Methods of payment for CASCO

What are the insurance benefits under hull, and what - is preferable

Ways of insurance payments on CASCO not so much. They are all, in fact, two:

Payment on hull damage calculation on cash;

Payment against Hull in the form of repairs in the workshop.

With each method of insurance payments under hull is divided in turn into two types:

CASCO insurance payments based on the calculation of damage are:

1.1.S into account depreciation of car parts;

1.2.Bez excluding depreciation vehicle parts.

Insurance payments for Hull in the form of repair of insured vehicles in the workshop are:

2.1.Na STOA optional Insured.

2.2.Na STOA insurance company.

Let's look at each option under hull insurance payments a little more detail.

CASCO insurance benefit - cost estimate of damage

Calculation of damages in Hull is the expert opinion of automotive appraiser's number and nature of damage to the machine and the cost of repair. If the car is fairly fresh (usually up to 7 years), the calculation of damages for it is calculated without taking into account wear and tear on the details, ie in the cost of repair the machine turned on full price of new elements to replace the damaged ones. If the car has a considerable age, it is usually possible to insure only with the form of insurance payments on the hull in the form of damages calculation taking into account the wear and tear of parts and machine components. This means that when a judge will consider the cost of repair, instead of the full cost of those items that need to be replaced, it will take about 25% -75% of it, depending on the age and wear of the vehicle.

Insurance payments for Hull in the form of repair at the service station

This type of insurance claim can be made as to the service station at the request of the Client, and only those service stations with which this insurance company has a contract and that provide significant discounts to repair insured cars.

If the insured vehicle is practically new and still under warranty, the repair will it be a authorized dealer service station, or at the client's choice, either in the direction of the insurance company if your city of dealerships for this car brand a few.

Insurance payments for Hull - can choose when and how to take

As a general rule, the method of insurance payments on CASCO negotiated at the beginning, at the signing and issuing CASCO policy. Some insurance companies provide a range of ways indemnity, some not. In addition, there are several large insurers, which allow their customers to choose a way to obtain insurance benefits under hull is not in the contract CASCO, and upon the occurrence of the insured event and the application for payment under it.

When choosing a method of compensation for motor hull insurance, consider the following:

Insurance payments for Hull in the form of repairs on any workshop at the Client's are always more expensive. That is, when buying a policy with a way to Hull insurance premiums you paid for it about 20-30%.

Insurance payments for Hull in the form of repair in the direction of the Insurer will cost less, but you will become a kind of hostage to the relationship between the insurance company and this service. After all, so many examples of conflict situations, when the insurance company is bad and not paying the bills on time service centers (rightly or not - is another question) and then the car service in retaliation for not giving refurbished hull cars to their owners-to-maturity debt on their accounts for this repair. Also, quite often the quality of repairs in the service station, the selected insurance company, leaves much to be desired, because the insurer is interested in minimizing their costs and savings on auto repair almost always affects the quality of the repair.

Insurance payments for Hull in the form preferred in the calculation of damage if you are sure of your insurance company and in terms of its benefits. After breakaway layer in the form of service centers that can repair a time machine "in debt" you will not. In addition, there is a danger that avtoekspert concerned insurance company will face underestimates the real figures for motor hull damage. But it can be appealed calculation of damage insurer, giving its calculation of the independent certified auto appraiser. But having received the money for the calculation of damages in Hull, you will be able to repair their own cars while on an official dealer, even with their hands in the garage.