Subtleties Car Insurance

Many owners of new vehicles further insure them under the policy Hull. Apart from the fact that almost all the banks when issuing auto loans require the borrower to purchase additional insurance, such a policy will help in case of an accident to cover part of the cost of repairs. But what about the nuances silent insurers in the insurance contract?

In the first six months of 2014, the Federal Service for Insurance Supervision, which controls the activity of insurance companies, complained about 16000 people. Almost half of the complaints related to auto insurance. Unreasonable refusal to pay, reduction of the amount of compensation, delaying the timing - is the main, but not a complete list of violations of insurers.

How not to get in the number of those who are now forced to seek the assistance of officials? We examined the terms and conditions of insurance dozen major companies and to identify the provisions that might conceal a trick and that you should pay special attention to signing a contract with the insurer.

Many companies offer payment in installments of the policy. However, according to the rules of "Ingosstrakh", "AlfaStrakhovanie", "Renaissance Insurance", "Tsyurih.Riteyla" ROSNO and the Military-insurance company terminates the contract in case of delay in the payment of the next day.

"Rosgosstrakh-Stolitsa" admits the 10 days of delay, "RESO-Guarantee" - 15 "MSK-Standard" and "Uralsib" - 30 days. The "MSK-Standard" and "Uralsib" does not recognize the insurance cases that occurred during the delay of payment (which is slightly better than the termination of the contract: after making the money you do not have to re-call the evaluator, fill in the documents and so on. D.). A "RESO-Guarantee" on the contrary, will be fully responsible under the contract during this period. If payable in installments policy the insured event occurs, according to the rules of the majority of companies, the payment would be reduced by the amount not yet paid contributions.

Franchise is a part of the damage that the insurance company will not reimburse the customer. If, for example, the deductible - $ 500, all losses up to that amount the customer pays for itself. If the above - the difference is paid by the insurer. This franchise is most often used by domestic companies, called unconditional. Due to the small franchise insurers greatly reduce the flow of applications for payments, because most of the insurance cases - minor accident. Policy with a deductible cheaper, but its use can lead to additional complications.

The client, for example, directly on the place of accident should be able to accurately assess the damage that is difficult to do. If later it turns out that the price of repairs over the size of the franchise, and while you have already left the accident scene, is to require the insurer to pay the difference will not happen: no statement about the insurance case and protocol inspection of the car. There are other subtleties that if the insurance contract provides for the repair of the direction of the insurer, the company may ask the client (the rules of "Ingosstrakh") before the insurer to compensate the franchise. Only after that it will receive the corresponding direction.

The rules of the companies are many exceptions. Almost all insurers do not recognize the damage to the insured event the wheels not related to damage other machine elements. Usually non-refundable damage caused as a result of damage during normal operation of the vehicle.

Special article - fire. By definition, the insurers, in particular, "Tsyurih.Riteyla" is "burning because of external influence". Thus, if the car caught fire due to the wiring, the payment of damages in the majority of insurers do not see. Violation of fire safety rules, careless use of fire in the insured car - the reasons for the refusal. Under the careless handling of fire "Ingosstrakh", for example, understand the smoking in the cabin CAR.

A different look at the insurance company and the machines from harming animals: damage from accidents involving them is paid, and damage to vehicles, no pets in the accident are often excluded from coverage.

Pay special attention to this rule are: a hijacking insurers sometimes understand very different things. Criminal Code treats the theft as the taking vehicle without theft: someone took a car ride. The first two months of the police is the case of the theft, and then re-classified it in the theft. These subtleties worth remembering, learning the rules of insurance. If the insurer pays compensation only in the theft of a vehicle, it could mean a two-month delay in payment.

Therefore, payment periods for insurers can be different: ROSNO, for example, enough copies of the decision to institute criminal proceedings, to 10 days to pay the compensation. "Ingosstrakh" will pay for the completion of the preliminary investigation into the theft or theft (2-3 months).

Insurers in most cases, require documentary evidence of the damage with all sorts of references, ranging from certificates from the traffic police and ending with references disaster. At the conclusion of the contract, some companies offer customers trust them to collect all these documents.

Before you agree, you should study in detail the conditions for the provision of this service and try to collect feedback on how faithfully the company fulfills its obligations to collect documents. Often, because of the slowness of the insurer delayed the proceedings for payment.

Personal insurance is important to inform the prescribed rules and contract terms. Must immediately notify the company in any way possible and then for 3-10 days to submit a written statement on the insurance case. Failure to do so rules can be grounds for refusal to pay.

Indemnify, or motivated to refuse payment to the insurer shall, within a specified period "from the date of receipt of all necessary documents." This phrase allows for massive delays in payments. Companies often request additional documents in order to pull in the payment, "lose" has received documents. Therefore, it makes sense to require the client a written justification of additional requests and retain a copy of all documents sent with a note on their admission. In the case of conflict situation to prove their case will be easier.

Insurers are trying to assess the size of the payment based on the factory prices for parts. In their work they use specific directories and programs - Eurotax, Mitchell, Motor, Audatex. Why did receive payment for repairs is often not enough? Firstly, the real cost of spare parts can be higher. Second, the price used in the calculation of hours of service centers for the insurance company (wholesale distributor customers) may be lower than for private clients.

A common variant of damages - car repair services to those recommended by. This can mean a long wait and poor quality of repair: Car insurers are not in attracting customers. The best option - paying bills after the repair service center, car owners conducted at his own expense. But this method of compensation raises the price of the policy 15-25%.