
Faced with the need to insure your car, you can rely on an insurance company in the hope that your situation is deeply explore and find the best insurance policy. However, as experience shows, if you want to get the best, it is necessary to understand this myself. First of all, find out what types of auto insurance there are now and what are you more profitable.
Although the sites of insurance companies you can find many types of insurance policies, in fact, they are not so much, and to understand them is not difficult. Types of car insurance depends on whom and on what hedge. Today, auto insurance is represented by such species:
Hull (car insurance), or CTP insurance third party liability (compulsory motor insurance), accident insurance (typically this policy either ignore or standard insurance already has this coverage.)
In making your choice auto insurance, make sure your life insurance, life and health of your passengers, as well as third parties who may be affected by your own fault. In addition, care must be taken and for compensation of possible damage to the car.
Would you like it or not, but every year you have to think about insurance for your car. Auto insurance has many advantages. Yet there are also some disadvantages. If you want insurance for your car is costing you as cheaply as possible, but at the same time was helpful in case of an accident, we advise you to further explore this issue. Even if you do not buy the first year of his insurance policy, you should keep your finger on the pulse. Consider the most frequently asked questions about auto insurance.
How often do I need to buy an insurance policy?
Most drivers get car insurance policy for a period of about a year. But it all depends on your needs.
Is it possible to obtain insurance payments?At first glance, of course, auto insurance CASCO frees you from any feelings, because you will be reimbursed for any costs associated with any damage to the car. However, in order to receive insurance payments, you will need to prove the fact of theft, fire, etc. Know in advance that should be taken in each case to avoid possible future problems.
Automobile insurance is strictly controlled by legislation. With your hand must be met all the requirements of the insurance contract: to confirm the incident, in time to notify the insurance agent to collect all necessary documents, etc. If you have fulfilled all the requirements correctly, you are guaranteed to receive insurance payments within one month.
What is auto insurance hull insurance?
Auto insurance CASCO is voluntary. Speaking in a nutshell, the hull - insurance "iron", but not people. There are three types of hull. Which one to choose depends on your budget.
At first glance, of course, auto insurance CASCO frees you from any feelings, because you will be reimbursed for any costs associated with any damage to the car. However, in order to receive insurance payments, you will need to prove the fact of theft, fire, etc. Know in advance that should be taken in each case to avoid possible future problems.
What is CTP car insurance?
CTP, in contrast to the hull, is a compulsory insurance. Each driver is required to obtain auto insurance for a certain amount of CTP. TPL policies cover damage caused by fault of your own life, health, and property of a third person.
What is the cost to insure a car?
Prices for auto insurance are very different. In case of voluntary insurance You can choose the amount by which insure. For compulsory insurance you should be insured for an amount not less than a certain minimum compulsory insurance. Prices for car insurance also depends on factors such as:
1) The term of the contract,
2) the driving experience,
3) the amount specified in the contract drivers
4) Type of vehicle
5) the volume of the engine,
6) place of registration.
How to choose an insurance company?
To get started, you need to decide whether you want to make auto insurance company in this country, or you no longer trust the companies with foreign investments. In fact, now that the crisis had passed, it does not matter.
You should note the following points: 1) how reliable the company, and 2) what her reputation among those who have been forced to apply for insurance payments, and 3) whether the company is a member of the financial group or corporation, and 4) who make payments in the event ruin the company.
akaya Autoinsurance need to travel abroad?
"Green Card" from virtually anywhere in the world. Of course, this Autoinsurance is expensive, but without it you will not even be able to enter other countries (especially Europe). Rules for obtaining this insurance policy is the same as for conventional insurance policies.
Voluntary motor liability insurance (DPP)
Required form of auto insurance "Avtotsivilka" for many years has the standard limits of insurance payments, and at this point in time does not always meet these limits may damage arising from the accident. For complete protection we recommend that you purchase a policy of voluntary civic responsibility (DPP), at the conclusion of which you choose the limits of insurance payments, so you'll be able to predict in advance the expenses, even accidents.
Voluntary insurance of civil liability (DPP) allows to increase the limits on insurance benefits provided by CTP, for any damage caused to the injured persons in road accidents:
limit for property damage - up to 500,000 USD.
limit for damage to life and health - up to 500,000 USD.
Contract DPP is in addition to the mandatory contract with the owner of GO and the policy covers the liability of any person who is legally driving.
Payment of insurance compensation is carried out after the payment of compensation under the policy of mandatory GO.
The territory of the Insurance Contract - Ukraine.
When applied to life and health affected persons are reimbursed for expenses associated with:
temporary disability
persistent disability
death
When applied to property damage to victims be compensated for the damage associated with:
damage or destruction of the vehicle the victim
damage or destruction of property of the victim
damage or destruction of roads, road construction, traffic control facilities
Casco in Ukraine. Hull. Comprehensive insurance and motor hull
Hull (Voluntary insurance Land Transport) - the most common type of vehicle insurance, which protects the car from the complex or specific unforeseen circumstances (insurance risk).
For insured risks include:
road-transport accidents
natural disasters
explosion, fire
inorodyh getting bodies on the surface of the car
wrongful acts of third parties
stealing a car
The insurance contribution (insurance premium) subject to the following factors:
selected risk
type, brand and price of the car
term of the contract
conditions of operation of the vehicle
age of the car
selected insurance programs
The benefits of insurance in the insurance company "Universal":
the possibility of paying the insurance premium installments
onsite as needed Accident
compensation for the evacuation of the vehicle from the accident scene
the presence of various insurance programs
Motivation breakeven customers
Insurance discounts for fleets
receive compensation without reference traffic police, in certain cases
no restrictions on the storage of the vehicle at night
* In case of repeated and long-term insurance applies a flexible system of discounts.
Voluntary liability insurance (voluntary Motor Third)
Automobile insurance can help in emergency situations

