insurance refers to compulsory insurance.Acquire vehicle liability insurance policy required to all citizens of the Russian Federation, exercising administration by any means of transport in our country.The lack of insurance policy entails the imposition of a fine.
Unlike Hull, payment according to policies made only persons recognized as victims in the accident.Reimbursement is made in cash, and after the examination.
Legislative regulation
main document that regulates the relationship between the insurance company and the owner of the vehicle is its client - insurance rules.They contain the most complete information on the award, termination and extension of the insurance policy.
It rules regulate insurance list of documents that may require the insurer to process the insurance.This is usually a passport, driver's license and vehicle documents.In 2013, changes were made to the rules of insurance: insurance is now issued only upon presentation of coupon inspection vehicle.
Further, the statute governs the term of the insurance policy can be issued.Regulations stipulate that the contract of insurance can be concluded for at least three months.After this period, the policy can be renewed, but no more than two times.The maximum possible duration of the insurance contract is one year.
Making insurance policy in the same insurance company, the driver can get a discount if there are no accidents.Earlier, easily changing the insurer, the driver could not conceal the fact of its participation in an accident.However, the new rules of insurance set limits to such a situation.Now, being a single database of insured persons through which insurance companies can easily check any vehicle owner for trouble-free operation.
From January 1, all such firms are required to transmit data on insurance contracts concluded in a single system.Now, the insurance premium is calculated only after an appeal to such a resource.This means that insurers are required to provide not only a trouble-free ride for discounts, but also make extra charges to premiums in case of accidents, the originator of which was insured.
It is also useful to know that the sale of the vehicle before the expiry of insurance policy, the driver has the right to terminate the contract.In this case, the insurance company is obliged to return the paid part of the sum insured.
interesting fact is that, this year, during the second continuous contract of insurance with the same insurer is not necessary to provide the original documents.
is important to understand that the rules of insurance, along with the traffic rules, all drivers should be explored.The knowledge of the document will behave properly with the insurance company, if necessary, to obtain compensation.
