Hi all. Unfortunately, my review today is not at all happy. The state has planted a capital "pig" with its new law on auto insurance and compensation for damage.
My husband had an accident a couple of months ago - he let a pedestrian pass at a pedestrian crossing and a very hurrying man drove into him from behind. Everyone knows that now, even if you are not guilty, you turn to your insurance company. So my husband had just "Reso Guarantee". Why "Reso"? Yes, because from their website you can issue electronic policy and print at home on the printer.
After completing all the paperwork at the traffic police, my husband went to the Reso branch in the neighboring city of Sochi.
Well, of course there are queues, not very pleasant employees, etc. Under the new law, he was sent to the only workshop with which they had an agreement. The workshop, of course, turned out to be, let's say, not of the highest class.
He came to this workshop with a referral, he was told that they would call as soon as the necessary parts arrived. They probably didn’t call for two weeks, until he himself began to call. Then they called and said, come leave the car. The husband asked, what details came? They are not, but we must first agree with the insurance value, let the car be with us. Husband, according to the law, you are given a month for repairs, if I bring the car, you will give a paper that you accepted it for repairs. They, no, we won’t give it, well, then wait until the details arrive and hung up.
What the hell does they ask for a car if they have a list of parts and everything has already been agreed upon for a long time.
Somewhere in 10 days, they finally called from the workshop and said to come. The car was under repair for two weeks, but in the end: the parts were not installed at all from our car, they were screwed with screws where it shouldn’t be at all, the bumper sticks out on one side, well, it’s clear that it’s not native, they stuck how it happened, even I She noticed it with a woman's eye. That plastic part that is located above the silencer (forgive the woman who does not understand all the names) is also not from our model of the car and it turns out that it does not have a cut for the silencer and touches it. Those. Muffler fire is quite possible. They also painted it with a paint that did not quite match in color.
When the husband began to resent and refused to sign an agreement with the repair, the big man came out and began to threaten that he would now take a hammer and smash the whole car, and if he didn’t sign, they wouldn’t give the car back. The husband said that he would call the police in this case. Then they still let him indicate in the document of disagreement.
With this document, the husband went to the insurance company. An expert from the insurance company recorded that the parts were indeed from the wrong car. The husband wrote a statement. A week went by, no reply, no reply. He started calling the insurance company, they said that they did not decide, but the Moscow office. We call Moscow, they say that no one has sent them documents. Again we call the Sochi branch of "Reso", they, well, we are waiting for the workshop to give its comments, and there your master is on vacation, when he comes out, then we will send it. After the husband wrote a complaint about the branch in Moscow, the documents were sent and the master was immediately found.
After 10 days, Moscow answered, contact the workshop again.
But I forgot to write that my husband left the car with a full tank, and when he took the tank was almost empty. But the mileage on the speedometer did not change, but apparently the masters either sat on the gas, or drove the air conditioner with the door open to cool the entire adjacent space. Even the husband did not have time to get home when the error light came on. The car miraculously began to eat oil (although in general there were no such problems before).
As you understand, I don’t feel like going to the workshop again, it’s not known that after repeated repairs it can still break. Yes, and masters can easily spoil on purpose.
Husband made independent expertise in order to sue .... but now we are faced with the fact that the lawyer does not know what to do in this case. There was no such practice, the law is new. As a result, there was one who nevertheless tried to study the law and one unpleasant detail turned out that the insurance company has every right to send it back for repairs to eliminate defects (which it actually did) and the joke is that during repairs, the owner can be present in the workshop only with the permission of the master (and as you understand, no one will allow it). Those. what the “grateful” will do with the machine for the fact that they have to redo the master, one can only guess, because. the owner cannot be present at this case.
So it turns out that suing is a very dubious event, because. The law requires re-repair, not payment of money. It is up to them to decide whether insurance pays money or sends it for repairs. We were not lucky, sent for repair. And one more "fun" moment. Prices for repair parts are considered at some special (lower) prices. Those. The workshop is allocated an already underestimated budget from the insurance company, but they still want to get rich, so they generally order a full city, but they also sculpt it just somehow. By the way, less than a month later, the bumper that they screwed on began to crack.
Here is a pancake and "harnessed" our state with its new law. Now it seems better to make the car good at your own expense than to remake it later after the crooked hands of the masters, and even if you run into unscrupulous ones, then you will get additional problems.
I hope, of course, that not everyone is so "lucky" with the masters, but something is hard to believe that new law will be successful with the drivers.
Choosing RESO OSAGO , you receive guarantees for payments in insurance cases.
In 2017, RESO-Garantia took the bronze place in terms of the number of OSAGO payments, while the amount amounted to more than 46 billion rubles. All thanks to polite staff, fast service, and most importantly for policyholders - payments without delay in full.
Motorists insure their vehicles annually. This is provided for by the law compulsory insurance civil liability vehicle owners.
In addition, now you buy OSAGO for yourself, and not as before for others. In cases where only vehicles are damaged in an accident and the participants are insured with OSAGO, you must contact your insurance company.
That's why choose RESO insurance OSAGO:
The policy can be of several types:
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There are such scammers who can assure you that everything is fine! But take my word for it. Check.
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CMTPL repairs are carried out by the STOA-partners of RESO Garantiya.
The timing of the restoration of a car in each case is individual.
But there are approximate calculated data in working days:
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10/31/2017 at about 18:30 in the parking lot near the building at the address Moscow, Svobody St., 57/1. I got into an accident on a Land Rover FreeLander 2 car, state number E 304 МХ 197. The car is insured under CASCO in IC RESO-Garantia (policy No. SYS1210138965 dated 05/16/2017).
As a result of an accident, the right rear fender was damaged.
Because the damage is minor and the second participant in the accident pleaded guilty (is insured under OSAGO in IC "VSK"), we compiled a Notice of an accident according to the Europrotocol.
On 11/01/2017, the car was inspected by an accident commissioner sent by RESO-Garantiya SPAO and an inspection report was drawn up.
On November 14, 2017, I arrived at the claims settlement department of SPAO RESO-Garantiya at the address, Moscow, Zelenograd, 4801 pr-d, 5, and presented the car for inspection to an expert of SPAO RESO-Garantia. Given that at the time of car insurance, there was a defect in the paintwork on the rear right fender, which I eliminated at my own expense, I submitted documents confirming the repairs carried out at the Avtodin LLC STOA (STOA of an official FORD dealer):
1. Order No. 0000052515 dated 10/03/2017;
2. The act of returning the car to the client;
3. Receipt of payment for the cost of repairs dated 09.10.2017
In the inspection report, I indicated the preferred service station for repairs - NIK-Avto (Moscow, Zelenograd, 4801 pr-d, 5), with which SPAO "RESO-Garantia" has an agreement on a natural settlement. Despite this, I was sent to the RESO-Auto-Service service station (Moscow, Nagorny pr-d, 6, building 6), which is located at the diametrically opposite end of Moscow. Look at the court where Zelenograd and where Nagorny pr-zd !!! .. I was refused my requests to redirect me to the service station in Zelenograd (NIK-Auto).
On 11/24/2017, I found out that I was refused to paint the damaged part on the grounds that after the repair, I did not submit the car for a second inspection.
Reasons why I did not submit a car for inspection:
1. The car was received from repair on 10/09/2017;
2. On October 11, 2017, I returned to work from another vacation. Due to the heavy workload, I could not find time during daylight hours (I still work and can not always leave work) to present the car for inspection. Yes, and to assume that in two weeks the car will be damaged, and it is this detail, I also could not.
For some reason, the documents confirming the repair carried out were not taken into account by SPAO "RESO-Garantia".
I regard the current situation as a sophisticated mockery of the client. The behavior of officials of SPAO "RESO-Garantia" calls into question the expediency of CASCO insurance in RESO-Garantia, because if I had applied within the framework of OSAGO to the IC of the culprit of the accident (in this case, IC "VSK"), then such problems would not have arisen.
I categorically disagree with RESO-Garantia's refusal to repair damage to the rear right fender in full and send the car for repair to a remote service station if there is a service station in my area, for the following reasons:
1. Damage to the paintwork of the rear right fender at the time of insurance of the car, recorded in the Description vehicle carried out by an IC specialist, and which is an integral part of the Insurance Contract No. SYS1210138965 dated 05/16/2017, were eliminated by me at my own expense, which is confirmed by the documents submitted. The currently existing damage appeared as a result of an accident on 10/31/2017.
2. In the area of my residence there is a service station NIK-Auto, with which SPAO "RESO-Garantia" has an agreement on natural settlement (this information is posted on the official website of SPAO "RESO-Garantia" http://www.reso.ru.. .). The client has the right to choose a service station that is convenient for him from the list of service stations with which the IC has concluded such an agreement.
Based on the above, I demand:
1. Repair the rear right wing in full, including painting;
2. Send my car for repair to the service station "NIK-Auto" (Moscow, Zelenograd, 4801 pr-d, 5),
I ask you to consider my claim within 10 days and, in case of refusal, provide me with a reasoned answer indicating the legislative norms and documents of the Russian Federation in support of the position of RESO-Garantia.
Please send the answer to my registration address, a copy of the answer to without fail to the email address: [email protected]
