Demystifying Car Insurance | Auto Repair | Rohnert Park, California
well ladies and gentlemen the agency repair phenomenon is something you need to understand to make an informed decision, it is an industry in crisis and more expensive certainly does not mean more value, however, this does not mean you can move forward with no repair coverage agency in any case let me tell you from the beginning Don t panic fine once you understand how things work everything becomes very simple, really.
When you buy your car insurance in the United Arab Emirates the insurer promises that they would take the financial cost of liability that arises in case of accident on the road, relieving you of this important exhibition hurray I love insurance However unlike most other types of insurance, the insurer does not write a check to the policyholder in the event of such a loss they would actually repair your damaged vehicle made themselves by one of their workshops affiliated Why Good question.
As there are over a million vehicles on the roads of the UAE, the car insurance market is huge because it is mandatory and this means that the volume of requests made to the insurance company after of road accidents on a daily basis is huge Since the insurance company is literally Footing the bill for all these accidents, they want obviously minimize cost and also avoid gaps in the system that can motivate fraud therefore, they work with garages that repair cars and have your car repaired for you, you can also take it as a value-added service for garages receive business from one source to know the insurance company in volumes very important, they can afford to drastically their rates because of economies of scale in addition, since the close of the company insurance for expenses incurred increases, they are able to be closely involved in the process to ensure that there is no waste, exploitation or fraud.
Now, another phenomenon that you must understand is that the authorized dealers, as in most countries, sell most brands of cars in the United Arab Emirates are each has only one distributor for either the country or at least to an emirate or group of Emirates Thus, for example, authorized dealers for Toyota in Dubai are Al Futtaim and Mercedes in Abu Dhabi Emirates Motor Company These organizations are not only responsible for selling you your brand new shiny car feels amazing, but also the infrastructure to repair the vehicle on a regular basis and repair the vehicle accident.
It is widely understood that the agency repair coverage is an extension of your auto insurance policy that guarantees that the authorized dealer of your vehicle will repair your car disaster means you are assured that the parts original and new parts usually the brand would be used to repair your vehicle and that they are responsible for all cars of this brand on the road they are familiar with the vehicle and the automaker generally tends to closely monitor their work for quality control in order to protect their brand name and therefore will be able to diagnose any problems well and then provide the best solution for your wonderful repair.
But this is only the beginning of the story, you must understand that there are two major problems regarding the repair agency both stemming from the fact that dealers have a sort of monopoly of their brands first instead, it is the cost of having repair coverage agency since repairs are much more expensive to the insurance agency makes sure they collect enough overall premium in order to be able to create a fund that adequately fund these repairs You usually pay a lot more for the agency repair coverage.
Second, it is time to repair any monopoly hard to give good service, it's understood as a basic principle of economics, it is common to hear stories of agency staff being inconsiderate, purely useless and slow due to the volume of work that they have the motivation key to this is that customers have nowhere to go for their offer what is true too, so that dealers are governed by the brands that they represent, the UAE is a small part of the global automotive industry and because changing a retailer places an enormous cost in terms of transition and reputation, we hear stories ever automobile companies decide changing agency that might actually create some competition and thus improve service.
To add to this, non-agency workshops are in a competitive market for them it is all about customer loyalty and their USP should be an exceptional quality of work and service rather than the brand name a German car brand or, in the case of poor places, the price is for this reason that it is sometimes surprisingly easier and more efficient to work with non-agency workshops.
In addition, several workshops have been set up by the leaders of the workshop of the organizations themselves, which means that the same systems and processes are executed; therefore the level of work is exactly the same as the agency for this car to allow the reputable insurance companies makes such workshops A-quality for their non-agency clients as a way of ensuring loyalty long-term customers Similarly, poor quality companies that offer cheap policies are working with poor garages, because they're cheaper Oh, it's so interesting.
Here Alfred basic rules the agency repair.
If your car is brand new, then you are supposed to have free repair agency with your full insurance coverage regardless of the insurance company that you are assured full stop.
If you have had no complaints before more than three years, you will be eligible for insurance from the direction of one of the major insurers that include coverage of repair free agency, as a reward for driving safely in this case it's free if you d might as well go well you can actually save money if you went to the norm rather than the cover of the direction you still get the bonus No complaint anyway so do look at both options and see if there is indeed significant financial implications.
If your car is not new, but under a warranty or extended warranty from the dealer, you d might as well go for the repair of agencies such as repair not the agency in case of accident can void the warranty.
If you go for a reputed company, tried and tested as an insurance partner companies refer, you would then guarantee repairs and we have ensured that the cars on non-agency coverage go to category A workshop non-agency again, your compensation would also be supported by a guarantee of 6 months to give you confidence that your insurance provider and workshop assumes full responsibility for their work in all likelihood, as these workshops are no monopoly type configurations, they would ensure that your repair is done quickly and to the highest standards so that they can save you as a customer for the maintenance of your vehicle you will not have to wait for weeks have your simple damage repaired right because the agency does not have time.
If you go to a shady insurance company that I would recommend t but I do believe in free will then you should at least choose the repair coverage agencies if they do offer this coverage if you want to ensure that appropriate repairs you do not want your Honda back to looking like a Camry or something or even worse, you do not want your car to sell for much less after the accident because of the quality and age of the parts used when was repaired after an accident or worst of all, you do not want your car to be a danger to your life and your family while you're on the road.
If your car is more than five years, it is unlikely that any insurance company offer a repair coverage of the agency and you do not really need, so stop grumbling and focus on it, you will be fine too long as you choose the right insurance provider.
Alfred is wonderful mascot marks the spot where you can find the best insurance deals in the UAE with a commitment to service claims, we only work with the leading insurance companies in the UAE such as AXA, Chartis Fujairah National Takaful and Salama.
If your car is more than five years, it is unlikely that any insurance company offer a repair coverage of the agency and you do not really need, so stop grumbling and focus on it.
Why is it that my five year less a day car is eligible for the repairs of the agency and the same car when it is five years and one day is not entitled to agency repairs why my car not really need and why should I stop grumbling.
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