Ingosstrakh insurance company informed its customers that parts damaged in an accident will now be returned to customers more often than replaced with new ones.
“In connection with the current situation, we have agreed with most dealer centers to preferential repair instead of replacement of damaged parts and maintain dealer warranty for all work,” the letter received by the insurance company’s customers states. (available on socialbites.ca) .
Ingosstrakh explained that the sent notice primarily concerns the repair of vehicles insured under comprehensive insurance.
“Repair of damaged body members was previously available to dealers with an appropriate warranty, but in some cases such repairs were not economically viable,
Vitaly Knyaginichev, head of retail trade in Ingosstrakh, told socialbites.ca. “Currently, the cost of spare parts from automotive distributors has increased by 30-50%, many parts have become unusable due to logistical failures.”
Insurance company RESO-Garantia is also ready to offer such a recovery option to drivers injured in an accident.
“We will discuss with customers what is more important to them now – repairing the machine and returning it to operation as soon as possible, or waiting for the supply of original spare parts,
RESO-Garantia deputy general manager Igor Ivanov said in an interview with socialbites.ca: “If dealers are willing to repair a part rather than replace it, and this will significantly speed up the restoration of the car, we will offer our customers this option.”
According to Vitaly Knyaginichev from Ingosstrakh, if the owner of the car does not agree to the repair of the part, he has the right to sign an agreement to extend the repair during the delivery period of the part or to change its shape. cash compensation. In the new conditions, the supply of spare parts is delayed: if 2-3 months ago an order from the EU arrived at the distributor’s warehouse in 10-15 days, today the delivery time may be 50 or 60 days, but there is no delivery time. He gives the guarantee of delivery himself, for example.
“In March alone, spare parts prices of popular brands increased by more than 20%. Spare parts for popular cars are still in importers’ warehouses, delivery times for more specific ones have increased for obvious reasons,
— Adds Igor Ivanov of RESO-Garantia.
In Ingosstrakh, the growth of the average loss (the cost of restoring a car in an insured event) for different brands is estimated at 30-40%, given the increase in prices for spare parts and consumables. Other insurers did not answer socialbites.ca’s questions about similar measures, but a source at one of Moscow’s leading insurance brokers said:
In terms of compensation in case of accident in boat insurance contracts, the situation is the same for almost all companies.
With this approach, Casco makes no sense – Anton Shaparin, vice president of the National Automobile Association, convinced the car owner to provide the restoration of the car in the event of an accident.
“Casco is absolutely losing its relevance, because it is completely incomprehensible why a person has to take a few kilograms of putty on his car when restoring body parts,” Shaparin said in an interview with socialbites.ca. –
In addition, body insurance mainly covers new cars, including a large number of cars whose aluminum parts cannot be restored.”
Such cars will go without compensation, and their owners will have to go to court to recover the market value of the spare parts from insurance companies, he added. Parallel imports of parts can help to alleviate the situation with the restoration of vehicles damaged in an accident.
Freedom of Choice automobile movement lawyer Sergei Radko states that repair methods are determined by the insurer or an appraisal company authorized by him during the assessment of the damage, the car owner has the right to object to the quality of the work done. .
“It’s not about repair methods, it’s about quality. If the repair is of poor quality, a claim should be made to the insurance company that organized the repair and is responsible for it, ”Rako explains to socialbites.ca. –
However, it is foreseen that if the commodity value of the car is lost within the scope of the motor insurance contract, it will not be included in the compensation price most of the time.
Radko concluded that in this case it would be necessary to obtain compensation for this parameter from the culprit of the accident.
Source: Gazeta
