DGO insurance is an additional protection of the car owner

DGO insurance is a very useful tool,which becomes particularly relevant in the period of increased risk of accidents. In particular, we are talking about the winter season, when weather conditions worsen and the number of accidents increases.

Features

There is an opinion that DGO insurance iscertainly. In fact, this is a voluntary instrument of civil liability. DGO insurance is a supplement to compulsory motor TPL insurance. In the latter case, it is a mandatory motor third party liability insurance. When registering CASCO, it should be clarified whether the DGO package is included in the package.

Some customers exclude this service toto reduce the insurance premium. At the same time, the protection level is significantly reduced. It should be noted that the payment to the victim under the MTPL insurance policy, according to the law, is limited: 120 000 rubles for property and 160 thousand rubles. "On health".

DGO insurance is a tool thatallows to expand the level of responsibility of the insured, which he bears before the victims. First, the payment of compensation is made through the policy of OSAGO. The next stage is the receipt of funds from the DGO. This sequence should be remembered.

Examples

DGO insurance is legal, but how is itworks, we will consider in practice. Let's start with a simple example. Suppose two cars collide. The vehicle of the victim was damaged in the amount of 152570 rubles. In this case, the reimbursement for the OSAGO policy will amount to 120,000 rubles. In the absence of DGO 32500 r. have to pay for yourself. To solve this problem it is possible by means of the policy on 300000 rivers which will manage in 500 r.

Let's consider one more example.Suppose that two cars collide, while damaging the bus stop. The damage to the vehicle of the victim is 174800 rubles, and the urban structure - 317500 rubles. Under OSAGO the amount of compensation will be 160,000 rubles. In this case, the payment of damage is made by several victims.

Without ДГО 332300 р.have to pay by yourself. To solve this problem can help the policy for 500000 r, which costs 900 r. In cases involving damage to health and life, everything happens according to the above algorithm, only the figures of payments tend to increase.

additional information

DGO insurance is a service provided byvarious companies. The terms of delivery may vary depending on the firm, but most often 100% of the damages are covered. At the same time, wear of spare parts is often not taken into account. The insurer can supplement the policy with ancillary services, for example: "First Aid" and "Emergency Commissioner". At the customer's disposal is the dispatch service of the company, which, as a rule, works around the clock. When an insured event occurs, a consultation of specialists can be obtained at any time. Without days off, there are also centers for settling losses. The standard contract with the company is for one year. The cost of the policy may depend on the type of vehicle, the age of the car, the driving experience, the number of persons allowed to drive the machine.

In order not to fall for the "trick" thatuse some companies, before signing the contract should clarify important information. In particular, ask if the policy applies to all persons who drive a car legally.