Car insurance. Risks and advantages

The increase in the number of cars on the roads contributes to the increase in traffic accidents. Any road misunderstanding can lead to significant material damage to the owner of the transport. To avoid such a situation, the motorist should insure the vehicle.Car insurance is an exciting topic for many drivers. There are several nuances in this issue that should be studied before getting behind the wheel.What is the object of insurance?The object of insurance can be:- Damaged or stolen transport.- The life of the driver and passengers.- The injured third person or his property.Types of insurance policies- CTP. This is mandatory auto-civil liability insurance, which every driver should have. Required, regardless of the availability of other policies. It is prohibited to use a car without CTP on the territory of the Russian Federation.- CASCO. Registration takes place on a voluntary basis. Comprehensive, car insurance, can cover damage — in case of damage or theft of a car. CASCO does not compensate for civil liability.- DSAGO. This is voluntary insurance. Policies are an extended version of CTP.- Voluntary insurance of drivers and passengers. It can be obtained in a set, with the ones mentioned above. This type will cover the costs of treatment of persons injured in the accident.The necessary documents to obtain a policy In order to issue an insurance policy, you will need to collect the following papers:- A document confirming the identity (for example, a passport), or a certificate of state registration of legal entities.- Vehicle registration documents.- The original or a copy of the driver's license.- Diagnostic card of the car.- Application for insurance.Pros and cons of auto insurance The advantages of purchasing an insurance policy include:- Certain insurance payments.- Compensation of financial damage in a short time.- Quick repair of the affected car (when choosing a hard hat).The main disadvantage is the increase in the cost of this procedure. For example, the CTP price tag has doubled, which greatly affected novice drivers.Another significant disadvantage is the non-payment of compensation in certain cases, as well as the unfair attitude of insurers to their customers.Insurance risksthe insurance risk is a stipulated, or a set of events, upon the occurrence of which insurance is carried out. The obligation to pay comes into force when the incident corresponds to the insured event provided for in the policy. These can be both natural and social phenomena, depending on the type of document purchased.How to calculate the cost of the policy?In order to calculate the cost, you need to multiply the base rate (depending on the choice of the company) by certain coefficients set by the insurance company. The coefficients are calculated separately for each car owner.Car insurance is a mandatory process for any owner of the vehicle used. The presence of such a certificate will save the owner of the car from unnecessary hassle, and if necessary, compensate for the damage. When looking for an insurance company, you should choose conscientious and proven performers so that the money and time spent on insurance are not in vain. Every person is capable of changing his life completely just by registering on this online casino casinoin gr , where you will find a lot of bonuses, games, free spins and jackpots.

 

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