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Сообщение от qwerty
Of course, no insurance companies are no experts for undervaluation not pay extra - the higher the score, the higher the premium received by the insurer.
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Well, the size of the insurance premium depends not only because of the appraised value of the thing, but the interest rate to the fees for insurance (I do not know exactly how they have them, it is called), but in a cartel of insurance companies that bid can be any of that everywhere we are seeing in the auto insurance market. They come that way - understate the cost of safety, in case something less pay.
In fact, judging by your words, the opposite situation also carries with it certain disadvantages. But when the insured event more likely to receive a full refund, although, of course, the insurance company will be hard to try to reduce the size of the payment.