All car owners in our country annuallyface with the need to make out auto insurance. Basic insurance packages for car owners are MTPL or CASCO. Each of them performs various functions, one type of insurance is mandatory, and the other - purely voluntary. What should I choose when registering a policy - OSAGO or CASCO? What is the difference between these types of insurance?
A car insurance document must beeach driver and present it should, if necessary, the employees of the traffic police. If we look at the policy, we can immediately see that before us - OSAGO or CASCO. What is the difference between these types of insurance?
A document of A4 format with a signature of OSAGO is calledcompulsory insurance policy. It should be carried to everyone who drives their own car. It is this kind of insurance services that we need to purchase every year from insurance agents. CASCO is a voluntary type of insurance. What kind of agreements with the UK should be concluded - OSAGO or CASCO? In order to answer this question, it is necessary to understand in more detail the features of each type of insurance.
In essence, this type of car insurance does not protect the car or the health of the driver, but the civil liability of this citizen in the event of a road accident. What does it mean?
When an accident occurs, the culpritis the car owner insured under OSAGO, the damage to the injured people will be compensated not by the driver himself, but by the insurance company. In this case, the damage caused to the car of the culprit will not be reimbursed. Thus, OSAGO insures unknown persons and their property, if as a result of the actions of the guilty they will be harmed. The maximum amount of insurance compensation is regulated at the legislative level. Currently, this is 400 thousand rubles. If the person is severely injured or killed, the compensation amount may be even higher. But in certain cases, the insurance company has the right to reimburse the paid compensation at the expense of the payer of OSAGO.
Under existing laws, the payment of compulsory car insurance will be granted to the victim only in two cases:
Разговор о КАСКО желательно начать со the standard question that all novice motorists ask: "OSAGO or CASCO - what is better for the driver?" This formulation is fundamentally wrong - after all, except that both insurance packages are linked to machines, they are no longer united by anything. If MTPL protects civil liability, CASCO insures completely material values - the insurance package includes compensation for theft or damage to the car. Both insurance packages supplement, but do not replace each other. Therefore, the question of OSAGO or CASCO: what is better is meaningless. These insurance cover quite different concepts, therefore, to compensate for any possible damage, you will have to pay both of these policies.
Рассчитывать на компенсацию от страхового operator can be in the case of proven theft, damage or damage to the car. In some cases, the injured owner of the car can also rely on compensation for health reasons - if this item was separately registered in the insurance contract.
Now it is not so difficult to say thatobligatory in our country is the contract of insurance of civil liability. The acquisition of MTPL insurance is supervised by many financial institutions. These are the RSA - the Russian Union of Motor Insurers, and the Central Bank, which is a regulator, and various bills and regulations. CASCO - insurance is purely voluntary. Provision of insurance of material compensation is regulated only by the Law on the Protection of Consumer Rights and the Civil Code of the Russian Federation. Therefore, acquiring the policy of OSAGO, you can take care of CASCO, but not vice versa. The policy of voluntary auto insurance does not exempt from the need to acquire MTPL.
The concept of a regressive requirement exists inall insurance companies and does not depend on what type of insurance you have used - OSAGO or CASCO, or something else. In some cases, the UK is not obliged to pay an insurance premium. For example, if the perpetrator of an accident disappeared from the scene of the accident, did not provide the vehicle for inspection, was drunk. In this case, the entire burden of financial compensation for damage compensation falls on the shoulders of the culprit.
Policies of MTPL or CASCO necessarily includeinsurance contract clause on regressive requirements. It specifies cases when an insurance company can initiate a civil claim and sue the compensation given back. This usually happens if:
In these cases, the insurance agent has the rightto recover in court the entire amount paid to the victim (if you mean the contract OSAGO) or the policyholder (if it comes to hull insurance). Payments on compulsory motor TPL insurance or hull insurance come only after payment of the insurance policy.
The second important issue is the cost of auto insurance.CTP or Hull - what is cheaper? Forced to upset you - it will be cheaper to pay for the damage caused to another person than to pay damages caused to your own vehicle.
Tariffs for OSAGO are regulated by the state - inAll insurance companies have the same conditions for obtaining insurance OSAGO, and auto-citizen in different insurance companies will cost the same amount. Insurance operators set the CASCO cost themselves, and it depends on many factors - from the statistics of hijacking this car model to the level of driver competence.
