In accordance with the legislation, compulsory motor third party liability insurance (OSAGO) is necessary for all car owners. OSAGO is designed to protect the owner of a vehicle from the obligation to compensate for damage to the property and health of third parties, to whom he may harm during the operation of the vehicle. How to choose an insurance company to purchase an MTPL policy in order to get the necessary payments as conveniently and as soon as possible without unnecessary nerves?
Instructions
Step 1
Choose a company that has proven itself well. Read reviews on the Internet, many sites publish so-called "black lists" of companies that do not pay insurance premiums, as well as fly-by-night companies. Talk to friends, especially those who have been involved in an accident and have experience with an insurance company.
Step 2
Study the reliability ratings of insurance firms. The most popular of them are Expert RA and NRA. The higher the rating of the company, the more financially stable it is. However, other characteristics of the insurer, unfortunately, are not included in the rating criteria.
Step 3
Ask the manager of the company whether the organization is a member of the Russian Union of Insurers. Membership in an organization should not be a decisive indicator, but if you have a choice, give preference to the company that is a member of the Union. The fact is that in the event of the insurer's bankruptcy or other force majeure circumstances, the Union assumes part of the financial responsibility of its member.
Step 4
The Federal Insurance Supervision Service periodically publishes data on insurance companies that deal with OSAGO. Find the most recent document on the official website of the organization. When studying this document, you need to pay attention to 3 indicators: the amount of premiums, the share of auto insurance, the percentage of payments. In terms of premiums, it is optimal to choose a company from the middle of the list by this indicator. The lower the share of car insurance in the company, the better, because the firm experiences lower risks. The percentage of payments tells how the company pays money for insured events. The optimum should be between 30 and 90 percent.
Step 5
Evaluate the advertising work of the company in attracting customers, especially if they are actively inviting those who are interested in getting hull insurance. The fact is that this type of customer service is a rather risky business for any insurance company. And if an insurer seeks to attract customers for this particular type of service, then the initial favorable insurance conditions can be replaced by a long wait for payments on an insured event. Of course, any insurance company pursues a certain advertising policy, but with an overabundance of advertising, the company is clearly trying to urgently raise money at the expense of new customers and acts on the principle of a kind of financial pyramid.
Step 6
Find out in advance to whom and in what form the money is credited in the event of an insured event. This can be either cash payments or transfers to a bank account. If you already have bank accounts, and a proven auto repair shop, with which you are used to dealing, also works by bank transfer, there is no difference in the form of payments for you. Otherwise, when withdrawing funds from a bank account, you will have to part with a certain percentage for cashing out funds.
