If you want to be insured first of all it is necessary to choose the good insurance agent who can be found under recommendations of the friends, relatives or acquaintances. And an ideal variant will be if you find the agent through such acquaintance who already has insurance experience.
If similar communications are absent then start to search independently having visited some insurance companies. It is not necessary to make decisions at once after a meeting, attentively listen to the agent and all is quiet in loneliness think over.
After a meeting generate own opinion on the agent as having chosen the competent agent, you will have reliable insurance protection. The good agent never begins to press on you demanding the immediate answer, it will give you time for decision-making, simply having stated all information.
After make the independent realized decision on necessity of the insurance, be convinced of reliability of the chosen insurance company. For this purpose carefully familiarize and study all rules and nuances of the given insurance company. All moments which for you will be not clear in the contract it is necessary to specify and discuss with the agent at a meeting.
For this purpose to make a correct choice it is necessary to receive answers to such questions necessarily:
• How many years the company works;
• What kinds of the license possesses;
• Names of shareholders and clients (company level depends on their level);
• In what volume and where risks are reinsured.
Tariffs for insurance should be approximately identical with competitors. If tariffs too high are means that the company wants to make profit of you and if tariffs it is much less it also directs at certain reflections of “cleanliness” of the given company.
Also it is necessary to ask that for you will be considered as insurance event as here it is a lot of nuances. For example, insuring the apartment against water damages more often water from pipes means, therefore, if your apartment has flooded because of an unreliable roof, you don’t receive insurance compensation.
When there is an insurance event, it is necessary to call at once to the agent who will specify all your subsequent actions. Here it is necessary to be strictly consecutive and to observe all terms, differently risk not to receive payment. If you count on payment reception under the insurance all your actions should correspond to treaty provisions precisely. Thus, at insured event you should:
– To register the fact of its approach in traffic police, the Ministry of Emergency Measures, etc.;
– To inform on it to the insurer in certain term;
– To collect and transfer to the insurance organization a number of demanded documents;
– To give the chance to the representative of insurance firm to examine property to which harm has been done.
After that the insurance company should spend an independent estimation in which course the amount of damage will be established, and to pay you insurance compensation in the terms specified in the contract.
But not always the size of the given compensation suits the insured. Here all misadventures also begin!
The client can disagree with the sum of the estimated damage for various reasons. All can be carried them to one of two groups – or to the reasons which have occurred on “fault” of the insurer, or to the reasons which have occurred on “fault” of the client.
Let’s consider at first the first group.
The insurer cannot include some details if, for example, he doesn’t consider in the inspection certificate that they concern insured event, or the given details don’t appear in the inquiry on road accident, etc. Also the insurance company can specially lower the sum of insurance payment to reduce the losses. Often happens that the company detains payments, if at it a heavy financial position.
Now we will pass to the second group of the reasons – in which the insured is guilty.
If the client has started to restore damages before going to the insurance company, it has the right to refuse to it payment as to define the exact sum of losses it will be impossible. Also the insured can overestimate claim level to the insurance company if, the full indemnification, and, for example, payment is registered in the contract with the deterioration account or proportional payment, etc.
Attentively read the insurance contract, study the rights and how you will need to operate if there will be an insured event.
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