The number of cars intensively

The number of cars intensively grows in our country, and together with it the number of failures grows also. To save up the car in an integrity and safeties all it is more difficult. To the aid of the automobile owner the insurance companies offering to clients all new services and the discounts come. Modern Russian autoinsurance can protect the insurer from three kinds of troubles. First of all, it is responsibility before persons, financially or physically suffered because of the insurer (ОСАГО); except that, damage of own car or its loss (автокаско); and, at last, to insure under the autoinsurance program own health and health of passengers is possible. ОСАГО Obligatory insurance of an autocivil liability (ОСАГО) allows the insurer to compensate a damage which it can put to health or property of the third parties at use of the vehicle. The insurance policy releases its owner from payments to the affected party within the greatest possible sum of indemnification by the given kind of insurance. According to the governmental order, this sum for today makes 400 thousand roubles from which compensation of a damage to health concern 240 thousand, and to compensation of property harm – 160 thousand. Cost ОСАГО is defined not by insurers, and pays off under the tariffs confirmed by the government. The total price of the insurance depends on type of the car, an engine power, a place of registration of the automobile owner, its age and the driving experience, and also from quantity of the persons admitted to steering and presence of the previous insured events. For an example, cost ОСАГО for the 22-year-old Muscovite, with the car of 100 h.p. and the experience of driving till two years, for the first time making out the policy (for one year), makes 4554 roubles. The maximum cost ОСАГО will be at the owner of a car capacity over 150 "horsies", not reached 22-year-old age and at least time already visited road accident with damage compensation under the insurance – 11880 rbl. should not be forgotten that ОСАГО is an obligatory insurance. The legislation takes away to the automobile owner on acquisition of policy ОСАГО five days after vehicle purchase. But even before the expiry of the term any inspector of traffic police can write out to you the penalty for absence of the policy. Besides, the logic prompts that with registration ОСАГО it is better not to pull, that it was not necessary to pay in case of failure the astronomical sum of indemnification from own pocket. Besides insurance ОСАГО, in the majority of the insurance companies it is possible to get also policy ДСАГО (a voluntary autocivil liability), allowing to increase insurance sum ОСАГО if its size provided by the legislation, will not suit you. Kasko Kasko – a voluntary kind of insurance, but thus belongs to it of an order of 90 % of gathering of the autoinsurance market. This insurance protects the car of the insurer and only it, assuming indemnification of a damage from damage or vehicle loss – and it as shows experiment, for automobile owners the most important. The greatest sum, on котору