of pain.

The fascial technique makes it easier to find the root cause than the traditional one. With refined palpation, it is not difficult to follow the direction of the fascia tension and reach the true origin of the problem ... especially in cases where the doctor cannot prove the correctness of the symptomatology on the basis of the patient's pain zone.

Please help me figure it out. And tell me what to do in this case, the phone is not cheap. The expert opinion says that the phone is generally faulty. Fesenko Nina Viktorovna (04/01/2020 at 14:03:22) Good afternoon, Anna. Very often, insurance companies either refuse to pay property insurance or significantly underestimate. You need to go to the court at the location of the company (this is the only way you can get the insurance paid), but to do this, contact the company again to receive a written refusal to pay insurance.

Warranty extension

the provision of services under a certificate is possible only if these documents are available. The certificate begins to be valid from the 16th day following the day of purchase.

Cases that are not covered by the Certificate of Service, in which the buyer will be refused repairs: faulty interface cable or data transmission kit; the portable communication device is defective; faulty car or desktop charger; other accessories are faulty; the rules and operating conditions have been violated

YurClub conference

Novosibirsk, st. Frunze, 232 and filed an application for the occurrence of an insurance event. On 13.02.2020, I received a written refusal (out. No. 53 dated 02.02.2018), which stated that "According to clause 3.2.1.8.1 of the special insurance conditions, mechanical damage must be understood as external influences on the item. According to points "e". Clause 3.4 of special conditions is not an insured event of damage in the form of: - scratches, chips and other cosmetic damage to the insured property that does not affect its performance. - internal breakdowns without external damage, including breakdowns as a result of manufacturer's defects.

02/03/2018, having learned by phone about the refusal to recognize the case as insurance, I turned to the official Sony service center, where after 10 days they returned my phone with a letter in which the service center refuses to produce warranty repair phone, in view of the impossibility of doing this with a broken screen. Also, on 13.02.2020, I contacted the VTB Insurance contact center by phone 88001004440, where, in response to my request to give me advice on a hypothetical insured event, the specialist clearly stated “that insurance under the Purchase Protection program (Advantage for equipment / portable +) implies coverage in the event of insured event due to external mechanical impact, such as: dropped, smashed, etc. " one.

External check

Judgment in case 2-1716

Irkutsk has signed a Smartphone insurance contract. on the risk “Fire, explosion, lightning strike, exposure to liquid, natural disaster, robbery, robbery, hooliganism, theft, exposure to foreign objects, impact as a result of an accident”, the sum insured was. rub. The insurance premium was paid by the claimant in the amount. R. An insured event occurred during the validity period of the insurance policy. The plaintiff was getting off the bus, she was pushed and the phone fell out onto the road, and a minibus was still driving along it, leaving the stop.

Date the insurance company refused to pay the insurance claim to the claimant, stating that the external mechanical damage not covered by the insurance policy. When concluding an insurance contract, the plaintiff believed that she insured her phone against all risks, incl.