Types of auto insurance

Having a car provides many advantages. However, this car still needs to be maintained. Insurance is an important legal point. In our country, insurance can be mandatory and additional.

So, mandatory insurance is OSAGO. Insurance cases are: damage to life, health, property in the event of a road accident. The payment amount is calculated based on the damage as a whole, but has certain limits.

The cost of the policy depends on several factors: the driver's experience, age, engine power, region, policy term, number of accidents with the given driver, and so on. Therefore, the cost of insurance can increase significantly.

There is also a green card - a type of OSAGO, in which the insurance extends to other countries. That is, it is issued if a person goes to other countries. An interesting point: the driver will not receive a fine at the border, but the first inspector will immediately enter the fine. There are no significant shortcomings. Will take out such insurance as green map it is possible both in the Russian Federation and abroad.

Advantages of OSAGO:

Low price;

Fixed rate;

Damage is compensated by the insurance company, not the driver.

Disadvantages of OSAGO:

Payment is limited, i.e. payment may not be enough to repair an expensive car;

Limited amount of insurance cases;

The driver himself will not receive the payment.

There are also cases when payments under OSAGO will not be made: the driver was a person not registered in the policy, the presence of alcohol in the driver's blood, the driver fleeing the scene of the accident.

In any case, OSAGO payments are often disproportionately small, so when insuring an expensive foreign car, people use CASCO.

A subspecies of OSAGO is DSAGO. With it, the driver receives a higher fixed payment than with OSAGO. But it is possible to issue it only if OSAGO is available.

CASCO is already a voluntary insurance program. He does not save from civil liability, but covers property. The voluntariness of CASCO causes disputes, since when buying a car on credit, the bank often requires registration of CASCO.

Advantages:

A large sum of damages;

A wide list of insurance cases;

The fault of the driver is not a key factor.

Disadvantages:

High registration price;

Some cars cannot have CASCO. For example, because of the expiration date.

It is impossible to name the prices exactly. Here, each insurance company sets its own prices.

Accident insurance is also worth mentioning. This is a subspecies of CASCO. With this type of policy, the driver and passengers in the car at the time of the accident are insured. At the same time, an accident is understood not only as a road accident, but also as a fire, explosion, and natural disaster. This insurance is issued only at the request of the driver.

Car insurance is, first of all, assistance to the driver in the event of a traffic accident. The state obliges to issue only OSAGO, the rest - only on request. You should not neglect them, as they only provide additional guarantees.