Ironically we have yet to take root the insurance against this risk, The neglect of probability of an accident (injury of the driver and passengers in accidents) is due to not so much the lack of foresight of our countrymen as their meager finances. For the people to contact costly repairs far worse than to […]
Ironically we have yet to take root the insurance against this risk, The neglect of probability of an accident (injury of the driver and passengers in accidents) is due to not so much the lack of foresight of our countrymen as their meager finances. For the people to contact costly repairs far worse than to think about their health, maintain it and strengthen it. Only 1% of people is this indicator of an insurance policy against accidents, sold by insurance companies. Slightly more (2%), they are sold in a package with civil liability, but much more common in the combined policy (theft, damage, liability, accidents – 17%).
The damage
A lot of the insurance companies recommend the customers to maintain their vehicles in the service centers, whose work they have been verified. Insurer is to authorized service centers, long-term contract. In this case, the insurance company can trust the quality of spare parts and carried out works that directly affects the condition of the vehicle, reduces the probability of failures in the vehicle during the operation and size of the insurance payments. Some companies are willing to reduce the cost of insurance, if the client agrees to maintain the car it is recommended by the service centres.
The compensation may be due to large payments and related insurance premiums. In an effort to expand the number of insured car owners, insurance companies increase the range of additional services and offer more attractive options for redress when an insured event. For example, the car owner can be offered three options for redress:
1. the car owner is paid through the repair shop and the insurance company reimburses the cost of repair;
2. the insurance company itself estimates the cost of repairing the damaged vehicle and pay the work of the repair shop, with whom it previously signed a cooperation agreement;
3. The insurance company owns a service station, they will repair it of the crashed car.
The stealing
If a car which was insured is stolen, the owner is sent to the nearest police station and left a statement on the incident. After this the police have 60 days to search the car. If after this period of time the car is not found, the car owner receives a certificate of suspension of criminal proceedings. This certificate shall be in the insurance company, which was insured vehicle. The company in accordance with the contract within 5-15 days should consider the application owning the car and pay the insurance compensation. So, in this scenario since the theft until the insurance compensation is 75 days. The indemnity is equal to the value of the car minus its depreciation at the time of payment.
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