Travel by car is not only a pleasure.It is comfortable, efficient, but also risky.Even if you are a law-abiding driver, not a reckless driver, always a chance meeting with an inexperienced or hurrying motorists.Road conditions, weather conditions also increase the probability of getting into accidents.
dream of every owner of the vehicle - that would be in case of an emergency, regardless of the degree of guilt, all the expenses claimed the insurance company.Can the existing types of car insurance cover damage resulting during operation of the vehicle or an accident?Alas, not always.But regardless of all the owners of cars become clients of insurance companies.
most common type of insurance - insurance, which has the first letter of the abbreviation indicates the commitment.These are not only made his decree of 2003, and that without it, as they say, does not go far.At renewal of the car passing inspection, when dealing with the traffic police - all the required insurance policy.Tariffs are set by the government, depending on the grade and class of vehicle, engine capacity, driving experience and other factors.It affects the amount of insurance and the number of persons who will use the car.Mandatory car insurance means that the insured driver has violated the rules and being responsible for an accident, take responsibility for losses, which are paid by the insurance company.The maximum payment amount - $ 400 thousand. Rubles.But very often when a major accident or the collision of several cars this is not enough.The missing amount and restore your own car the culprit must pay yourself.To avoid this situation, you can resort to another type of car insurance - DSAGO that allows voluntary expand the limited scope of the core, as well as to repair your car.More recently
types of motor insurance increased by one option - Hull.This type is most close to the motorist dream - to buy a policy and sleep.The amount of insurance acts the market value of the vehicle.Such policies are often voluntarily become owners of new and expensive cars, and taking a car loan at the bank must acquire it compulsorily.This option allows the insured vehicle against such risks as theft and damage.The acquisition of such a policy is not cheap, but be aware that cars older than 10 years are not subject to insurance.
Therefore owners of used cars have to use DSAGO or just auto insurance.
insurance market is still quite young and is still under development.Therefore, the number of proposed options limited.In addition to the listed basic, there are other types of motor insurance - "Green Card" insurance, passenger and freight transport, motorcycles.
Whatever kind of policy is chosen, it should be understood that the insurance - this is a business.The more customers deposit insurance premium in the form of money, the less made insurance payments, the greater the profit.The correct choice depends on the latter, you will cover their costs, if necessary.It should be noted that no matter what kind of auto insurance may be used, their rules are different in different companies.All terms and conditions described in the contract, which is often not read carefully, and in fact there can be found a lot of questions, which are better discussed in advance to avoid surprises later.It calms the only one that the insurance companies and their customers are interested to traffic as little as possible accidents.
