Payments "Rosgosstrakh": reviews. How to find out the amount of payment and terms?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Rosgosstrakh is one of the five largest insurance companies in Russia. It was formed in 1992, and if we count the history from Soviet times, then it began in 1921. To date, there are almost 80 branches and over 3,000 offices and divisions. The company specializes in insurance of life and he alth of citizens, property and liability.

"Rosgosstrakh" consists of a leading open joint-stock company and includes several other companies with a narrow specialization, such as IC "RGS Life", "RGS-Medicine", PF "RGS".

In the article, we will consider how payments are made by Rosgosstrakh. Do policyholders have problems with this, and if so, what are they, what are they connected with and how to solve them.

Auto insurance

Many Russians trust this type of insurance to Rosgosstrakh. In order to take out OSAGO insurance, froma citizen will need a passport, vehicle registration, driver's license and a document confirming the passage of a technical inspection.

In any of the company's offices, as well as on the website, you can both issue and renew an insurance policy that is issued for three, six or twelve months. The most popular, of course, are insurance policies for 1 year.

The document can apply to all persons who will drive a car, or be limited to specific people who are allowed to drive this vehicle. Not only the amount of the policy depends on this item, but also the payments of Rosgosstrakh, if any, are required.

The cost of insurance may depend on the following factors:

• car categories;
• his motor;
• driver experience and age;
• residence and registration;
• Accidents that the car owner has recently been involved in.

Depending on individuals and their vehicles, there are also objective reasons that affect the cost.

Payments made by Rosgosstrakh in 2016

Data for the beginning of 2016, published by the Russian Union of Motor Insurers, showed a disappointing result for this large company. It turned out that Rosgosstrakh's payments for OSAGO amounted to 8.5 billion rubles, while there were fewer fees: only 7.7 billion rubles. It should be noted that the negative indicator happened for the first time in the last 13 years.

After the CMTPL rates went up at the end of last year, premiumsthere were more payments by almost two billion rubles. But at the beginning of 2016, the market share dropped sharply by almost ten percent.

Rosgosstrakh itself does not comment on insurance payments. However, the company is confident that such an indicator does not at all indicate that the organization can leave certain regions. Payments turned out to be more than premiums for the reason that they were calculated according to the tariffs that were formed last year. At the same time, at the beginning of 2016, Rosgosstrakh already announced that OSAGO was no longer interested in the company. And at the end of March, the company even suspended the electronic sales of insurance. According to the PCA, as many as two-thirds of electronic policies belong to Rosgosstrakh. Losses have become somewhat smaller, but still continue to grow. In addition to this company, other insurers are sounding the alarm. Many, however, also connect the crisis with the actions of auto-lawyers.

The company's losses are the profits of auto lawyers

Some insurance companies believe that it is the outrages of auto lawyers that lead to the fact that a crisis is brewing in the system. Therefore, they even plan to submit draft laws with amendments so that all insurers have enough tariffs for their normal functioning.

But if insurance companies care about their profits, ordinary car owners expect to receive such compensation in case of an accident that will cover all the costs of repairing the vehicle.

After studying the thematic forums, it turns out that, according to many car owners, Rosgosstrakh underestimates payments in case of an accident. Exactlyfor this reason, they are forced to turn to the help of professional lawyers in order to "knock out" the amount necessary for repairs from the insurance company. As you can see, many of them are successful in court. As a result, insurers suffer losses and, in turn, underestimate payments. It turns out a vicious circle. But back to insurance.

Voluntary insurance

In addition to OSAGO, there is also voluntary CASCO insurance. It differs from OSAGO in that Rosgosstrakh makes payments in case of an accident on it in case of damage to the car during an attack, an accident, theft and other situations. For experienced drivers, there is a separate type of policy called "Anti-crisis CASCO". Its cost, compared to the usual, is half as much.

As an addition to OSAGO, you can purchase DSAGO or DGO, which compensates for damage if it is caused through the fault of the car owner.

OSAGO: insurance payment

The insurance company pays money upon the occurrence of an insured event if:

• the car of the accident participant who is innocent of what happened suffered;
• damaged traffic lights or DD signs;
• the driver or passengers suffered.

Compensation for damage to life and he alth can be up to five hundred rubles, and property - up to four hundred. Payment can be made both in cash and through repairs. In the latter case, if the damage to the vehicle is greater than the company can pay, the missing amount must be reimbursedresponsible for the accident.

In the insurance company no later than 15 days after the incident, you must provide a passport, certificate, vehicle registration certificate, accident certificate, accident notice and a copy of the protocol.

What to do if the payment amount is too low

So, the paperwork has been submitted and you are awaiting payment for the repair work. But suddenly it turns out that the amount received on the account is clearly underestimated and will not cover all the costs of bringing the vehicle back to normal. What could be your next steps?

Someone will take what is offered and stop there. And others will seek a fair payoff. If you have chosen the second path for yourself, then you will have to order an independent examination so that in the future you can prove an underestimated amount by suing Rosgosstrakh. The payment amount is disputed by the following preliminary actions:

• apply at the office where the policy was issued;
• call the hotline;
• appeal to management.

It happens that such actions are enough to revise the payment. However, if the company still refuses to increase the amount, you can file a complaint with the PCA, then contact legal advice and, after taking the actions recommended there, file a claim.

Independent expertise

Almost all consultations will tell you that you need to order an independent examination. This service is popular with car owners. After all, appraisers of insurers, as a rule, are not so independent. For example, they cando not notice hidden defects that will be revealed only during the repair. And then this breakdown will have to be paid from the pocket of the injured party.

Independent examination, ordered by yourself, must be paid. But, if the results of the examination do not coincide with the one carried out by the insurers, and you will challenge it in court, you must indicate in the statement of claim that the costs of an independent examination by the insurer be reimbursed.

Moreover, if the amount of CASCO payments is disputed, experienced car lawyers include in it a claim for compensation for moral damage, which in the case of voluntary insurance is often satisfied by the court, and insurance companies do not mind.

Conducting an independent examination

So, an independent examination is carried out as follows. A participant in an accident orders a service and pays for it, receiving a payment document (on the basis of which expenses will be collected in court). It is advisable to describe the nuances that seem disputable to him in the assessment of the insurance company. For example, no hidden defects were found.

If necessary, third party appraisers agree on the place and time of the inspection with third parties. During the inspection, all damage to the vehicle received during an accident is carefully recorded by photographing and a detailed description. Further, accurate calculations of the necessary spare parts and restoration work are carried out. The current amounts from official dealers are taken into account if the car is serviced by him, or the average market. Also importantwear factor. Information on prices is taken from large Internet portals or stores in the region where the accident occurred. An expert opinion is being prepared. Often, such organizations offer further legal support, that is, conducting a case in court.

Compensation payments

Rosgosstrakh does not make payments in the case of the compensation plan. This is what RSA does. The following grounds are required for compensation:

• bankruptcy of the UK;
• expiration of her license;
• the culprit in causing damage to the victim has not been identified;
• the culprit does not have an insurance policy of any insurance company, including Rosgosstrakh.

Payment of compensation relates to OSAGO insurance. They depend on the salary and other income of the injured person, as well as on the costs of treating injuries sustained in an accident. Compensation payments related to the life and he alth of insured persons vary from 24 to 60,000 rubles.

Payout amount

After the application for payment has been submitted to Rosgosstrakh, along with other documents, it remains to wait for the decision of the insurance company. Of course, many want to quickly find out the amount that will be named. But when you go to the company's website, you will not find out anything except the status of the case and the number of your payment order.

Information about the decision that has been made is sent to the e-mail and a message to the phone. You will be informed about the status if you call the contact number of the Rosgosstrakh company. To find out the payment in monetary terms, none of these methods will work.

Howfind out the amount of the payment, and in what time frame will the money be credited to the account?

Are there any ways to find out this information by case number? No. The amount will become known only when the case is considered and the money is transferred to the bank. After the decision is made, the transfer is made within three working days. However, the terms of payment of "Rosgosstrakh" do not apply to this. The case, according to the regulations, is considered 30 days. In addition, the timing may be individual.

At this time, you can calculate the approximate payout amount yourself. On the official website of the company there is an online calculator with which you can also focus on a certain size. But in it, rather, you can find out about the amount in the event of an accident. But for OSAGO and CASCO, you will have to wait what payments Rosgosstrakh decides to make.

Reviews: Agree with decision or sue

Many have learned from their sad experience that in most cases, payments for OSAGO in case of an accident are underestimated. Sometimes underpayment can reach 80%. What to do in such cases, car owners, it's up to them.

Some want to quickly sort things out and take the amount they are given. Others seek legal advice and sue the company.

As practice shows, even the leadership of the UK confirms this, auto lawyers "rob" insurers if they get down to business. And this means that if the participant in the accident still decides to sue, then there are good chances to achieve a positive result.

Judging byAccording to the reviews left by drivers who have already passed these tests, more and more people decide not to agree with the underpayment, but to fight for such an amount that will fully reimburse the repair work on the car. However, even if Rosgosstrakh objectively should not increase the amount of the payment, it can be demanded from the culprit of the accident.

Conclusion

This is how things stand today at Rosgosstrakh, these are its payments to policyholders. Of course, any company faces dissatisfied customers. And if initially there is a very nervous and unpleasant reason, then positive emotions are not always born.

But, on the other hand, paying insurance regularly, the car owner has the right to count on the payment promised by law. Therefore, if an accident occurs, it is worth seeking a fair decision in your case. After all, the Rosgosstrakh insurance payment should cover the repair of a car that got into an accident through no fault of the owner.