Order refusal of MAX Company Insurance
Forum
on the Internet messages full disgruntled car owners: the insurance
companies do not pay posited amount, underestimate it. When
a Muscovite Julia C. insured Toyota Rav4 on the hull in the company
MAX, found in his car scratch affecting the wing and two doors, she
called GIDBB employees, received all the necessary information and
timely notified the insurer. Repair
the car in the technical center, which collaborates MAX, Julia did not
want to, and immediately indicated that he would take the money for
repairs. "Every
day for an hour dial in to the insurance company to find out how the
consideration of my business" - outraged in an interview with "Money"
Julia. Three months later the answer came: for the repair of three parts insurer was willing to pay 5.5 thousand. Rub. "For
the money to remove the scratches from the three parts impossible, -
says Yuliya.- Then I agreed to repair the car when the insurance
company, but this was refused, as I have already made a choice in favor
of cash payments." Julia gave the case to review and attach the calculation of the official dealer of "Toyota Kuntsevo" - $ 1500. After another two months IC MAX paid his client 6236 rubles.
"This
is a standard ploy of insurance companies: services, with which they
cooperate, give them discounts, and insurers to explain to customers
that are willing to give them money for repairs, based on the prices of
services - warns expert consultant of motor insurance company" Alpha
Insurance "Constantine Tomaszewski .- It is not right, the amount of payment should be calculated based on the market value of the repairs. " When talking about a relatively small amount of money, customers often agree to the terms of the insurer. Dmitry
Karnaushenko from Barnaul more unlucky: July 22 in his new Volkswagen
Golf, parked on the street, drove a taxi driver asleep at the wheel. The
service center of the damage was estimated at 595 thousand. Rub., But
the appraisers cooperating with the company "RESO-Garantia", where
Dmitry acquired Casco, counted 312 thousand. Rub., Explaining that
photograph the damage PPC they can not and will consider extra after parsing machine. After
30 days (although the contract specified period of 20 days) the car
owner received the money - 243 thousand. Rub .: appraisers in the
photographs were not recorded some of the damage and the cost of repair
insurance company deducted from the previously determined amount. "The
service I was given a bill for 257 thousand. Rub. Only for parts -
angry Dmitriy.- In addition, all the calculations were conducted in US
dollars at the exchange rate for July 23, and the money given in
September - 25 th. I lost only iz because of this. "
Insurers say the minimum only when it suits them. Muscovite Svetlana Sakharov MAX insurance company assessed the repair of its Opel Astra in amount greater than was necessary. It is not in good faith, and to give an opinion on that machine can not be repaired. "More
than a month after the accident in the MAX led calculations and then
returned a verdict: the cost of repairs exceeds 80% of the value of the
car itself," - says Svetlana. The Treaty provides that in this case, compensation is paid according to the scenario "complete destruction" of the vehicle. The
wording suggests that the client can not leave the car at home and get
the money for the repair: need to pass the company "fit the remains of"
get the location and amount or leave them at home and do not get
anything, but then pay them the value of the company. Began mathematical charades if Lending "remnants", get $ 6693 if you want to leave at home, they are priced at $ 6700.
Over
filed written request to provide it with a calculation of Svetlana
damage MAX meditated three weeks, and then refused, citing the fact that
it is an internal document of the company. "Obviously,
they considered all the highest dealer price, although the car more
than three years, noticed even a small dent on the dashboard in the
cabin" - outraged Svetlana. If
Svetlana immediately decided to take cash, refusing to repair MAX, the
company is unlikely to be assessed on its dealer prices and it did not
come to be "complete destruction" of the machine. Which, by the way, he left the accident scene on their own. "The car I repaired at their own expense, and with MAX suzhus here for six months," - says Svetlana.
Insurance companies do not fulfill their obligations for several reasons. An
insurance agent from Moscow Alexey Kleimenov explains this heavy
workload and lack of professionalism of staff: "Wages are low, and to
find good people, willing to work for the money, it's hard." But the main thing - it's the interpretation of domestic insurers with market principles of cost minimization. "Insurers
are aimed at reducing the payments in order to increase profits, - says
Sergey Onishchenko, director of the first insurance agency in charge of
brokering in Nizhny Novgorode.- In some companies, employees receive
bonuses from the amounts that were repulsed by customers." Delays
in payments to insurers are also playing into the hands Money customers
do not just wallow in the company - they can be used in market
operations. Elena
T. from Odintsov no claims to the company "Rosgosstrakh" for the amount
paid for her stolen Lexus RX, but she had to wait for the money for
more than two months. "Insurance activities are regulated by about 80 federal laws, - says
Nikita Shabatin.- but tough restrictions on time payments on the hull is
not spelled out."
Themselves insurers point out that, along with the medical segment of car insurance is the least profitable. "In
Russia, the accident rates - 120-140%, - says Director of the
Department of complex insurance" Ingosstrakh "Vitaly Knyaginichev.- This
means that for every 100 contracts for about 130 insurance cases. In
the West, the figure is about 10%." Nevertheless,
he said, the growth in sales of motor hull insurance policies last year
reached 40% and the trend towards market expansion continue. "Over
the past ten years, prices for motor hull insurance fell by half,
despite the fact that the main product - insurance - added the number of
additional services: the evacuation of the car from the accident scene,
leaving in place emergency commissioners and so on. D." - He adds. The
insurance companies are pleased to expand its customer base, and
sometimes do not calculate their strength, which leads to problems with
paying customers.
