What for it is necessary to insure the car?

What for it is necessary to insure the car?
On the statistican, every fifth Russian has the car. Day by day the quantity of cars on roads grows, and road and transport incidents (road accident) occur even more often.
Autoinsurance, as well as insurance any kind, urged to protect property interests insured, connected with expenses for restoration of the car after failure or purchase of the new HARDWARE after stealing or plunder. Insurance of the car and risks allows to avoid unforeseen expenditure, helps to keep confidence on road and gives the most important to the person – feeling of safety.

КАСКО is one of kinds of insurance of property. The service provided by this kind of insurance, depends on a choice of the client and the services offered by the insurance companies. To avoid unpleasant surprises with settlement of insured events, it is necessary to choose attentively an insurance covering and to check that is specified in the signed policy and what risks are insured. In the below-mentioned paragraph we have described a typical insurance covering and its components.
Damage – if the vehicle has received damage to result of road and transport incident the insurance company compensates repair cost. If as a result of road accident the vehicle has received serious damages and its restoration is economically inexpedient, payment of insurance compensation will be made on risk «full  destruction of a vehicle» (= current cost of the HARDWARE minus cost of the suitable rests), and also minus the franchize which size is coordinated in advance.
Fire – if the vehicle has suffered as a result of a fire insurance compensation will be paid on risk «full  destruction of a vehicle» (= current cost of the HARDWARE minus cost of the suitable rests), and also minus the franchize which size is coordinated in advance.
Plunder – at vehicle plunder the insurance companies pay insurance compensation at a rate of the insurance sum or market cost of the HARDWARE minus the franchize which size is coordinated in advance.
Act of nature – if the HARDWARE has received damages to result of act of nature then the insurance company compensates cost of repair of the HARDWARE. If the HARDWARE has received serious damages and its restoration is economically inexpedient, payment of insurance compensation will be made on risk «full  destruction of a vehicle» (= current cost of the HARDWARE minus cost of the suitable rests), minus the franchize which size is coordinated in advance.
Additional services – the insurance companies offer various additional services. Usually such services are offered as packages, but they can be got and separately. We bring to your attention the list of standard additional services:
• evacuation
• a taxi
• accident insurance
• departure of the emergency commissioner to the place of road accident
• luggage insurance
• restoration of keys
ОСАГО – obligatory insurance of a civil liability of owners of vehicles protects your property interests in case of causing of a damage to health, life or property of the third parties, and also the rights and interests of victims.
How autoinsurance ОСАГО works?
Since July, 1st, 2003 (adoption of law about ОСАГО) insurance ОСАГО is obligatory for all motorists — without it it is impossible to put a vehicle on the account in traffic police. Policy ОСАГО protects interests of automobile owners in case of causing of a damage to health, life or property of other persons, and also the rights and interests of victims.
Who receives payments under insurance ОСАГО?
Payments on ОСАГО are received by the victim recognized innocent in road accident. For example, in road accident participated two cars, the driver of one of them has been recognized by guilty. Under policy ОСАГО belonging to the originator of road accident, the victim will receive compensation of the damage caused by the originator of road accident.
That is under your policy ОСАГО payment will be received by other person, the damage has been caused property or which health.
That it is necessary to know about the insurance contract
At the conclusion of any contract it is necessary to do some administrative work connected with signing of the insurance policy. If you get a various insurance covering (КАСКО or ОСАГО), it is necessary for you to pass through different administrative processes. However usually it is necessary for you to fill the form of the policy and to give copies of the documents confirming the given data.
To get policy КАСКО to you it is necessary to have at itself following documents (the list of required documents can vary depending on the insurance company):
• a driving license
• the Passport
• documents the car
To get policy КАСКО for the car with run it is necessary to give the HARDWARE for survey. HARDWARE survey is made by the employee of the insurance company or the authorized person. The expert photographs the HARDWARE and registers the necessary information.
At the conclusion of policy ОСАГО it is necessary to have at itself following documents:
• a driving license
• the Passport
• documents the car

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