GUTA-Insurance CJSC was founded in 1994. Over the years of work in the insurance market, the company has become one of the leading financial institutions in Russia. The company is among the top 20 largest insurers in Russia in terms of insurance premiums collected and the amount of authorized capital, which is 1.528 billion rubles.

ENERGOGARANT has an AA + rating (very high reliability, first level) assigned by the National Rating Agency. The company "ENERGOGARANT" carries out its activities in various types of insurance for both individuals and legal entities (more than 250 insurance programs).

URALSIB Insurance Group is a federal-scale universal insurer, one of the leaders with a reliability rating A ++ "Exceptionally high level of reliability". The company provides a wide range of insurance services to retail and corporate clients, operates on the basis of a Federal Service License insurance supervision RF No. 0983 77 dated 13.12.2

State Insurance Company Yugoria was founded in 1997. The only shareholder of the company is the Khanty-Mansiysk Autonomous Okrug - Yugra, represented by the Department of State Property Management of the Khanty-Mansiysk Autonomous Okrug - Yugra. Authorized capital the company is currently 1.833 billion rubles.

ERGO Group is one of the largest insurance groups in Europe and the second largest insurance group in Germany. Annual insurance premiums - more than € 20 billion. The group is represented in more than 30 countries. In Germany, ERGO is a leader in all segments insurance market... ERGO is part of Munich Re Group, one of the largest reinsurance groups in the world.

OJSC "Alfastrakhovanie"

AlfaStrakhovanie Group is one of the largest Russian insurers with a versatile portfolio of services, including both comprehensive business protection programs and a wide range of insurance products for individuals. Under the license, it offers over 100 insurance products, including life insurance products.

The company has been operating in the insurance market since 2000 and invariably provides its clients with a wide range of quality insurance services. The company's activities are aimed at providing qualified insurance coverage for enterprises and citizens of Russia. The authorized capital of LLC SK " VTB Insurance"- 1.54 billion rubles. Collection of insurance premiums based on the results of 2012 - 22.7 billion rubles.

LLC "BIN Insurance"

LLC BIN Insurance (formerly LLC First Insurance Company) is a universal Russian insurer operating in the insurance and reinsurance market since August 2000. The authorized capital of the Company is 1.07 billion rubles. In accordance with licenses BIN Insurance sells more than 50 insurance products.

Kompanion Insurance Group is a dynamically developing universal insurance company that has been operating in the insurance market for 15 years, invariably demonstrating high quality service and focusing on customer satisfaction. The company provides a full range of services for individuals and corporate clients in 17 types of insurance.

Soglasie insurance company Since 1993 Soglasie insurance company has been offering its clients more than 90 different insurance products, which are constantly being improved by a professional team of experts. For individuals, state-owned enterprises and representatives of various levels of business, we are ready to offer a full range of insurance coverage: auto insurance, property insurance and response

LLC “Insurance Company“ Surgutneftegas ”is a universal insurance company, leading its history since 1996. The company is included in the TOP-30 leaders of the Russian insurance market in terms of premiums (excluding compulsory medical insurance). It occupies one of the leading positions among the largest insurance companies in the Urals and Western Siberia, the Tyumen region, including the Khanty-Mansi Autonomous Okrug and Yamalo-Nenets Autonomous Okrug.

Ingosstrakh IJSC

The insurance company Ingosstrakh has been operating in the international and domestic markets since 1947. During this period, Ingosstrakh from a modest management that is part of the USSR Ministry of Finance has grown into a solid company with an extensive regional network. Today it is the largest insurance company at the federal level and one of the leaders of the domestic insurance market in terms of both the volume of insurance premiums and the amount of payments.

Europlan Insurance Company LLC

Europlan is a universal car finance company. We work in three main areas: car leasing, car banking services and car insurance. Together they form a full range of auto finance services that we provide as individuals and companies. Clients of Europlan can easily and quickly purchase a commercial vehicle or a personal car on lease and credit, insure

VSK Insurance House (CJSC "VSK") carries out insurance activities since February 11, 1992 and currently occupies a leading position in the Russian insurance market. VSK is the largest all-Russian universal insurance company, it sells more than 100 types of modern insurance services.

Among the leading insurers in Russia at the end of 2012, our company ranks 11th in terms of financial indicators, 7th in CASCO insurance, 8th in voluntary health insurance, 7th place in travel insurance, 10th place in OSAGO insurance and 13th place in insurance of legal entities (according to the rating agency Expert RA)

LLC "Insurance company" Megaruss-D "

LLC "Insurance company" Megaruss-D "(until November 10, 2014 CJSC Insurance company" Megaruss-D ") was established in 1995 (certificate No. 059.349) and is currently under licenses Of the Central Bank Russian Federation SI No. 2877, SL No. 2877, OS No. 2877-02, OS No. 2877-03, OS No. 2877-04 and PS No. 2877 dated April 14, 2015 provides insurance coverage for 70 types of property interests.

Open Joint Stock Company "Insurance Company GAYDE" was founded in St. Petersburg in February 1993. The British were the first teachers, they also came up with the name of the Company. From the first day of its existence, the Company has been focused on close business cooperation with foreign partners, in particular, with the oldest corporation of insurers Lloyd’s of London. One of the results of this work

Thanks to the Avtolider7 company, any car owner has a unique opportunity to quickly sell his vehicle. To do this, you must submit an application online or contact the manager by phone. In the course of the conversation, all the nuances of the upcoming transaction will be clarified. Our organization works with individuals and businesses.

Auto insurance companies auction

Our service offers a commission sale of cars through a specially equipped area. It is not only convenient but also reliable. Today it is difficult to imagine more attractive sales conditions vehicle... During the auction / sale process, our highly qualified consultants will tell you everything about your car, put it in the best position, and will be able to offer many convenient sales schemes and credit programs. It will be enough for the buyer to have only 10% of the total cost of your car, and it will be sold on the same day.

Although the buyer may not pay the full amount, the seller will receive all the money as the company will pay the rest. Payment will be made in cash or by transfer to a bank account. We will gladly offer you pre-sale preparation of a car, deregistration, abrasive restoration polishing of the body, dry cleaning, underbody and engine washing, and so on.

For buyers, we also offer favorable terms of cooperation:

1. Insurance program.
2. Technical guarantee.
3. Additional services.

At the auto auction, potential buyers will be able to find vehicles from insurance companies, cash collection offices, various transport organizations, etc.

In order to participate in the company's program and sell your car, you need:

1. Fill out on the website or call the manager. Indicate the cost, brand and year of manufacture.
2. Arrange for the vehicle to be inspected by a professional appraiser. Meeting place and time.
3. Finding out the final cost of the car.
4. Conclusion of a commission agreement.

The company "Avtolider7" offers several options for sale:

1. Together with our consultants, the client determines the real price of his own car, which he wants to get his hands on in case of a successful sale. The car is put up for sale or auction. All other activities will be carried out by our employees - implementation, receipt Money and paperwork. All that remains for the client is to indicate the bank account number or drive up to the office for cash. The main advantage of this option is that the amount indicated by the seller remains unchanged and does not depend on the time spent, and the presence of the vehicle in the parking lot is not paid for throughout the entire period of sale.
2. The client leaves the car at the marketplace of our Autosalon in Severnaya with a note of the cost and pays for the rental of parking spaces and the work of our employees. The rest of the actions will be carried out by the manager of the company.

Such services are extremely relevant not only for individuals, but also for large commercial organizations, such as insurance companies. A car auction allows you to sell unnecessary equipment without the direct participation of the owner. We perfectly understand how important time is in the life of every business person, therefore, we have developed the most convenient options for cooperation.

The active selling system consists of:

• professional photographing of the car;
• continuous posting and updating of information about the car, until the moment of its sale;
• placement of advertisements for sale in print media and on the Internet resources of the capital and the region;
• professional approach;
• pre-sale preparation of the vehicle.

If you need help with buying or selling used cars, please contact Avtolider7.

Almost all modern companies have their own Internet portals that promote the promotion of goods and services provided to the masses. And from the moment the electronic version of the motor third party liability policy acquired the status of a legally legal document, insurance companies have launched new projects for its online sale with full legal support. The largest insurance company RESO-Garantia is a leader among competitors in the insurance segment, and was one of the first to issue and sell electronic OSAGO and CASCO policies.

According to the amendment to the law of 25.04.2002 No. 40-FZ, clients of insurance companies have the opportunity to apply for online insurance OSAGO, CASCO, which significantly saves time, since you can purchase an electronic policy without leaving your home. One of the first companies to provide this service was online car insurance RESO.

What is online car insurance from SK RESO-Garantia

This is a calculator program with the help of which everyone can calculate the total amount and monthly amounts of insurance premiums (or payments at a different frequency), as well as order a policy that has identical rights as an analogue issued in one of the branches of RESO-Garantia institutions.

Who can get electronic insurance

Any car owner, even who is not a client of RESO-GARANTIA, if he is not a beginner. Drivers who just got behind the wheel will initially have to personally contact the central office of the company. After the first official request, they can electronically apply for insurance under the general rights on the website.

How to arrange

You need to go to the official portal "e police reso ru", register, get a one-time password to your phone number and fill out a special form. All actions are accompanied by detailed step-by-step instructions.

Next, you need to enter passport data, information about the car, its market value, the region of registration of the car, select the appropriate program, insurance period, etc., after which you can get a full calculation of the amount for the policy.
After filling out the questionnaire, the data will be checked for some time, if approved, the client pays for the policy using bank card, enters his Personal Area and downloads the finished policy.

Some nuances to help clients

Many car owners are afraid to take out RESO online car insurance, preferring to visit insurance branches in person, and it is completely in vain. The electronic policy is no different from the standard paper version, at the same time, it does not cancel it and has an identical price. Additionally, RESO-GARANTIA provides a list of answers to frequently asked questions to help clients.

Helpful answers to common questions

• How to show the electronic version of the policy to the traffic police officer? Print and carry in the car.
• What to do if there are difficulties with data verification during the registration of the policy? Such cases are extremely rare, but if this situation occurs, you can arrange for home delivery or drive up to the central office.
• Is it possible to add a new driver upon renewal? Can.
• What if an Adobe software product displays “unknown” when verifying a signature? This does not always mean that the signature is invalid; more often, this program needs to be updated.
• Where to go in case of technical problems on the portal? To the technical support service on the site [email protected]

Car insurance through the Internet portal from RESO-Garantia is a convenient service that is completely identical to personal registration in offices. It allows you to calculate in detail the total amount and quickly receive a document without leaving the apartment. The dispatcher service works around the clock, in addition, it is possible to include a tow truck call in the insurance, discounts are practiced.

How to buy electronic OSAGO insurance online at RESO?

For everyone who is interested in electronic OSAGO insurance at RESO-Garantia, you can buy it online on the company's official website. According to many users and clients, the portal interface is somewhat difficult to understand, errors are constantly popping up, so it is necessary to clearly follow the sequence of actions that will be discussed below.

Instructions on how to buy electronic OSAGO insurance online at RESO-Garantia

RESO-Garantia is one of the largest insurance companies, carrying out all types of activities in this segment, including compulsory insurance OSAGO is in the first positions. For a better understanding of the entire procedure for issuing an e-MTPL policy, as experts recommend, you must try to carry out all the actions in another company, make a preliminary calculation of the cost of MTPL insurance. This approach will help you see the error and fix it in time. Considering the fact that the company's services are used by a large number of clients, the system may freeze, which does not always lead to the correct confirmation codes and other messages.

Registration on the portal

The new client needs to strictly follow the sequence of actions. Often, customers who first contact this insurance company confuse two concepts: buying and selling online. Therefore, when choosing the item "Issue an OSAGO policy" online, use "Renew policy on the Internet", even if you are performing the operation for the first time.

Then the registration is carried out with the indication of the real data about the driver. Do not forget to consent to the processing of personal information and the input of captcha from the picture.

Then you need to click "Check data". On the newly opened page, enter your username and password. The login is a phone number without an eight. Be sure to indicate the e-mail address to which the issued e-CMTPL policy will be sent. The password is invented for the login, but in addition a password is entered from the SMS message that came to the phone.

Click on "Register". Further development of events is possible in two scenarios: the user will be successfully registered or a window will appear indicating an error.

An error is not a failure to register. Registration, as a rule, is successful and you can enter the "Personal Account". The window with an error and the absence of confirmation codes via SMS may be due to server overload or inconsistency in the browser. As practice has shown, the best stable operation of the service occurs in the Internet Explorer browser. When such a window pops up, it is best to continue working the next day.

Registration of an insurance policy for OSAGO

How to correctly issue an electronic policy, for this you need to go to the "Personal Account". Next, enter your username and password, the system will ask for a one-time password, which will come in the form of an SMS message to your phone. Only after that you can go to the portal for further actions.

On the left we find "Issue a policy" and click LMB.

For the clients of the company who had OSAGO, a complete list of documents is immediately opened. If you have a policy with a valid term, you can click on "Renew" in the last column. At the initial registration of insurance or an overdue period, you must enter all the data in a special form.

If the OSAGO policy has already been drawn up in any other company, then you need to make sure that the data match, since the old information is saved in the PCA.

Attention! In case of loss of a driver's license, the date of the VU means the date of issue of the primary documents. A number diagnostic card see reverse side in notes (21-digit number).

After filling in all the fields, you need to click on "Calculate". A number will appear corresponding to the cost of the CTP policy. Then everything should be saved. At this stage, a window may appear indicating an error that did not pass the check in the AIS PCA. Why this is happening and what to do will be discussed later.

If the check is successful, a window will appear prompting you to pay for insurance with a bank card. If you do not complete it right away, then at 12 o'clock in the morning everything will be canceled, and you will have to go through the registration procedure again. After paying for the policy, a window will appear where you can download it.

The result is as follows

It is this document that must be constantly with the driver.

What to do if an error occurs: "Test failed in AIS RSA"?

Having decided to buy online electronic OSAGO insurance at RESO-Garantia, the user often encounters an error issued by the system that the information has not been verified in the centralized PCA system. The reason is that the entered data does not correspond to the information in the PCA database.

Main reasons:

• A data entry error has been made. An incorrectly entered one letter or number is enough. Some portals of insurance companies, if filled in incorrectly, immediately display an error.
• Discrepancies in any document, sometimes due to discrepancies in the Certificate of Registration and Title. If you already have a policy, then you should check all the points with the old document.
• The agent could have made a mistake during the previous registration of the OSAGO policy, and it is stored in the database. Contact Support. Such questions are considered within two days.

As you can see, there can be many reasons for the error. Most often this happens due to the discrepancy between the information entered by the motorist and the PCA base is an inaccuracy made by the previous agent. And if an error is found, after receiving e-OSAGO, you should definitely contact the insurance company and prove your case, thereby protecting yourself against accident case... You should buy a policy only if all information is entered correctly, otherwise the document may be invalidated. Due to the large number of questions that arise, the company has put them together in the column "Questions and answers to the OSAGO policy", therefore, before contacting the support service, study this section.

RESO-Garantia is one of the largest in Russia. Its branches are scattered throughout the country. Therefore, if errors occur during the execution of an electronic OSAGO policy, it is best to contact the physical office, especially if the inaccuracy has already been identified. Insurance via the Internet has the main advantages: to save your time, as well as to thoroughly and carefully check all the entered data.

How you can use the calculator for calculating OSAGO 2016-2017 from RESO-Garantia

The company "RESO-Garantia" is known for stable payments for insured events, which positively affects the confidence of customers. The OSAGO policy 2016-2017 compares favorably with peers of other companies in that it makes all payments to the injured party without the participation of intermediaries. In addition, it is possible to take out additional insurance, which allows you to compensate for damage to third parties. To find out the cost of the policy, you can apply the calculation of auto insurance using the 2017 calculator, which is located on the company's website.

Features of issuing an OSAGO policy 2016-2017 using an online calculator

Many companies offer to calculate OSAGO, including the RESO-Garantia company, however, it still provides direct compensation for damage. Insurance payments produced within seven days. At the same time, the organization's clients do not have to deal with an accident with other insurance companies. If there were only two participants in the accident and property, not people, was damaged, then a simplified version of registration without the police is provided, which saves time and nerves.

To do this, you need to contact the insurance company for an MTPL policy in advance. To go through the registration procedure, you will need a passport, technical documentation for the vehicle, a driver's license and a previous insurance document. Then, on the website of the RESO-Garantia company, you can go to the calculator for calculating OSAGO 2016-2017.

In order for the calculations to be carried out correctly, you must fill in all the fields in this program. At the end, the amount to be paid will be shown. The following are the items that need to be completed:

• It should be noted who is the owner of the vehicle.
• The type of vehicle is selected. Trailed structure must be indicated, if available.
• It is required to indicate the motor power.
• The term of the contract for the calculation must be indicated.
• The period of use of the vehicle also matters.
• It is worth mentioning the safety class. This factor can affect the receipt of the discount.
• The region must be selected by registration, as well as the settlement.
• It is imperative to indicate whether there have been any violations of the terms of the insurance contract.
• If the transport will be operated by different drivers, for example, a bus, then the item "no restrictions" should be checked.

To use the calculator for OSAGO, you need to go to the RESO-Garantia website. On the site you can read what requirements are put forward for the company's clients, as well as the necessary conditions and procedure for completing the documentation.

If you have any questions, then you should contact the company's employees who can advise around the clock. If the conditions and procedure for calculating compensation funds are clear, then you can perform an analysis required size monthly deductions. For this you need a CTP calculator.

After all the fields are filled in, the company staff will check the information provided by the client. When the check is completed, a message will be sent to the phone stating that the check has been completed. And also a password will be sent to enter your personal account on the site.

In addition, information on existing contracts will be provided. In this case, the document can simply be extended.

After all the work is completed, you will need to pay the bill using a bank card. Then you need to go to your personal account, download the finished document and print it.

What affects the cost of the OSAGO policy

The following factors affect the cost of a motor vehicle liability policy:

• Transport power.
• Purpose of application.
• Region of residence.
• The number of persons who can drive this vehicle.
• Seniority and age.
• Seasonality of application.
• The number of insured events in the previous period. If there were none, then the cost will be lower.

With the right approach, you can very quickly carry out calculations and take out insurance with a company using a calculator. If desired, delivery of the document can be ordered to your home. RESO-Garantia provides complete information on the services provided.

How to correctly calculate CASCO from IC RESO-Garantia: using a calculator

A car is not only a means of transportation, but also a source of a certain risk, which is why the owner needs to insure his vehicle. Choosing insurance from RESO-Garantia, you can calculate CASCO in a simple way. What will be the price of auto insurance, you can find out using a special calculator on the company's website.

Benefits of insurance in the RESO-Garantia company

Buying CASCO is a guarantee against theft and damage to the vehicle. The insurance policy allows you to restore the vehicle in special authorized means.

CASCO provides insurance for any vehicle against damage, fire, theft and natural disasters. In this case, it is assumed additional insurance passengers and drivers from accidents. This protective mechanism allows you to expand some of the capabilities of OSAGO.

The RESO-Garantia insurance has certain advantages:

• Payments are made without a certificate from the traffic police.
• Payment by installments is possible, while the cost of the policy does not increase.
• Providing special discounts for regular customers.
• The ability to use a calculator to calculate CASCO.
• A special option that provides full cost recovery in the event of a vehicle theft.
• You can buy a policy at any branch of the company or make an online order on the website.
• If it is necessary to extend the document, a deferral of 15 days is offered, during which time you can pay a fee.
• Choice of payment methods in the event of an insured event.

IC RESO-Garantia offers its clients an additional program Resoavto, according to which you can evacuate a car, call an emergency service or call a specialist in the event of an accident.

How to calculate CASCO

To find out the cost of the policy, you can use the CASCO calculator or contact the nearest office of the company. If, nevertheless, the car enthusiast decided to calculate the cost online in 2017, he needs to enter the following data:

• Vehicle characteristics.
• Insurance conditions.
• Driver data.
• Liability and Conditions of Reimbursement.
• To complete the calculation, you must enter the period for which the policy is taken. The name of the previous company is indicated, and information about the owner is also entered.

You can pay for insurance both immediately and in equal installments.

In a situation where transport is pledged, it is necessary to designate the institution in which it is pledged. In addition, indicate the type of car, the year of purchase and manufacture, as well as the mileage. It is imperative to indicate the people who may be admitted to management. It is required to fill in the driver's experience and the presence of anti-theft devices. It is also important to choose the type of payment for potential repairs.

If you select and execute a profitable version of the program in a timely manner, you can fully compensate for your losses in any unpleasant situation.

CAR-TOTAL from RESO-GARANTIA: registration, procedure for participation in the auction

"KAR-TOTAL RESO" is an innovative development of an insurance company, designed to sell the remains of cars that belonged to the company's clients. An online auction is available to anyone who has registered on the site. In order for users to get answers to questions about the work of the auction, it is possible to send a letter to the address [email protected] by noting in the topic "FAQ".

How to register on the site

Auction "KAR-TOTAL" from "RESO-Garantia" is available only to registered users of the site. You need to go here and click on "Register":

A form will open that must be filled out:

All data must correspond to those indicated in the passport.

To complete the accreditation, you must present your passport at the office (in Moscow or St. Petersburg). The second option is to send to [email protected] from the address indicated when filling out the form, scanned color pages containing personal data and information about the place of registration. To complete the registration, an employee of the company contacts the client by phone.

If registration is successful, you can view the site on the website or visit the parking lot (during the auction once a day), inviting a friend with you who has a passport with you. There are only two parking lots: on a highway passage in Moscow and in the Vsevolozhsky district of the Leningrad region.

How does the "CAR-TOTAL RESO" auction work?

Each lot has a minimum cost and step. The auction will become available after the lot is selected and the application is submitted. Terms and conditions notices are published separately for each lot on the company's website (in the "Auctions" section). Before replacing a bet, each participant can inspect the lot in the parking lot (the address is indicated on the card). When placing a bet, you must take into account that the increase must correspond to the step. You can refuse further participation, provided that the rate is not the highest and not the second.

The auction ends the moment someone offers best price... If there is no time to participate in the auction, you can set the maximum cost and step to the system. Offers will be generated automatically. Lots for which no bid has been offered are reduced in value by 20%.

The winner is the participant who offered the highest price. If it is lower than the one set by the seller, the winner and the participant who offered the second largest bid are offered a buyback at its price. If the winner refuses to buy, the second participant can purchase the lot.

Payment for the lot in cash or by bank transfer must be made no later than 3 days after signing the contract. If the winner refuses to pay, the account will be blocked for six months. It is necessary to take the vehicle out of the parking lot within 3 days (counting from the date of payment). If the deadlines are not met, a fine is charged - 500 rubles. per day.

Auction is an event, the prices for which are formed depending on the damage to the car. The advantage of RESO-Garantia is that it is possible to inspect the lot in the parking lot. This reduces the risk of acquiring the vehicle damage, which is higher than those declared by the organizer.

Conclusion

The RESO-Garantia insurance company stands guard over the safety of life and health, vehicles and other equally important points. Convenient programs have been developed for the car enthusiast, with the help of which he can easily find out the cost of an OSAGO or CASCO policy, purchase it at the office or online, and also purchase a car by participating in an auction.

Acquisition wrecked cars contemporaries are not new. In fact, for craftsmen, this is a way to purchase a practically new car at a price literally reduced to the cost price. Such a unique opportunity today is provided by the auction. For those who are unfamiliar with this method of acquiring a broken car, we will explain the essence of the event.

What is the Rosgosstrakh auction?

First of all, it should be said that the cars are exhibited on the Internet resource. The Rosgosstrakh car auction is presented on the official website of the company https://auction.rgs.ru/login.

For a complete understanding of the event, we will try to reveal all the stages that a broken car goes through.

So, the law does not prohibit insurers from buying cars in disrepair from their clients, just as their subsequent resale is allowed. And the auction of broken cars from the Rosgosstrakh insurance company is the official way of selling them. So, the car of its client that got into an accident evaluates and redeems it according to residual value, becoming the full owner of the car.

Information for those who want to sell an emergency vehicle to an insurer. So, in order for the insurer to agree to purchase a car, its owner must have:

• The whole package of documents for the car;
• Not purchased on credit or leasing, that is, not to be pledged;
• Is not wanted or under arrest;
• The owner of the car must not be subject to criminal investigations or legal proceedings.

So, if the client and his car meet these requirements of the company, then the insurer may well consider an offer to buy a broken car.

The owner of a wrecked car, selling it to the insurer, not only relieves himself of solving such troublesome issues as repairs, but also has a guarantee that he will receive the funds immediately and in full.

The owner of a wrecked car, by leaving a request on the company's website or immediately after the accident, can:

• Deliver a car for assessment yourself;
• Or call a specialist appraiser of the company to the place of storage of the emergency vehicle.

In the second case, the appraiser arrives at the parking lot of the car, draws up the appraisal documents, after which the owner, at the expense of the insurer, transports the car to the place indicated by the insurance company. These costs will be deducted from the amount paid for the car.

The realizable value of an emergency vehicle depends on its brand, modification, and also on the characteristics of the damage. In general, Rosgosstrakh: the auction of wrecked cars offers wrecked cars in a wide price range: from expensive cars to cars of average value.

When purchasing such a car from an insurance company, it makes sense to contact an independent expert or appraiser in order to determine the nature of the damage and the real cost of the car. It is not uncommon for companies to overstate the cost of cars rebuilt after an accident, and repeated repairs in the future can amount to up to half of its realizable value.

How does the Rosgosstrakh auction of broken cars work?

The auction is an Internet resource, on the main page of which a list of brands of cars of domestic and foreign auto companies available for purchase is presented. By the way, on the site you can buy not only cars, but also components - usable spare parts and parts removed during the disassembly of broken cars. This service allows you to purchase a car for further analysis. It is noteworthy that the site is popular among the owners of rare cars and cars that came off the assembly line in "small circulation".

Procurement of spare parts for such machines can be a big problem. Sometimes they have to be ordered from the manufacturer. And on the site there is always an opportunity to purchase the necessary part at a reduced cost, taken from a "fellow" who got into misfortune.

Features of registration of the auction participant

To start viewing a car, registration is required. It should be noted that this is not just a site organized according to the Avito principle - it is an auction, which means that registration is quite voluminous in terms of the amount of information required to be indicated.

1. First of all, you need to determine your status: private or legal entity. Next, indicate contact and passport details, attaching copies of them. For legal entities, it is also necessary to upload copies of constituent documents.
2. In addition, a start-up deposit or security payment is required for the auction participant.
3. In this case, the organizer of the auction checks the specified information and sends an electronic notification of admission to participate in the auction.

Without explaining the reasons, the organizers can deny access, as well as restrict it in the future.

Working with the service

The personal account gives him the opportunity to view the "lots" - the cars and components sold, as well as to place bets, while its size cannot be lower than that set by the organizer or another participant who has already made a bet. Bidding for each lot lasts no more than two days. The organizer can extend the terms of the auction at its discretion. In some cases, the lot can be withdrawn from sale after the auction. The winner is the one who offered the maximum bid.

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For some time now, insurance organizations have a new direction of activity: the purchase of cars that have gone through an accident, their restoration and sale. Broken car auctions from insurance companies are an opportunity to make a deal that will be beneficial not only to the insurer, but also to the car owner.

The sale of his car by the insurance company, which after an accident is in a deplorable state, will help the owner to quickly earn a certain amount of money on it. Insurers readily buy up iron horses with damage of any severity in order to then put them up for sale. A wrecked car is definitely not a popular commodity, but there will always be buyers for it. Cars put up for auction are sold, as a rule, within a few days.

Why would anyone want to buy a wrecked car? There are several options for using it:

1. Some vehicles can be restored and continued to operate. If a car is bought for this very purpose, you should first show it to a mechanic who will be entrusted with the repair.
2. Cars that cannot be repaired after an accident can be disassembled into parts so that they can then be sold or used for your car. In this case, you should inspect the surviving parts and roughly calculate their price. The purchase must pay off.

If insurance organization intends to purchase a vehicle after an accident from its owner, an appraiser enters the work. It determines the residual value, which is then paid to the owner.

There are two main conditions, without which no insurance company will enter into a deal:

• the owner of the car should not be under investigation, and his vehicle should not be pledged;
• the insurance company must be presented with a full package of documents, namely:
  1. Vehicle passport;
  2. Car owner's passport;
  3. Car registration certificate;
  4. All sets of car keys available.

In some cases, a technical inspection ticket may be required.

Of course, after the completion of the transaction, the rights to use and dispose of the vehicle are completely transferred to the insurance company.

How the residual value of a broken car is calculated

Since a modern car is a very complex machine, which includes, among other things, electronics, electrics and all kinds of complex mechanisms, in calculating the residual value of emergency vehicles, the participation of not only an appraiser, but also other specialists is required.

What is the calculation process?

1. First, the real value of the car is established, as if it were new and in perfect condition. In other words, you need the market value of the same specimen, but in its original state.
2. Further, the amount that will cost the restoration of the vehicle is deducted from the market value.
3. The last step is to calculate and subtract vehicle wear, depending on parameters such as service life, mileage, etc.

If the car cannot be repaired after an accident (the repair will be too expensive or there are no necessary spare parts for it), then the cost of the usable leftovers (the remaining parts that can then be resold) is calculated.

How to buy a car after an accident from an insurance company

There are three ways to purchase a wrecked car from an insurance company:

1. On special sites. This is convenient because you can buy the product you like without leaving your home. At the same time, it is also a risk: without visual inspection, some nuances may remain behind the scenes.
2. At special sites. Here one cannot do without the personal presence of the buyer, but the goods can be examined from all sides, touched and even climbed inside. Consultants will kindly provide information on the vehicles displayed. You can also ask them all your questions.
3. Through auctions. There are several auctions of broken cars in Russia, some of them have been functioning for quite a long time and have a sufficient number of reviews. A car auction is carried out as follows: an insurance company puts up a lot for sale with a starting price, and potential buyers offer their terms of purchase. Of course, of all the options offered, the seller will choose the most profitable for himself: the lot will go to the most generous one. Auctions are available to both physical and legal entities... It should be noted that in order to participate in the auction, you first need to register and make a security deposit.

By the way, you can buy from insurers a car that has not just been in an accident, but also after theft. There are often cases when stolen cars are found after some time, but insurance for them has already been paid to the owners. These cars are put up for sale. Moreover, even if they have less damage after an accident, they can cost a whole third less than just broken cars. Of course, insurers fully prepare such cars for sale, saving future owners from any possible problems with the law.

Nevertheless, if, as a result of the concluded transaction, the buyer has any reasonable claims against the seller, he may apply to the court with a statement of claim to protect his rights.

Despite the fact that insurance companies carefully check the cars they buy, you can additionally secure yourself at the stage of concluding the purchase and sale agreement by asking to add a condition regarding the legal cleanliness of the car to the item "Seller's Warranties". Then, if this condition is not met, the contract will be automatically terminated, and all the money paid will be returned to the buyer.

Pros and cons of such an acquisition

What are the advantages and disadvantages of buying a car from an insurance company? Advantages:

1. A car restored after an accident is much cheaper than its counterpart from a car dealership, but it will serve its owner for a long time and reliably. Of course, provided that the repair was carried out efficiently.
2. The insurance company checks the car for theft and the presence of the rights of third parties, and resolves all the questions that have arisen, which means that the buyer will not expect unpleasant surprises in the future from this side.
3. Sale of broken cars requires insurance companies to provide new owners with a complete set of documents for each of the cars being sold.

There are also disadvantages to such an acquisition:

• if the repair was not done too thoroughly, the machine may soon break down, and the breakdowns that open can be very serious, which will lead to significant expenses;
• Anyone who buys a broken car must make a complete diagnosis of the vehicle before using it for their own safety.

Sale of a broken car to an insurance company

If there is a need to save yourself from a wrecked car, you can seriously consider such an option as selling a car to an insurance company. Perhaps the amount raised will be slightly less than it could have been in the sale by ad, but the transaction will take place quickly, and at the same time the risk of running into scammers is completely eliminated.

First, the question of buying and selling an existing car should be discussed by phone. The positive result of such a conversation should be an assessment of the condition of the car by an expert from the buyer. You can bring the goods for assessment yourself (this will require some costs on the part of the owner) or agree on the arrival of an agent (then the insurance company will cover all transportation costs, but then deduct them from the money owed to the owner for the car).

If the opinion of the appraiser is in doubt, it is worth engaging a specialist from outside, who, not being interested in the results of the appraisal, will give his independent opinion.

It will also be necessary to provide the insurance company with the established set of documents and car keys. Inspection of the driver and the object of the transaction is carried out by the insurance companies themselves.

From the moment the vehicle acceptance certificate is drawn up and signed, the car ceases to be the property of its owner, passing into the possession of the insurance company. The sale of the car took place!

Buying broken cars can be the most profitable cash investment in several years, or it can turn into continuous problems and disappointment. To increase the likelihood of the former and, if possible, avoid the latter, you should only enter into a deal with a trusted seller.