About car/auto insurance
CTP is compulsory insurance, which are required to have all motorists from January 1, 2004 There is to protect property and health of third parties who have suffered in the accident. If you are guilty of the accident, the insurance company will pay for repairs to the victim. However, repair your car, you will pay for itself. Unless you bought a policy Hull.
Full package of hull – insurance from almost all “hazards.” Hijacking, accident damage, and it does not matter who is to blame accidents, fire, explosion, natural disaster or a natural disaster. Hull can also be partial, that when a theft is not an insurable event.
Almost all insurance companies offer similar insurance terms. Value of the policy varies from 5 to 20% of the vehicle, according to “age” of the car. The older, more expensive. It is not necessary to choose a policy just because of its price, it’s any good will not.
Carefully read the rules specified in the contract. See a list of insurance claims. Otherwise it may be that some very common situations do not fit in this list. Make a copy of the contract, and particularly the application for insurance vehicle. By the way, insurance premiums are calculated for each client individually.
The insurance policy must be certified by signature of the representative of the insurance company. The agent must have a power of attorney, which gives him the right to the signing and conclusion of the contract.
Some companies may reduce the cost of insurance by the use of the franchise. This is when an insurer can not recover damages unless they exceed a certain amount (conditional franchise). Under certain conditions, the franchise may be unconditional and deducted from the refund.
In the case of a deductible, insurance will cost significantly less. But do not forget that if the damage is below the amount in the contract, such as 4000 rubles, to repair a car you will be at your expense. On the one hand it saves you from need to contact the traffic police and the collection of references to the insurance company. But the practice of domestic insurance is that nearly always applied unconditional franchise. This means that whatever the accident, you either do not receive insurance compensation (if the damage is less than the deductible amount), or deduct the amount of compensation for the franchise.
Naturally when a major accident or theft auto, the amount deductible against the total compensation will not be so noticeable.But if the amount of damage quite a bit bigger than the franchise in the contract, the insurer to deduct most of the money will be very unpleasant. It is better to conclude a treaty without the use of the franchise.
Some companies offer customers more profitable types of hull. For example, do not enter into a contract for the entire year, but only for a certain period. Or buy a policy providing for operation of the vehicle only on weekdays or weekends. In addition, the contract can combine these options.
Insurance companies make insurance payments of two types: Aggregate (decreases) and Neagregatnye (not decrease).Fortunately, the first option is rare. Here, the alignment is that if you insure a car on 11 000 $, then more than this amount, you will not get. Suppose you have an accident and damage was estimated at $ 3000. This means that if during the term of the same policy again involved in an accident, for example, completely destroyed the car, the more $ 8000 you get a fail. The second option much more profitable to the first, true, and he stands at 5 – 25% more expensive. But you will agree, is more calm.
For some, often stolen cars, the insurers intend to inflate prices. It happens that for the same price of cars, the cost of insurance can be very different. Some firms may require you to set you additional protection, such as satellite tracking system. However, if you have a cheap car, then this purchase is very doubtful.
Sometimes the agreement CASCO, there is such a time as the special conditions of storage cars. Most insurers leave the choice up to you, but some small offices require you to put the car or the garage or on the guarded parking lot. This condition restricts your right to drive after midnight. This of course will reduce the price of the policy, but it worth it?
Buying a policy Hull, to determine the form of insurance compensation. This can be repaired in the SRT company, or payment calculation. By the way, you might want to familiarize with the system of compensation for minor injuries such as scratches on the wing or bumper. Usually large insurance companies do not require a call to road policemen, no problem you will pay the required amount. But for others, and make $ 100 to produce a certificate from the traffic police.
Repairs at the expense of the insurer, is convenient because no matter what the cost of repairs, such as a wing or bumper, you will still repair it. Unfortunately, the deadlines are unacceptably long. In addition, sometimes your views on the repairs do not agree with the views of the insurer. And you can, for example, to fix the bumper, rather than replace it.
It is best to contact the service center familiar, although in this case, the insurance company can refuse compensation. The calculation is also not as simple as it seems. The insurer can assess damage in an amount that is less real. In this case, for repair, you will have to pay extra out of pocket.
Previously, the sum insured recorded in dollars, but in recent years, this amount shall be calculated in rubles.
Upon payment of the sum insured, insurers take into account the depreciation of the TS. That is, the payment will be made taking into account the “aging” of which no specific details. And to prove the company that you need to buy for any new spare, here is useless. It is better to buy an additional policy that removes depreciation. The more that it costs about a thousand rubles.
If the customer does not have enough money to design policy Hull, the insurer may sell it to you in installments. However, in case of accident, you do not pay for insurance until you pay off your debt.
From the above it follows that the purchase of hull, freeing you from a few hundred dollars, in return gives peace of mind. And also save money invested in the car.