Insurance company - bankrupt

The main thing you need to remember: any insurance company in the bankrupt at one time do not get. And if you insure your life or property, or liability of any insurance office, you should know the signs of an approaching threat (the insolvency of the company). Immediately, we note that these signs are indirect and external, so to speak, for quite unsophisticated "user". So:

Stalking you wish to insure, in which insurance agent (manager) begins to trade and resets the price of insurance - it does not have proof that this insurance - bankrupt in the near future, it is the policy of the office - the money now, at any cost, even dumping.

Delays in payments for car insurance. And it should not be just a bureaucratic delays (not enough of those or other securities), but the real problems with the means. This point can be tracked by detailed reviews on the Internet, where the numbers of the vyplatnyh cases that are ready for settlement. Also in the office of the insurance company before you go to the sales department - go and sit in the department of payments, look, look - will appreciate the service and atmosphere. Many insurance companies - are bankrupt before failure experienced all exacerbated by financial difficulties.

Staff turnover or their endless shuffling. If you are already insured and service their contract, or renewing it for next year - will certainly look at the personnel changes. The endless reshuffles management training at the secondary level - a symptom of some kind of instability that could be associated with the reorganization, or a personal approaching end of the world for the office.

In this regard, strongly recommend that you do not have to insure the insurance agents or brokers, and directly to the office of the insurance company where you will be able to independently and reliably assess the atmosphere of the presence or absence of warning signs, etc. There are cases when insurance companies bankrupt continued implementation of insurance policies even after the suspension of the license, including the channels through agents and brokers. And such a policy - is insignificant and makes absolutely no rights to its owner.