Making contract insurance, many drivers see it as a necessity, not as insurance, not really expecting to receive some money when the insured event.This is mainly due to the bad faith of individual insurance companies refusing to clients in payments or in all possible ways which reduce them to the minimum amount.
Unfortunately, there are cases when traded under the policy avtograzhdanki clients receive compensation in times less than the cost of repair.In many ways, this contributes to the calculation of depreciation insurance applied by insurance companies legitimately.Under the existing legislation, insurers have the right to carry out the calculation of depreciation insurance so that it does not exceed 0.8 times the cost of new parts.Thus, it appears that the insurer has the right to pay only 20% of their real value, and what they are trying to take into account the wear of the maximum.
However, if the law of insurance read carefully (in the part where it describes the calculation of wear CTP), it turns out that insurers do not always have the right to apply the maximum rates.In particular, the ratio will depend on how old the insured car, country in which it is made and does not change whether the damaged part before (in the latter case, the calculation of depreciation of insurance-specific items made in view of her age, not the age of the car).
Moreover, the law provides that some parts are paid without taking into account depreciation.If the calculation of compensation insurers have not considered this rule, it turns out that they broke the law, and the client the right to demand higher payments in court.
Most negligent insurance companies enjoy the fact that their customers are not familiar with the law on insurance and are unable to study it carefully.If the client, having familiarized with the calculation of damages, show their knowledge and ask, on what basis has been used as a high coefficient of wear, it is likely that the insurance company will not recount litigation and unnecessary words.So, when you contact the insurance company customers better behave as a specialist in the field of insurance, even if this fact is not true.
choosing an insurance company, even for registration of mandatory insurance should be based not on the minimum tariff (now the site of almost any insurer have a special calculator that allows customers to calculate their own car insurance) and the rating of the company, customer reviews and personal experience.If you choose a good insurer with a solid reputation, which values its clients, and the calculation of depreciation of insurance will be properly and legally.In this case, the customer can be at ease that he was not deceived when calculating the damage, but still do not lose vigilance - it is better to check that write in prison before signing.Vigilance client never hurts, especially when it comes to financial matters such as insurance compensation.
