How not to go broke on the design of OSAGO?
Last year, car owners had to face problems related to compulsory insurance insurance.
Firstly, many insurance companies resorted to the introduction of an honest departure scheme from compensation, transferring losses of losses much further from the main offices. Secondly, the ability to buy a policy began to be provided only to those who had a technical inspection no more than six months ago. And recently the number of OSAGO policies has been reduced at all.
Ufa car owners complain that when applying for OSAGO policy, insurers impose additional paid services that cannot be abandoned. “When buying a car, the seller of the car dealership offered me two“ profitable ”insurance companies. One company of life insurance costs 1,500 rubles, and the other has 600 rubles, ”said Alexey.
“The Executive Director of the AvtoSUSTR RO Sergey Kuznetsov explains:“ The Law on the Protection of Consumer Rights says that the imposition of additional services when acquiring another is illegal. So, you have the full right to receive the service, and the insurance company owes you to sell it. If you have received a refusal, you must contact the Society for the Protection of Consumer Rights “.
Another “innovation” of insurers is an inspection of the car, although they do not have a specialist for this. If the car owner refuses this procedure, the insurance policy is not issued to them. The reason for this behavior of insurance companies is that they want to achieve an increase in territorial coefficients to calculate the cost of the policy.
Another problem in obtaining a policy is a lack of forms. But the whole point is that when the insurers learned about the upcoming increase in tariffs, they “pretended” that they have a lack of forms. After all, everything is clear here why they will sell the policy, for example, for 4-5 thousand, if after 5-6 months it will be possible to take 6-7 thousand for it.