Insurance has long been included in our daily life, it has become the most common, natural action. This is an indicator of the rationality, foresight of a person. After all, if as a result of a natural disaster, accident, accident or someone's illegal actions, his health or property is damaged, the person will receive payments from the insurance company. In some cases, the amount of these payments fully covers the amount of damage incurred.
Instructions
Step 1
Inquire about the company you want to use. What kind of company it is, how long has it existed on the insurance market, is it included in the Register of Insurers of the Russian Federation, and more. Carefully read the information posted on the website (if the insurer has one), read the reviews. Also ask around people who have already resorted to the services of this company - are they satisfied, were there any problems, difficulties with the payment of insurance amounts.
Step 2
Try to get an impression of the insurance company, judging by the level of competence, politeness of its employees, willingness to answer the questions of a potential client, provide him with all the necessary information, and so that everything is simple and understandable for him. To do this, it is better to visit the office of the company, and not be limited to a phone call. Feel free to ask questions. After all, you want to pay people for their services, and therefore you have the right to make sure that your money does not go to waste.
Step 3
Try to choose an insurance company from the list of reputable organizations that have been providing such services for many years. And remember that the level of payment for their services should be close to the market average. Do not repeat the mistake of people who trusted an unknown office, being tempted by low fees.
Step 4
When talking with insurers, be sure to specify: if an insured event occurs, will you need to contact the same office or another address? If it turns out that you will have to contact another office (especially one located far away) - think about whether you need these extra hassles.
Step 5
Understand the terms of the contract in the most thorough way. Pay special attention to the following points: what is considered an insured event, under what conditions and in what amounts the sum insured is paid, and under what conditions the case is not considered an insured event (and, accordingly, there will be no payments). Of course, this is not easy for people not versed in legal intricacies, but do your best to figure it out. This will save yourself from possible problems and losses.
