It seems that car insurance reduces losses if something happens with the car under any scenario. The main risks are accidents and theft. Everything is clear and there are no problems. But in the contract there are several items which must be carried out by vehicle owner but which are not always brought to the […]
It seems that car insurance reduces losses if something happens with the car under any scenario. The main risks are accidents and theft. Everything is clear and there are no problems. But in the contract there are several items which must be carried out by vehicle owner but which are not always brought to the notice of the insured by the representatives of the insurance company.
You should always remember that it’s necessary to get acquainted with the terms of car insurance contract if you want to be compensated in case of traffic accident or theft. In most of car insurance contracts there is information that for losses reimbursement in the case of theft the vehicle owner should have: the vehicle registration documents, registration certificate, pass from the car inspection and two sets of keys. So if you got used to keep some of documents in the car you are risking not to be compensated.
If you want to be sure that in case of your vehicle thief you will be fully compensated you should follow some obligatory rules:
1. To carry with you all the documents for the car, keys and consoles of protective devices. You should not hitch the pass inspection talon on the glass as it is stipulated because you could accidentally forget it.
2. From 0.00 a.m. to 6.00 a.m. you should keep your car either in the garage or on a paid parking lot. If at 2.00 a.m. you leave the car for 5 minutes near with the store to buy products and car is taken away you will not receive the insurance payment.
3. You should not let the people who are not mentioned in car insurance contract to control the insured vehicle. So if you use your car to arrive to the party, then do not expect that there will be sober friends who will drive your car and take you home.
4. Immediately after the insured event you should document it, call the police, traffic police or fire service and notify the insurance company.
5. Do not violate the traffic rules and conditions of the vehicle exploitation. If you have been driving through the city with a speed of 70 km/h instead of the prescribed 60 km/h, or if in the trunk of your car lays a load of 80 kg instead of the prescribed 50 kg, the insurance company will not be able to pay the insurance premium.
So if you want to be sure that you will definitely be compensated in case of insurance event you should follow the prescribed rules. So before taking your car off the garage you should carefully study your car insurance contract and who knows – maybe you’ll find even more pitfalls! So be aware and drive safely!
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