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One of reefs of insurance of the autocredit about which many learn only after the come true fact, that at insured event approach, damage compensation is received not by the owner of the car but by bank which financed its purchase. You always need to be remember and consider it. On the one hand, such state of affairs seems unfair. As so, we are the owner of the car, besides, we pay insurance payments and there was a trouble with car – will not receive copecks. But if to take a detached view of this problem of bank all will be fair. After all according to the legislation when to property which is in pledge, the damage is caused, the proprietor should indemnify this loss to result this property in that condition which it was at the moment of the conclusion of the contract of pledge. If we will not have an insurance policy on stealing and a car damage we will be compelled to indemnify a loss to bank in full at the expense of the means. At such point of view insurance of Kasko does not seem already such frightening.
One more interesting moment. There is rather unpleasant moment in autocredit insurance – we pay an identical insurance payment during all period of action of the credit and the same insurance company. In everyday occurences when we voluntary insure the car, the insurance payment decreases depending on deterioration of the car. It is correct, after all having done a bit of travelling on our roads, the new car, in a year considerably goes down in price. However, in case of autocredit insurance this rule does not operate. It is possible to explain it only to that banks, having lowered percent on autocredits, wish to insure the risks on all cases and under the full program.
By and large, as though autocredit insurance was not unpleasant for the borrower, it is fair and it is necessary. In any case autocredit insurance banks give the kinds of autocrediting which are not demanding insurance. We always have a choice.
However today, aspiring to involve clients, banks offer the credit for a car and without the insurance. In this case experts underline that on the borrower lays down special responsibility for the own risks. If the program without the insurance gets out it is necessary for borrower to analyse repayment of the credit under condition of loss the car. And if there are doubts in the possibility to extinguish the credit independently, it is more expedient to insure the car or in accredited by bank, or if there is a possibility, in other insurance companies, in advance carefully having studied the offered conditions of insurance.
Funny, but lots of the people simply forget that we live in the world where knowledge makes life easier. Why not applying this to the topic of cheap auto insurance or anything around this topic?!
Due to this if you are properly armed with the information in your topic you can be sure that you will always find the solution to any bad situation. So, please make sure to track this blog on a regular basis or – the least time consuming way of doing it – sign up to its RSS feed. In such an easy way you will have your hand on the pulse of the freshest info updates here. Blogging can be helpful, you just need to understand how to use blogging power to find the best car insurance propositions.
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