All car owners in our country annuallyface with the need to make out auto insurance. Basic insurance packages for car owners are MTPL or CASCO. Each of them performs various functions, one type of insurance is mandatory, and the other - purely voluntary. What should I choose when registering a policy - OSAGO or CASCO? What is the difference between these types of insurance?
Difference in insurance packages
A car insurance document must beeach driver and present it should, if necessary, the employees of the traffic police. If we look at the policy, we can immediately see that before us - OSAGO or CASCO. What is the difference between these types of insurance?
A document of A4 format with a signature of OSAGO is calledcompulsory insurance policy. It should be carried to everyone who drives their own car. It is this kind of insurance services that we need to purchase every year from insurance agents. CASCO is a voluntary type of insurance. What kind of agreements with the UK should be concluded - OSAGO or CASCO? In order to answer this question, it is necessary to understand in more detail the features of each type of insurance.
What is the peculiarity of OSAGO?
In essence, this type of car insurance does not protect the car or the health of the driver, but the civil liability of this citizen in the event of a road accident. What does it mean?
When an accident occurs, the culpritis the car owner insured under OSAGO, the damage to the injured people will be compensated not by the driver himself, but by the insurance company. In this case, the damage caused to the car of the culprit will not be reimbursed. Thus, OSAGO insures unknown persons and their property, if as a result of the actions of the guilty they will be harmed. The maximum amount of insurance compensation is regulated at the legislative level. Currently, this is 400 thousand rubles. If the person is severely injured or killed, the compensation amount may be even higher. But in certain cases, the insurance company has the right to reimburse the paid compensation at the expense of the payer of OSAGO.
When are CMTPL compensated for damage?
Under existing laws, the payment of compulsory car insurance will be granted to the victim only in two cases:
- If the victim is a participant in the roadaccident and is recognized in it by the injured party, according to the State Traffic Safety Inspectorate. The guilty party should be aware of this case and have a valid and paid OSAGO policy at the time of the accident.
- If the policyholder was found guilty of an accident,but at the same time he was not drunk, behaved adequately and provided his car for inspection - in this case compensation to the injured will be paid at the expense of the insurance company. If the cost of processing your plis is 10 thousand rubles, and the damage is estimated to be five times higher, the representatives of the insurance company will reimburse the damage caused in the amount of 50,000 rubles, and the culprit of the accident will not pay anything.
What is CASCO?
Talk about CASCO is desirable to start withthe standard question that all novice motorists ask: "OSAGO or CASCO - what is better for the driver?" This formulation is fundamentally wrong - after all, except that both insurance packages are linked to machines, they are no longer united by anything. If MTPL protects civil liability, CASCO insures completely material values - the insurance package includes compensation for theft or damage to the car. Both insurance packages supplement, but do not replace each other. Therefore, the question of OSAGO or CASCO: what is better is meaningless. These insurance cover quite different concepts, therefore, to compensate for any possible damage, you will have to pay both of these policies.
When do CASCO compensate for damage?
Count on compensation from insuranceoperator can be in the case of proven theft, damage or damage to the car. In some cases, the injured owner of the car can also rely on compensation for health reasons - if this item was separately registered in the insurance contract.
OSAGO or CASCO: what to choose?
Now it is not so difficult to say thatobligatory in our country is the contract of insurance of civil liability. The acquisition of MTPL insurance is supervised by many financial institutions. These are the RSA - the Russian Union of Motor Insurers, and the Central Bank, which is a regulator, and various bills and regulations. CASCO - insurance is purely voluntary. Provision of insurance of material compensation is regulated only by the Law on the Protection of Consumer Rights and the Civil Code of the Russian Federation. Therefore, acquiring the policy of OSAGO, you can take care of CASCO, but not vice versa. The policy of voluntary auto insurance does not exempt from the need to acquire MTPL.
Regressive requirements
The concept of a regressive requirement exists inall insurance companies and does not depend on what type of insurance you have used - OSAGO or CASCO, or something else. In some cases, the UK is not obliged to pay an insurance premium. For example, if the perpetrator of an accident disappeared from the scene of the accident, did not provide the vehicle for inspection, was drunk. In this case, the entire burden of financial compensation for damage compensation falls on the shoulders of the culprit.
Policies of MTPL or CASCO necessarily includeinsurance contract clause on regressive requirements. It specifies cases when an insurance company can initiate a civil claim and sue the compensation given back. This usually happens if:
- the victim leaves the scene of the accident before the arrival of the traffic police;
- does not provide his car for inspection;
- is in alcoholic or narcotic intoxication;
- other.
In these cases, the insurance agent has the rightto collect in court all the amount paid to the victim (if there is an OSAGO contract) or to the policyholder (if it is CASCO). Payments for MTPL or CASCO occur only after payment of the insurance policy.
What type of car insurance is cheaper?
The second important issue is the cost of auto insurance.OSAGO or CASCO - which is cheaper? Forced to disappoint you - it will be cheaper to pay the damage done to another person than to compensate for the losses caused to your own vehicle.
Tariffs for MTPL are regulated by the state - inall insurance companies, the conditions for acquiring the OSAGO insurance are the same, and the car carrier in different insurance companies will cost the same amount. Cost CASCO insurance operators set themselves, and it depends on many factors - from the statistics of the hijacking of this car model to the level of competence of the driver.
