When we are asked to insure themselves, their lives and their property from all troubles and misfortunes, we somehow do not think, answering: "What could happen to me, then?".However, as practice shows, much can happen: accident, earthquake, industrial accident, the list is endless.Today, the massive insurance contracts are concluded only for cars, and it is because such insurance is compulsory.
concluding a contract with an insurance company, an individual, in the case of the insurance situation is entitled to monetary compensation.Otherwise it is called - the sum insured.However, no matter how obvious it was not the case of insurance, most companies are trying all sorts of ways to avoid the compensation to the victim.For example, referring to the fact that the necessary documents are missing, or they are incorrectly drawn and filled.Therefore, to prove their right to insurance, you should always carry a list of the required documents, and in which case the capture minute details of the incident.If it is an accident, it should be required to draw up a protocol strictly by the rules and make sure that the state inspector filled all the documents to the letter.If an accident happens, it is best to confirm this fact is not only documented but photo and video shooting, the benefit that now integrated camera even in the "old" cell phones, and so this device is at each.It is also important to comply with all terms of application, payment receipts, etc.The required documents should be photocopied several copies, one of which is a receipt to give the insurance company.And, most importantly, do not rush into repairs until the insurance paid the entire amount.
If the reason for the company to recover from the accident compensation is due to damage to health or death, it must be a medical certificate and examination.Without these documents the insurance amount will be unlikely to be paid.If the compensation for the company refused, it is necessary to issue the waiver request in writing.In the future, it can make your life easier.It may happen that the case goes to court, and there, each paper has its own weight.
is important to know that there is an insurance sum of two main types: aggregate and nonaggregate.In general, there are many varieties of the sum insured.So, for example, it can vary on the insurance object or event can be reduced or enlarged floating or standard, etc.What's the difference?To navigate in these terms, it is enough to remember that aggregate insured amount - decreases.A nonaggregate - Irreducible.
When a contract is important to pay attention to how much money it contains.If the contract is concluded on condition that the insurance payment is called nonaggregate, it means that even if within a year you will happen a few insurance claims, the company will be obliged to make payment on several occasions, with the amount of decrease will not.In the case of the aggregate sum insured, its size will be reduced during the year in each subsequent insurance for the amount of the previous case.In this regard, you need to rely on the possible number of insurance claims, as the conclusion of the contract, which spelled out nonaggregate sum insured will cost an average of 5-10% more expensive, but this agreement ensures that at one point for the consequences of an accident are notwill have to pay money out of pocket.In any case, the customer of the insurance company there is always a choice, a contract to sign, and to impose its conditions of an insurance agent is not entitled to.
