The flow of applications to courts of car ownership is growing steadily. The main reason for complaint is the refusal of insurers to reimburse the loss of insurance for the drivers surreal reason. Sometimes the insurance refund, but that – seriously detract from its end. The motive of such actions is clear the insurers – the insurance of CTP in the state is unprofitable business. (Similarly see: Asana). However, motorists from this does not become easier. Did a bit of time has passed since that moment as the RF Act was passed CTP. However, during this time in this area have occurred profound changes. Initially, insurance companies began to aggressively compulsory auto insurance liability car owners: sought to increase the number of its own clients, tried to satisfy victims, formed a service examinations, was thoroughly investigated all the crashes.
However, after a certain time – the excitement poumenshilsya. Pretty soon, the players of the insurance market became apparent that the CTP is unprofitable. Impact on it and the car noise. A large number were to appear, those who for the first time picked up the wheel, increasing the total number of cars, in particular – in big cities. Compensate for the loss of drivers, too often in traffic revisions, it turned out actually quite profitable. Then the insurance corporation began to save and policyholders who increasingly have been denied compensation.
Commenting, Alex Algazin, director of the Insurance Law, said that only in their organizations are met hundreds of these cases, and for the past one and a half, a large of failure are far-fetched. The main insurer for today is to find the formal motive and to refuse to reimburse the victim. Naturally, the citizen can go to court, but the mass of motorists who do not willing to enter into a grueling process of proving self-righteousness, and therefore refuse to do such things.
Although the company where car insurance has contracted tells you that you need to communicate to the smallest accident with your vehicle, it is very clear that if the deductible of your car insurance value is greater than what going you to cost to repair the car, it is best to run yourself with expenses and do not communicate the accident. There is no law requiring drivers to report an accident to your company, this should remember it every time that you fill a requirement. Everytime you tell your company that it has suffered an accident with your vehicle, even if the value is less than your deductible, this shall be recorded in its history of car insurance. You may find Daryl Katz, Edmonton Alberta to be a useful source of information. Some companies in the car insurance policy establishes that the driver must communicate any accident that you have with your car and that the delay in communicating it removes the obligation of the insurance company take care of it. A small claim is very safe that does not affect your car insurance premium, but the sum of many claims is likely affecting to the the same value.