what it is? Decryption, cost and features
In articles on insurance on Vodi.su, we often, along with CASCO and OSAGO policies, mentioned the name of another type of insurance - DSAGO. In this article, we will try to answer the question: what is it, how is it deciphered, where can it be issued, and what is the general use of it.
You can find other variants of this abbreviation: DoSAGO, DAGO, DGO, etc. All of them are deciphered very simply - voluntary third party liability insurance. In some sources, the word "voluntary" is replaced by "additional", but the essence of this does not change.
As you know, there are certain limits on the maximum amount of payments under OSAGO:
- 400 thousand for material damage to third parties;
- 500 thousand for damage to health.
A voluntary DSAGO policy significantly increases the amount of compensation coverage: from 300 thousand to 30 million. That is, if a driver, for example, rammed an expensive SUV, he is unlikely to invest in the amount of 400 thousand. Do not forget also that it is common practice in insurance companies to underestimate the real cost of damage. Accordingly, the culprit of the accident will have to lay out the missing money from his own pocket - to sell a car with an apartment, take a loan from a bank or a micro loan, borrow from relatives. In a word, you will have to climb into another debt hole.
If there is a DSAGO policy, the insurance company undertakes to cover all expenses in excess of the maximum CMTPL payments. Accordingly, the injured party will be able to receive not 400 or 500 thousand rubles, but, for example, 750 thousand or one and a half million, depending on which limit the insured has chosen.
Features
Many insurance companies offer a service such as extended OSAGO. This is, in fact, 2 in 1, that is, OSAGO and DoSAGO in one package. Naturally, this policy will cost more.
What you need to know about DSAGO:
- it is possible to issue only if there is OSAGO;
- coverage amount from 300 thousand to 30 million rubles;
- there are no uniform tariffs, as for OSAGO, each insurance company sets its own rates;
- payment of the sum insured is made after all payments under OSAGO (it is possible to carry out repairs for this amount);
- a deductible is usually established - an unpaid sum insured.
When making a DoSAGO, you need to carefully read the contract. So, there are two main types of policy: taking into account the wear and tear of the vehicle and without taking into account the wear and tear. The second option is more preferable, since the victims will be able to get their hands on the full amount of damage, and not reduced by the wear factor.
Design and cost
The optimal amount of compensation for voluntary insurance is from one million. Registration takes place in the usual manner, with you you need to have:
- OSAGO policy;
- title documents for the car - STS, PTS, contract of sale, power of attorney;
- personal passport.
Various ICs provide several ways to pay compensation under the DSAGO. The easiest way is to sum up the limits for OSAGO and DSAGO (you get a maximum of 400 thousand for compulsory insurance, the rest for DSAGO), or the payments for OSAGO are deducted from the DoSAGO limit, respectively, the DSAGO limit (with an insurance amount of 1,5 million) will not exceed 1,1 million. All these conditions are detailed in the contract, so do not hesitate to ask the manager about everything that you do not understand.
Although all insurance companies have different tariffs, the cost of a voluntary insurance policy does not exceed 1,5-2 percent of the sum insured. The cheapest policy for 500 thousand rubles in Ingosstrakh costs 1900 rubles. For 30 million rubles, it will cost about 18-25 thousand.
Please note that most often contracts for amounts over 5 million are drawn up in the presence of CASCO insurance - this moment needs to be specified separately with the insurance company.
Payments
To avoid unnecessary headaches, it is better to issue both policies in one insurance company. To receive payments after the occurrence of an insured event, you must go through the standard procedure, that is, submit the following documents:
- application;
- a certificate of an accident - where to get it, we previously told on Vodi.su;
- protocol and resolution on violation;
- documents for the car of the perpetrator and the victim;
- OSAGO policy;
- culprit's passport.
Payments are made in accordance with the accepted rules - within 60 days after the application is submitted. In connection with the amendments adopted in 2017, it is possible to send the car for repair instead of paying money.
As you can see, DSAGO does not replace, but complements OSAGO. The prices for this policy are not high, but there are a lot of benefits. If you live in a big city where many foreign luxury cars drive, DSAGO registration can really save you and your family from financial difficulties in the event of a collision with expensive cars.
Loading…
