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Главная / Недвижимость - Новости  / Самые интересные

Как умирают страховые компании

2.09.09  
Officials are studying the situation in the twenty insurance companies. They say - there serious problems with finance.
What do you think? say
Company fails to pay compensation, because they have holes in reserves. And while dumping to new customer payments pay off debt. However, this depletes even more companies. And it can lead to bankruptcy. Without a license, but with the obligations Yuri Baker was not lucky: his insurance company selected the license. Previously, she nodded to the crisis, is now generally ignored his client. Compensation Yuri has been waiting for four months. "For his own expense, I can not repair already do not work, I live in a retirement - disabled the second group. But insurance also does not give money, "- says the car owner. Such as Yuri - thousands of them. Financial Services Commission since the beginning of the year selected license - permanently or temporarily - In more than 20 insurance companies. Officials promise to continue to clamp down on those months is a debtor to its customers. The next step - a few large companies. Market leaders err dumping. Rather than build reserves for future payments due to payments received - at times lower price policies, to lure customers away from competitors. For clients insurance companies selected license essentially changes nothing. Such a financial institution can not sell policies, but pay for existing agreements - Obliged. But given that insurers and in a satisfactory financial able to voluntarily pay - Financiers advise people serve immediately in court. "We tried with some companies at the beginning, 4 months ago on personal contacts knock indemnity. Now, insurers flatly refused to pay. Therefore, all questions can be solved only through the courts, "- says the insurance broker Ibrahim Gabidulin. Moreover, sue a better place, even if the license taken away temporarily. As a rule, Such companies will soon declare themselves bankrupt. Without the right to sell policies they mostly can not align their balance sheets. A sold to investors impossible - without a license, such institutions are not interested in anyone. No assets - no talking for more than 30 financial institutions owe its customers more than 190 million hryvnia. Economists say the majority of owners of insurance companies, sensing the financial collapse - have begun to withdraw money out of institutions, accelerating their failure. State Regulator throws up his hands: the parliament is not allowed to deny insurance to register new company. Namely, they almost went bankrupt insurers transferred assets leaving the old office of debt. And perfectly legal. Deputies have the same own position - such moratoria hinder free enterprise. Therefore, despite the economic downturn, the Financial Services Commission, and further records new institutions. In fact, only 40 of more than 400 insurance actually sell policies and conduct payment, say financiers. Others - there are only on paper. But plenty of other ways to legally withdraw money from the company. For example, a financial institution is divided into two allegedly related companies. And one of them, concentrating all the debts owed to clients and creditors. But the most common way to hide the money - to insure a dummy risk for a large amount and then pay it as compensation. In any case, the clients of such insurance will be left without money. Go to law it makes no sense, because the company has no assets or funds. A Guarantee Fund payments, such as banking, the government has created. Therefore, the financiers are advised to monitor the affairs of their insurance. According to Vyacheslav Chernyakhovsky, head of the commission of the Ukrainian Society of Financial Analysts, the one who gives before the court and be able to quickly get an executive letter, still have time receive any payment from the company. However, this need to be involved good lawyers for a lot of money. Interim Administration will not help Stop the conclusion of assets and bankruptcy officials also are considering by the National Bank - through the introduction of temporary administrations. Financial Services Commission has appropriate licenses pulled twenty former executives of insurance companies. As conceived by the regulator, the new management of troubled banks and the debt must pay, and financial holes to prevent. Candidate number one - Institutions do not yet have large debts to customers. But started delay in compensation. Such is now the one out of four insurance company. According to the head of an Internet project on Insurance Timur Shakirov, it will be the company with the Ukrainian capital, which is very aggressive entered the market: dump, pay high commissions to intermediaries. And also those who are guided by high-risk types of insurance that is CASCO. Insurers are also skeptical about the idea. They say banks interim administration has not been saved. Moreover, unlike banks, insurance companies will not have a moratorium on the payment of refunds. Accordingly, reserves to patch the new leadership may also have ... delay in payments to customers. Circle. However, most Financiers say the temporary administration will introduce soon. By legislation - to force officials can not put new leadership. Only with the consent of management or owners. "In addition the procedure introduction, what duties they will perform - rather blurred and clear Definitely not, - says the financial analyst, "Prosobank Consulting" Vladimir Payuk. - Also, there is no experienced managers - no one insurance so way is not rescuing. " Plus - Financial Services Commission director appointed be too dependent on shareholders. Because of existing norms Salary he will pay it they, rather than a regulator. Selling clients. Inexpensively However, the market is looking for ways to save your from bankruptcy. One of the most options discussed today - selling insurance policies. If the company not be able to pull future payments - to pay such portfolios stable colleagues. This is mainly on the obligations of health or a car insurance. There's every second insurance event - with big losses. Therefore, so the seller avoids the costs of settlement of these events and be able to reduce staff of the workers, said Vyacheslav Chernyakhovsky. The buyer also gets new customers. Overbought customers ubutki will reimburse the new company already. When the insured event occurred to renegotiation of the contract - payments are likely to remain still financial institutions. Only now are willing to sell until more than willing to buy. Insurance arrangements are going to pay for several companies. But from hand to hand no one has yet hit. After the financial problems experienced by all. In Either way the process of buying insurance portfolio may be delayed. Because According to financial analysts the company "Prostobank Consulting" Vladimir Payuka, this procedure can take place only with the consent of the owners and managers of this company, and all of its customers - as insurance contracts will renew for another insurance company. " Your insurance bankrupt? Then you're in luck! Empty cabinets and desks, on the floor - Stacks of folders with papers on the walls - is already inactive license in the beautiful framework. A year ago, the company 'Professional Protection "wanted to buy for million dollars. Now, the liquidation committee to work selling property bankruptcy to pay off creditors and customers. But most importantly, that there is to sell, says the commission. The owners of assets are not taken out, so that customers have, to hope for. Paradoxically, but it is a bankrupt easier to knock out the money, say financial experts. The property and funds companies imposed a moratorium. Therefore, if the owners have not brought assets - they do not do it. All will be divided according to the law: first calculate with clients of insurance companies, and only then - with employees, creditors and the state. Moreover, if the client does not have time to take advantage of insurance policy - it receive a portion of the amount paid for it. Irresponsible avtograzhdanki The situation with the liability insurance of car owners - Ambiguous. On the one hand, the bankrupt company to pay the reserve Fund Motor Insurance Bureau. Recently, even the union announced its intention to to take the compensation and for companies that only selected license. In order not to lose people's trust. However, on the other hand, Market participants say the money at least enough bankrupt. Now the problem experiencing every fourth company, which insures responsible drivers. They say policies are very cheap, and costs - are significant. But if you go bankrupt several large institutions - money reserve fund for the payment of customers not enough. How to recognize a dead man? Financial experts advise people than ever to carefully choose an insurance company. It is said to recognize institution on the brink of financial collapse - no need to be an economist. Enough to draw attention to some obvious signs. According to Alexander Zaletova, Deputy Director General of the League of Insurance Organizations Ukraine, should arouse suspicion following: - Insurance delaying payments to their customers for more than a month. - Company tries at all costs to sell you a policy - offering low fares, does not include your insurance history (accidents, pain, etc.). - Branch agencies are often moving, and workers - change. - Reports of gains, losses and assets of the insurer not been made public - not the company's website, or other professional resources. "But most revealing is to reduce the cost of insurance compared with the average of the market, - says Alexander Zaletov. - When the hull, for example, 6-9% of the market, and you offer a 3, and 5% on the same terms as the in other companies. " Dumping the company tries to quickly build client payments - to replenish the reserves shoaled. It means to finance it not everything is in order.

 

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