When do you need insurance? What damage does it cover? Where can you get it and what influences its price? Such questions and many more can be of interest to any Romanian driver. That is why we present the most important aspects related to and, especially, practical issues that anyone can face. In this article, we will see what are the most common problems among drivers who shared their experiences on US-Reviews, but also how they were able to solve them.
What should you pay attention to when buying car insurance?
First of all, before choosing insurance, it is important to check insurance companies reviews. In this way, you can find very important information.
Drivers who drive cars based on motor third-party liability insurance and the basis of insurance should be aware ofcertain issues and know what rights they have as customers of those services.
Any car owner must enter into a motor third party liability insurance contract. The purpose of such a measure is to ensure compensation for damage caused to third parties if any.
Most of the time, drivers who drive on public roads are exposed to risk, being involved in traffic accidents caused by themselves or other road users.
It can happen that, just out of a little carelessness at the wheel, a driver can cause high-value damage and he has to pay for it. The lack of the necessary amounts would, however, lead to litigation, sometimes long-term and with high costs, or would attract other types of sanctions on it. Also, insurance is mandatory.
Car insurance problems
One of the main blows received by the insurance market since the onset of the economic crisis was the decline in car sales, which led to a decline in business in the car insurance segment.
Under these conditions, insurers must look for the most efficient methods to optimize their costs and resort to systems adapted to the new needs of the profile market.
Drivers who suffered damage as a result of an accident caused by a car with a policy issued by certain insurance companies face major problems in repairing the car, warns the association of car services. It says that the approved compensations are too small, and the damages are paid with long delays. Thus, customers receive too little compensation, which does not cover the real cost of repairs in an authorized service.
The most important thing, in order not to have problems with insurance, is to analyze the market very carefully beforehand. Opt only for well-known insurance companies, which are in full legality. Nowadays we depend more and more on driving, going to work or solving routine problems. We are always exposed to an accident risk that can cause significant losses for both us and other road users. To protect us from such losses, car insurance products have been created. However, they must be chosen carefully and patiently.