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Explain, what for obligatory insurance of an autocivil liability in general is necessary? We without it lived and could live further. I consider that this law is not necessary to me.
As you can see, the law is necessary first of all to victims, releasing them from necessity to “beat out” money from the originator (that now not always is possible). The size of payment, as a rule, exceeds a payment several times. Therefore this law is necessary also to drivers, supporting their financial well-being.
Purpose of the given insurance to provide compensation of a damage to the dissatisfied party. It indemnification intends. The law forces to insure not the property but responsibility of the driver before other participants of movement. So, if the insured driver makes failure, the insurance company, without fail, will make payment of indemnifications to the victim. Indemnifications to the originator of road accident are not provided by the law. But on the other hand now and it is protected from considerable expenses on compensation of a damage to the victim. For it it will be made by the insurance company.
The size of the insurance sums is insufficient for payments on large damages.
The size of the insurance sum, even taking into account division into limits on property and health, has rather considerable level and provides the indemnification on the majority of insurance events. If to take the average damage caused to property at road accident, it of much less limits of insurance compensation established by the law. Also it is necessary to remember that the automobile owner has the right besides obligatory insurance to get voluntary, thereby having secured himself in case of shortage of the insurance sum on obligatory insurance.
First, OI is an Obligatory Insurance of the Car-civil liability instead of property. Voluntary insurance includes following kinds of insurance: autokasko (insurance of a damage and car stealing), the voluntary autocivil, accident with the driver and passengers, a damage on the additional equipment, trade dress loss. At voluntary autoinsurance it is possible most to choose insurance tariffs, discounts, bonuses. Voluntary insurance of an autocivil liability does not replace, but supplements the obligatory autocivil. At surcharge of a certain sum to the obligatory autocivil the client receives the policy for the big insurance sum and can go more easy on the streets without being afraid to lose after road accident the unique living space.
The discount for each accident-free year will make five percent from a payment. Therefore all companies which as advertising promise the five-percentage discount, to put it mildly, dissemble. All of them are obliged to do such discount under the law. After sale of a vehicle the validity of obligatory insurance ahead of schedule stops because of replacement of the proprietor with return of a part of an insurance payment to proportionally number of the full months remaining before the termination of term of insurance which you can transfer to the bill of payment for the new policy.
Funny, but lots of the people simply forget that we are living in the world where knowledge makes life easier. Why not applying this to the topic of cheap auto insurance or anything around this topic?!
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