Why state car fleets need insurance expertise: the experience of the Smolensk region
Recently it became known that the government of Smolensk region has concluded a contract of liability insurance for drivers of its car fleet. 149 vehicles used for official purposes are protected by MTPL policies. Such a step allows minimizing financial risks in case of road accidents, but the question arises – is standard insurance sufficient for full protection of state assets?
According to statistics, the number of accidents involving official vehicles has been increasing in recent years. The main reasons are wear and tear of the vehicle fleet, overloaded routes and human factor. In such conditions, insurance alone may not be enough. Independent expert examination of the condition of vehicles and regular monitoring of their operation can significantly reduce the likelihood of accidents and minimize the cost of repairs and insurance payments.
How surveyors help public fleets and commercial vehicles
Pre-insurance technical condition assessment. To avoid inflated insurance rates, it is important to determine the real condition of vehicles in advance. Surveyors diagnose vehicles, assessing their wear and tear, safety systems and compliance with regulatory requirements.
Post-accident audit. Not always the damage to the car corresponds to the claimed insurance claims. Independent experts help to identify the true causes of the accident, determine the amount of real damage and avoid unlawful insurance payments.
Control of repairs after insurance claims. Often insurance companies send cars for repair to partner services, where the quality of work may leave much to be desired. Surveyors inspect the repaired vehicles, checking whether the work was done correctly and whether substandard parts were used.
Government agencies and large transportation companies using company vehicles are increasingly resorting to independent expert services. This helps not only to minimize financial losses, but also to improve road safety.
If your company needs to control the technical condition of the fleet, assess damage after an accident or independent expertise of insurance claims, please contact professional surveyors. We can help protect your business from unexpected costs and ensure reliable road transportation. Contact us for a consultation.
