Confusing facts about car insurance: we know what to do

After a series of interviews with Tetyana Shchucheva, director of the insurance company “Express Insurance”, we received many specific questions. Tetyan Andriivna asked most of them for the first time.

A previous interview on the topic of auto insurance can be found here.

What has changed the mind of the military? Can you rob everything online?

Tetyana Shchucheva, director of IC “Express Insurance”

I will say this: clients of “Express Insurance” do not need to see the office of our insurance company before the war, but after the cob. The uniqueness of our client’s insurance service lies in the fact that the client chooses a service station (among the partners of the insurance company), where the wine is planned to be repaired. And there the car will be checked back, and the necessary documents will be signed. Adzhe, the application to the insurance company is not only due to the execution of the documents required for payment. One of the insurer’s priorities is to assess the value of the damages for a fair and legal payment to the insurer or the injured person. Therefore, it is important to organize a handy service in one place. For example, for the same conditions, the client cannot speed up the execution of documents at the service station (for example, if the podia exceeds the cordon), the “emergency commissioner online” service will come to the rescue. Therefore, all documents and images are exchanged for additional handy messengers without an intermediary fahivtsu, which will accompany the client to the complete closure of the goiter.

Who assesses the damage after the insurance case, on what basis are such assessments?

The assessment of the repair rate must be carried out by the service station based on an analysis of the defect of a damaged vehicle, the assessment of material damage – an expert appraiser or a ship expert (vehicle sales expert). Again, I would like to respect that the specialty and reliability of the insurance service at IC “Express Insurance” is due to the fact that the client himself chooses a service station for repair from a transfer of stations service-partner. At this service station, you look around and the assessment is not good. Sometimes, at a glance, we ask an expert-estimator to perform an evaluation. It is necessary to apply for a change, if the car has significant damage (total), the client is required to carry out repairs and / or it is necessary for the legal registration of materials for a recourse call . But it is important for the client to remove the renewal of the car, and not spend an hour on “fighting against the UK” and “spreading” the whole. We understand that for us in the regulatory process it is important not only to pay a fee, but to pay pennies at the service station, as a way to arrange a small repair. At this rank, eating the complaint “feels stupid.”

What is the “non-aggregate sum insured”? Such a badge is in the current insurance programs of your insurance company. How do you get paid to pay?

I can explain the essence of two terms at a time – sum insured and non-aggregated sum insured. The sum insured is the sum of the insurance premiums, within the limits of which payment is due. For example, insurance amount for CASCO agreement – 500 thousand. UAH Means Tse disposable the client cannot charge a fee higher than the amount indicated. If in the contract there is a sign “Non-aggregate insurance amount” – tse means that skin viplata under the contract do not change the sum insured = 500 yew. UAH Now, let’s find out that the client, who chose the option “Aggregate insurance sum” and under this agreement, has two payments: 30 thousand. UAH is 100 thousand. UAH In the future, after these payments, the maximum insurance amount will change by 130 thousand. UAH and stock 370 th. UAH After paying the client, it is necessary to “insurance” (pay in addition) the renewal of the insurance amount up to 500 thousand. UAH If the client does not want to work, the skin insurance premium will change in proportion to the value of the insurance amount and the market price of the car.

I would like to point out that the combined insurance is proposed as an option to reduce the cost of CASCO only for cars older than 8 years.

After reading here, what if after receiving the CASCO policy, it appears that the exchange is closed, indicated in a bold font in the Agreement or in the Insurance Rules. What can language talk about? Why do you have to give respect?

First, there is no “dribbling” font, “rapt” minds in the CASCO agreement. The agreement will describe all the conditions, understand and specifically the legal documents between the Client and the IC and є obov’yazkovim for understanding before signing. Among the minds, in the way to respect your CASCO agreement – the amount of payment and the order of payment in case of total blocking, the order of payment for theft, the order of payment for repairs outside the cordon, the change of deductibles due to the fault of the insured water, the arrears of deductibles in the event of a total loss, the possibility of choosing a service station for repair, the order of payment for payment for payment to the client’s card.

In the CASCO “Comfort” program on your IC, the “protipravnі dії tії osіkh” column is marked “on choice”. Explain, please, what this means.

This means that the client under this program can apply for a CASCO agreement without covering the risk of “Illegal zavolodinnya”.

Other risks – traffic accidents; protipravnі dії; natural phenomena; falling objects; creature attack; pozhezha, vibukh – pokrivayutsya automatically.

Other insurances are imposed on payment of CASCO on the grounds of “gross violation of the DA”. How is your company running low on food?

So, actually, some insurance companies may charge you for CASCO payment in the event of a severe PD violation, but you can also switch your mind to the insurance contract. Skin insurance has its own rules and procedure for establishing the fact of major damage to the insurer’s PDR.

IC “Express Insurance” in the case of regulation under the control of all goiters, as prescribed in the insurance contract and established by other legal documents. I would like to point out that CASCO insurance programs such as “VIP”, “Premium”, “Premium +” cover the bridles, like water separating the PDR.

I expect that the rough damage to the PDR is used: the signal for the light signal on the fence, the removal of the axle line, the speed movement is less than 30 km / year. in accordance with the established standards of the PDR, violates the rules for the passage of air crossings. We understand that the skin situation is individual and placement can be fine. We always try to figure out the best option for our clients.

Once you have read the CASCO programs in your insurance company allow you not to call the police after an accident, so that you are not overwhelmed by 100 yew. hryvnia that pod_ya can provide for Europrotocol support. And yet, transferring the signature of another participant in the accident. And what is this participant – say, a parking attendant?

Currently, it is easy to use in Persh Cherg, it is necessary to call SC hot line. Fahіvets linії pіdtrimki zapіksuє podіyu, coordinating schodo poddіy, to please, chi varto call the police and obov’yazkovo to help register the European protocol.

If the opportunity turns out to be without the participation of another car (for example, hitting the road) and the congestion is insignificant, then the options for CASCO agreements allow not to call the competent authorities, which means saving of customers’ time and nerves.

Well, there are two participants in an accident, in the same participant there are two police cars, the drivers are long-term, who is guilty of a speeding accident, they do not stay in the alcohol/drugs camp, they do not overcome the daily bodily injury/death and the main traffic jam 80 000 UAH – you can use the Europrotocol. How to save as much as possible an hour of participation. Leisure time is one of life’s most precious resources.

Headlights and headlights on our roads – maybe a different material. It’s time to fly fast… How many times does IC “Express Insurance” pay for replacing these parts with zero deductible?

Behind our CASCO programs “VIP”, “Premium”, “Premium+”, “Comfort” with limited protection of car parts (wind and rear folding, door folding, headlights, outdoor lighting fixtures, mirrors), , the franchise will always be zero in freedom due to the number of such cases during the CASCO agreement. As a result of hitting a stone, we blame the need to replace the headlights, we check the client at partner service stations, immediately charge a fee and control the replacement of the part for a new one. Our meta is exactly the same speed as a car until it gets nice.