Car insurance

Car insurance

The great advantage for the owner of the vehicle, as of today, is the auto insurance - at the moment, does not cause the slightest doubt had almost none of the motorist.

Insuring a car, an ordinary citizen, or, for example, the owner of a taxi company avtostrahovanieizbavlyaet the insured against the financial risks and to many troubles.

The media and the police data every day bring us messages about the accident. The situation on the road can be different and unpredictable. Injured pedestrians, drivers, cars mutilated or damaged road fences if you are involved in any situation is not very good, the main thing is not to panic.
Partial damage to or loss of your vehicle can be quite a nuisance not only for you. Incidents on the road have their summary: if it turns out even such that are responsible for an accident is you, then there only remains to recall the car insurance! In such a situation can not escape the burdensome and unpleasant moments, which will be linked to compensation for the damages to the injured party.


Timely car insurance, you can say a real "magic wand" for each of the parties participating in road accident: for the culprit, and the injured party. In addition, damage to the vehicle can be caused by a natural disaster, or any action by the attacker. Because you are now, almost no one, and needs no further argument for the benefit of auto insurance. In the Russian Federation, issues relating to motor insurance are regulated by a number of legislative acts.

Today, the spectrum of auto insurance products is very wide, and the most famous types of car insurance is the Hull and MTPL. For many vehicle owners, auto insurance, it is difficult protseduroy- although there is nothing you simply do not have. The insurance contract when concluding it in a specialized firm, as a rule, is advantageous for everyone. And while damaging your car or someone else's - all payments will be borne by the insurer, and in this case for you there will be no heavy burden.

Car insurance

 Auto Signing the contract for the hull insurance, you must be extremely careful when reading the terms and conditions, which requires car insurance. Apart from such interesting items as "the amount of payments", pay their attention to other important points of the contract - this is a departure from insurance payments, and such products may not be enough. Such cases are called insurance risk. It must be remembered that after the signing of the contract is not possible to challenge the provisions only exception is the contradiction with the law of the conditions, which offers car insurance CASCO this IC.

Insurance risks are those incidents and events that may occur with the car at once. In the first place, in this case it refers to such risks as "theft" and "damage". In addition, it makes sense to insure other risks, such as risk called "accident" or the risk of so-called "civil liability" and some others. You should be aware that sometimes some insurance companies may offer to insure additional equipment that is installed on the machine, and so on. For example, partial Casco car insurance involves a risk of "damage". While full CASCO - it is insurance against the risk of "damage", and from the risk of "theft." In addition, you can choose from a list of only those risks hull, which, in your opinion, in your case, most likely.

Car insurance

Speaking of the risk of "damage" is, first of all, understand the damage, destruction or loss of the vehicle, as well as its main parts. Car insurance provides the damage when it occurs as a result of events such as:


Insurance companies
traffic accident,
drop in on a car of any items (ice, rocks, icicles, and so on.)
illegal actions of third parties,
theft,
battle of glasses,
natural disasters,
lightning strike,
fire,
explosion and other events specified in the contract hull.
The Treaty on the car insurance you need to provide all the features of this risk as "theft". Here the insurance on the car operates in the following cases: theft, robbery, theft or robbery.