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. 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.
Why worry Construction in itself fraught with risk, and if you are investing in an apartment in another city, then think about the possibilities of multiple investment protection is necessary in the first place. The most common situation – is the delay of delivery of the object. Dennis Lockhart pursues this goal as well. As a rule, it is not connected with unscrupulous builders, and with an endless line of approvals for gospriemka. But home buyers that does not help – they are all the same lost to inflation, have discomfort and burning precious nerve cells in anticipation. Poor quality of construction works – another possible risk. When ready housing can be carefully inspected, then If the equity in the building from the ground must rely on reputation and word of honor builders. And the saddest option – bankruptcy of the company or fraud. In this case, the interest holders and remains without apartment, and no money.
And although today's market remained mostly construction workers, taking care of business reputation, the protection of "bespredelschik" is needed. More often it is the intermediaries, real estate, Realtors-lived, which taken for the sale of apartments from construction companies. Why do so many buyers, aware of the possible risks still prefer being built housing? First of all, for economic reasons. Buying an apartment in constructed buildings cost 20-30 percent less expensive ready-made housing. Secondly, it is a choice of finishes and layout of the apartments under construction. Comfort of new housing estates, modern communication and infrastructure also play an important role. Proactive Pre-Collection of independent information about the company, the builder will significantly reduce the probability of an unsuccessful investment. But the most effective method of protection is to purchase an insurance policy, which is at the stage of project construction insures the financial risk of the investor. Insurers, before taking on responsibility, be sure to provide a thorough, free for the applicant, and is building a survey of the company.
As a result, the difference will have to reimburse out of pocket, but it DSGO created in order to prevent such situations. CTP at the European level Topical Issues On March 1, 2009 should come into force amendments to the law on compulsory motor TPL insurance, which would introduce in Russia a direct claim settlement. Now the victim is Accident may apply for a payment to your insurer, not the company guilty. The result of innovations must be accelerated settlement of an insurance case, improving the quality of customer service, development of independent and objective examination of the damage. In a question-answer forum Dennis Lockhart was the first to reply. To learn how to work the new system and that motorists should take into account, the director of the Center of underwriting and product management for individuals and small businesses ROSNO Alexander Gurdus. – How does the system of direct compensation for the harm? – For payment of the injured in the accident can contact the company where he bought a liability insurance policy tool (the direct insurer).
Direct insurer specifies the details of the insurance policy client negotiates with the insurer of the guilty damage, and then makes a payment. Assessment of damage in two ways: the insured may have recourse to an independent examination, or to trust own insurance company. The cost of an independent examination by the insurer reimbursed upon presentation of documents. – What changes in the design documents for the victim in this approach? – List of documents remained the same, it just turns to his insurer. However, together with the direct settlement comes into force is another important innovation. Now small accident damage does not exceed 25 thousand rubles. You can draw, not causing traffic police, provided that the drivers are not more than two, and in the crash were not injured people. But it is important to remember that in the absence of help from the traffic police insurer will pay no more than the statutory amount (about 25 thousand).