Insurance – necessity in the modern world
Today many owners of expensive and new cars resort to the insurance of the COMPREHENSIVE INSURANCE allowing to receive various compensation in various force majeur situations. In particular, certain sums in case of any damage or stealing of the car that allows to protect interests of the owner in full are paid to owners of such insurance policy. Besides, insurance
The COMPREHENSIVE INSURANCE is a necessary condition in a case when the car acts as a subject of bank pledge at the conclusion of credit agreements. In such a way banks reduce risks of loss or serious damage of a subject of pledge that gives to crediting process most protected character.
Now in the Russian market there is an impressive choice of offers on insurance in the COMPREHENSIVE INSURANCE format, thus insurance conditions in the different companies strongly differ from each other. As practice shows, independent insurance often leads to various incidents and problems with timely compensations of damage at approach of insured events. Therefore often only the skilled insurance broker in Moscow and other cities of the Russian Federation can help to sign really favorable insurance contract with the company having faultless professional reputation.
Useful data for owners of cars
Not to fall a victim of legal and technical tricks of insurance companies which take place in some contracts of insurance of cars today, we recommend to get acquainted with the following information.
- In case of stealing of the insured car any compensations are possible only in the presence of the corresponding criminal proceedings which is initiated by law enforcement agencies upon a crime. Thus lack of keys duplicates or technical data sheet (PTS) can cause in representatives of insurance company many unpleasant questions, asked the owner.
- Some companies pay compensations for the stolen car by installments according to stages of criminal case that is stated in the relevant contracts.
- The calculator of the COMPREHENSIVE INSURANCE offered by many Internet platforms is the ineffective tool for remote calculation of cost of an insurance. The matter is that the insurance policy of this category consists on the basis of individual researches of the vehicle and still a number of the factors capable to affect service conditions of object of insurance.
- The maximum sum of payments is defined proceeding from the estimated cost of the car so if the vehicle with run is insured, it is necessary to watch compliance of an expert assessment to market price of object of insurance.
- In the course of a choice of version of the insurance policy it is necessary to consider approach of the insurer to depreciation of the car. That is, it is necessary to find out, what degree of wear will be as a percentage stated in the contract of insurance as the amount of payments will depend on it.
- If the insurer offers unreasonably low cost of an insurance of the COMPREHENSIVE INSURANCE, perhaps, various nuances in the insurance contract which will negatively be reflected in the amount of insurance payments take place.
Optimum way of the conclusion of the contract of insurance of the COMPREHENSIVE INSURANCE is the help of the competent insurance broker which thoroughly studied all nuances of the market and having in the to base a wide choice of insurance policies from various companies.