Most widespread “miss” which is made by the automobile owners getting the policy autokasko is insufficient partiality to studying of conditions of payments under the insurance. An unpleasant result of such inattentive relation from outside the automobile owner to the signed contract is company refusal to carry out insurance payments.
Infringement of rules of storage of a car (in the contract risk “stealing” is insured only under condition of that the car is at night on a supervised parking) becomes the most widespread occasions to refusal. Besides at many autoinsurance companies the obligatory requirement for reception of insurance payment in case of car stealing is granting by the client of registration documents on the car and keys from it. But as the practice shows, many automobile owners store at times both that, and another in the car, and together with stealing possibility to demand from the insurance company monetary indemnification accordingly lose.
What to do in case of stealing?
What algorithm of actions of the automobile owner which has found out loss of the car? First of all, and more to a police squad call it is necessary to call in the insurance company from which the contract of Avtokasko is concluded, and to declare car stealing. After a filing of application about stealing in police station, it is necessary to write the application for insured event also. Thus it is necessary to collect a package of documents where without fail enter the passport of the owner of a car, , the certificate on car check in, the coupon passed, the document certifying reception the statement for stealing in law enforcement bodies, and also the inquiry on excitation of criminal case upon stealing.
Besides, in the insurance company it is necessary to give a insurance policy, and also documentary certificates on payment of the insurance award, and also complete sets of keys from the car.
Certainly, directly policy is not a guarantee of that the car does not become “victim” of car thieves. It can be promoted in a greater degree by a series of measures directed by the automobile owner on maintenance of safety of the HARDWARE, among them and installation on a car of the satellite alarm system.
By the way, car equipment by such equipment is the requirement of some insurers at the contract conclusion. The given type of insurance provides to the owner of the car monetary indemnification in case of HARDWARE stealing. However not always the most good on an intention paper are carried out in a real life.
Particularly in case of payments under the insurance, such “hindrances” the desire of the autoinsurer to lower the size of insurance payment can become maximum. In this case the automobile owner can appear in most unpleasant situations. For this reason “the captious” choice of the autoinsurer, attentive studying of conditions of granting of the policy, and also comprehension of the rights is for the automobile owner key conditions for the contract conclusion.
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