Auto Insurance in Russia is becoming increasingly popular. Many insurance companies try to protect themselves in case of low income, including in the contracts are different tricks. Always need to understand that the insurance The company operates for profit, and the fewer insurance claims, the profits will be higher. Two main types of car insurance - osago and helmets. However, remember that unlike osago, Hull is not compulsory insurance. For each client, they have individual conditions and prices, so there is much more different tricks. Consider a few: - The various insurance companies bid for Hull can vary from 5 to 10%.
Only about a dozen big companies can afford to omit this level below 5%, so if a small firm offering rate below 6%, is suspicious. In such cases, there may be various mandatory requirements that hit on your wallet. - When choosing an insurance company needs to immediately clarify all the necessary information for you, so you do not pop up "interesting" detail. - Treaty of Casco contains the policy and application. And although the customer's attention will always try to focus on policy, the most important points may be contained in the annexes. - An important point - or aggregate amount of payments under the contract.
Aggregate is the sum of insurance payments that do not exceed the numbers surrounding the contract. - Also in the contract small print can be set and hidden franchise. For example, the insurance company agrees to pay not more than 3 insurance payments per year. - Very vague notion of "hijacking", "damage" and "fire". If a car was set on fire, it is - arson, but no fire. And if you are offered separately to insure the possibility of theft, you should think about sincerity of the company. - Pay attention to the signature on the contract. This should be a signature or a representative of the insurance company or broker signature, which has a power of attorney to sign such contract. Otherwise, the agreement shall be deemed null and void. - The contract may be present paragraph, which states that the insurance company may refuse to pay because of non-covered service on time. - Some parking lots are not protected by legal status. - With theft insurance company may engage in a maximum of 2 months looking for their own car. - The collection of documents from the Traffic Police, police, housing department give 15 working days (It usually takes longer). - Repairs carried out in a "proper" service station. If it is written in the contract, the quality is useless to complain. - Sometimes there is a point - pay for the cost of spare parts needed to repair or repairs. - Fixed cost of standard hour. In the case of a rise in price of services the client shall pay the difference. - If the damage is estimated at 4-5% of the sum insured, the damages produced without the help of competent bodies. In fact, the amount of damage may be higher than specified. If you ask the opinion of employees of insurance companies, they in one voice would say it all - a myth or a harmless marketing ploy. It is understandable - who wants to reveal their secrets? Experts recommend avoiding these "stones" to go for advice on choosing an insurance company to my friends who have already experienced this. And before you sign the contract, it is very carefully review it.