How to avoid fraud in insurance (CASCO CTP)?

For many relevant insurance at such a time, how to avoid becoming a victim of fraud. Most of the "competent" staff advised to call the insurance company and the policy number to find out whether such a policy is issued by this company. A positive response is considered a formal offer authenticity policy. But to CASCO insurance policy in force, must be timely receipt of the insurance company the following items: 1) Self-copy of the insurance policy, and 2) Carbonless receipts, and 3) an act of self-copying inspection of the vehicle, and 4) pictures of the vehicle, 5) photographs or copies of client documents (passport of the insured, the Title, registration certificate, driver's licenses of all eligible persons to control), and 6) and, of course, CASH. (!) 

Therefore, checking for policy number will not give you anything. Although, as a rule, all forms of policies are issued a receipt and a copy of the passport, or staff members. This significantly reduces the number of people willing to cash in such unflattering way (as the saying goes, "you want to afford"). It refers to the fact that, after diligent design of the policy and related documents will not get the money to the insurance company, and are contrary to the laws and moral norms arbitrarily assigned an unscrupulous agent. If we look at the legal side of the issue, the existence of the policy you have the original receipt and allows to claim from the insurance company (which in turn as a powerful organization will find a way to collect money from the organization that issued the policy or with the agent. Either write off a loss, if fraud was No agent or agent only, but also the organization).

CASCO required for the following procedures: 1) fotoosmotr TC, 2) filling the policy and act examination of data from the documents of the insured. The exception here is only one - the insurance of the vehicle, checking out of the showroom. Inspection does not take place, it is replaced by a copy of the act of transfer and acceptance of the vehicle. The documents on this moment there are only TCP, passport and law.

How can you avoid this? You can, of course, give the old advice: the doctor, the priest (confessor, receiving confession) and an insurance agent should be any one. But now made their adjustments in respect of an insurance agent. In practice, this is reflected in the fact that someone leaves the sphere of insurance, something someone else and so on. In other words, the few who have a permanent insurance agent.

As you know, "miser pays twice", and even three times. Therefore it is not necessary to pursue the proposals with a very much lower price, especially expensive insurance companies like "Ingosstrakh", "Alfa Insurance": it is possible to prescribe any sort of understated premium and then not deliver the policy.

Agent should choose on the recommendation of friends and acquaintances. In the conversation the agent is focused on your needs for insurance (although novices tend to count all the proposals and to offer you the cheapest). The question itself is not a party prices never go round, but I have experience allows offhand determine which insurance company more profitable to insure a particular car, combined with the experience of drivers. In principle, the answer to this is over. If there is interest in more private matters or to a particular situation, write a personal message with an email address will receive a detailed response.