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.

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What doing when are an accident with animals?

If in the overwhelming number of accidents occur involving only machines or vehicles and pedestrians, then on regional roads are frequent accidents with animals and birds. And what do you do when an accident involving animals and whether it is an insurance event for auto insurance?

Accidents with animals - Causes and Consequences

I would like to warn motorists that an accident with animals is not so harmless, and may suffer losses as a wild heroes of the accident on the forest road and the vehicle.

The most likely and most unpleasant meeting for the driver can be met with a deer. First, elk weighs half a ton and has a very impressive size. Second, it is very moving and courageous animal - a noisy freeway it is not too scary. When an accident with a deer is extremely good chance not only damage the car and injure the animal, but there is a real opportunity for a serious injury or even death of the driver and passenger cars.The second most popular falling under the wheels of cars woodsman - is a wild boar, especially in the spring during the mating rut, when the animal becomes alert and is in an excited state.

However, accidents with animals are not just a traffic accident with damage to his car and, possibly, personal injury (especially if the driver and the passengers were not wearing). Shooting down an elk or wild boar, you cause material damage to public property, which are wild animals. And you can get to a large fine. Precedent for such a penalty has already been created in the Lipetsk Municipal Court, where the judge, guided by the law "On Fauna" fined the driver's death brought down elk, by as much as 175,000 rubles (and, in the amount of the fine went damage from loss of future calves, which this 4-year-old female moose could still give birth).

What to do when an accident with animals

The main rule is, of course, prevention and prevention of such accidents on forest roads. Often, special signs with images of animals are warning about the dangers of the sudden appearance of an animal on the road. Seeing them, you should slow down to a minimum and to redouble attention to the road and what's happening on the roadside, where it can jump cute fluffy bunny, and perhaps rush-foot 500-pound moose, if not a herd of wild boars.

But still, what to do when an accident with animals or birds that have already happened? And your actions are as follows:

 Stay on the scene and call the traffic police, telling them all the details of the situation.

If the animal is small and does not provide you drag, drag it to the side so that it is not re-shot down the other cars. If the animal is large and is showing signs of aggression, it is better not to touch it and do not even leave the car.

If the animal is killed, do not attempt to take him into a game (either in whole or in part) - it can be likened to poaching - persecuted criminal acts.If the animal - not home (not cattle, not a dog or a cat) - you need to contact the Committee for the Protection of Animals and report the incident, as the animal may need help, treatment, etc.

If the animal - pet, then you need to make an attempt to find his owners or deliver a wounded animal to a veterinary service.What to do in case of accident with the animals in the context of insurance payment

When accidents with animals almost always, in one way or another, suffers a vehicle. Something to keep in mind that accidents with animals not included in the coverage for CTP. Voluntary motor insurance CASCO may provide for payment of insurance compensation for accidents with animals, and may exclude such situations from the definition of insured under the policy of Hull. Therefore, even at the stage of signing the contract CASCO certainly confirm this point. And if you plan to travel at least once out of the city on the regional route, make sure the insurance policy in place of the accident with animals and birds as an insurance case.

However, and in danger from our little abound, as a large dog that gets under your car can do decent damage to the car: bumper, grille, radiator itself, bonnet, headlights, etc.

If such a sad mess with you occurred in the city, you should know what to do when an accident with animals in need the same thing as with accidents with wild animals out of the city. However you want to wish that theoretical knowledge of these actions has not received a reason to put them into practice. Be careful and good luck to you on the road!

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Structure of the tariff rate insurance

Tariff on any type of insurance in the most general case consists of two parts:

the so-called net rate (ie, the portion of money that the insurance company actually spends on the payment)

and the load (the money of which she pays taxes, will give zar.platu employees to pay for light, water and equipment repair), in other words, the load - a "non-insurance" cost of doing business.For each type of insurance company claims the individual structure of the tariff rate, usually reflected in a special document of the same name, is signed by one of the most important leaders, stamped and sent to employees in the form of an order, orders, letters.

Next start of difficulty.

Well, let's say a client wants to cancel the contract of insurance. In such a case, the insurance company will not return him to "burden" on the already depleted conclusion / support his contract and all the needs of the business. Let us even assume that the rules of insurance was a literate person, not forgetting to insert the point about keeping "the cost of doing business" to terminate the contract of insurance.The full horror of the fact that the rules of insurance value of the load no one ever says, because every year it can change, what now every time the rules change?

The client can get that "And on what basis do you hold me with an additional percentage?"

What to do in such a case, the insurer? After all, the internal document by naming "The structure of the tariff rate" for the client - not the law, and to make such things on hand are not allowed to ...

A skilled lawyer persuasion, or at least high school honors in law will not catch.

Released in fact only 2, and both, unfortunately, is not in favor of the customer.

The first request in writing an explanation of the reasons for withholding his money unused premiums. But in this situation the insurance company will give it time to produce a legally correct answer, which does not undermine either side.The second option - to sue. But here, the chances of winning the case against the mother of insurance lawyers are not great.

The Council for agents - Inform the client about%, subtract terminate the contract of insurance on the stage of the contract. Because you deserve the trust and customer loyalty, and deliver him from nervous shock in the event of termination of the contract

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Who is eligible to get a insurance payout?

Well, let's say you're driving a car that was bought from a relative a long time ago, but did not have time to remake itself documents, because all of your insurances you mean the insurer and the owner of it. But here there was an accident - whether under hull, or CTP, or DSAGO - it does not matter. You go to the payment of the insurance, and it takes you and says that the money can only pay the owner of the vehicle. And how you do not make sure that your machine for a long time - did not help. The fact is that the insurance is valid one rule: the payment is made to the person who has a pecuniary interest in the insured property. Well, that is the owner, whose rights are spelled out in the Civil Code and everywhere. 

A policyholder, well insured? Terminate the contract, or make changes to it, you can, well, because you pay policy. A payment of an insurance case - no - it's not legal. However, since we live in Russia, where there are always ways around in all that relates to the laws in our case, too, is not hopeless. There ulovochka - go to a notary to issue general power of attorney (so that it is straight separately prescribes your right to receive payment in lieu of the owner) - and all will be under the law, and brilliantly simple. The same goes for insurance of apartments, houses, boats and mobile phones. And yet, this mechanism is very often used with payments to banks insured credit repair machines - they make a power of attorney to his client, according to her, he gets the money for repairs.

Do you know why so many court cases related to insurance? Because of its essence in a contractual relationship. And in any contract, as you know, responsibility, take 2 sides. And the most interesting, in my opinion, in the court of the insurance practice is to distribute that same responsibility between the parties as beneficial to you. For example, in the rules of insurance, the customer is responsible for the accuracy of the information about the insured property, and then catch the insured to some small lies, to not pay at all, or pay as little as possible. 

Or vice versa - to try to prove that the insurer you dezynformiroval, but the truth is more complicated, especially when in the hands of you, you signed a contract of insurance. What can you do. There muhlevschiki who do not sign up, or put facsimile, sometimes having no legal effect, or deliberately make mistakes in the paperwork, so it can be repealed. And, you know, in terms of decent insurer, which erupts over-scrupulousness and corrosiveness client, I still strongly recommend to acquire these qualities: carefully read the papers that you sign, ask questions, remove the shortcomings and mistakes agent. Believe my experience - it is better now than in court.

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HOW TO WRITE A NEW DRIVER In the CTP Policy?

To add a new driver in the insurance, you need to come to the office of the insurance company with the policy and driver's license of someone you want to enter. If the new driver:

over 22 years

has 2 years of driving experience,

and has already been introduced in some CTP policy,

the representative of the insurance company for you to fill in an application for modification and will give you a duplicate copy of the policy.

    Often, a new driver simply appends to the free line, or on the back side of the old policy and assure change the seal of the insurance company and painted manager. In fact, this is wrong because the legal requirements for insurance procedures do not allow for corrections. But the traffic police for such policies with the corrections and do not fine print. And in the case of an accident is usually no problem, because on the authentication phase of the policy by which the payment should be made, as long as the driver at an accident, was recorded in the number admitted to the management of the TC in the database of the insurance company. For the same reason, it is best to fit into the insurance office of the insurance company, not the agent or intermediary in the showroom - you immediately ENTERED into the computer and properly execute all documents.

    If you want to enter into insurance a driver who had just obtained the rights, or the young (under 22 years), the driver, it is likely that you will have to pay under the policy for the increased risk. Co-payment amount is proportional to the number of days remaining until the end of insurance, as well as on the following scale multiplying factors:

If not just seniority - should pay 15%

Only age - 20%

There is no age or length of service - 30%.

    In addition, you can still pay to get the discount, which you have given for accident-free driving - because the new driver does not have a right to it, and the cost of CTP policy is determined by the very risky driver.

    If you are finished writing his own hand a new driver in your CTP policy, in the case of accidents caused by the driver of the insurance company does not pay. In addition, any policeman can fine you and even delayed for a few days for forgery.

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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.

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The order of inspection

Summary of the previous series: Northern Capital, January 2012, Office Rosgosstraha. Mishandled reporter's largest Internet information resource of St. Petersburg under the guise of a very simple car owner viciously trying to pass inspection and get the ticket of the new sample. The main condition he called registration and payment of CTP policy with the same company. And then, without any inspection of the machine and CTP policy issue, and pass inspection and take, roughly speaking, the receipt that he - Client is guaranteed to be the very procedure of the order of inspection, in ZAO "inspection" - a statement inspection at Rosgosstraha. Places of passage THAT only two of the entire city (of Rosgosstraha - two).

What happened next, what turned inspection procedure live?

And then it was here that. Correspondent, as a good law-abiding citizen, went to JSC "Inspection" for the passage of the procedure to order inspection has been fully respected.There he found only one (!) Expert with uncomplicated set of specialized instrumentation. Moreover, none of the warm box or stand there was nothing. The expert went outside to measure, then returned for the new device. Overall, this translates into about 30 minutes of time for each car with a very dubious accuracy measurements in the absence of boxing, stand and proper conditions.

As a result, for this one-time expert he could serve a total of 30 people. Of the approximately two hundred wanting stood that day in the queue for the procedure itself, as the order of inspection required.

Recipes for happiness: how to keep order and inspection rights?

Ready recipes yet. The new order of inspection is still shaky ground for all participants. Already "RESO-Guarantee" and "Ingosstrakh" antirosgosstrahovskuyu launched an active campaign in St. Petersburg, and even raised the question of removing the head of RSA Pavel Bunin from his post due to excessive lobbying the only insurance company.

At this time, we, mere car owners can only hope for common sense and powerful people on the laws of the market economy, which, in the aggregate, to debug the proper order inspection of vehicles that would not violate the rights of the people!

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Fog lights and motor hull insurance

British insurance company Swiftcover, actively carrying out hull insurance in the UK and Europe, announced the findings of a statistical study of insurance claims for 2011, which surprised motorists, because according to these data, fog lights caused 300,000 accidents in the past year!It was about those accidents on the road that have happened because of momentary glare from the headlights of oncoming cars front foglights, causing him to lose orientation in space and carried on hitting other cars flew off the road. Of course, such a situation occurred in the complete absence of fog, ie when included, fog lights are not only unnecessary but also inappropriate.

 Who turns on the headlights, foglights on the case and around the North Albion?

 Then, the insurance company Swiftcover held a small sociological survey among its customers who have signed a contract for hull insurance in this insurer, as well as to other motorists of the country. The purpose of the survey was to find out the situations in which motorists include headlights, foglights and what - no. By the way, the law of England banned the use protivotumanok included in visibility over 100m on pain of a fine of 30 pounds-sterling.

Results unpleasantly surprised, because more than 3 million of those polled said that they include the fog-lights exclusively on their own, and not by the order of the law. Young drivers are also introduced to some shock: it turned out that 20% of drivers surveyed to 35 years regularly travel with the included fog lamps, for so their cars look spectacular, and almost none of them have not even thought about the consequences of their actions for other drivers.In large cities (London, for example), more than half of drivers regularly travel with headlights foglights to enhance the effect of the beam, but each of them at least once a year was blinded counter fog lights and narrowly missed because of this accident.

 As is the case in our culture use the fog lights?

As is also the case with us? That tell us about the rules of the road fog lamps, and a hull insurance can be connected with it?Our, Russian traffic rules, provided only a description of the use of fog lights, but never mentioned about the ban on their use:

"P. 19.4. Fog can be used:

in conditions of poor visibility alone or with a passing / driving lamp;

in the dark on the non-illuminated roads with passing / driving lamp;

instead of the low beam headlights ...

19.7. The rear fog light can only be used in low visibility conditions. Do not connect the rear fog lights to the brake lights. "

In view of the above, we wish our drivers and the appropriate use metered-fog lights on the roads, in fact, blinding the oncoming driver, you too may suffer from his car lost control. And, of course, do not forget to draw hull insurance on your car! Courtesy and reasonable approach - a guarantee of the order on the road!

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