Features of national car insurance

January this year was unusually warm, so the roads were often tightened with ice crust. He posed a particularly dangerous threat in the morning - hardened overnight and powdered with a thin layer of snow. By lunchtime the ice was losing its virgin purity, covered with scratches and softened under the meager winter sun, but in the morning its surface could render useless even the sharpest thorns.

Artem always went to work at six. In the courtyard at that hour it was still dark. Having started the engine for warm-up and sweeping his swallow - bought just a few months ago Chevrolet Cobalt, - Artyom turned on the radio and, not hurrying, headed for the exit from the yard.

The dark Opel Corsa sprang from around the corner, as if driven by a gust of wind. But Chevrolet Cobalt Artem for some reason was surprisingly cumbersome and unwieldy, for a few seconds literally ceasing to obey the helm. These fatal moments were enough for the Cobalt's right headlamp to crash into the right rear wing of Korsa with a crunching crash, crushing it and half separating the rear bumper from the body ...

And how smoothly it all began ...

When you have a new car, do not really think about where to repair it ... You think about anything, but not about the upcoming repair of Chevrolet. The notorious law of meanness, meanwhile, makes fate at its own discretion. Well, there is nothing to be done, it is good, although the consequences of the accident were not too heavy. In any case, both cars remained on the run. But repair, nevertheless, was necessary, and so - it was required to legally formalize the fact of an accident.

The same day, both car owners, who had suddenly become friends in misfortune, went to the insurance company to get money for repairs. The amounts were not very large, so they hoped for the efficiency of the work of auto insurers. Moreover, the company, whose services they used, was quite eminent and authoritative. Such, as you know, do not make customers wait.

So the insurance company manager told them the same thing. In a well-placed voice, he assured them of his deepest regret and his readiness to do everything in his power, so that both Artem and Oleg as soon as possible again sat behind the wheel. His clean eyes and impeccably smoothed shirt collar did their job - the men left the office literally winged.

The first vague doubts

Meanwhile, they did not receive any directions for repairs, neither tomorrow, nor the day after tomorrow, nor in another day. The cars of both motorists, as already mentioned above, were in a working condition, but they could not be exploited. I had to fully enjoy the joys of public transport and even sometimes a taxi.

When the first week passed, Artem and Oleg began calling the insurance company every day, but there it turned out that they worked grated guys, who, bypassing entreaties and threats by the ears, politely told the customers about their unprecedented workload and simply titanic efforts to find suitable car-care center services . Faith in memorized phrases, meanwhile, faded with each passing day.

The next visit to the office of the insurance company, as expected, did not bring repair to an iota. Again those same sympathetic faces, again honest eyes, again promises, again the unpleasant sensation of wasted time ... After ten days, Artem realized that this could not continue any longer. The machine was necessary to him, and it is necessary in the near future. Something had to be done immediately!

Salvation drowning - the work of the drowning themselves

Having learned the information from friends, acquaintances and colleagues at work, Artem began to think about how to apply to an organization that approached the issue of repairing emergency vehicles more responsibly. After hearing a few stories and making sure that a happy ending is still possible, he finally decided to hand over the body repair of the car company GMSKLAD.

But the owner of Opel Corsa Oleg, who, by the way, showed himself to be quite a balanced guy, having perceived the accident stoically, refused to experiment. He felt that it was better to go the familiar path, beaten by many thousands of unlucky drivers to the path and entrust his vehicle to the insurance company.

On this their ways parted. Artem submitted documents to GMSKLAD, Oleg remained humbly waiting for news from the managers of the insurance company.

Professional approach to car insurance

On the recommendation of GMSKLAD employees, Artem turned to an independent examination to conduct a professional and full assessment of the damage caused to his car in an accident. After this procedure, he had all the documents necessary to receive compensation from the insurance company. Recalling the two hopeless weeks of ordeals, he even could not believe that experts are able to work so quickly. Afraid to maleficiate, the man did not allow himself even the slightest manifestations of joy, although inside all he sang uncontrollably!

In accordance with the rules of GMSKLAD, Artem has made a professional selection and calculation of necessary spare parts. Using the service GMSKLAD, he ordered the body parts necessary for him, independently checking their quality. Compared with repair through an insurance company, it was also a big and obvious plus, because the owner of the car knew what he was paying money for! Unexpected for Artem was the proposal from GMSKLAD to use the credit system for the payment of spare parts.

In order to proceed to immediate repair, Artem had to choose again. At this time, employees of GMSKLAD offered him addresses of car-care centers, from the whole list of which he identified the one that was closer to home. This man is also pleased - he stayed with the insurance company, his opinion no one would have asked. In this case, the selection of car service for him would be engaged in smiling managers, and they no longer caused Artyom confidence ...

It seems that the matter has moved from a dead center!

And then came the long-awaited and exciting day, when Chevrolet Cobalt was due to start repairing the lonely for the third week in a row. Artem overtook the damaged car in the car-care center he had chosen, GMSKLAD informed him that spare parts were also delivered for repair.

The whole next day Artyom literally flew, performing his usual work with unprecedented enthusiasm. An unexpected call to the mobile came when our hero was already preparing to go home. They called from the car-care center. His heart pounded unpleasantly, and his breath blew - Artem expected bad news, being accustomed to that very life. But this time everything went in a different scenario.

It turned out that he can pick up his car tomorrow. Tomorrow! It was something unimaginable. The repair was done a little more than a day, taking into account the painting! Artem refused to believe what he had heard. However, he obviously did not suffer from auditory hallucinations, which means that tomorrow he will again be a full-fledged participant in the traffic!

Again on wheels!

Picking up his car, Artem learned that the car repair service had made him a repair at a discount of 20% of the cost of the services of professional locksmiths and painters. And this is pretty good money! It remains only to call in the insurance company to receive compensation.

Having on his hands the documents of independent expertise and car service about the work done, Artem immediately rushed to the UK. There, the submitted documents were perceived suspiciously, especially when they saw the terms that were required for the repair. Despite this, Artem assured that the money will be transferred to him in the soonest time and no longer detained.

As practice has shown, the concept of "early time" can sometimes acquire completely unrealistic incarnations, stretching for infinitely long weeks. In the end, Artem still got the money due to him. Money came to his account in a month and a half. Apparently, the insurance company very carefully checked checks and receipts. A pleasant surprise was that the cost of repair was less than the amount of insurance company's compensation.

For those who have nowhere to rush ...

And what about Oleg, how is it going? Alas, not so good. The insurance company picked up his car service only at the end of the fourth week. I picked it up, apparently, in my own image and likeness, because I was obviously not in a hurry to hurry there. A week later Oleg's car was transferred to another car-care center, since the first insurance company did not agree on price.

The second car service was also not in a hurry with the repair of Opel. Oleg's calls were answered there that until they had settled all the issues with the insurers, but tomorrow they will start repairing. Such "breakfasts" the poor fellow had to "eat" a lot until one of the sunny days, and it was already the beginning of March, when there was no ice on the roads and at the same time, Oleg was not informed that his car was ready.

At the same time he did not explain anything and did not provide any reports - just put before the fact. Exhausted by waiting, Oleg immediately called a taxi and went to the other end of the city, where he was a small, unknown to him car service. He returned home already on his wheels, but for some reason he did not feel the joy of the special. There was only a feeling of heaviness falling off his shoulders and a viscous emptiness ...

In the end, as it should be, morality

Morality is simple: in our time the client wants to have the widest possible choice and make his own decisions, so progressively oriented companies give him this opportunity. Forcing and imposing services in any form is not in vogue today. This is the first.

The second concerns time, or rather, its value. And not only is the time of the company valued, but also the time of the customer. To force a customer to wait is not just not good - but absolutely unacceptable, although this, for the present, is not known to very many insured mourners.

Third, consider the organization of the process. The modern company is distinguished by the desire to rationalize its activities. Work in the old manner is no longer possible, you need to improve, and not "store the tradition."

And, finally, the fourth. Transparency of work is something that attracts customers, because it causes trust. Companies of the European class do not hide from the client the subtleties of their work, rather than relieve him of feelings about ignorance.

The comprehension of the experience finally confirmed Artem in his decision to use the services of GMSKLAD whenever he again finds himself in an unpleasant situation on the road and will need a car repair service. After analyzing his story, our hero realized that it is necessary to choose only the modern, and even better - the advanced, because it is always more convenient.

But he did not change the insurance company, rightly suspecting that slowness and disdainful attitude towards the client today is not she alone ...