Car insurance is a must if you want to feel safe in all unpleasant situations. But how to choose an insurance company that will help in a difficult situation and fulfill its obligations in full. After all, car insurance is not at all a cheap pleasure and I want to believe that this money was not spent in vain.
Instructions
Step 1
Compulsory civil liability insurance and CASCO insurance can be made in different insurance companies. But if the first is obligatory when buying a car, then they can only claim CASCO insurance when buying a car on credit. At the same time, banks can choose the insurance company themselves. In this case, CASCO insurance can be greatly overestimated - the bank pledges its interest on the loan into insurance. Therefore, if the bank gives a super-profitable loan for the purchase of a car, this does not mean that you have financially benefited.
Step 2
Popular and advertised insurance companies have a large authorized capital, but they also have to make too large payments for insured events. Therefore, there may be a risk of delayed payment of insurance or long billing. At the same time, a small unknown company can go bankrupt at any time and in the event of an insured event, you will have to contact the union of insurers, and this is a waste of time and nerves. If you buy a new car at a car dealership, you can use the services of the insurance companies that work with it. In any case, before concluding a contract, calculate the amount of insurance in several companies and compare prices and conditions for concluding a contract.
Step 3
When choosing insurance, you can insure your car for several risks: damage (in case of an accident, constructive loss of the vehicle, the consequence of natural disasters, illegal actions of third parties), fire, theft and under the roadside assistance program. You can choose the insurance package that is most convenient for you. For example, a new expensive car must be insured against theft and damage. A used car may need a roadside assistance package.
Step 4
When concluding a contract, carefully read all points. All companies have restrictions on insurance payments. For example, insurance is not paid if at the time of the accident the driver was intoxicated or grossly violated the traffic rules. The insurance must indicate the amount of the insurance payment (its maximum amount), which is intended for each individual case.
