How OSAGO determines the actions of the driver in the event of an accident
Road traffic is a very complex and sometimes unpredictable process with changing participants. Are there ways for the driver to protect himself and his car from possible trouble along the way? The way out can be timely and effective OSAGO insurance issued by the company WAKE UP.
What it is and how it works
OSAGO, or compulsory third party liability insurance, is a reliable “airbag” for each road user. The policy is a mandatory document for all vehicle owners along with the obtained driver's license. Drivers of both luxury cars and light motorcycles or trucks are not allowed to drive a car without it. If the accident occurred due to the fault of the OSAGO owner, compensation is paid to the injured party. It will be carried out by the insurance company with which the contract was concluded.
Why buy an OSAGO policy
The conclusion of a civil liability insurance contract is a legal way to protect road users injured in an accident. The annual purchase of a policy by motorists occurs as a necessary fulfillment of the requirements of the law of Ukraine. However, not everyone studies in detail how “insurance” works in the event of an accident, therefore, in a state of stress, they sometimes commit rash acts. To perform the algorithm of actions correctly, you should study your rights and obligations, understand the nuances of insurance well.
What risks are covered by insurance?
Insurance will protect the driver of the car from unexpected payments in case of his fault in an accident. Let's take a closer look at what situations most often occur:
- An accident caused by the policyholder. The insurance company that has concluded a contract with him must compensate the injured party for monetary damage for damage to property or injury to health.
- A collision in which the fault of two drivers is proven. Insurance companies will pay compensation to both parties. As a rule, such compensation for damages occurs in half of the total amount. In disputable cases, the degree of guilt (responsibility) of each participant in the accident and the ratio of coverage of expenses due to an accident is decided in court.
Important! The costs necessary for the driver to repair his own car in the event of a collision with another car will be paid by him himself, since this is not provided for by the OSAGO policy. In order to compensate for the money spent, the owner of the vehicle should additionally purchase CASCO. This policy will cover the cost of car repairs. Simultaneous purchase of OSAGO and CASCO can be executed in one document.
How to buy a policy
According to the legislation of Ukraine, the driver will need the following documents:
- identity card, passport;
- certificate of state registration of legal entities (for commercial organizations);
- driver's license or its copy in case of driving vehicles by other persons;
- vehicle passport, technical passport, registration certificate, technical coupon.
To obtain a policy, you must fill out an application for insurance of the established form.
How can I buy an OSAGO policy
They draw up a document for insurance for drivers either in the usual form (on paper) or in electronic form. The OSAGO policy can be purchased:
- in the office on sites dealing with auto insurance;
- insurance agents offering several types of these services;
- through financial marketplaces.
Today, you can present an electronic policy on the roads by showing it on the screen of your smartphone or in printed form. It is easy to check the relevance of a document in a computer database.
The policy is a guarantee of careful and thoughtful further actions in the event of an accident, and its payment and the amount of the alleged compensation are always disproportionate values.
