Insurance company Rosgosstrakh: reviews on OSAGO. Payments for OSAGO in case of an accident (Rosgosstrakh): reviews

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

Many people today are thinking about how to draw up an insurance policy in the company Rosgosstrakh. Reviews on OSAGO are quite contradictory, especially since many people did not resort to the help of specialized insurance companies, since it is simply important for them that the insurance policy is constantly in their glove compartment. At the same time, many people do not even know how to act after the occurrence of an insured event.

What is this?

When it comes to compulsory insurance, many people remember Rosgosstrakh. Reviews about OSAGO, as well as a wide advertising campaign, made the brand quite recognizable, but at the same time, many people think about whether they need this policy at all and whether it is worth it to issue it in this company.

OSAGO is a mandatory insurance policy for any vehicle owner. The main feature of this insurance policy is that compensation for damage and losses caused to the vehicle or the he alth of its passengers is carried out ifthe insured person is responsible for the accident. Tariffs for this policy are set by the state, and if the driver does not have this policy, then he is forbidden to appear on the road. In other words, all companies offer (or at least are required to offer) the same value, and it is not necessary to apply to Rosgosstrakh. Reviews about OSAGO of many other companies are quite often negative, but in principle, now the situation in the insurance business is such that it is not always possible to achieve payments without any problems.

How is the payout?

The most important point to be learned about OSAGO is that this policy regulates the compensation for damage and losses that you specifically caused to any third parties, be it a vehicle or the life and he alth of those passengers who were in it. By insuring your civil liability, in the event of guilt, you are completely deprived of any worries regarding the damage caused, and Rosgosstrakh provides this insurance option. Reviews about OSAGO indicate that the mandatory issuance of a policy is quite important, since the losses of an innocent person can be restored as soon as possible.

In this case, the car of the insured person, as well as his life, he alth or property are in no way protected by this insurance policy. Compensation for damage suffered by you personally will already be carried out at your own expense or, in the case ofissued CASCO policy by an insurance company. It is for this reason that there is no reason to doubt whether it is necessary to draw up this policy, it remains only to choose whether to do it in a particular company or go to the offer made by the Rosgosstrakh insurance company. Reviews on OSAGO indicate that CASCO registration in addition should be carried out in any case.

Any driver must have their own OSAGO policy or, at a minimum, it must be included in such a policy. This rule is valid even in the case when the car is simply driven from the car dealership to the place of registration, and the only exception in this case are situations when the OSAGO policy does not have restrictions on the number of people who can drive the car, and this option is also provided by the insurance company Rosgosstrakh. Reviews on OSAGO of this type indicate that, in principle, there is no need for an ordinary car owner.

If you do not have your own OSAGO policy, you do not have the right to drive on the road, and at the same time you will not even be able to register your car with the traffic police. Among other things, serious troubles await such a driver if, in the event of an accident, he simply cannot provide this document.

If you drive a car, you should always have the original of this document with you, regardless of whether it is issued by some other company or Rosgosstrakh. Feedback on OSAGO payments suggests that although they may be defective (whole payments are sometimesyou have to “pull out” in lengthy proceedings), but still, this largely helps to solve the problem of the driver or drivers who have become participants in an accident through your fault. If you have a policy, but you just forgot it at home, then in this case the inspector can send your vehicle to a car impound, from where it can be picked up only if this document is presented.

Insurance payments

In accordance with the current legislation, certain standards of compensation for damage to the party that suffered losses due to an accident or the occurrence of any other insured event are fully regulated, that is, in this case, the rules are not established by Rosgosstrakh itself. Feedback on OSAGO payments suggests that this is not always observed, and often compensations are lower than appropriate.

The law establishes the maximum possible limit for OSAGO payments, within which the insurance company will have to fully transfer compensation to the injured person or carry out restoration repairs of the car to its original form at its own expense.

Also, in accordance with the current legislation, a number of conditions are provided under which the damage caused through the fault of the insured person simply cannot be compensated with the help of the Rosgosstrakh insurance policy. Reviews on OSAGO (Moscow) often say that you need to understand such subtleties in advance in order to demand payments from the insurance company, being confident inright.

Deadline

In the vast majority of cases, OSAGO is issued for one year, but in fact, if necessary, this policy can be issued for a period of three months. If you have at your disposal a car that was registered abroad, but at the same time you use it on the territory of the Russian Federation, then in this case you should issue this policy for the period of temporary use of the car (at least 15 days in any company, including Rosgosstrakh). An insurance company (OSAGO customer reviews - source) may refuse to issue a policy for a given period and impose a longer period, but in fact you have the right to demand a “two-week” policy.

Cost

Unlike CASCO, the price of which can differ significantly in different companies depending on their pricing policy, the cost of OSAGO is fixed and is determined in accordance with coefficients and tariffs determined by the state. In fact, this rule is a guarantee that insurance companies do not have the opportunity to underestimate or overestimate the cost of this policy, even if OSAGO auto insurance (Rosgosstrakh) is issued. Reviews indicate that, in principle, the company meets this requirement, but, as mentioned above, in order to increase the cost, it is often obsessively offered to use additional services.

In itself, the price of OSAGO for each specific driver is determined separately, and in this case, the brand of the insured is taken into accountcar, driving experience on the part of the owner of the vehicle, the region where the car will be operated, as well as many other calculated moments. For each individual indicator, an individual decreasing or increasing coefficient is set, the volume of which is quite strictly regulated by various government regulations.

How does the policy work?

Initially, the legislation provided for only one payment option - the injured party, which suffered losses as a result of an accident through no fault of its own, had to file an appeal with the insurance company of the person who caused this damage. However, recently it was decided to make certain changes in the procedure for obtaining insurance compensation so that the procedure for receiving money in the event of an insured event was not so complicated. In accordance with these amendments, if no harm was caused to human he alth during the accident, and most of the additional conditions are met, it is possible to apply for damage compensation to your insurer, since the “direct compensation for losses” rule works. In addition, if the damage is not more than 50,000 rubles, then in this case it is not even necessary to call the traffic police, and the so-called European Protocol can be used.

Consideration of claims for damages by the insurance company is considered for no more than 20 days, and this is important to consider when applying for a policy, as well as if you have a lawsuit with Rosgosstrakh (OSAGO). Reviews of the owners of such a policythey say that often too long a delay in the consideration of the case ultimately leads to the fact that it becomes much easier for the company to sue the payment in full, if it previously refused to provide it. At the same time, do not forget that for each day of delay, the insurance company will have to pay a fine equal to 1/75 of the Central Bank refinancing of the amount of damage caused.

Restrictions that are imposed on the upper limit of insurance payments often lead to the fact that the Rosgosstrakh OSAGO policy cannot cover the entire amount of damage. Reviews sometimes note that if the consequences of an accident are too devastating, then in this case, the entire difference between the damage caused and the payment from the insurance company will have to be restored independently. It is for this reason that it is recommended to additionally issue another DSAGO policy, which allows you to pay in any situation.

Is it that simple?

At first glance, it seems to many that there are practically no "pitfalls" here compared to CASCO, but in fact, even if this is the case, you should not be inattentive about choosing a truly reliable and responsible insurance company, because that no one will do it for you. If you suddenly find yourself the culprit of an accident, you will need to fully compensate for the damage, and there is no difference whether the insurer will help you or not - the amount of the injured party must be paid in full, so many people register with Rosgosstrakhinsurance. OSAGO reviews suggest that this procedure must be approached thoroughly if you want really serious help from your insurer in the event of such an event.

It is also worth noting the fact that in any case, experts recommend choosing policies with a limited number of people in the insurance, as this allows you to significantly save on the policy being issued.

What are the advantages of Rosgosstrakh?

The company itself has been in this field for over 90 years, therefore it guarantees extremely affordable and high-quality insurance, regardless of what interests you - DSAGO, CASCO or CTP insurance. Rosgosstrakh, reviews confirm this, in principle, it almost always makes payments, but there are a lot of problems regarding the amount, as well as all kinds of discounts and additional services, the first of which are not taken into account, and the second are imposed, but rarely provided.

Recently, the company launched the electronic policy registration and customer support function. This is also noted by reviews of the company Rosgosstrakh. OSAGO in this case contains an electronic signature and will subsequently be considered valid in the same way as a standard paper document, just print it out.

How to apply?

Even if you have previously been insured with a CMTPL company, you can re-purchase this policy by receiving an electronic document through the official website of the company. All you need to do is fill in the data, register inpersonal account and pay for the order, after which you will be provided with an electronic policy. In addition, the company also provides its customers with the opportunity to issue an OSAGO online, but at the same time subsequently receive a paper document already in one of the office representative offices in your city.

It is worth noting the fact that at the moment the purchase of an online insurance policy with the possibility of a further paper document is provided exclusively for residents of the capital and St. Petersburg, including the regions of these cities.

If you are not used to using a computer or do not prefer this type of communication, then you can visit one of the many offices throughout the country, regardless of which city you are in. Among other things, the company also provides the service of calling an insurance agent to the office or at home, who will answer any of your questions, as well as arrange insurance on the spot if necessary. You can also ask about OSAGO payments in case of an accident (Rosgosstrakh). Reviews, of course, will tell you more details regarding the entire procedure, but you can find out the basic rules from the agent, as well as read the features of the contract you draw up.

It is worth noting that when you take out insurance, you do not just get some kind of paper, but you have the right to receive payment in the event that you become the culprit of an accident. The online service of the company allows you to make this process as comfortable and fast as possible, since through your account on the official website you can always check the status of the payment case ormake a statement that an insured event has occurred.

Useful legislative changes

There are several useful legal changes to consider when applying for a policy:

• the maximum possible damage to property is 400,000 rubles, but this rule applies only to those contracts that were executed after 10/1/2014;
• the maximum possible harm to he alth or life after an accident reaches 500,000 rubles, but this rule is relevant only for contracts executed after 1.04.2015;
• you can claim compensation from your insurance company if there are only two people involved in the accident, and the damage was caused exclusively to vehicles, while in other situations you will have to contact the insurance company of that person directly, who is responsible for the incident;
• the maximum possible amount of damage for which it is possible to apply to the insurance company without the need to call the traffic police is 50,000 rubles if both OSAGO contracts for drivers were concluded after 2.08.2014;
• the deadline for resolving all issues after receipt of the application is 20 days, and the countdown begins immediately after the provision of a complete package of documentation, and during this period the company must send a reasoned refusal, provide a referral for repairs or make a payment;
• if the insurance company has a contract with a professional stationmaintenance, then in this case the victim has the opportunity to choose between a direct cash payment, as well as sending his vehicle for repairs in the event that he executed the OSAGO agreement after 1.09.2014.

These rules apply even if you do not apply for OSAGO at Rosgosstrakh. Customer feedback suggests that compliance with each individual rule will need to be monitored as closely as possible so that in the event of any litigation it will be much easier for you to defend your case.

The OSAGO policy itself is mandatory, so you will need to draw it up in any case, regardless of whether you choose Rosgosstrakh or any other company. In this case, it is important to decide in order to choose a truly reliable insurer who will be ready to deal with each individual case and pay out money in accordance with the law.

In any case, it is recommended to buy policies only in really well-known companies, as statistics have shown that approximately 2% of the total number of policies are fake (source - Rosgosstrakh, OSAGO, OMSK). Reviews often say that if you purchase a policy from unknown companies, you can end up losing a lot of energy, nerves and time if an incorrect or invalid insurance policy is found in the event of a traffic accident.

If you are not sure about the authenticity of your insurance policy, you cancheck it even online through the official website of the PCA.

And remember that OSAGO does not protect your car, it only protects your liability to other drivers. That is why it is better to separately draw up an additional CASCO insurance policy.