Ingosstrakh, OSAGO. Reviews of the company

Insurance is an integral part of modern life. Everyone wants to secure a happy and safe existence, while having financial guarantees regarding any aspect of his life. That is why now more and more people prefer not to remain in the unknown, but to contact insurance companies. How it works? You come to the company you choose, choose an insurance policy, that is, what aspect of your life and how much you want to insure. And henceforth every month you pay a certain amount, which is sent to your insurance fund. And if something happens to you in the aspect that you insured, the insurance company will cover all costs related to the elimination of the consequences of this incident. What can you insure? In principle, absolutely everything. You can insure your own life and health, you can insure your housing, your savings and so on. Another type of insurance that is very popular in the modern world is auto insurance. As in other areas, in automobile insurance there are various policies, each of which is selected for each client individually. But where to apply to insure your car? And what types of insurance exist? This is what will be discussed in this article.

There are enough organizations on the territory of the Russian Federation that can insure you, but one of the best options is Ingosstrakh. OSAGO, reviews about which you can read in the second half of the article, is one of the key policies for any motorist. It is about him you will learn in detail from this review. Naturally, we will also talk about car insurance in general, what you need for insurance and what it will give you, and about the company Ingosstrakh: OSAGO, feedback on the service, profitable offers and so on.

Company Ingosstrakh

So, first of all you should tell a little about the company itself, which will provide you with a service. If it comes to car insurance, then you definitely should order in Ingosstrakh OSAGO. Reviews about the work of the company on the Internet are found in most cases positive, but there is no point in telling about it now - more detailed user reviews will be considered later. Now it is worth paying attention to the company itself, as well as to the question of why you should choose Ingosstrakh? First and foremost, it is worth noting that the company is one of the most famous and proven in the whole of the Russian Federation. Offices of the company can be found in many cities of the country, and there you will always be happy to help. What does Ingosstrakh do? Naturally, insurance, but the distinguishing feature is multi-channel - here you can insure not only your car, but also property, housing, your journey to another country, your children and much more. Given the fact that this article will mainly consider motor insurance, you need to focus on one service of the company Ingosstrakh - OSAGO. Reviews about it you will find in the second half of the article - on their basis it is always easier to draw conclusions about a particular service. In the meantime, it is worthwhile to tell in more detail about what constitutes car insurance in general and OSAGO in particular.

Auto Insurance

Car insurance, as can easily be understood by its name, is directly related to cars, both with cars and trucks. Naturally, the main purpose of car insurance is to provide insurance payments in the event of an accident involving the car. But in fact, everything is not so simple - there are different types of car insurance that involve their own health and their own car, as well as health and vehicles of third parties. To better understand this, you should read this article - then you will understand why you need the policy of OSAGO (and what other automobile insurance policies you will need).

What is OSAGO?

In the case of Ingosstrakh, reviews of MTPL often include specifics, but not everyone can imagine what this type of insurance is. That is why now we need to answer the question about why a person owning a car needs insurance of OSAGO. So, first of all you should pay attention to the fact that this type of insurance does not apply to your car, your health or your property. OSAGO stands for mandatory motor third party liability insurance. Means, each owner of the car is obliged to issue this policy. In most cases, insurance is voluntary, that is, each person decides what it is in his life to insure and for what specific amount. But in the case of OSAGO everything is different, since this policy is mandatory. And secondly, it's insurance, which directly refers to your civil liability, that is, it obliges you to take into account everything that happens around you when driving a car. So far it's not too clear? In this case, it is worth more carefully and intelligibly to understand why a MTPL policy is needed. Ingosstrakh, which you can read about a bit later, can easily explain all the details to you, but the article will provide basic information.

Why do you need a MTPL policy?

When you specify details on the company Ingosstrakh, feedback on OSAGO you will meet very often, since this policy is one of the most urgent. But what is he like? Why is it specifically needed? So, to put it in simple terms, then you need this policy so as not to compensate for damage from your own pocket that will be inflicted on third parties in an incident in which your fault will be proved. Naturally, this incident should be road and transport and include your car. What types of damage are covered by this policy? First, it is the damage you caused to the property of third parties. Secondly, it is harm that you caused to the health of third parties. Accordingly, all this is relevant in the event that you were a driver and became the culprit of a traffic accident. Naturally, the damage can be quite large, so many people are beginning to wonder what the size of payments for this insurance policy. This is exactly what will be discussed later.

Payments under the MTPL insurance policy

If you are dealing with Ingosstrakh, feedback on payments will in most cases be positive - people quickly and comfortably deal with their problems, practically without putting any effort into it. But there is one point that should be clarified to every car owner, before making an insurance policy OSAGO - is the size of payments for it. Until 2014 there were rather low rates of payments, which made the formulation of the policy extremely unprofitable. For example, to compensate for the harm done to one victim, 140 thousand rubles were given, and to compensate for the harm inflicted on several victims - only 160 thousand rubles. Fortunately, in 2014 the terms of OSAGO were revised, and insurance companies were obliged to increase the size of payments. And now each injured third person is paid up to 400 thousand Russian rubles. With regard to harm to the health of third parties, here the system is more complicated. Until 2015, 160 thousand rubles were provided for compensation of damage directly to the injured party to the traffic accident, 135 thousand rubles for compensation to persons entitled to receive it in the event of death of the victim, as well as 25 thousand rubles for organizing the funeral of the victim. In 2015, the payments were revised, and from that moment 500 thousand Russian rubles are allocated to compensate for the harm directly received by the victim, 475 thousand rubles are allocated to payments to beneficiaries that are prescribed in the relevant article of the law (there are more detailed persons who were previously reduced to Group entitled to receive compensation in case of death of the victim), as well as all the same 25 thousand rubles for the organization of the funeral. Well, now you know everything you need about the payments that the insurance company is obligated to carry out, and also understand the importance of OSAGO. But here the question arises: what about your own car. Will the MTPL policy compensate for the damage caused in a traffic accident?

Insurance of own car

When you want to insure the automotive aspect of your life, the insurance company Ingosstrakh will help you. Comments on OSAGO are extremely good, so you can safely rely on specialists. But OSAGO is not the only car policy that you should think about. The fact is that it does not cover the harm that your car will get. Under the MTPL insurance policy, insurance payments can only be received by a third party who is involved in a traffic accident. If you are not a third party, that is, your vehicle was found to be the culprit or one of the culprits for the occurrence of the traffic accident, the MTPL policy will not cover the costs of repairing your car. What to do? You should study the questions of car insurance more carefully, since you need to draw up a completely different policy, called CASCO, in order to pay off the costs of repairing your car that was injured in a traffic accident by your own fault. However, this policy is not the main topic of this article, so the fact of its existence and its purpose is all that you need to know about it at the moment.

Electronic policy

Considering with what impressive speed the development of modern technologies is taking place, the design of the insurance policy has recently become much simpler. It is about e-OSAGO, that is, an electronic insurance policy. At the same time, when amendments were made on payments in the event of damage to the health or life of third parties, an electronic system for processing insurance policies was introduced. Most insurance companies now have on their official pages on the Internet special systems that allow you to insure the car without leaving your home. Naturally, being one of the leading insurance companies on the territory of the Russian Federation, this system was introduced by the insurance company Ingosstrakh. Feedback on MTPL issued online is also extremely positive. However, it is worth noting that the design of an electronic policy will not be possible if you have not previously insured your car. The fact is that the system receives basic information in the SAR, and if you have not previously passed the car insurance procedure at the company's office, your data will not be in the database. This is a small drawback, which, hopefully, will be corrected in the future. If you were previously insured, then you will only have to fill out the required forms, and you will receive documents that are equivalent to the "paper" insurance policy that you received earlier.

Positive reviews

Well, it's time to look at what motorists across the Russian Federation are talking about the company Ingosstrakh - feedback on OSAGO. Moscow is one of the main regions where an impressive part of insurance contracts takes place. And it is from there that most of the reviews come, and it is there that they are almost all positive. What exactly do car enthusiasts who decorate with this insurer praise? What are the reviews of Ingosstrakh? OSAGO is the policy that worries every car owner, that's why they write the most about it. And a huge number of people in their reviews written over the past two years, note the convenience of issuing a policy on the Internet. The procedure is quick and convenient, the system operates smoothly and very clearly. No delays occur, the policy begins to operate one day after the payment is made. Also, people note other advantages of this company, such as the speed of payment on the insurance policy, the size of payments, as well as the quality of service by employees. As you can see, reviews affect all aspects of the company's activities, including the electronic OSAGO Ingosstrakh. Feedback, of course, is not exclusively positive - you can find negative opinions. Often, they leave the inhabitants of the regions, but we can safely say that the company that takes into account all the reviews - Ingosstrakh. OSAGO, Kazan is a place of action or Moscow, always represents a priority matter, therefore, employees are trying to help both residents of the capital, and representatives of smaller cities and settlements.

Negative feedback

As for negative opinions in relation to the company and its activities, they meet on the Internet on a variety of resources. For example, one of the cities where Ingosstrakh has its representative office is Nizhny Novgorod. Comments (OSAGO and other types of insurance) may differ, and someone from Novgorod writes a positive review, and someone else - negative. It is worth investigating on what grounds in most cases complaints are written? With more detailed analysis, it becomes clear that most reviews with negative tone are written because the user himself did not fully understand the documentation and rules. For example, in one of the offices of Ingosstrakh (Yekaterinburg), feedback on OSAGO came negative for the reason that car owners did not bring their conclusions on the road accident to the company's office on time. But at the same time they wanted the car to be repaired by CASCO. Like CASCO, one of the main specializations of Ingosstrakh is OSAGO. Clients' feedbacks are also constructive - for example, one of the car owners wanted to add another driver to the insurance contract in an emergency, however, the company can roll this action only for one month. It would seem that one small entry, the same small check - and all, but the company can not provide such a service, so this statement is a full basis for negative feedback. Negative also comes in the company "Ingosstrakh" reviews of payments OSAGO - people complain that their applications are too long processed, which makes it difficult to use the vehicle, but it often depends on the place of business of the company. But it is worth noting that all reviews are reviewed by company representatives, and each user receives a detailed answer that clarifies all the details of the problem.

conclusions

What conclusions can be drawn from all this information? It does not matter which department you contact - in Moscow, or whether it is Ingosstrakh-Voronezh, reviews (OSAGO this applies in the first place) will tell you that the service is at an equally high level. Naturally, there are dissatisfied, but if you review the reviews of OSAGO from other insurance companies, you will realize that the negative was and will always be.