2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Insurance is an integral part of modern life. Every person wants to ensure a happy and secure existence, while having financial security for any aspect of his life. That is why now more and more people prefer not to remain in obscurity, but to contact insurance companies. How it works? You come to the company of your choice, choose an insurance policy, that is, what aspect of your life and for what amount you want to insure. And henceforth, every month you pay a certain amount, which goes to your insurance fund. And if something happens to you in the aspect that you have insured, the insurance company will cover all costs related to the elimination of the consequences of this incident. What can you insure? Basically, absolutely everything. You can insure your own life and he alth, you can insure your home, your savings, and so on. Another very popular type of insurance in the modern world is auto insurance. As in other areas, there are various policies in car insurance, each of which is selected individually for each client. But where do you go to insure your car? And what kindsinsurance exist? This is what this article will be about.
There are enough organizations on the territory of the Russian Federation that can insure you, but one of the best options is Ingosstrakh. OSAGO, reviews of which you can read in the second half of the article, is one of the key policies for any motorist. It is about him that you will learn in detail from this review. Naturally, we will also talk about car insurance in general, about what you need for insurance and what it will give you, and about Ingosstrakh itself: OSAGO, reviews about the service, great deals, and so on.
Ingosstrakh Company
So, first of all, it's worth telling a little about the company itself, which will provide you with a service. If we are talking about car insurance, then you should definitely order OSAGO from Ingosstrakh. Reviews about the work of the enterprise on the Internet are found in most cases positive, but it makes no sense to talk about this now - more user reviews will be considered later. Now it is worth paying attention to the company itself, as well as to the question of why you should choose Ingosstrakh? First of all, it is worth noting that the company is one of the most famous and proven in the entire Russian Federation. The company's offices can be found in many cities of the country, and they will always be happy to help you there. What does Ingosstrakh do? Naturally, insurance, but a distinctive feature is multi-channel - hereyou can insure not only your car, but also property, housing, your trip to another country, your children and much more. Considering the fact that this article will mainly consider car insurance, you need to focus on one service of the Ingosstrakh company - OSAGO. You will find reviews about it in the second half of the article - based on them it is always easier to draw conclusions about a particular service. In the meantime, it’s worth talking in more detail about what constitutes car insurance in general and OSAGO in particular.
Auto insurance
Car insurance, as you can easily understand by its name, is directly related to cars, both cars and trucks. Naturally, the main purpose of car insurance is to provide insurance payments in the event of any accident involving a car. But in fact, everything is not so simple - there are different types of car insurance that involve both your own he alth and your own car, as well as the he alth and vehicles of third parties. To understand this better, you should read this article - then you will understand why you need an OSAGO policy (as well as what other car insurance policies you will need).
What is OSAGO?
In the case of Ingosstrakh, OSAGO reviews most often include specifics, but not every person can even imagine what this type isinsurance. That is why now it is necessary to answer the question of why a person who owns a car needs OSAGO insurance at all. So, first of all, you should pay attention to the fact that this type of insurance does not concern your car, your he alth or your property. OSAGO stands for Compulsory Third Party Liability Insurance. This means that every car owner is obliged to issue this policy. In most cases, insurance is voluntary, that is, each person decides for himself what exactly to insure in his life and for what specific amount. But in the case of OSAGO, everything is different, since this policy is mandatory. Well, and secondly, this is insurance that directly refers to your civil liability, that is, it obliges you to take into account everything that happens around you when driving a car. So far it's not clear? In this case, it is worthwhile to more carefully and intelligibly analyze why you need an OSAGO policy. Ingosstrakh, reviews of which you can read a little later, can clearly explain all the details to you, but the article will provide basic information.
Why do you need an OSAGO policy?
When you clarify the details of the Ingosstrakh company, you will meet feedback on OSAGO very often, since this particular policy is one of the most relevant. But what is he? Why is it specifically needed? So, in simple words, you will need this policy in order not to reimburse fromown pocket damage that will be caused to third parties in an incident in which your fault will be proven. Naturally, this incident must be a traffic accident and involve your vehicle. What types of damage are covered by this policy? Firstly, this is the damage that you caused to the property of third parties. Secondly, it is the harm that you caused to the he alth of third parties. Accordingly, all this is relevant if you were a driver and became the culprit of a traffic accident. Naturally, the damage can be quite large, so many people are beginning to wonder what the payouts of this insurance policy are. This is what will be discussed further.
Payments under the OSAGO policy
If you are dealing with Ingosstrakh, the feedback on payments in most cases will be positive - people quickly and comfortably deal with their problems, with little to no effort. But there is one point that every car owner should clarify before taking out an OSAGO insurance policy - these are the amounts of payments on it. Until 2014, there were rather low rates of payments, which made the policy extremely unprofitable. For example, 140 thousand rubles were given to compensate for harm caused to one victim, and only 160 thousand rubles were given to compensate for harm caused to several victims. Fortunately, in 2014, the terms of OSAGO were revised, and insurance companies were required to increase the amount of payments. And now for eachthe injured third party is paid up to 400 thousand Russian rubles. As for causing harm to the he alth of third parties, the system is more complex here. Until 2015, 160 thousand rubles were provided for compensation of damage directly to the injured participant in a road traffic accident, 135 thousand rubles for compensation to persons en titled to receive it in the event of the death of the victim, and 25 thousand rubles for organizing the funeral of the victim. In 2015, the payments were revised, and since that moment 500 thousand Russian rubles have been allocated to compensate for harm received directly by the victims, 475 thousand rubles have been allocated for payments to beneficiaries, which are spelled out in the relevant article of the law (persons who were previously simply reduced to group en titled to receive compensation in the event of the death of the victim), as well as all the same 25 thousand rubles for the organization of the funeral. Well, now you know everything you need to know about the payments that the insurance company is obliged to make, and you also understand the importance of OSAGO. But then the question arises, what about your own car. Will the OSAGO policy compensate for the damage received in a traffic accident?
Insurance of your own car
When you want to insure the automotive aspect of your own life, Ingosstrakh insurance company will help you. Reviews on OSAGO are exceptionally good, so you can safely trust the experts. But OSAGO is not the onlya car policy you should consider. The point is that it doesn't cover the harm your car will receive. Under an OSAGO policy, insurance payments can only be received by a third party involved in a traffic accident. If you are not a third party, that is, your vehicle was found to be the culprit or one of the culprits in causing a traffic accident, then the OSAGO policy will not cover the cost of repairing your car. What to do? You should study the issues of car insurance more carefully, since in order to pay off the costs of repairing your car that was damaged in a traffic accident through your own fault, you need to draw up a completely different policy called CASCO. However, this policy is not the main topic of this article, so the fact of its existence and its purpose is all you need to know about it for now.
Electronic policy
Given the impressive speed with which the development of modern technology is taking place, obtaining an insurance policy has recently become much easier. We are talking about e-OSAGO, that is, an electronic insurance policy. At the same time, when amendments were made to payments in case of harm to the he alth or life of third parties, an electronic system for issuing insurance policies was introduced. Most insurance companies now have special systems on their official pages on the Internet that allow you to insure a car without leavingfrom home. Naturally, being one of the leading insurance companies in the Russian Federation, the Ingosstrakh insurance company also introduced this system. Reviews for OSAGO issued online are also extremely positive. However, you should pay attention that issuing an electronic policy will not be possible if you have not previously insured your car. The fact is that the system receives basic information in the PCA, and if you have not previously passed the car insurance procedure at the company's office, then your data will not be in the database. This is a minor flaw that will hopefully be fixed in the future. If you have previously been insured, then you will only need to fill out the required forms, and you will receive documents by e-mail that will be equivalent to the “paper” insurance policy that you received earlier.
Positive feedback
Well, it's time to take a look at what motorists across the Russian Federation are saying about Ingosstrakh - OSAGO reviews. Moscow is one of the main regions where an impressive part of insurance contracts is executed. And that's where most of the reviews come from, and that's where they're almost all positive. What exactly do car enthusiasts who take out a policy from this insurer praise? What are the reviews about the company "Ingosstrakh"? OSAGO is the policy that worries every car owner, which is why they write about it the most. And a huge number of people in their reviews written over the past two years note the convenience of issuing a policy inthe Internet. The procedure is quick and convenient, the system operates smoothly and very clearly. There are no delays, the policy begins to operate a day after the payment is made. People also note other advantages of this company, such as the speed of payment under the insurance policy, the amount of payments, as well as the quality of service by employees. As you can see, the reviews affect all aspects of the company's activities, including the electronic OSAGO Ingosstrakh. Reviews, of course, are not exclusively positive - you can find negative opinions. Often they are left by residents of the regions, but we can safely say that the company that takes into account absolutely all the reviews is Ingosstrakh. OSAGO, Kazan is the scene of action or Moscow, is always a priority, so employees try to help both residents of the capital and representatives of smaller cities and towns.
Negative reviews
As for negative opinions about the company and its activities, they are found on the Internet on a variety of resources. For example, one of the cities where Ingosstrakh has its representative office is Nizhny Novgorod. Reviews (OSAGO and other types of insurance) may differ, and someone from Novgorod writes a positive review, while someone else writes a negative one. It is worth understanding on what grounds complaints are written in most cases? With a more detailed analysis, it becomes clear that most of the reviews with a negative tone are written due to the fact that the user himself did not fully understand thedocumentation and rules. For example, one of the branches of Ingosstrakh (Yekaterinburg) received negative feedback on OSAGO for the reason that car owners did not bring conclusions on road accidents to the company's office on time. But at the same time they wanted the car repair to be paid for by CASCO. Like CASCO, one of the main specializations of Ingosstrakh is OSAGO. Customer reviews can also be constructive - for example, one of the car owners wanted to write another driver into the insurance contract as a matter of urgency, but the company can perform such an action only within one month. It would seem that one small entry, the same small check - and that's it, but the company cannot provide such a service, so such a statement is a full-fledged basis for a negative review. Feedback on OSAGO payments is also negative in Ingosstrakh - people complain that their applications are processed for too long, which makes it difficult to use the vehicle, but this often depends on the company's location. But it is worth noting that all reviews are reviewed by company representatives, and each user receives a detailed response that clarifies all the details of the problem.
Conclusions
What conclusions can be drawn from all this information? It doesn’t matter which branch you go to - whether it’s in Moscow or it’s Ingosstrakh-Voronezh, the reviews (OSAGO concerns this in the first place) will tell you that the service is provided at the same high level. Naturally, there are also those who are dissatisfied, but if you look at the reviews on OSAGO from othersinsurance companies, you will understand that the negative has always been and will always be.
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