Your dream has come true: you have purchased a long-awaited car! Now it’s worth thinking about how to insure your purchase. There are two more popular types of insurance today:

• OSAGO
• CASCO

Последний при аварии предусматривает куда более обширный перечень случаев, нежели OSAGO (покрывающий только ответственность водителя при нанесении ущерба перед другими участниками аварии). Следует также отметить, что полис CASCO никто вас не заставит оформлять. Страховаться по нему или нет – это ваш добровольный выбор. Отсутствие OSAGO по законодательству повлечет за собой штраф.

CASCO нужен тем, кто хочет защитить себя от материального нанесения ущерба при ситуациях, не связанных с авариями. Страхование по полису CASCO возмещает причиненный ущерб только владельцу машины.

Having issued a hull insurance, you protect your car from any damage caused by unauthorized persons. In case of an accident it will be necessary to issue an accident on the hull insurance. The exception will be minor damage, registration of which with the traffic police is not required. In other cases, the procedure is as follows:

• it is necessary to install an emergency sign near the car;
• call the traffic police team;
• invite a representative of the insurance company KASKO to the scene;
• make sure that all obvious damages of the car are recorded in the protocol;
• ask for a copy of the protocol;
• contact the traffic police department to get information about the accident;
• оформить заявление на выплату средств в компании CASCO.

In the case of an accident

After the accident, you must provide the following documents to the insurance service:

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• photocopy of the passport;
• insurance claim;
• a copy of the traffic police protocol;
• certificate of the accident.

All documents must be submitted in person to the CASCO office. In order to avoid misunderstandings, make sure that a company representative with you registered a personal statement and told you his number.

Подводные камни CASCO

As practice shows, the insurance company does not cover all the losses associated with the accident. Payments for hull insurance, of course, can not be more depreciation cars. The amount of payment will be directly proportional to the amount for which you have insured cars. The insurer, in this case, sets the tariff from 2% to 6%. For example, if the car was insured for an amount of 500,000, the contribution would be from 10,000 to 28,000 rubles a year. This means that you will be paid 500,000 rubles immediately, if your car is not recoverable after an accident. In all other cases, the payment will be made in equal shares according to the result of an independent examination.

The legislation does not provide for exact terms of compensation under the hull insurance policy in case of an accident. But, as a rule, the car owner receives the first payment within a month.

Do not forget, the earlier after the accident you submit documents to the CASCO company, the sooner you will receive compensation for your insurance.