Searching for information about a counterparty or insurer using a taxpayer identification number is a standard procedure for any car owner planning to enter into a liability insurance contract. Avtogarant LLC with TIN 7713478586 is one of the prominent players in the market of liability insurance services for vehicle owners, in particular, in the system of compulsory carrier civil liability insurance. It is critical for consumers to understand the type of organization they are dealing with, especially when it comes to financial guarantees and legal obligations.
In this material we will conduct a detailed analysis of the company’s activities, based on open data from state registers and financial statements. You will find out whether the organization is in the register SRO insurers, what is its financial rating and what should you pay attention to when applying for a policy. TIN 7713478586 belongs to a legal entity that specializes in liability insurance, which requires compliance with strict regulations of the Central Bank of the Russian Federation.
It is important to differentiate between the types of insurance a company offers. Car enthusiasts often confuse classic OSAGO (for personal cars) and carrier liability insurance (for taxis and public transport). Avtogarant LLC historically focused on the commercial transportation segment, although operating conditions may vary. Understanding the specifics of the company’s activities will help you avoid mistakes when choosing an insurer for your fleet or personal transport.
Legal status and details of the organization
The initial verification of the counterparty always begins with an analysis of the constituent documents and data of the Unified State Register of Legal Entities. The organization with TIN 7713478586 is registered in the city of Moscow, which is standard practice for large insurance companies operating throughout Russia. The legal address and physical location of the head office may vary, so when submitting official claims or statements of insurance claims, it is necessary to use the current data from the extract.
A key indicator of the legitimacy of an insurer is its presence in the register of insurance entities maintained by the Central Bank of the Russian Federation. The absence of a company on this list means that it is impossible to legally carry out insurance activities. For Avtogarant LLC Having a valid license is a prerequisite for work, and you can check its status on the official website of the regulator by entering the appropriate INN or name.
Always check the relevance of the insurer's license on the website of the Central Bank of the Russian Federation before paying for the policy, since the license may be suspended at any time.
When filling out insurance documents, it is critical to provide the details correctly. Even one error in the TIN or KPP numbers can lead to the fact that the policy will not be included in the unified database or will be considered invalid. This is especially true for commercial carriers, who are required to carry certified copies of the insurer’s documents with them.
- 🏢 Full name: Limited Liability Company "Avtogarant".
- 📍 Registration region: Moscow (main office).
- 📜 Main activity: Insurance of other property and liability.
- 💼 Status: Active legal entity (current verification required).
Activities in the compulsory insurance system
The company's field of activity is closely related to compulsory types of insurance regulated by federal law. In particular, we are talking about insurance of the carrier's liability to passengers. This is a complex product that requires the insurance company to have significant reserve funds and a well-functioning claims processing system. Avtogarant LLC positions itself as a partner for transport companies, providing them with the necessary policies for legal work.
Unlike voluntary insurance (CASCO), where the conditions can be flexible, in compulsory insurance the rates and rules are strictly regulated. The company operates within the framework of uniform standards established by law. This means that the basic cost of the policy and the list of insured events will be identical for all licensed insurers, and the key difference is the quality of service and speed of payments.
Particular attention should be paid to electronic document management. Modern requirements oblige insurers to provide the ability to remotely issue and verify policies. For owners of taxi or shuttle bus fleets, the ability to quickly issue a policy for a large number of vehicles through a personal account is a critical feature.
⚠️ Attention: Policies issued by a company that is not in the register of SRO members or deprived of a license from the Central Bank of the Russian Federation are invalid. Checking the status of the company is mandatory before concluding a contract.
Financial performance and reliability
Assessing the insurer's reliability is based on an analysis of its financial statements. The key metrics here are the size of the paid-up authorized capital, the company’s own funds and the volume of formed insurance reserves. For Avtogarant LLC (TIN 7713478586) this data is public and is posted in annual reports available on the company website or in information disclosure systems.
An important indicator is the level of portfolio loss. If a company insures cargo or passenger transport, but does not have sufficient safety margins, this may lead to delays in payments in the future. Investors and large partners always analyze the ratio of premiums to payouts. The company's stability in the market for several years indicates its ability to manage risks.
How to check financial stability?
Order an extract from SPARK or use the counterparty verification service on the Federal Tax Service website. Pay attention to the lines “Net Assets” and “Profit/Loss” for the last reporting period. Negative values may indicate problems.
It is also worth considering the availability of reinsurance protection. Large risks, such as liability to passengers in mass transport, are often transferred to reinsurance to other companies or international pools. This allows Avtogarant LLC guarantee payments even in the event of major insured events, without jeopardizing your own liquidity.
| Indicator | Description | Where to check |
|---|---|---|
| Authorized capital | Minimum amount of funds to start | Unified State Register of Legal Entities / Extract |
| Insurance reserves | Money reserved for payments | Reporting on the Central Bank website |
| Licenses | Permits for types of insurance | Register of insurance entities |
| Reliability rating | Agency rating (A+, B, etc.) | Rating agency websites |
Policy registration procedure and documentation
The process of interaction with the client in Avtogarant LLC involves collecting a certain package of documents. For legal entities engaged in transportation, this list is more extensive than for private drivers. It is necessary to provide vehicle registration certificates, licenses for transportation activities and driver information.
Registration can take place both at the company’s office and remotely. Electronic signature (EDS) significantly speeds up the process of agreeing contracts. After signing, the policy is entered into a single database, which makes it visible to inspection authorities (traffic police, transport inspection) in real time.
☑️ Documents for issuing a policy
When receiving the policy, carefully check all the data: VIN code, engine number, power and, most importantly, the period of use of the vehicle. Errors in these fields can become a formal reason for refusing payment or invalidating the contract in the event of an accident. Corrections to the paper policy must be certified by the seal and signature of an authorized employee.
Procedure in case of an insured event
The occurrence of an insured event requires clear and prompt action from the policy owner. First of all, it is necessary to ensure security at the scene of the incident and call the competent authorities (traffic police, police, ambulance). For Avtogarant LLC, as for other insurers, the availability of documents from government agencies is the main evidence of the fact of the incident.
It is necessary to notify the insurance company as soon as possible, usually within 5 business days, although modern rules often allow this to be done online or by calling a hotline. Delay in notification may complicate the investigation of the circumstances of the accident by the insurance company.
To submit an application for payment, you will need to collect a complete package of documents, including a notification of an accident, a certificate of an accident (or a European protocol), copies of rights and documents for the car. Payment calculation is carried out on the basis of an expert opinion or receipts from an authorized service center if a referral for repair is chosen.
⚠️ Attention: Do not sign blank forms or documents whose contents are not clear to you at the scene of an accident or at the insurance company’s office. Record all agreements regarding the amount of damage in writing.
Customer reviews and market reputation
A company's reputation is made up of many factors, and customer reviews play an important role here. Analyzing user opinions about the work Avtogarant LLC, several key aspects can be highlighted. Positive reviews often concern the efficiency of paperwork and the loyalty of managers when working with corporate clients.
However, as in any insurance activity, there are situations related to difficulties in making payments or assessing damage. Negative reviews are most often associated with bureaucratic delays or disagreement with the amount of compensation payment. It is important to understand that each case is individual, and the presence of negative reviews does not always indicate systemic problems with the company.
When analyzing reviews, pay attention to the publication dates and the presence of responses from company representatives. Fresh reviews are more important than old ones, and the response to criticism shows the level of customer service.
For an objective assessment, it is recommended to study independent sites, auto lawyer forums and specialized resources. Also useful information is data on the number of lawsuits filed against the company: their absence or a small number indicates the insurer’s readiness to resolve disputes out of court.
Frequently asked questions (FAQ)
How to check the validity of the Avtogarant LLC policy?
The check can be carried out on the website of the RSA (Russian Union of Auto Insurers) or on the official website of the Central Bank of the Russian Federation in the section of the register of existing policies. You will need your policy number, vehicle VIN or state registration plate.
Does the company work with individuals?
The main activity profile of the company with TIN 7713478586 is focused on the corporate sector and compulsory liability insurance of carriers. However, conditions may change, so to clarify the possibility of obtaining a policy for a personal car, it is better to contact the office or hotline directly.
What to do if the company is liquidated?
In the event of liquidation of the insurer, obligations under existing policies, especially in the MTPL system, are assumed by RSA (Russian Union of Auto Insurers). For other types of insurance, the process is governed by the bankruptcy procedure and the order of satisfaction of creditors' claims.
Where is the office for filing documents?
Addresses of offices and document issuance points may change. Current information about office locations Avtogarant LLC in your city, you should search on the company’s official website or in the 2GIS and Yandex.Maps help systems, filtering by the relevance of the data.