The financial damage caused as a result of a car accident can be quite a large amount, while OSAGO, contrary to common misconception, does not fully compensate for it. Choosing the right insurance company can save a lot of money for the car owner.
Instructions
Step 1
When choosing an insurance company, first of all, you need to pay attention to its popularity and financial stability. This information can be obtained by referring to the ratings of insurance companies. From the rating, you can find out such an indicator as the level of payments (the ratio of payments to the total amount of contributions). This value should be between 30% and 80%. It is very important to study the network of representative offices of the company by region, because An accident can happen anywhere.
Step 2
After you choose an insurance company, you need to decide how and what risks you will insure. Here it is necessary to clearly clarify the interpretation of a particular risk. Because each company can understand them in its own way, carefully study the options for the offered insurance coverage. If you think that the risk includes theft and damage, then auto hull is the best choice.
Step 3
An accident can also harm drivers and passengers, so you should think about insurance against accidents, especially since such insurance is much cheaper than car insurance. There are two options for accident insurance. The first is to insure the entire car interior for a certain amount, while the entire amount of insurance is divided by the number of people in the car. The second is seat insurance, while the amount of insurance for each seat in the cabin is determined separately.
Step 4
The cost of insurance depends on many factors. First of all, this is the model and year of manufacture of the car. As a rule, higher tariffs are set for foreign cars than for domestic cars. Some companies do not insure cars older than a certain period. Driver's experience also affects the amount of insurance premiums. For experienced drivers, a decreasing payout ratio is established, for inexperienced drivers - an increasing one. The form of compensation for damage also affects the price of insurance. It can be performed both in the form of a cash settlement, and in the form of completed repairs. If the car owner prefers to choose his own car service (not the service of the insurer), as a rule, the insurance company will charge an additional fee.
