Universal automobile insurance definitely yields the results but as in any business, sometimes there are problems. And the most often meeting problem is an assessment of damage at road accident.
Happens so that independent technical expertize of damage of the car is much more favorable, than the examination which is carried out insurance company. And it is clear, the company is interested that insurance compensation was as little as possible. Besides there are cases when the insurance company and the estimating firm conclude arrangement.
Under the existing legislation the car owner has the right to make independent examination without addressing to insurance company for what - or permissions. If the insurance company insists on carrying out examination by own efforts, can quietly refuse as all expenses on carrying out independent examination, will be paid by insurance company. And anyway, you will not lose the right to an insurance.
For carrying out independent examination on road accident, you need to invite responsible for accident, having caused it in writing with the notice, at least three days before carrying out examination.
In the course of survey all damages, with use of a photo and video of means are documented.
In the course of accident there can be latent defects therefore before repair you have to agree with the master that at detection of it, it called you for additional survey and recalculation.
It should be notedIt should be noted that at a choice of the estimated company it is necessary to learn, whether this company in the contract with insurance agents consisted.