This is the worst insurance, aimed only at receiving money from the client. In case of an accident, you will NOT be able to count on a normal payment. You will be fed with the fact that when you are in the service, there will be a recalculation, but again, no
Damage assessment is done at the highest cost, but be prepared that if you have at least a minimum of other defects before the accident, the payment of damage to you will be the most minimal (example: scratches on the bumper, scratches on the headlight, broken PTFE fasteners - the cost of the repair they calculated is 550 rubles, but I found a minimum peeling of the varnish and payment it amounted to 119 rubles)
The question is why?? The answer is that our appraiser has decided so and he has a day off. We have norms, everything is according to the law. The most important thing is the appraiser's decision, he never makes mistakes and we will keep only this line.
I HIGHLY RECOMMEND IT!!!
They are not focused on the client, but on money. They make an assessment without a protocol from the traffic police, with hope for the future ...
There is a personal suspicion that there is a fact of corruption, otherwise how to explain the compilation of the assessment and the appointment of the culprit's finger without a protocol?
In general, I do not recommend it.