Hire A Private Tutor For The Sat Classes Palm Beach County

By Kathleen Reed

The Scholastic Assessment Tests (SAT) are standardized tests that are set for students who want to have admissions to various institutions. It helps to test the student writing and literacy skills which are necessary for their academic success. It will test the potential of the student in various areas of study. That is why if you have a child that is preparing for admission. It is critical that you get a tutor to help in the sat classes Palm Beach County. The tutor will be efficient to your child in a variety of ways.

They embrace the accountability of guiding and teaching your child. They closely monitor the tracks and progress of the student making sure that they remain focused. This is process not a one-day affair, and thus it needs persistence and continued preparation. These tutors know the student ability and thus will engage them in a level the student can comprehend.

Tutors ensure that students remain focused. Preparing for the aptitudes and assessments requires a lot of dedication. That means keeping aside all forms of distracters as a way of paying optimal attention to learn and get all that is required. The format and also content of these questions in most instances is specific, and the tutors will guide you on ways to keep focused on such questions. The scheduled plan will help you ensure that you cover all the available areas of work.

They can assess the progress of your student. In the course of that training, they shall provide a similar test to all the students that are similar to the real one. After the test, they also will mark the test exactly the way the examiner will have marked the test. Later they will provide your kid with the results if your kid performs well in the test they shall also perform well in the real test.

It amplifies the confidence of such a student. It is well known that most students fails exams not because they do not know the answers but because they fear to do such exams. The tutor will help you overcome the phobia for the exam and prepare you adequately for that day. With them around, your child might find know the strategies of approaching various questions without fear.

It improves the efficiency of students. There are ways you can approach certain challenges with ease and without the fear of failing. An experienced teacher understands the major causes of failure in such areas. Hence, they will come in handy when it comes to assisting you to get the best solution and strategy to approach the questions.

They improve the enjoyability of those sessions. It does not have to be that serious. Tutors have a way of making the classes fun and enjoyable. They will make it look like something you should look forward to having and hence becoming an easy task for you. This is one of these strategies they will use to reduce stress and phobia.

Hiring a private tutor is thus beneficial in ensuring that your writing speed, accuracy, and confidence are on point gearing you towards making it in your tests and academic life. These tutors amplify your chances of scoring a lot in the exam than revising personally for them.

About the Author:

We would like to share with you the easiest way you can join the next sat classes Palm Beach County area. Take the time to browse the website that appears here on http://www.collegecounselingconsultants.com/Services.html.

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How to choose the insurer that the insurance market is at risk

It is known that in 2015 in our country has begun routine "cleaning" the insurance market, which has led to the loss of the 70th insurers (17% of insurance companies) licenses. But stop in thinning "population insurers" The Bank of Russia does not intend to: according to experts, before the end of the year remaining on the market of insurance companies to 40% can lose the license. More precisely, of the 334 licensed as of January 1, 2016 135 companies are in the risk zone.

The main reason for revocation of licenses of insurance - the poor quality of assets. There is an overestimation of the real estate and other illiquid assets, showed a lot of assets was a sham. Not to mention the not dried up the flow of complaints from citizens, which raises the question about the quality of customer service.

The objective reality is that the next year should be expected to reduce insurers up to two hundred.

At the same time serious complaints the regulator there is a large system of insurance companies.

Withdrawal of license: Theory and Practice

Theoretically, a review of the license makes it impossible to conclude contracts, but is not a reason for the complete termination of the obligations of the insurance company to its customers. Moreover, the insurer under the law is given six months is for execution of earlier commitments.

But the practice is what it says: usually the time of withdrawal of the license of no fulfillment of the obligations it does not go as money for the insurer simply do not have accounts. Do not correct the situation and appeal to the court: an official bankruptcy proceedings the plaintiff brings the winner only a tiny fraction of the required amount (usually - of a percent).

The same fate awaits those who remain in the hands of the cumulative investment policy of life insurance: the accumulated return of the bank on the deposit amount according to the law, he can not, but can only take their place in the queue of creditors. A prime location just at the policy holders of compulsory insurance. Thus, the victims of the bankrupt company clients in CTP eligible for compensation from the PCA.

Something about the insurer's selection criteria

Needless to say, to choose the insurance company today is not easy. And no single recipe right there is no choice. But the idea is - though contradictory.

For example, in very different ways you can interpret indicators such as the ratio of fees and disbursements: a large gap can be regarded as evidence of underpayments and insurers - and a responsible attitude to business, taking into account the need to build reserves. Experts, however, are inclined to believe that a small gap between fees and payments always indicates the poor condition of the insurer Affairs.

More can be considered indicative of the size of the authorized capital (preferably more than 1 billion. Rub.), As well as the presence in the largest and most famous of shareholders, which is not likely to withdraw for a few weeks, all of the assets, leaving insurers with nothing.



Enough reliable indicator - ranking national and international rating agencies (NRA, "Expert RA�, Moody's, Standard & Poor's). Finally, the problem of insurers you can always learn from disgruntled customers on relevant forums.

Stricter requirements for insurers - for the benefit of policyholders

With this hard to argue: Purified insurance market will become more friendly to the customers. But while the situation is even worse than the bankers - because you can not rely even today on the five market leaders.

Because insurers must keep your finger on the pulse of events and react already at the first manifestations of instability - for example, in mass communications about insurance payments delayed. These are the realities of the day.

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4 Benefits Of Web Design New York Internships

By Arthur Williams

If you want to become truly good at something, you have to learn. For proof of this, all you have to do is look at the various men and women that have made careers out of web design. It's safe to assume, though, that they have taken part in web design New York internships beforehand. You should be thinking about taking up this opportunity as well. Here are 4 of the biggest reasons why you should do exactly that.

One of the reasons why web design New York companies support these internships has to do with the knowledge they can provide. For many people, hands-on experience is the best way to learn about anything, including the development of websites. As you become more comfortable in your role, bigger and more meaningful projects will be passed along to you. What will happen, as a result of this, is that you'll become more knowledgeable.

What about the connections that one can make during their time as an intern? Making friends is almost a given for any internship, but what about the long-term worth of these connections? It's entirely possible tha they can help you seek opportunities and find work, whereas they wouldn't be as easy to come across otherwise. This is perhaps one of the best incentives that your local fishbat Internet marketing company can draw attention to.

An internship position looks great on a resume, as companies the likes of Avatar New York can attest. Many people forget that internships count as work experience, which means that they are perfectly suited for resumes, regardless of how small they might appear. What this means is that employers are more likely to focus on your accolades than those of others. If you put in the work, your time as an intern will be more than resume-worthy.

What about the possible portfolio that you'll come away with once your internship is completed? Everything from general layouts to graphics that you have designed can be included in said portfolio, meaning that there will be quite a bit of variety. This will do wonders for you when searching for jobs. If you want to make it in web design, regardless of the job you're pursuing, a well-constructed portfolio makes all the difference.

About the Author:

For further details regarding what web design New York agencies can offer, visit Avatar New York today.

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Employment Insurance company: promising and profitable

To date, there are about 250 insurance companies in Ukraine, and many experts believe the insurance business one of the most promising and fastest growing. In this industry, you can quickly make a career.

It is very important that many companies are actively recruiting young people with no or minimal experience, because the staff is just not enough. So if you are a young professional, then you have every chance to get a job in an insurance company.

Insurance is a separate branch, which has its own characteristics, which you need to know. In general, insurance is: "Creation of funds that are paid in case of adverse events."

Sometimes different directions:

risk insurance
property insurance
liability Insurance
In Ukraine, the insurance business with began to actively develop only after independence, but rather at the end of the 90s. Now the insurance business in Ukraine is developing very rapidly, which could be described as "boom". Work with an insurance company becomes more and more popular.


There are new companies, there is an active inflow of investment from abroad, foreign companies come. Common steel mergers and acquisitions among players in the market, and all of this means a lot of money.

If something of this you have, then you can become a good insurance professional and having worked a year and a half of the initial positions and then go to the "big bosses", as companies grow and managers recruited from yesterday's young insurers.

In addition to the necessary professional skills (the ability to understand the relevant services and conditions of insurance) agent, as representatives of the business, must necessarily be outgoing personality and stress.

But that's not all. Success in this business largely depends on the ability to "calculate" the potential client. Experienced agents know: to offer their services to all in a row can not be. Instead of the conclusion of the transaction and making profits you can get a good share of negative emotions. Insurance agent - a kind of psychologist. Its main task - to accurately identify customer needs and provide the best solutions to problems.

Who can work in an insurance company?
The most popular are:

Insurance agent
Insurance specialist
Insurer
Leaders agents network
Consultants
Top Management
Most of these positions can be summarized in insurance manager. Or rather, a person who enters into the insurance transaction. Given actively growing market now felt an acute shortage of insurance professionals.

Of course, the work of an insurance company has its own characteristics. Firstly, you need to understand the intricacies of insurance. This is a fairly complex area and space for learning a lot. Secondly, in most cases the work of a specialist insurance implies active work with people, and so you need to be a bit of a psychologist and be prepared for a lot of communication. And third, most likely you will want to sell insurance, which requires sales skills, tenacity and vigor.

Let me teach
Due to staff shortage, many large insurance companies have opened their schools for training insurance agents. What is attractive, training is free of charge. In this case the company that organized the courses do not impose any obligation on the audience. That is to be trained, and it is useful for a career in related fields, absolutely free of charge.

Education in the school takes no more than a week. On average - three to five days, 4-5 hours a day. Teach in the first place, to understand the insurance, "to understand the product." Obligatory point of the program is to examine the regulatory framework governing insurance activities, as well as the basics of document. And teach properly execute contracts, to work competently with clients and so on.

Sign in to share
Earnings of the insurance agent, mainly consists of commissions from the sale of insurance products. The amount of remuneration depends on the type of insurance varies from 10% to 25% of the contract sum. For example, the average price of CASCO insurance policy for the car worth $ 20,000, is $ 1,500. That is, the agent who sold this type of insurance, will receive a minimum of $ 150.

In life insurance, the commission also depends on the duration of the contract and can reach 30-50%. This is despite the fact that life insurance is one of the most expensive products. But to sell such insurance is much more complicated than the policies of popular types of life insurance.

In some companies, there are so-called system of financing agent. This means that, subject to the sales plan insurance agent in addition to the commissions received also a flat rate - usually from $ 100 to $ 300. As an additional incentive and operate a variety of bonus programs, the promotion of sales agents, leaders and so on.

But in the first month of the novice may not be able to sell a single product. But free schedule of work of an insurance agent is quite allows him not to leave the main place of work and income from agency activities regarded as optional.

The activity of an insurance agent can be a temporary part-time job and start a career in the insurance business. Options for development can be several. Career growth depends on personal ambitions and abilities. An insurance agent can count on a place in the company. And can apply for a managerial position at achievement of certain criteria. For example, an insurance agent can count on a place in the sales department (as opposed to agents, state "salespeople" generally work with corporate clients and conduct transactions in larger amounts).

According to the insurers, the position of the agent - is the ideal starting step for a career in the financial sector. Firstly, because the large companies, especially foreign capital, like "grow" their own pictures. Second, the experience "in the field" will help future managers to better understand the market needs and to feel the situation. However, to get to the office staff, a specialist will have a minimum of six months effective work freelance.

By the way, not necessarily pursue a career all in the same company. A good specialist will be happy not only to any insurance company, but also in the banks. After all, there also have departments whose work is connected with insurance.

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Insurance details

The insurance business has evolved in the early 90s. Then the insurance company staff were universal: to enter into contracts, estimated the value of the objects and the risks involved in payments. Today in this area there is a clear division of labor.

In general, employees any insurance company can be divided into two major groups: the front office (those who have direct contact with clients) and the back office. The first group - are employees selling units and experts on the settlement of damages. What do the first - is understandable, but the latter is already working with customers after the insured event occurred. For back-office includes representatives of both the universal professions (secretaries, members of IT-services, accountants, and so on.), And insurance (underwriters, experts in actuarial calculations). On the wagons in the article will not talk, it will be only for those whose profession is an integral part of the insurance business.

Sellers in the State and outside the State
The first step that begins the career ladder many successful professionals in insurance, - a position of an insurance agent. This employee self-seeking clients and sells insurance policies for different types of insurance. agent's task is complex and simple at the same time - to sell insurance to me, your neighbor, that is individual. The hardest thing at first is where and how to find a client. After all, no one will call you and say: "Insure me, please!" Therefore, most beginners first insurance agents sell through relatives, friends and acquaintances. And just in time the agent (or Sales Manager) formed its own client portfolio.


Agents are not employees of the company. Nevertheless, the developed network of agents - is something on which to build a business of any insurance company. Income derived by a manager, the entire sum of the percent of sales policies. Many in the profession of insurance agent draws a flexible schedule, and the fact that sales can be engaged on the job training and substantive work. But there is a flip side: lack of stable income (how much you sell - you get so much). According to the observations of recruiters, agents earnings by the end of the first year is US $ 800-1000. After two or three years, accumulating an extensive customer base, a specialist can count already 2000-3000 USD. Per month or more. Although there are people who believe this craft exclusively extra earnings, thereby to obtain no more than 300-500 USD. Per month. But those who take up the matter seriously and achieves some success, soon become full-time employees of the company and have themselves trained sales agents.

The main groups of professionals working in the state of the average insurance company, are different levels of sellers, underwriters, methodology (product managers), activists, experts on the settlement of losses, the evaluators (not represented in all companies). Tell us more about each of these professions.

The driving force of any business - sellers. The insurance firms they employ other workers. No sales - there is no field to assess the insurance risk, nothing to reinsure and deal with the settlement of losses, too, is not necessary. Sales specialists typically work with corporate clients, at least - with individuals (usually retail - a field agent activity). Established sellers unlike freelancers have a fixed salary ($ 1,000 and above.), All the rest - the interest of the concluded contracts. Experienced workers income is several times the amount of salary. Naturally, people who work in the field of sales, should be active and sociable, that is not a requirement for back-office staff.

Underwriter (in translation from English - the signature under risk) - one of the key professions in insurance. The specialist takes over the obligations under any type of insurance contracts, guaranteeing financial compensation. It forms a portfolio (risk selection produces), generates conditions of insurance, defines and justifies the size of their own retention and tariff policy, selects the reinsurance protection, which allows to transfer the risk of the maximum for the minimum money. On average, each underwriter receives several billion dollars a year liability.

Formal attitude to risk assessment can result in the most adverse effects. After all, insurance is in any other industry, a minor error or omission may lead to the collapse of the company. Therefore it is important that in this area working professionals. It is estimated to grow good underwriter, the company takes three to four years.

The average salary of an underwriter in a large company - 1500-2000 dollars.

The main product
The main purpose of any insurance company - quality customer service, which is possible only in the interaction of all divisions. To attract customers, the seller needed products and prices that the market will be most advantageous to be different from others.

Creating new products - the patrimony of product managers. After analyzing customer needs and capabilities of the company, they are preparing proposals for new products and their promotion. And their tools serves the entire company. For example, the development of tariffs on insurance trends is impossible without mutual cooperation, product managers and underwriters. In promoting a product manager on the market to help professionals in the field of advertising and public relations, in the preparation of special training for the sellers - Service HR. Product Manager is the initiator of all these processes from the inception of the idea to the product to market. He keeps abreast of sales, tracking how the new venture is profitable for the company.

these employees salary varies from 1,000 to 2,000 dollars.

continuous losses
Thus, the sale is perfect, the risks assessed. If during the term of the policy or contract an insured event occurs, the specialists on the scene to settle the losses (in some companies, referred to as the experts). The accident crushed the car, the neighbors poured on top of the insured apartment - with these and other problems sorted out just the experts. They will inspect the damaged property, amount to an act that the insured event did take place, help the client to draw up the documents required for payment.

In some large insurance companies feature the work of experts on the settlement of damages is the versatility: they are not only working at the scene, are assessing the damage involved in the reception and analysis of documents, but also participate in the examination taken at the insurance objects, the development of new programs, tariff adjustments, etc. .

Insured event - for any company a kind of aptitude test. On how skillfully and quickly it will be settled, depending whether the customer will turn to this organization in the next time, or prefer another firm. Well, most staff involved in such an important issue, in addition to excellent knowledge of the business, you must have nerves of steel and a truly angelic patience. Otherwise, try to explain to the person who drove the car an hour ago, what papers he needs to collect to get paid.

Depending on the level of payment labor specialist for the settlement of losses ranges from 900 to 1500 dollars.

"Actuarial" question
Another insurance profession - a specialist actuary or actuarial.

Actuarial calculations - calculations of tariffs for any type of insurance methods of mathematical statistics. Using them is determined by the share of each insurer in the creation of an insurance fund, which is a kind of reserve, from which customers pay compensation. By and large, this work is focused on the future of the insurance company. Specialty actuary originated in the XVIII century in connection with the development of insurance business.

Now, about the salary. Actuarial least in the labor market of 1000-1500 USD. It is also worth noting that the activities of almost all the experts, except for actuaries, also divided by type of insurance.

Professional requirements for employees of insurance companies, are standard. However, with the arrival of foreign insurers in the market, more and more increasing demand for qualified specialists who speak English. But they in our country, unfortunately, is not enough.

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Insurance agent: Duties

It analyzes the structure of the regional contingent of potential customers, serving individuals and entities representing the institutions, organizations and enterprises of different ownership forms. Conducts reasoned conversation with potential and regular customers to get them interested in the conclusion or renewal of contracts of insurance (life and health, movable and immovable property, business and commercial activities, and others.).

In the process of working with clients monitors, evaluates the characteristics of perception, memory, attention, motivation, behavior, and provides understanding when contracting for insurance services. Establishes criteria and risk when contracting for insurance services, taking into account the state of health, age, sex, education, work experience, level of material security and other subjective qualities that characterize the customer.



Concludes and draws up insurance contracts, regulates the relations between the insured and the insurer, provide for their implementation, carries out the acceptance of insurance premiums. Provides correct calculation of premiums, processing of insurance documents and their preservation. Promotes interest and demand for the services rendered by insurance, taking into account the need to strengthen the material and moral support of various sectors of the population, as well as the growth of the risks associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in the modern world. It assists clients in obtaining comprehensive information on security conditions.

Conducts work on the identification and registration of potential policyholders and insurance facilities, gives an estimate of the cost of insurance facilities. During the term of the contracts concluded in communication with individuals and legal entities, entered into a contractual relationship for insurance services. In the event of damage to the insured evaluates and determines its size taking into account the criteria and risk. Examines coming from customer complaints and claims on the disputed issues of calculation and payment of insurance premiums, payment of insurance compensation when the insured event in accordance with the terms of the contract. Sets the causes of violations of insurance contracts and take measures for their prevention and elimination. Explore undeveloped types of insurance services and their development prospects with a view to use in their practice and to create insurance agencies and services. Timely and in accordance with the requirements prepares the necessary documentation, maintains records and provides storage of documents relating to the conclusion of insurance contracts. Interacts with other insurance agents.

Must know
Normative legal acts, regulations, instructions, and other guidance documents regulating the activities of insurance agencies; kinds of insurance services, and the conditions of the various types of insurance; the legal basis for the development of insurance activities with regard to regional specific conditions; the current system of social guarantees; methods for determining the degree of risk when contracting for insurance services and damage assessment; the foundations of a market economy; basics of psychology and organization of work; order of the conclusion and execution of contracts for insurance services; domestic and foreign experience of organizing security of the population and economic entities; basics of labor law; Rules and regulations of labor protection.

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Accident insurance - what it is worth considering

It's no secret that every day we have to be provided in a variety of situations of risk to health

Should we think about insurance accident

And though it may all seem a part of the everyday, mundane things, but the result can be a trauma that will lead to significant material spending. An example may serve a variety of household chores - washing windows, chandeliers, hanging curtains and so on. Risk are as current valves, faulty electrical outlets which are coming loose and hanging high things, and the like.


In winter, the increased risk of falling, which can result, for example, a fracture of the hand, that for people of almost all professions will mean the loss of working capacity and thus man will be beaten out of the normal rhythm of the long term. Naturally, and in the warmer months, we sometimes face is not less than the dangers. In summer, many people are engaged in the country, which requires the use of physical force and working with garden tools. It is also a time to active sports and outdoor games. All of the above applies to travmoopastnym situations, but also in the summer increases the risk of insect bites that can have many unpleasant consequences.



crash - Accident insurance
And while no one can predict what will happen to any of us at any given time, but the possibility of "podstelit straw" is still there. Chance to mitigate the negative consequences of different accidents, lying in wait for us, it seems to us, by the use of such services as insurance against accidents (NA).


In the general case of NA insurance it provides three insurance cases: death, disability, injury or disability. It should be borne in mind here that by accident, understood unforeseen event that has occurred without interference and regardless of the actions of the insured person.

insurance policy against accidents
Insurance companies offer quite a wide range of policies for this service, which has reasonable prices. Thus, each person can choose the product according to your desires and budget. The amount of payment determined by the insurer, depending on the severity of damage to health. Ultimately, this will help alleviate the financial consequences of an accident.


Based on the fact it is clear that buying an insurance policy from an accident, we care not only about their health and well-being, but also their loved ones.

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Choice of commercial liability insurance more restricted types

The difference between regular Caf� Hotel and an unforgettable caf� or hotel is located on a number of factors. Most of these factors have a lot to do with customer service and complete comfort. expected in respect of a caf� that people are attacked her senses to a few things. The smell of coffee beans, heat, an open atmosphere and a color scheme that is not garish or conflicting.

People look for similar things in hotels, but the smell of coffee with very specific lighting scenes and an overall sense of cleanliness and relaxation can be replaced.

The thing about commercial real estate such as a caf�, hotel, or even Restaurants, is that while consumers can expect some sights, smells and even behavior from the establishments they visit, the same goes for the owners and employees of these places. Only its concentration is not on how bad the coffee tastes or how clean the room is. Instead, it is on how well their professional liability insurance works.



Commercial liability insurance is a more general type of insurance than say Caf� insurance or hotel insurance. Commercial liability insurance is broad enough that it can be applied to any type of commercial real estate.

The sense of having liability insurance for any millstone that can be covered from a legal perspective.
Caf� insurance helps, for example, a cafe or restaurant to stay in business, even after a lawsuit is filed. The caf� or restaurant may be one or more of the following actions to interrupt operation of their company available for an automatic extension of their insurance:

-Mangelhafte Hygiene, vermin, pests or etc. leads.
-Anzeigepflichtig
-Professional Fees to the account
Or-Murder Suicide
-Delivery Damage amounts to no less than 25,000 l
-The Failure of public utilities
Refusal by access

Caf� insurance covers against injuries and damage that could occur to the public. It protects also responsible before the supply or sale of certain were a liability. Most shop owners may please to find out that caf� and restaurant insurance also has a section on buildings cover, stating that damage is done to cables or pipes that are covered underground. A great help when you estimate how expensive it would be, but to fix this kind of damage with no money in their own pockets.

How Caf� insurance good for those who are running a cafe or restaurant, is Hotel insurance for anyone who owns a hotel, boarding house or guest house. Hotel insurance does the same thing, doing another insurance company. It protects owners against loss, damage or claims against them by a third (a k a guest).

At the end comes down to what level of coverage you fit. You have to consider whether your business falls into a hotel, guest house, inn or bed and breakfast. Alternatively, if you run a caf�, the same rules apply. There are various features that may change at any time, which would change to another at the end of the description of your company from one. If you want a bed and breakfast but had then decided to stop eating, you could end up as a guest house or hotel, depending apply, what other factors for your business.

This is just one of the reasons why many people choose to use commercial liability insurance. Under a broader range of coverage allows them to branch off and to reduce or change according to circumstances and their own preferences. It is also cheaper to obtain and to keep commercial liability insurance.

Is this the way that you think would be best for your business, it is time that you do some research. Consider your options and really think about it, you think about whether commercial insurance or insurance would be best with a narrower niche. A caf� has always been a caf� and will always enjoy the benefits, Caf� insurance that was designed specifically for them. It's the same way with hotels and hotel insurance. Specially focused insurance are not for everyone. So if you have a hard time figuring out your future plans have (or if you just need to save the money), commercial liability insurance is probably the best choice you can make.

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As the introduction of electronic MTPL policies affect the availability of auto insurance?

The opportunity to conclude MTPL contracts in electronic form (hereinafter - e-CTP) came from citizens on July 1 last year, and legal entities - from July 1 this year. According to RSA, today concluded about 300 thousand. Electronic contracts, representing approximately 0.5% of all contracts of CTP. The most popular they are in those problem areas where insurers withdraw from the market due to the high loss ratio of this type of insurance, leaving acquire paper policies virtually impossible (Krasnodar, Volgograd, Rostov, Ivanovo Region, Republic of Bashkortostan).

While the design of electronic policies on a voluntary basis, and currently only 17 of the 70 insurance companies licensed to carry out civil liability insurance of vehicle owners, provided for customers such an option (see the list of the insurance companies can be on the official website of the PCA). However, since January 1, 2017 the conclusion of electronic contracts will be the responsibility of the MTPL insurance - any person can file a complaint with any insurance company which is engaged in CTP .




Theoretically, after the introduction of such a duty for all insurance companies the number of e-policies should be increased. However, insurers are not only not predict significant growth in the share of e-CTP, but, on the contrary, suggest that some market participants refuse this type of insurance at all. Problems that occur after the introduction of obligations to conclude MTPL contracts in electronic form have been discussed, including in the framework of an organized forum of the Institute of the Internet "Internet + Finance", held on 21 of September. Let's see how this innovation is useful for drivers and how it will affect the activities of insurers.


Expected problems

Under the new rules, insurers will be required to enter into electronic MTPL contracts throughout the country, regardless of the fact whether they have branches in the region of policyholders living. In this connection, will need to think about how to properly secure the settlement of losses in the case where, for example, the insured from Vladivostok enters into a contract CTP in electronic form with the insurer from Kaliningrad, do not have a branch in Vladivostok, said Head of the RSA security methodology Mikhail Porvatov.

Current legislation requires insurers representation on the settlement of losses in each subject of the Russian Federation (p. 1, Art. 21 of the law on compulsory motor TPL). Small insurance companies meet this requirement by concluding agency agreements on representation in regions with major insurers that have branches all over the country. However, this representation of the Institute model assumes that the representative of the insurer will settle the loss only in those areas where the latter does not sell policies. In the regions, where sales are conducted, the insurer is obliged to have their offices on the settlement of losses, the expert said. Therefore, the introduction of sales policies on the entire territory of Russia (namely, it means e-CTP) will lead the reform of the institute of representation of insurance companies.

OUR REFERENCE

Settlement loss - a set of the insurer's actions to address victims' claims for payment of insurance compensation, carried out in order to determine the legality of the claimant, the amount of insurance compensation and the fulfillment of obligations on payment of insurance compensation or the direction of a reasoned refusal in accordance with the requirements of the law (Article 1.1 of the Rules of settlement of losses by insurance. organizations - members of the PCA on MTPL contracts, approved by the decree of the Presidium of the SAR on October 8, 2009 ? 4)..

Still can not find the solution one of the most important problems in the field of e-CTP - the lack of information exchange between the authorities, insurers and the PCA. Introduction of electronic insurance policies was intended to simplify the procedure for their preparation, which is why insurers freed from the need to submit to the insurer a passport or a certificate of registration of the organization (if the insurer - a legal entity), the document is the vehicle registration, driver's license and diagnostic card, or a copy of these documents. It is assumed that the information contained in such documents information, insurers are prepared by exchange of information in electronic form with the relevant authorities and organizations (para. 4, Art. 15 of the law on compulsory motor TPL).

Thus, the legislation provides that the number of ministries and departments, including the Ministry of Internal Affairs and the Federal Tax Service of Russia are obliged on request SAR to submit information for inclusion in the automated information system of compulsory insurance of civil liability of owners of vehicles, known as AIS CTP or AIS SAR (n. 2 of Resolution RF Government of September 14, 2005 ? 567). The interaction between the authorities, the PCA and its members carried out using SMEV - a unified system of interagency electronic interaction (paragraph 2.2 of this decision.).

However, as reported by Michael Porvatov, in practice, such communication has not yet been organized, although the PCA repeatedly sent to the Office an application for access to their services. The lack of interaction leads to the fact that insurers can not guarantee the accuracy of these insurers in the statements on the conclusion of the contract CTP data in electronic form (no typos in the presentation of information and deliberate distortion). Accordingly, it is impossible to ensure the purity contained in the CTP AIS information, as they are making directly in the insurance companies.

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Certification of power of attorney

Certification of power of attorney


1. A power of attorney for transactions requiring notarized form for submitting an application for state registration of rights and transactions, as well as to dispose of registered in the state register of rights must be notarized, except as required by law.

2. The notarized power of attorney equated:

1) the power of attorney of servicemen and other persons who are undergoing treatment in hospitals, sanatoria and other military medical institutions, which are certified by the head of such an institution, his deputy at the medical unit, and in their absence or senior doctor on duty;


2) the power of attorney of servicemen in places of location of military units, formations, institutions and military schools, where there is no notary offices and other bodies to perform notarial acts, powers of attorney of workers, their families and the families of military personnel, which is certified by the commander (chief ) of these units, formations, institutions or establishments;

3) the power of attorney of persons in detention, which is certified by the chief of the respective places of detention;

4) powers of attorney of capable citizens in institutions of social protection of the population, which is certified by the administration of the institution or the head (his deputy) of the relevant body of social protection.

3. The power of attorney to receive wages and other payments associated with the employment relationship, on the remuneration of authors and inventors, pensions, allowances and scholarships, or for correspondence, with the exception of valuable correspondence, can be certified by the organization in which the principal works or studies, and the administration of the inpatient treatment institution in which he is being treated. Such power of attorney shall be certified for free.

4. The power of attorney on behalf of a legal entity shall be signed by its director or other person authorized to do so in accordance with the law and the constituent documents.

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