Auto insurance. Auto insurance companies and options.
Today car insurance is very popular and in demand among the broad masses of the population. This is due not only to the fact that in our country recently a law on compulsory civil liability insurance of a car owner was introduced, but also to the fact that more and more motorists understand the importance and convenience of such support. Auto insurance consists of several types, each of which covers its own risks and has its own insured amount. Let's consider each of the types separately.
Casco auto insurance
Insurance of the car body itself is optional with us. Each car owner decides for himself whether he needs insurance support in case of accidental damage, burglary or theft. According to statistics, every car needs repair at least once during its operation. It can be replacing a windshield broken by hooligans, painting a fender scratched in a parking lot, or more serious expensive repairs. Regardless of who is to blame for what happened, all work will be covered car insuranceif the owner of the car has taken care of it in advance. When taking out auto insurance, it is important to take into account the fact that some companies may charge a certain percentage of the cost of new parts, depending on the age of the vehicle. So that the size of the insurance compensation does not cause surprise, the car owner should carefully read the insurance rules before concluding the contract and clarify whether new parts will be paid in full. Currently they offer such car insurance Rosgosstrakh, Ingosstrakh and many other insurers. The insurance premium in such companies is calculated on the cost of a new car, regardless of the age and mileage of the insured vehicle, but auto insurance covers all expenses at once without deducting depreciation.
Car insurance companies
Motorist liability insurance, which is compulsory in our country, is offered by a number of companies. The leaders in popularity are Ingosstrakh, RESO-GUARANTEE, Rosgosstrakh and others. Auto Insurance liability of the car owner guarantees the person injured through his fault, a certain monetary compensation. All payments are made within the insurance amount specified in the policy. The standard amount of the sum insured is very modest. This leads to the fact that many experienced motorists voluntarily conclude motor third party liability insurance for a higher amount in order to minimize the risk of high costs in the event of an accident.
Passenger car insurance
Most drivers simply ignore passenger car accident insurance. Meanwhile, the treatment and restoration of health of relatives and friends can result in a fairly large amount. Having insured one, two or more places in his car at will, the driver provides himself and the passengers with financial support in case people are injured in an accident.
