Who needs to read the rules of insurance? (part 2)

Oral presentation and interpretation of the text of the Rules of the insurance agent insurance has no legal force. You will not be able to make even then a recorded voice to the claim, if you have to fight with the insurance company for payment. All the same, the priority will be for the Insurance Regulations as per legal document signed by both parties to the contract. The insurance agent should provide answers to customers' questions as accurate and unambiguous wording - and that the wording of the same Rules of insurance. That is, Ideally, in an absurd insurance agent will read us the same security rules, literally and items.

An insurance agent is interested in us as a Customer - ie the source of their income. So, we have no assurance that its interpretation of the Insurance Regulations will be impartial and will not fall out of it essential for us moments later. That is, there are no guarantees that the insurance agent is objective and is responsible for the mistake in explaining the essence of the Rules of insurance.

Question. What, then, us-Insured Clients do? Who can be trusted?

Well, first of all, can you believe my eyes and ears, and still spend time and attention to the awareness of the contents of the Rules of insurance. Some of us are more receptive to information on hearing, and for such clients, many insurance companies have set rules on insurance phonorecords.

Secondly, you need to charge shtudirovanie and interpretation of the Rules of insurance - disinterested professional - independent legal service that the contract for the provision of services to the Client shall be liable for legal advice and give a written opinion on the content of Insurance Regulations (including provisions in their disadvantageous for client).Of course, the assistance of a lawyer is worth the money. But it's much less money than the premium paid in vain under the policy, whether or not the indemnity due to our lack of knowledge of the requirements of the Rules of insurance.

In the West, it is generally normal - to give the Insurance Rules for legal review before signing insurance contracts. Let's hope that Russia will learn and apply carefully to their resources and prevent possible loss of money!