What kind of feedback does VSK receive on OSAGO? Insurance company payments

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

Hundreds of companies carry out financial activities in the field of OSAGO insurance on the Russian market. One of them is VSK Insurance (reviews on OSAGO are available). This is a Russian insurance company that has taken its confident niche in the domestic insurance market. It offers services in the field of life insurance, objects, life and he alth, deposits, travel, OSAGO, CASCO, etc. The company consists of a parent organization, which is located territorially in Moscow, and many divisions and branches in the regions of the Russian Federation.

This article will consider reviews of the VSK insurance company for OSAGO.

About company

The company uses several trade names such as VSK Insurance House and All-Russian Insurance Company.

The company has been operating in the insurance market of the Russian Federation for more than 15 years. Confidently calls himself one of the leaders in this field of activity. As numerous reviews confirm, VSK for OSAGO ranks among the top ten companies in our country in terms of insurance fees andpayments.

VSK has a valid license to conclude insurance contracts for more than 110 types of transactions. Services are provided to legal entities and individuals.

During 2016, VSK acquired a controlling stake in small insurance companies, and a number of mergers took place.

The activities of VSK as an insurance company can currently be described as large-scale and successful.

Procedure for the provision of services by an insurance company

As the reviews confirm, VSK for OSAGO is one of the leading insurance companies in the country.

When providing services to individuals and legal entities, the company enters into civil law bilateral contracts on a reimbursable basis.

The contract has the following content:

• Details of the parties to the contract.

• Service description.

• Conditions of conclusion and termination.

• Liability of the parties.

• Validity.

• The procedure for receiving an insurance premium.

• Amount of insurance premium.

• Conditions for the occurrence of an insured event.

• Liability of the parties.

Key Documents

In VSK, OSAGO (customer reviews confirm this) is a key product.

The main documents involved in the transaction are the contract for the provision of insurance services, insurance policy and payment documents.

The current legislation of the Russian Federation in the field of insurance allows you to apply the contract and the policy or one of these contracts.

That is, an insurance contract that has an identification number anddate of conclusion, can be applied without issuing an insurance policy, if it is stipulated by the company's regulations.

In another case, a numbered policy is issued on the basis of an insurance contract.

The insurance policy can be individual or collective.

In cases with OSAGO and CASCO, an insurance policy is required, in accordance with the norms of the current legislation of the Russian Federation.

The activity of insurance companies is regulated by the norms of the Federal Law of November 27, 1992 "On insurance business in the Russian Federation".

Peculiarities of occurrence of an insured event

As the reviews confirm, VSK for OSAGO has been working successfully for a long time. The company has the following rules and regulations.

During the period of validity of the insurance contract and policy, the recipient of the service after the occurrence of an insured event has the right to receive a premium. The amount and procedure for receiving the bonus are stipulated by the terms of the contract.

After the occurrence of an insured event, the insured must, in the prescribed manner, submit a package of documents, after consideration of which the issue of paying a premium or refusal is accepted.

The insurance company has the right to refuse in part or in full in payment if the insured has violated the procedure for notification, collection of documents, deadlines or other conditions.

The legislation provides for a period for appealing such decisions and a certain legal procedure.

Decisions to partially or completely refuse to pay insurance premiums are appealed by filing a claim with the insurance company or filing a lawsuit.

The court has the right to cancelthe decision of the insurance company to partially pay or completely refuse, recognizing it as illegal. If the court decides to pay in full or increase the amount, this is stipulated in the judicial act, after which the insured has the right to demand the forced collection of funds.

Reviews on the work of the insurance company VSK

As evidenced by numerous reviews, the CMTPL VSK receives a large number of claims.

There are disadvantages in the activities of branches. Due to the location of the head office in Moscow, documents are accepted by branches with further redirection to the central unit. Making a final decision on the material takes a long time. In addition, all claims for an insured event are accepted at the branches, but are considered at the central office. It is not always possible for clients to receive an exhaustive question about the progress of the insurance business, as information is obtained through lengthy correspondence between the insurance agent of the branch and the administration of the head office.

The second problem is the queues in almost every branch to purchase an insurance policy and apply for the payment due. In the mode of active city life, Russian citizens are accustomed to saving their own time.

All departments of the insurance company communicate with each other through online correspondence. In this mode, the client does not have the opportunity to obtain comprehensive information. There is a need to apply for each direction separately.

Cons of service at the VSK central office

VSK Company(OSAGO reviews confirm this) is not distinguished by a special quality of service.

Due to the acceptance of documents from many branches and divisions, the main office is busy with work. As a result, local service suffers.

According to customer feedback, service workers do not provide specific information on the date the issue was resolved.

There has been a systematic violation of the terms of consideration of the material on the insured event, crediting of payments, consideration of applications and petitions. The OSAGO VSK insurance is paid for a very long time (there are reviews on this matter).

Appraisers must be booked in advance, strict vehicle inspection requirements.

Many appeals of citizens to the Claims Department end with empty and formal replies, without significant content.

Good points

There is a sufficient amount of positive feedback on the work of the VSK insurance company. According to available statistics, about 70 insured events are resolved with the result of satisfaction of both parties, the insurance company and the insured.

When calculating payments, the company practically does not underestimate the cost of repairs and parts under policies. This is confirmed by the company VSK reviews. OSAGO (Moscow is a big city, there are quite a lot of accidents) and CASCO are paid regularly. But this is not only in the capital, in other cities the situation is the same.

After the issue is settled in court, in almost 100% of cases, the company voluntarily repays the amount due.

The company has a fairly loyal staff of expert appraisers who inspect the transport and calculate.

Negative moments

CTP VSK policy (reviews confirm this) is one of the company's most popular products. Therefore, the number of negative reviews in this area is greater than for other contracts.

But there are also many violations in work due to rather high amounts of payments based on OSAGO policies.

Initially, in many regions of Russia during 2016, the issue of selling policies was very acute. People had to sign up in advance (2-3 weeks in advance) or stand in queues for days in order to buy an OSAGO policy.

Payouts

The regular increase in the cost of the policy and the lack of an increase in the payout ratio are not always proportionate.

The more popular a company becomes, the more often the cost of the services it provides increases.

There are a lot of negative reviews on the Internet about the work of the company when accepting documents for processing an insured event. Employees often make many mistakes and typos, which subsequently make it difficult to receive payment.

Almost never a payout occurs at the beginning of the period specified for the transfer of money. Funds are received on one of the last days.

About VSK company reviews on OSAGO confirm that it is almost impossible to purchase a policy online. They are either absent or there are difficulties with the operation of the system during registration.

Life and he alth insurance

The minimum number of negative reviews in the field of life and he alth insurance by VSK. This is due to comfortable insurance conditions, a high level of payments.

Unlike other insurance companies, when making such payments, VSK requires a minimum package of documents. In addition, there is no need to wait for the end of the treatment period, if this does not complicate the calculation of the payment. If there are relevant medical documents confirming the existence of an insured event, the insured person can apply to receive the money due.

Another distinctive plus of the company's insurance activities in the settlement of losses is the ability to submit documents at any branch or division of the company.

Despite the momentum gained, the quality of public service in the direction of selling OSAGO policies and calculating payments for insured events is not improving.

VSK insurance (OSAGO reviews confirm this) is not a very popular company today.

What measures should be taken to protect yourself when registering an insured event?

• When concluding a contract and purchasing an OSAGO insurance policy, carefully read the documents.
• Keep the policy and contract until the expiration date.
• When concluding a contract, take a printout with the rules for receiving an insurance payment.
• Timely notify the company representative about the occurrence of an insured event, retaining written evidence of such notification.
• Carefully study the stipulated deadlines and the required package of documents for applying.
• When submitting a package of documents for payment, receive a copy of the application with a mark of acceptance.
• Keep all correspondence on the insured event with the company's agent.
• In no case, until the moment of full payment, do an independent repair of the car or its alienation in favor of third parties.
• If necessary, make an independent assessment and provide a report to the insurance company.
• If in any doubt consult a qualified lawyer in the field.

What to do in case of violation of the order of payments?

It is important to understand that Russian legislation stands for the protection of the rights and freedoms of citizens. In case of violation of the payment procedure, you must apply to the court.

As practice shows, when considering civil claims on the fact of recovery from an insurance company in favor of legal entities and individuals, the court most often takes the side of the plaintiff, if there are no significant violations on his part.

Having applied to the court, under the OSAGO policy, the client of the insurance company collects not only the payment due, but also compensation, interest for the use of other people's money, pen alties, court costs, etc. The law allows you to go to court not only for the issue of the amount of payment, but for violation of the deadlines.

After amendments made in recent years, insurance legislation has become tougher, and insurance companies are punished for violating its norms in the form of severe pen alties in the form of pen alties.

According to the statistics on the work of insurance companies in Russia for 2016, the total amount of payments under OSAGO increased by forty percent. This created a rather difficult situation in the insurance market. Some companies were forced to stop their financial activities. Others have been transformed. For example, "Bin-insurance" went through the procedure of merging with VSK. After the merger procedure, the registration of insured events, the implementation of payments under OSAGO policies issued during 2016 at the offices of "Bin-insurance" were already made by VSK.

Conclusion

According to the results of the work of the VSK insurance company in terms of OSAGO policies for 2014-2016, according to the population, the organization was ranked 6th in the top ten most popular insurers.

However, according to Sberbank of Russia's assessment of OSAGO payments, VSK's rating is slightly higher. In this list, the company is in fourth place among the top ten.

These figures, despite the feedback from the population, still speak of the reliability of the VSK insurance company in terms of OSAGO payments.

It is important to understand that after the peak of activity in the insurance market in 2010-2012, starting from 2014, it has been operating in crisis mode. This cannot but affect the work of the central office in Moscow and the branches of the insurance company as a whole. This affects the payments under OSAGO VSK (there are reviews on this matter).