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Whether the person going without failures can, to pay for the insurance more than the person, is constant in failure the getting? Still as can! |
- How many?!
- 122 лата for a year, 113 – for nine months, 56 – for three months.
- But after all the previous owner paid three times less!
- It had other insurance history…
- But after all I did not have failures! How I can pay more than the person, is constant in them getting?!
- The cars which have been written down on you, had accidents three times.
- But after all not I had accidents! In police reports there are data of drivers…
- It is not important. Your car got to failures, means, to you and to answer.
- So to me to do?
- Copy the car on somebody another…
Dialogue in the insurance company.
Obligatory insurance of the car – a thing very useful. If you had an accident, moreover in it are guilty, you pay for repair of the broken cars not, and the insurance firm which has given out to you the policy of obligatory grazhdansko-insurance responsibility. Accordingly the more at you failures, the the insurance will be more expensive to you. All is logical. While for a wheel of your car someone has not sat down another.
- My husband goes without failures fifteen years, – Oksana Orlova has told to Hour. – About a year before last it had remarkably low insurance. Then for a wheel of our car the son has sat down and has had an accident – itself ran into other car. Fortunately, has done without victims. Repair of the broken car was paid by the insurance company. In a month when the husband made out the next insurance, it was still cheap. And a year later has suddenly risen in price. We have understood not at once, that it is connected with failure which was made by our son. He also has explained it to us and has paid a difference. A year later because of price inflation have again grown, and it became not clear, how many it is necessary to pay in addition because of failure, and how many – because of increase in cost of the insurance. The most amusing, that the son now goes by the car, itself pays the insurance and at it the insurance costs as much, how many and at the father.
In family Григулисов a situation still анекдотичнее. The first the father has got to failure. In a year, having understood a situation and not having wished to pay for the insurance it is more, he has copied the car on the daughter. Then, when the daughter herself has got the car and itself it has had an accident, and, and the father have copied cars on mother. Then the daughter has once again had an accident, and cars have copied… On the grandmother. The grandfather and the grandmother on the other hand were not owners of two constantly broken cars only. But, most likely, will be. Though it is right is only at two members of a family – at the father and the daughter.
As the insurance companies specialising on obligatory insurance of cars, in Latvia it is a lot of, that each firm could see insurance history of the automobile owner (that is history of its failures, insurance payments etc.), the uniform base which collects the Latvian bureau of insurance of automobile owners is created. Thanks to this database any insurance agent, having entered a personal code of the client and car number, can learn all history of failures and insurance payments. The automobile owner is able to do it also, having come on a site www.ltab.lv and having chosen in a column at the left the reference bonus-malus. But this information will be not on the driver continually making failures, and on the owner of the car. The driver who is constantly going for a drive by cars, written down on another’s name, will pass in this system not noticed.
- Our system is calculated on the fair driver who has one car and itself by it goes, – the head of projects of information technologies of the Latvian bureau of insurance of automobile owners has told to Hour Марис Каневс. – in most cases the system works. Therefore on 70 % of the physical persons registered at us, it is written down on one car, and the history of their insurance can be tracked from the very beginning.
However, and history of fair payers far not always crystal-clear. To that an example the case which has occurred to your correspondent. Several years ago the author of this article became the originator of failure. Business was so: at braking at a crossroads at жигуленка the author brake tubes have burst and it has driven in a smart Mercedes which has in turn knocked a brand new Mazda. The damage – is more than two thousand латов. The Cause of accident – the burst tubes – has been defined at once: near the car the pool of a brake liquid was instantly formed. By the way, жигуленок two weeks as there has passed checkup. It would Seem, all is clear – the station of the checkup which in time has not found out raised deterioration of elements of brake system is guilty of failure. So, yes not so.
The policemen who have arrived on a scene did not begin to enter this reason in the minutes, and instead have taken away your author away and have explained, that it should prove the correctness in court, and on it it does not have chances. Moreover, at first the car should be taken away on paid parking of police (15 латов a day), and it will stand there while there is a court with station of checkup which will redirect the judicial claim to the manufacturer of the burst tubes. (Who, by the way, changed tubes? Ah, has already bought the such… And on tubes of marks of the manufacturer is not present? All is clear… Never to you to prove the correctness. You will pay, the guy, car parking for half a year and a legal cost and you will prove nothing… Well, you will be to search for truths? In sense we make the report taking into account the burst tubes or you recognise, what went inattentively? Not боись, there will be no to you a heavy fine…)
Certainly, your author has followed to council of policemen. The penalty really was small, more precisely, it at all was not. There was a prevention. And increase in cost of the insurance which has changed a year later when failure has been safely forgotten…
Your author has made a conclusion of this situation such: old cars – angrily, and angrily inevitable. However, the exit is always. For example, to reconcile to increase in cost of the insurance or… To copy the car on the close relative.