RESO-Garantia is one of the many insurance companies operating in the Russian Federation. Now, many people seek to insure their life, their property, and so on. However, desire is one thing and commitment is another. To insure your home or not is a decision that each person makes independently. He can invest in insurance and in the event of an accident receive material compensation, or he can rely on luck and hope that nothing will happen.
This business is quite profitable for insurance companies, such as RESO-Garantia, - payments are usually made not so often, and income is received constantly. But here you should pay attention to such a thing as CTP. What it is? If you live in the Russian Federation and own a vehicle, then most likely you already know about it. If not, then you should find out that CTP is mandatory insurance policy, which will cover the costs of damaging the victim through your fault to a third party, be it vehicle repair, treatment or a funeral. And this policy stands out in that it is mandatory, that is, each owner of the car must insure it under OSAGO. And, of course, the question arises - where to turn to?
There are a large variety of insurance companies, however, as you can already understand, this article is about RESO-Garantia. Payments are what interests each car owner in the first place, since this parameter is often the key. That is why in this article everything that you need to know about CTP payments and other policies of RESO-Garantia.
Payment insurance amount payments: what is taken into account
So, the first thing that interests everyone is how exactly are the amounts accrued by the insurance of RESO-Garantia? Payments in this case are calculated according to a standardized formula without making any personal elements. Such factors as the country in which your car was manufactured, the intensity of operation and wear of the car, as well as the insurance region, are taken into account.
This may be unexpected, but different factors operate in different regions of the country, so do not be surprised if payments in one district of the Russian Federation are higher than in another, despite the fact that all other indicators are equal. Accordingly, the payment calculation system is as transparent as possible, and if necessary, you can clarify all the details with a specialist. But you will not need this, because at RESO-Garantia, payments to any clients never raise questions.
Payments for damaged car parts
Many users are wondering when they can rely on insurance benefits. RESO-Garantia is a large insurance company that has too large a client base to try to deceive anyone for profit. Thus, you can believe what experts are telling you.
In this case, when it comes to damage to any element of your car in a traffic accident, much depends on the condition of this part. For example, if you already had a dented bumper, which was even more damaged in an accident, then payments to you will not be made.Also, car wear is taken into account: if your car is already many years old, then payments will accordingly be lower - up to fifty percent with a lot of wear. If you are repairing or replacing one or another spare part, then you should definitely keep all the relevant documents and confirmation of payment. Then you will be able to submit these documents to the insurance company, which will affect the final payments. RESO-Garantia is a company that takes into account absolutely all the details, so if you can prove that your bumper was new at the time of the accident, you will be refunded the full cost of the spare part, its repair and installation.
Information on payment and its receipt
There is another very important point in the issue of insurance - is obtaining information on payments. Many people are lost because they cannot figure out what payments they are relying on, what they can claim, how to get it, how to find out about all this and so on. Naturally, this is a common problem, because people, most often, are not lawyers or highly specialized specialists in order to understand absolutely everything. That is why they turn to professional companies, and here you need to be careful.
Since insurance has recently become a very popular and relevant area of activity in the Russian Federation, you can accidentally turn to an unreliable specialist who will try to fool you. This will not happen if you contact a large trusted company that has an office, a customer base, and a full-fledged payment center. RESO-Garantia is just one of the largest insurance companies in the Russian Federation, so you can safely contact employees to get all the necessary information about your policy and payments on it.
The feedback of users who contacted this insurer proves this fact - the specialists working in RESO-Garantia are professionals in their field, working for the benefit of the client. So, if you have your policy number, which you receive in the office, by email and even in SMS message, then you can get full support for any incident covered by your insurance. To receive the promised funds, it will be enough for you to contact the official payment center RESO-Garantia - no “muddy” schemes, solid officiality and transparency, which people in this company appreciate and are in a hurry to note in their positive reviews.
Amounts of payments and collection above the norm
So, now you know how to find out the payment in RESO-Garantia: for this you need to contact the company directly, since there is no specific amount. Payments are calculated taking into account all circumstances, the condition of your car, its wear and tear, as well as many other factors. The most important thing that you should know is that if you become a third party in a traffic accident, that is, you are injured, then you can be paid up to 400 thousand rubles from the guilty driver’s policy. In this case, as mentioned above, absolutely all the little things are taken into account - the documents examine the condition of your car before the accident, the wear of all damaged parts, and if they were already damaged before the accident, compensation from replacement or repair can be excluded from insurance payments.
Therefore, you should contact RESO-Garantia - the terms of payment here are more than acceptable, but the insurer will impartially consider all the details of the case and will not try to reduce the amount of payments, as small and unverified companies entice customers with supposedly advantageous offers. It’s better to overpay a little, but then have the confidence that you will receive your insurance payment.If we are talking about the fact that you damaged a third party car, then OSAGO insurance plays into your hands by the fact that the insurance company will pay all expenses for compensation to the injured, otherwise you could be asked to give money for repairs voluntarily, and if you refused , they would try to do it in court.
Please note that you can also go to court to obtain compensation on top of that which was paid under compulsory motor third-party liability insurance - but for this you must have appropriate grounds.
CTP and CASCO - what is it?
We should also pay attention to CASCO payments “RESO-Garantia” issues insurance policies of both types, however, novice motorists are not always able to figure out what each of them is. You can write a lot on this topic, but now it’s important to just get a general idea of what each policy covers so that you don’t have any questions when you want to receive CTP or CASCO payments. RESO-Garantia is engaged in insurance at a professional level, so that you can find out all the details on the spot, but first you need to have basic knowledge.
So, CASCO is an insurance policy that you draw up to insure your own car in case of damage in a traffic accident. Everything is pretty simple here: you get into an accident - and you go to the insurer to pay for the repair or just to pay a certain insurance indemnity, the amount of which, as you could already understand, depends on many factors.
Differences CTP from CASCO
MTPL is not so simple - many motorists do not fully understand what kind of policy it is. With it, you insure your liability as a driver in the event of traffic accidents that occur between two or more vehicles. What does this mean? This means that CASCO covers the damage that your car receives in road accidents, and CTP - the damage that you do to other participants in the traffic accident. Accordingly, in “RESO-Garantia” you receive insurance payments under CASCO, and under CTP - the person who suffered damage through your fault.
Importance of official registration
If you are bound by contractual obligations with RESO-Garantia, the company's payment department will always be open for you. However, at the same time you need to make sure that you are acquiring a policy from this company, and not from any other company, or, even worse, from a scammer. User reviews on the Internet (both on the company’s website and on some other resources) have repeatedly indicated that car owners appeared in the RESO-Garantia payout department, trying to get a payment on an insurance policy that simply was not in the company's database .
The problem here is that fraudsters very often turn to naive citizens, offering to quickly, cheaply and effectively issue an insurance policy, hiding behind the names of large companies, such as RESO-Garantia. As a result, the car owner makes a payment for insurance, but cannot claim payment from the insurer, because the insurer does not cooperate with this car owner. So be extremely careful and do not agree to offers coming from unverified sources.
If you want to issue an insurance policy with a guarantee for insurance payments, then you should do this only at the office of RESO-Garantia or on the official website of the company. Otherwise, you will have to try to recover all payments in court - RESO-Garantia will not be able to cover your expenses if your policy is not listed in the company's database.
Insurance Payments Reviews
As mentioned earlier, it is insurance payments that cause the most questions for car owners.In which case are they entitled to compensation? What will be its size? All this has already been discussed above, and you have already mastered the basic information. Now it's time to consider what Internet users are saying about RESO-Garantia. CTP payments, reviews about which are much more common than others, are made only if you are a victim - and reviewers who write negative reviews have problems with this. They scold the company, which does not want to pay compensation for compulsory motor third-party liability insurance, although in reality they are not supposed to receive any compensation. In the reviews, users express both gratitude for the effectiveness of the company and resentment in one way or another. All this is worth considering in more detail.
Positive reviews
If you are looking reliable insurance company which guarantees you the fulfillment of all obligations, you definitely need to pay attention to the RESO-Garantia company. Feedback on payments, paperwork, surveys and other aspects of the company’s online experience is extremely positive. People note that the policy is drawn up quickly, employees are always ready to help and suggest that in the event of a traffic accident no problems are created for the client - all the tasks that the company can only do, it takes on. However, there are those users who remain dissatisfied with the services provided to them.
Negative reviews
It is immediately worth noting that most car owners who left negative reviews did not have factual grounds for this. In the insurance industry, this is a common problem, because this area is quite complex both in matters of understanding and in the interpretation of the situation. And the client, of course, always wants to be paid as much money as possible and as soon as possible. Therefore, people are outraged that they are paid only fifty percent of the cost of repairs, while not taking into account the fact that their car is already more than twenty years old, and it was repaired for the last time five years ago. Or they are not happy that they have to wait a month for payments, although it takes a lot of time to determine the size of payments and clarify all the details, and all the terms are described in detail in the contract.
