WHERE YOU SHOULD NOT INSURANCE — Toyota Camry, 2.4 liter, 2008

Yes! I know I've dealt with Reso before. My Corolla was insured there. Two accidents - in the first case, I decided to take the money, a month later I received 6 thousand rubles, and in the repair service they counted 32,000 rubles. In the second, I just drove the car to the dealer in Kuntsevo, two days and the car is ready and not a crap. After that, I realized that it’s not worth taking money, they think at the minimum, it’s better to give the car to the service (and let them figure it out among themselves).

very bad people - these comrades from the Moscow reso (they run everything)

Yes, to the dealer, but they had an agreement with Reso. Why was? Because the comrades from Reso felt that the dealer was charging very high repair bills. And they don't seem to work together anymore.

not to a simple (even if authorized by them) car service, but to your dealer? so I understand?)

just tin I'm shocked kazly

this is advice for everyone. I have a lot of good things to say about this company...

the same bullshit. recommended Ingosstrakh, VTB and something else. Ingosstrakh can resolve the issue up to 600tr on the spot!

I have friends, they just pay, and so from them I learned a lot of interesting things about, practically, all the insurance companies in our village ... =(

here is one of my friends who works there… Expensive, but they pay! =)

I have one damn thing to renew insurance in reso for another six months - such an agreement ... for the winter it’s somehow spectacled - not me, but someone me. quite possibly.

Guys, don't be upset, this crap is everywhere! He was insured in the "Renaissance Insurance", troubles with them took a sip of full pockets. I received the payment 2.5 months after the accident, I had to fix it for my own, because. the car was already up for sale. The only thing that was positive in this whole story was that they counted the same amount as I spent on repairs. And the most offensive thing is that when you get into an accident, and you are not guilty, then you have to run and clear everything yourself, and the culprit was checked in by the traffic police, received a certificate in his hands and left. (

the culprit has casco or OSAGO? he probably runs the same way, but for his car?
a lot of people say that in many insurance companies this is true, but not in all! so you need to trial and error method)

read, took note.

- the payment to the hands of an amount three times less than the official dealer counted and two times less than the independent experts counted and is it your own fault?
- three weeks instead of five days for repairs - is it your fault?
- Is it your own fault that the case was delayed for 3 months, instead of the promised 20 days and "no problems"?
- to the question of nayebalov - they repaired me for 140 (independent, I repeat, 150) there spare parts cost 100, and not from the dealer's office, but according to existential. and the remaining 40 are repairs. guilty, right?
- it’s his own fault that I didn’t hear from a person who is obliged to tell about all the documents that they need (he wrote down everything they needed point by point)

himself to blame?

my casco is not limited by anything - you can also repair it at an authorized service. in the case of choosing the latter, there was a chance to get into non-payment of the full amount of the insurance and then sue. I didn't want to be too nervous.

cited the facts, draw a conclusion yourself about your competence in this particular issue in order to unequivocally judge it ...

Himself to blame. It is necessary to choose a repair at an authorized service or (although such a hull is more expensive) - a repair at the choice of the insured.
Ours, on the other hand, decide to fuck up the insurance company - so they always receive payments at "average market" prices.
In fact, RESO is an average company. Kidalov there is not so much. And believe me as a person who "totalized" the car - you need to read the rules. Carefully. There, 100% in the terms of the decision was described about the completeness of the documents, and you could ask them about it.

1. Exactly. In general, the feature of taking from the ceiling is in their blood. The newer the car, the more the results look like an ass swab. They smashed my rear bumper - its price is 18, without painting, and they are either 12 in my hands or repaired in an ara service.
2. Do not take hostility. I didn't say anything about the rules. Look - they have troubles like - 10 working days for a decision. But what do they count? and here the most interesting thing is from the moment when all the conditions are met. Somehow - the delivery of all documents (and you are a specialist in charge of your business, and not a lady who REALLY decides nothing, and in general these ladies who receive the docks should only not accept them? well, sorry.), providing the vehicle for inspection in a washed form, no cases for you. Let's wait 9 working days and say.
Do you also know that there is a delay option - checking that you did not interfere with the event? Those. did you not stand and look with indifference? but just in case, a mega excuse - and other cases, but they must be notified in writing ... etc. So I said that it was my fault - that I did not read the rules and did not find a bolt on every bullshit. I had a dynamite in the total for two weeks until I wrote a claim. They excused themselves that they were waiting for an order from the service station. Although these are internal documents. Do not get to the bottom of the rules - the consideration period would increase by another month.
3. Well, I wrote above. They may say that the last dock you have to look at is a defect list of a hundred, which they would decide in a few days. But in halts, in fact, it’s completely different - to hand over a certificate to the traffic police, hand over the car for a hundred, bring an application and that’s it. And they hang you...
4. I did not understand because of the expression. Unsubscribe as I understand — it's not your fault that the drain. The insurance company should fix EVERYTHING. Therefore, NEVER TAKE MONEY, when insuring, you must always choose repairs at an AUTHORIZED HUNDRED, which is the dealer under warranty - so they will not leave. And when issuing money with money, it is sometimes stupid, as they say in the CSG, for example - do you think that you owe more? go to court. Even in a losing case.
5. I'm sorry I didn't read the rules of my UK. The lady who runs your case is a loss specialist. In other words, secret. In the Renaissance, mine hit me so hard on the ears, and when I took the docks like an automatic machine, I said only one thing - everything is in Moscow, call me in a week. And the orphans and the poor called her and suffered. And they are their dynamo. And I'm tired. Having inserted their own rules into them like a red-hot crowbar in the ass, I began to solicit - where is the decision and the next countdown - on payment? You have 10 days to decide. And me - how so? after all, only yesterday your data came ... Sorry. It is necessary to crush the UK by their own rules.

Don't think that I'm for the UK, it's just that even choosing them is a difficult question. If I were you, I would have it repaired by an authorized service station. I don’t know what you decided about the non-payment, but you would have to sue only if the insurance part of the damage was not claimed as a one-time incident.
Once again I will say - the most correct repair at the dealer. After a thoughtful reading of the rules of the UK. No matter what they get. With claims for every day delay and threat under Article 93 of the Civil Code - the turnover of other people's funds.

In your case, I would do something like this - I would look at my policy. If the coolest option is a repair at the choice of the insured, then I would go to the dealer to be repaired and then the insurance bill.
If at the choice of the insurer - i.e. SC, then according to the rules, within the days indicated in them - a statement of the case, a copy of the certificate from the traffic police, a copy of the decision, a hull policy, if necessary, a paper stating that the criminal case has not been opened and there are no cases, washed transport for evaluation by an expert. There is a catch here - according to many rules, providing a vehicle is considered one of the documents that are submitted (more precisely, actions), but the UK stubbornly believes for some reason that it’s really possible to provide a vehicle - it’s not stupid to bring it, but to wait for the parts to be analyzed, to give troubleshooting to the dealer and wait for him to return to the SK calculation department the entire price for the parts. Here you can start to look closely at the SC kindergarten.
We stupidly wait for the required 10 working days according to the rules of the UK, we call - no? why?
Usually the options are no documents of some kind, one, waiting for defecting, two, a request to the traffic police, three, other, four.
In your case, they got hooked on a copy of the passport - the most popular topic. The list of documents must be looked at in the rules and in the paper - an act of accepted documents, on which it is noted that you have passed. And also remember - that they are obliged to notify if there are not enough docks or they decide to increase the deadlines. And often - by registered mail. If this does not happen, it is already a reason to write a claim. In general, secretaries cannot be trusted, you need to call the call center, make sure that the case has come and there are all the necessary docks. And sit quietly and consider the days laid down by the rules for consideration. In case of delays are required to notify otherwise go through the woods. So really why 20 days - xs. See rules.
You chose money. Hehe. Their money is the arithmetic mean between the most expensive and the cheapest offer on the market. I think that you do not need to talk about special firms, with all the docks that knock down the arithmetic mean so much and then you can calmly talk in court - but he chose it himself. And he has a dealer huckster. But we analyzed 10 sellers and here is the average price ...
Nothing can be done about the second 20 days. The IC is also playing for time because, from a hundred pieces of Casco paid every month, it fills 10% of what you paid for the policy. Why pay when you can pay less. Well, the rules ...
As for the contracts, there are also councils for this matter. both starting with personal control of accounts, filing claims, and simply rules, in which some things are also stipulated.
In this case, a claim addressed to the director of the IC branch. With tightening mark. Mention of the points of the rules on the timing of the transfer of money (should be in the rules), as well as other scares about the circulation of other people's funds and the penultimate point in the rules - disputes must first be resolved out of court. In all my cases, it moved them. And then it turned out that the specialists of the IC did a great job, it was just that this bad service station sent the calculation in the wrong format.

SC very often play on the verge - I have not seen a single SC that would have been paid on time. Always 2-3 days after the deadline, silent about the features and your own rules - you signed up that you read them, it’s your own fault. So if you want them to work, be ready to know the rules of your SC and stupidly demand a specific mention of a paragraph of their rules in every conversation with the call center when you ask why something has not been done yet.

I butted heads with Reness for almost 6 months for a wheelbarrow in the total. Was hit on the front. Zero. Drove from the salon. Whole almost. But they counted as many as 700 parts, that at a price of 1.2 million - total. They threw garbage like a battery and other things. LMS (Loss Specialist) hated me under horseback. And I'm just tired. When they sold me a policy - they were kind and fluffy, my connection was interrupted during an accident - so they called me and asked if everything was fine. And then it came - call in two weeks and so on. Later, I found out that everyone wanted to warm up in a wheelbarrow - starting with the appraiser at the local branch (chewing the words, he offered to take the good leftovers for himself and pay me off) and ending with the heads in Ekb and Msk - they even tried to pick up the car as if it was me not insurance I give it to a commission worker (commission agreement - they don’t buy from you, but take to sell, and when they sell - xs). I had to learn the rules. As a result, I didn’t even give the car back until the commission agreement was redone that they give the due money within 3 days, didn’t pay for its parking at the parking lot and in general - only thanks to lawyers I found out that when you hand over the car to the insurance company, they are responsible and they pay themselves they sent.
After that, I stupidly found a friend of a broker and probed with him on the topic of adequate insurance in the city. So that there would be a branch here, so that in the area of ​​u200bu200bspecialists she would have norms (the Renaissance had a complete ass). In my case it turned out to be insurance. There he insured Nastya.

But with the Lacetti, the RGS fucked me like you did ... But I believed them - well, how ... The world cannot be so evil, hehe. He also took money for a broken ass))) 3 times less.
By the way, it was necessary to sue. If the case is winning, then it is paid to lawyers and the state duty is paid by the loser. Those. you don't lose anything. They go to court on their own.

oh what a great write up! perhaps I’ll print it out)
regarding the complaint addressed to the director of the sk branch - if he were not a good friend of the family, then the case would generally drag on for a long time. for his part, he did everything he could.
everything is decided by Moscow (at Reso, at least).
the call center was also fucked up ... but in the end, this is such and such crap. now I'll know. but I would like such cases to happen less often ...
thanks for the detailed and practical advice =)

"In my case it turned out to be insurance." - do not quite understand.
I know about lawyers, now insurance companies are completely rude and sometimes their representatives do not come to court. and cases are sooo often decided in favor of ordinary people.