Today, every car owner must get an insurance policy. This form is drawn up in any insurance company and gives the car owner the right to receive monetary compensation for car repairs in the event of an accident. Today, there are a huge number of companies providing citizens of the Russian Federation with such services. However, not all of them are reliable. At any time, the company may go bankrupt or lose its license. In this case, car owners who paid money for the service are left with nothing. To avoid this, it is worth choosing proven and trustworthy offices.
Sogaz Insurance Company appeared in 1993. It was this company that was the first to receive the best credit rating equal to BBB +. This means that in the event of bankruptcy or other problems, the company will be able to pay off its debts to customers.
Today, most car owners choose SOGAZ OSAGO insurance. Addresses of the branches of this company can be found on the official website or in any directory. To date, IC has opened 7 branches in different districts of the country. Therefore, almost everyone has access to insurance. Before paperwork is recommended to call and order SOGAZ OSAGO. Company phone : 8-800-333 - 08-88 (free hotline).
Types of insurance
To date, the office executes transactions not only for automatic telephone exchange insurance. In addition, customers can receive certificates that protect real estate, life, various household appliances, children's health and investments.
Nevertheless, the SOGAZ OSAGO insurance is still the most popular among the population .
Policy Rules
When receiving an insurance form, it is important to consider the nuances of transactions of this type:
- The contract is concluded for a period of 12 months.
- The agreement can be signed with the owner of the vehicle or a proxy of the car owner.
- In order to extend insurance obligations, it is necessary to draw up documents for a new period.
- If a client receiving OSAGO SOGAZ has provided false information about himself, then in the event of an accident he will not receive a cash payment.
- For the correct execution of all documents, the car owner must provide his data and information about the people who will also manage the vehicle.
- The policy is issued to the car owner within a month after paying for the services of the company.
- Data on the car's license plate must be submitted to the company no later than 3 days after the preparation of all papers.
- If the original insurance form was lost by the car owner, then a new document is issued to him free of charge.
It is very important to provide accurate information about yourself and other persons involved in the transaction. If the company's specialists find out that any information is false, then the insurance contract may be terminated unilaterally. Therefore, it is best to check the accuracy of the applicant’s data several times.
Required documents
The list of securities required to obtain OSAGO SOGAZ may vary depending on the specific case. Nevertheless, there is a standard list of documents that are best prepared in advance. Insurance will not be possible without:
- applicant's registration certificate;
- inspection;
- applicant's passports;
- power of attorney;
- documents confirming the registration of the PBX.
In addition, an SK employee may request an old contract with an insurance company. Confirmation that the applicant was not a member of the accident may also be required.
It should be borne in mind that in the case of buying a new car MTPL must be issued no later than 10 days from the date of purchase of the car.
Online clearance
To obtain the SOGAZ OSAGO insurance policy, it is not necessary to go to the company’s office. If you prepare copies of documents in electronic form, then you can draw up documents via the Internet.
To do this, just visit the official website of the company and find on it the section "Online Design". After that, it remains only to fill out all the necessary fields, get acquainted with the preliminary cost of the policy and wait for an answer.
Insurance price
The cost of the policy depends on the brand and year of manufacture of the car. The applicant's driving experience is also taken into account. If the car owner is a beginner, then the UK risks more, respectively, and the cost of the form will be higher.
On average, an insurance policy will cost from 5 to 10 thousand rubles. If the transaction is executed online, the client will pay less, since in this case his documents will not be processed by an operator, but by an automatic system.
How are payments made?
As with any other insurance company, compensation is paid after the insured event was recorded. To do this, the car owner must call the inspector of the traffic police and draw up an appropriate protocol, which will be a confirmation of the accident. This document must be provided to the insurer within 2 days after the accident. At the same time, the car owner also writes a statement, which is considered by the UK up to 5 working days.
After that, the insurance company appoints an examination, during which the nature and complexity of the damage to the PBX is assessed. Based on this document, an insurance act is drawn up, and the car owner receives a cash payment to cover auto repair.
Nevertheless, a number of defects should be taken into account for which the motorist will not be able to receive monetary compensation. For example, if the wheelbase has been damaged.
Insurance company Sogaz: reviews for compulsory motor liability insurance
If we talk about the opinion of car owners, then basically all motorists praise this UK. First of all, customers note insurance terms that are more favorable than other companies.
Nevertheless, on the Internet, one can also meet discontent regarding the activities of this organization. For example, some car owners did not leave the best reviews for OSAGO from Sogaz . There were cases when customers had to wait in long queues to get the necessary information from the insurer.
Also, many complain about the very long processing of documents. However, company representatives assure that today most of the operations are performed not manually, but via the Internet. Thanks to this, now there should no longer be such problems.