Many drivers are interested in the question of what insurance is unlimited.It is this kind of policy in which the machine can be controlled not only its rightful owner, but also to third parties.Insurance without limitation provides a unique opportunity - an unlimited number of people can be behind the wheel of a vehicle.Simply put, if the family has one car, which is used by several people, in case of emergency you can always count on compensation for damage, even if at the time of the accident at the wheel was not the actual owner of the car.All this makes the option of insurance is very popular among different organizations, where staff great drivers and cars are not so much.
This policy is quite clearly defines the responsibility - the degree of guilt participant accident.On the size of payments due to the insured event is not affected, of course, if all documentation is framed correctly.The most important thing - to check that the traffic police to fill out the protocol: everything in it should match what was told participants of the accident, and its witnesses.
Rumors about the insurance without restrictions
can often hear conflicting views about this policy.Some argue that the insured person will suffer multiple losses if the driver gets in an accident through their own fault.This is not so - quite able to cover all the costs of insurance premiums.The question of how much the insurance without restrictions, is very popular.Typically, the cost above one and a half and then in half when compared with the price of a regular policy.It all depends on the particular company.In general, this option is very useful in the first place that the driver will not have to worry once again about to whom the car is insured and who can get behind the wheel.So the overpayment is justified.
Facts on the limited insurance
Limited policy can only protect one person.Driving a vehicle is only entitled to a host of cars.If the car has several owners, limited coverage is issued on each of them.Needless to say that the insurance without restrictions is much more favorable in this situation?
advantages of unlimited insurance
When buying a policy favorable terms are evident:
- car can manage whatever people (there are no penalties);
- filling out paperwork risk is minimal;
- MTPL insurance without restrictions suggests that in the event of an accident the owner of the car will not have to pay anything at all;
- if you want to enter in the policy inexperienced driver (length less than 36 months, at least 22 years of age) unlimited insurance option - the best.
If an employee exceeds the authority
Infrequently, but still there are situations when traffic police want to cheat drivers who are covered without restriction.To do this, they cite the fact that the policy has no specific names that have the right to operate the machine.Of course, this is wrong, but disputes with representatives of law enforcement agencies do not need to enter, doskazyvat and nothing should be.Drivers do not fit into any documents, as their number is not limited to any regulations.Actions unscrupulous representatives of the traffic police can always be challenged in court after (or turn to their immediate supervisor).
Easy registration
insurance for insurance is made easy enough - there is almost nothing to ignore.Driving experience is not important as the time that a person spends behind the wheel.Yes, there is some difference in financial terms, but still much more profitable unrestricted policy limited.The latter may be more relevant only in some cases (if, for example, the car only one driver, or when the family car run by different people, the driving experience which is different, as age).To avoid mistakes, you should carefully weigh the arguments in favor of both proposals.
However, if the design of any insurance need to remain vigilant.It is best to work with those companies that have a good reputation, the recommendations from relatives and friends.This allows you to avoid fraud, cheating and other problems, which abound in the area of car insurance.
If necessary, even limited coverage can be unlimited - it is the owner of the machine must write a statement to that firm, which signed it policy.In this statement, indicate what changes would see in insurance - as a rule, the customer just provide a ready-made forms, where it is necessary to emphasize the desired item (should carefully examine all possible options).The application can even write a trustee of the insured - the insurance without restrictions in the presence of certified documents will be issued.
