Car insurance

 Car insurance

The great advantage for the owner of the vehicle, as of today, is the auto insurance - at the moment, does not cause the slightest doubt had almost none of the motorist.
Insured vehicle, the ordinary citizen, or, for example, the owner of a taxi company avtostrahovanieizbavlyaet the insured against the financial risks and to many troubles.
The media and police figures every day bring us messages about the accident. The situation on the road can be different and unpredictable. Injured pedestrians, drivers, cars mutilated or damaged road ograzhdeniya- if you are involved in any situation is not very good, the main thing is not to panic.

Firstly, the insurer has to be known, have a sufficient amount of share capital and to be financially sustainable. This information can be gleaned from published ratings of insurance companies. An important point that you should pay attention to the study of ratings, - the level of payments, ie, the ratio of insurance payments to insurance premiums collected.
On average, this value may range from 30 to 80%. If the vending company the level of payments is very different in the smaller side of the other participants - a sign that the insurer makes a very small payments. Conversely, if they exceed the average for the companies, it indicates a higher risk for the insurer. The coverage of more than 100% - the certificate incorrectly calculated by tariffs and its loss ratio in motor insurance.
Second, we must pay attention to the insurer's branch network: an accident can happen anywhere, and you should be able to get help from an insurance company in any region. Therefore, if you are making long trips, it is better to be insured in the company of the federal level, and if travel is limited to the territory - can be insured and regional companies, the advantage of which is a flexible tariff policy and the speed of decision-making.