Liability CarIinsurance of an authorized auto dealer
by John Smith LearnerTraditionally, auto dealerships are associated with the concept of
insurance only in the part of the agency commission that they receive for
attracting private and corporate insurers when selling cars from their site.
They themselves rarely use car insurance of legal entities or responsibility for
the quality of work (coverage, according to rough estimates of insurers, does
not reach 10% of USA dealers, what to speak of regions). But I recommend you Aversoninsurance
No insurance - there are unplanned expenses
By
default (and status obliges), customers expect from such companies the
availability of liability insurance for the quality of services . But even
where it was announced in advertising, in fact it may not be. Otherwise, why
would dealerships most often ignore cases of damage to warranty cars during
servicing.
However,
according to some forecasts, in the near future the situation will change for
the better for customers of official workshops. Against the background of more
frequent incidents, information of which reaches the very top (car
manufacturers' factories), corporate auto service insurance soon promises to be
a must-have for Russian DCs (which for many years it has been for European and
American service stations).
Why DC seriously thought about their Car insurance
As of August 2019, as insurers note, the number of
inquiries and negotiations with dealers on the preparation of comprehensive
insurance of a service and a sales platform has grown at least three
times. Why? There are several reasons:
·
After
the recent crisis, the qualifications of DC employees have significantly
decreased (this business is so structured that it has to get rid of the most
expensive repairmen in order to retain the best sales people). With its
decrease, the number of car warranty accidents for which you have to pay has
increased. Employee liability CAR insurance in such a situation is considered
by many large companies as a necessity.
·
Not
only in shopping centers, but also in prestigious car dealerships, fires have
become more frequent over the past three years. Companies suffer huge
losses, are forced to turn to the head office for financial support, and look
for the culprits of the situations. All this time the service is idle, and
with Car insurance of legal entities could receive compensation and resume
work faster.
·
Only in
2019, three USA Car Insurance dealers of famous brands received a thorough “catch up” and
a fine from partners for the replacement of parts. Of course, liability
insurance for the quality of repair work would not save them from fines, but at
least they did not have to pay at least for new parts instead of those sold by
a careless car mechanic.
It is high time
The need for insurance support for car services -
repair units of official car dealers - has matured objectively. And
immediately a problem arose: many applicants for answers to questions about the
possibilities of affordable car insurance for a car repair shop simply do not understand what
they need to take into account in the program. Insurers do not have
ready-made “boxes” for either private service stations, even if they are
certified, or for dealers of automobile brands. That is, the protection
program must be formed individually. What should be included in it?
Dealer Integrated Insurance Checklist
To answer the question (without particulars), it is
necessary to disassemble the assets and liabilities of the insured, which may
be lost as a result of the incident. It is on them that insurance coverage
under a car service insurance contract should apply. This includes:
·
buildings
(classic insurance of commercial real estate or equipment, if it is a
prefabricated block);
·
expensive
electronic, hydraulic, pneumatic and mechanical equipment (equipment insurance
against named risks with a list of equipment);
·
entrusted
cars (there are two points of the program - the insurance of
responsibility for the quality of repairs and for ward
transport);
·
personnel
(the most difficult question regarding comprehensive insurance of enterprises
of any profile is insurance against employee fraud, it always consists of a
separate option at an individually calculated rate).
The algorithm of actions at the conclusion of an insurance contract of an official dealer of a car brand may differ. The policy is issued either with a preliminary check or without it (including online, through CA "GALAXY insurance" ). In any case, it is very important to compile an inventory and evaluate all objects of the insurance program that are placed under coverage. Here we, as the representative of the insured, are ready to provide competent assistance (by phone, email, chat or in person).
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Created on Dec 11th 2019 00:43. Viewed 290 times.