How to choose the insurer for car insurance

You can get paid for motor insurance in the form of money into your account or personal account.

You can repair your damaged car at the expense of the insurance company in the workshop. There is also invariant: STOA can be at our request at extra charge. fee, or at the option of the insurance, for auto repairs under warranty is offered on dealer without. of payment.Some insurance companies can choose the method of payment of the crash when applying for an insurance case to the department of payments.

Requirements for "protivougonki" from different companies can be quite different, and this is quite an important criterion for selection of the Insurer. Other things being equal, it is hardly expedient to choose an insurance company that forces put on Toit Corolla satellite alarm system for tens of thousands of rubles.Payments without reference. Almost all insurers have the option of providing benefits for one (sometimes two adjacent) damaged body parts without certificates from the authorities. In this situation the car after an accident just presented to the experts of the Insurer to inspect and assess the damage.

Such a concession to the Client for motor insurance is usually no more than once a year and has its own limit on the size of the damage (usually no more than 500 USD).

You also need to pay attention to the payment for broken or lost stekloelementy car (lights, mirrors). In most cases, the insurer agrees to pay for them without a reference from the traffic police or the Ministry of Internal Affairs, but there are restrictions on the amount of such payments for the year of auto insurance.

Predstrahovoy car inspection - a procedure in 99% of the mandatory and inevitable. Exception - for all-new interior of the car, or when extending CASCO policy in the same insurance company, if it was not a Client losses over the past year.

Predstrahovoy examination does or staff member of the Insurer, or (more often) the Insured travels on examination by a specialist in the direction of the insurance company.It also happens that by the Insured arrives emergency commissioner to inspect and photograph the car to activate CASCO policy.It is important to know that no inspection, your insurance is invalid because there is no proof safe insured car at the start of the policy CASCO.

So, do not neglect predstrahovym inspection.

And of the options look more attractive option to the emergency commissioner, who will come at a convenient time and place of the Insured for the procedure.

Location Department of payments and its mode of operation - the principal thing, too, sometimes. For machines with premium in the major insurance companies provide so-called "Remote settlement" for car insurance. When the remote settlement of the car owner can claim on the insurance if the dealer center, which was bought and / or service it. There is also on-site customer can solve all the related problem (and paper pass-adjusted, and the car in for repair for the insurance to pay.)

Inclusion in the hull of the Insured for free emergency commissioner and evacuation in case of accident - also an important factor.

In the note can be included mass indices. For example, some promotions, such as 200 liters of gasoline or a gift certificate for minor technical repairs on the road.

Can be specified mandatory deductible for someone of the drivers (usually for the young and inexperienced).

Can be specified up factor for the installment payment of the insurance premium (insurance fee).

Can be specified deadline alert the insurance company about the accident (there are even versions of "24 hours after an accident, but otherwise - refusal to pay"), etc.

Step 6. With the help of comparative tables and their own feelings of communication with representatives of Underwriters during its filling to choose their future insurance company.

As you can see, the science CASCO requires meticulous and responsible, thoughtful approach. However, much of the same function on the quote of risk and comparative analysis of the results can execute broker, but lately more and more sophisticated already experienced Policyholders preferring to deal with the selection of another insurance company CASCO insurance for his "iron friend."