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Actually, it is not anything else as civil liability insurance at various incidents on roads. That is, if through your fault there was a failure in which another’s car has suffered – it will be repaired at the expense of your insurance company which, in turn, scoops the finance from that money that you annually pay for the insurance. It is not necessary to swear long at other participants of road accident and something to them to prove – all trials will occur between the insurance companies, instead of owners of cars.
It is huge plus as liberates a lot of time and operates in both directions – after all and your car will be repaired if something happens by the insurance company of the originator of road accident. It concerns obligatory autoinsurance. And here autoinsurance КАSКО (voluntary autoinsurance), for example, insures also risks of a damage even the originator of failure. It is not important who is guilty. If you have autoinsurance КASКО – to you will indemnify a loss.
As to tariffs for autoinsurance, in cities its cost more than in a province that is quite explainable. In a modern megacity very much heavy traffic so the probability of failure is very great.
The basic plus of autoinsurance is that a damage to the owner of a vehicle will be compensated in any case whereas earlier, before occurrence КАSКО and ОI, compensation could take only to court, and that payments were small – no more than third of real damage. Besides, autoinsurance gives protection against dishonest employees of traffic police which are deprived now possibility to juggle with the facts at definition of the originator of failure and to receive for it bribes. The insurance company is very serious staff of lawyers which uneasy to cheat and which will fight for the client up to the end – after all it is necessary to them to repair a vehicle.
Autoinsurance minus is possible to name only that the driver should carry constantly with himself an insurance policy and give to its employees of traffic police on demand. However, it concerns only obligatory autoinsurance. Owners of policies КАSКО can easy leave this document of the house and do not show it to nobody, only in the most insurance company at trials or other questions.
Obligatory insurance is necessary that it would be possible to guarantee suffered compensation at least the minimum harm caused by it as a result of road accident. Even the most skilled driver, without being the originator of failure, can become victims. The law on obligatory insurance of a civil liability is accepted practically in all countries. Such insurance is entered and operates and in some former Soviet republics (Ukraine, Belarus, Lithuania, Latvia, Estonia, Kazakhstan). Importance of the law is that the victim will not be left in private with the trouble. Now, under the law, he will obtain compensation. If because of failure car suffers – repair will be made or paid. If the driver, the pedestrian, the passenger suffers – it will pay the sum of means for treatment, rehabilitation, earnings loss is compensated.
Funny, but lots of the people simply forget that we live in the world where info quickly enhances the quality of our life. Why not applying this to the topic of cheap auto insurance or anything around this topic?!
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