It is easy to check the reputation of an insurance company: you need to find out its work experience and get acquainted with reviews about its activities, because even the most advertised company may not be the most reliable.
Basic Criteria for Integrity
First of all, you need to pay attention to a permanent customer base, supported by an optimal insurance portfolio and a tariff and investment policy. Any insurance company must be licensed to engage in insurance activities. It is easy to check whether a given company is included in the list of Russian insurers: just go to the website of the Federal Service for Insurance Supervision.
How else to check the reputation of the insurance company? Find out her age and experience in this market segment. Before concluding a contract, it is very important to ask relatives, acquaintances and colleagues if they had any experience of concluding an insurance contract with this company. If no one from your inner circle has come across the chosen company, you should read the reviews on the Internet, but here you need to take into account that there will always be more negative reviews than positive ones, because people are always in a hurry to talk about illegal actions in relation to them, and not about high-quality the work of the company.
It will be more difficult to check the insurance policy than the company itself; in this case, own sites on the Internet should convince the insurer of the reliability of the insurer. If you still have questions here, you should seek advice from an experienced lawyer.
How to check the trustworthiness of auto insurance companies
Here, the experience of the company and reviews on the Internet also matter, but you should also pay attention to the following factors:
• whether there are insurance commissioners in the state and how quickly they are able to arrive at the accident scene. This service is paid, but if there are problems with the law, it will more than pay for itself.
• Are there professional lawyers on the staff of the company to assist in the collection and submission of documents to the traffic police;
• whether the company compensates for minor damages without a certificate from the traffic police. A company that values its reputation will pay for them without any questions, while others will require a certificate for every scratch.
• A reliable insurer will indemnify for the damage in 7-12 days. If this period stretches over months, it is worth questioning the reputation and reliability of such a company.
• Is it possible to settle losses remotely, that is, send the car to a service center, even if there is no certificate from the insurance company yet.
• What is the car depreciation policy. Because it so happens that some companies bring this parameter to 20-30%, ultimately devaluing the car and reducing the amount of payments.
