Types of compulsory insurance currently in force in Russia. What you need to know about insurance

19.01.2024

Abbreviation OSAGO briefly means compulsory motor liability insurance. This type of insurance has been considered mandatory since July 1, 2003 on the basis of Federal Law No. 40-FZ. Such a policy helps out if the health or property of a third party is damaged in an accident due to the fault of the insurance owner. In such a situation, the company that issued the insurance compensates the damage to the injured party within the insured amount.

For whom the MTPL policy is mandatory and vice versa

Every car owner, including a citizen of another country, when operating vehicles on the territory of the Russian Federation is obliged purchase an MTPL policy. The following categories of vehicles are exceptions to this rule:

A vehicle with a maximum speed not exceeding 20 km/h.
Vehicles that, by law, do not have the right to be participants traffic.
All military equipment, except for commercial vehicles.
Trailers and semi-trailers for passenger vehicles owned by an individual.
Vehicles owned by foreign citizens and registered in another country. But at the same time, for such cars there is a need for registration "Green card", as one of the types of civil liability insurance accepted in the international system of relations.

Payments under compulsory motor liability insurance – what can the policy owner expect?

Payment of damages under compulsory motor liability insurance limited by a limit of liability. If harm is caused to the life and health of a third party, it amounts to 500 thousand rubles for each victim, and in case of property damage - 400 thousand rubles. So apply for compulsory motor liability insurance- this does not mean throwing money away, but gaining confidence in the future and being protected in the event of certain circumstances.

What is the cost of compulsory motor insurance?

OSAGO policy price calculated for each individual. It is based on tariffs approved by the Government of the Russian Federation, which are the same for any company. Calculation of the cost of an MTPL policy You can do it yourself by filling out all the necessary data in the form.

To do this you will need to fill in the following fields:

Who is the owner of the vehicle - an individual or a legal entity?
Type of transport.
Engine power data.
Clarify the time frame for vehicle operation.
Calculate and enter the corresponding bonus-malus coefficient (BMC), which gives a discount for break-even driving in the amount of 5% per year.
Regional affiliation of the vehicle.
Data on the number, age and experience of each driver allowed to drive a car.

Opportunity check KBM, which is currently assigned to you, exists right here and now. Just click on the link. But there are situations when, due to the fault of the insurance company, an agent’s error or failures in the RCA database, the value of the KBM is reset to zero, or, to be more precise, it becomes equal to one. You can get acquainted with the most likely causes of such a misfortune in the article. But the question of what to do if this happens to you worries every car owner. Someone makes a request to the RSA, and someone goes directly to the court. You can also find out more about this on our website.

Necessary documents when applying for compulsory motor liability insurance?

You can purchase such insurance protection from any insurance company. But when choosing an insurer, you should pay attention to its popularity and rating. Insurance fraud has become very popular lately. perhaps just by following the link.

But, before you get your MTPL policy, you should undergo a technical inspection of the vehicle. Some unscrupulous insurers, when applying for a policy, issue an already completed maintenance coupon, charging an additional fee for this and claiming that the need to undergo maintenance is no longer relevant for you. available on our website.

The list of documents required by the insurance company when applying for an MTPL policy for individuals and legal entities is slightly different. For an individual, a passport, STS or PTS, diagnostic card or maintenance coupon will be sufficient, driver's license all drivers allowed to drive, and a power of attorney, in a situation where insurance is not purchased personally by the owner of the vehicle. The list of documents for legal entities is supplemented by a power of attorney for the right to represent the interests of the legal entity and a certificate of registration of the legal entity. Also, a representative of a legal entity must have the seal of the company with him.

Starting from October 1, 2015, every car owner has the opportunity to purchase electronic insurance policy, which greatly simplifies the registration procedure and makes it possible to do it without queues and unnecessary nerves. All actions are carried out via the Internet, after which all Required documents.

But whatever the MTPL policy is, regular or electronic, it is initially protection purchased by the policyholder at a fairly reasonable price. After all, the damage caused, if you have to use insurance, can be tens of times higher than the price paid.

If when purchasing a policy compulsory insurance motor vehicle liability (MTPL), the driver is offered to take out such a policy exclusively in a package with an additional service, most often life insurance (about 1000 rubles), several laws of the Russian Federation are violated.

The policyholder has every chance to get his policy without overpayment, with a little effort. But is it necessary to conclude an agreement with an insurer that has proven itself to be such an unscrupulous partner?

The law protects the interests of citizens

Insurance own life or human health is a voluntary matter, and cannot be imposed by anyone on a citizen as an obligation conditioning the provision of another independent service to him (Article 935, clause 2 of the Civil Code of the Russian Federation).

It is prohibited to condition the purchase of some services on the mandatory purchase of other services (Article 16, paragraph 2 of the Federal Law of 02/07/1992 No. 2300-1 “On the Protection of Consumer Rights”). Losses caused to the consumer by violation of his right to free choice are compensated by the seller in full.

The insurer cannot refuse to conclude an MTPL agreement to the owner of the car who has submitted the necessary documents (clause 1.5 of the current edition of the “Regulations on the rules of compulsory insurance of civil liability of vehicle owners”, approved by the Bank of Russia on September 19, 2014 N 431-P).

An unreasonable refusal to issue an MTPL policy or the imposition of additional services upon its purchase entails a fine for an official of 50 thousand rubles (Article 15.34.1 of the current edition of the “Code of the Russian Federation on Administrative Offenses” dated December 30, 2001 No. 195-FZ).

Why do insurance companies sell life insurance?

Insurance rates for compulsory motor liability insurance are insignificant, and the maximum payments to each victim increased in 2014 amount to 400 thousand rubles (for property) and 500 thousand rubles (for life and health).

Many insurance companies did not avoid the temptation to cover the “unprofitability” of this type of insurance with the help of voluntary-compulsory additional services. This was especially clever for companies with an extensive network of sales offices, and, consequently, a large percentage of not very knowledgeable clients.

Most often, the matter is put on hold: at the time of registration of the MTPL policy, the driver is announced an amount slightly higher than the actual cost of the policy. Many insurers do not pay attention to this.

Those who ask receive the answer that there are no forms for “pure OSAGO”; or it can be issued only after inspecting the policyholder’s car, and the inspection can be scheduled no earlier than 1-3 months later (according to clause 1.7 of the Regulation on Insurance Rules N431-P);

The branches try not to give an official refusal to conclude a compulsory motor liability insurance agreement, sending it to the central office of the company.

What to do

The best thing to do is to study the issue first. Using an online calculator, calculate the cost of your MTPL policy yourself and find an adequate insurer offering compulsory insurance without imposed additional services. For example, “Soglasie”, “Renaissance Insurance”, “RESO Garantiya” or another company that is part of the Russian Union of Auto Insurers (RSA). Apply for an electronic MTPL policy (introduced on July 1, 2015).

But other methods are also possible, which are better to try a month before the current insurance expires.

Send the application and copies of the required documents to the office of the selected insurance company by registered mail. The application form can be downloaded from the RSA website. You will need to attach copies of: the applicant’s passport; driver's license; diagnostic card, registration certificate vehicle, vehicle passports.

Alternatively, you can fill out an application in 2 copies and personally go to the selected office with the prepared package of documents. Leave this package there with one copy of the application, and on the second (we keep it for ourselves) we ask the insurance employee to put the date of receipt of the documents and sign. After 30 days, come again and apply for compulsory motor liability insurance without extra payments.

You can record on a voice recorder an oral refusal to take out an MTPL policy without additional services, or come with a witness. And then, attaching the testimony of a witness and the audio recording made, send complaints to Rospotrebnadzor, the Prosecutor's Office, the RSA and the Bank of Russia Office for the Protection of Consumer Rights, indicating the numbers of the policies purchased from this insurance company.

Life insurance and compulsory motor liability insurance are different insurances that are independent of each other. Insurers have the right only to familiarize themselves with the company’s existing offers. Everything else can be regarded as an imposition of additional services. If you submit to the court evidence of the insurance company’s deliberate, unreasonable evasion from drawing up a compulsory motor liability insurance agreement, the insurer will not only receive a fine, but may also lose its license.

The Russian insurance industry has been actively reforming in recent years. The time of widespread transition to electronic registration of compulsory motor liability insurance is not far off. So, life will become even easier for competent drivers.

You can see the experience of drivers in concluding a compulsory motor liability insurance agreement in these videos.

Video: OSAGO without additional services and life insurance

Video: How to get compulsory motor liability insurance without life insurance

Every day the number of vehicles on the roads of our country is only increasing. This demonstrates the indispensability of cars, because they are the ones that help us travel long distances. Those who do not have their own car use public transport. But one way or another we all use machines. As cars increase, the number of accidents on the roads always increases. Therefore, in Russia there is compulsory car insurance.

Compulsory motor insurance

In Russia, compulsory motor third party liability insurance has been in force since 2003. Every year all road users are required to purchase an insurance policy. There are a large number of insurers in Russia who are ready to provide compulsory motor liability insurance; each of them has its own price. The insurance itself is just liability insurance. Many drivers do not approve of it, but consider it simply a money grab.

But that's not true. Those who have had to sue those responsible for accidents, restore the car at their own expense and wait until the insolvent citizen returns the money are on the side of the state. Compulsory motor liability insurance allows the victim to hope that he will still receive, although not more, compensation from the insurance company. In a word, compulsory car insurance is a correct and deliberate decision of our government.

Rating of insurance companies

There are dozens of large and small insurance companies operating on the Russian market. Almost all of them provide the MTPL service. Every year, companies lure customers by offering them various discounts and gifts. They all claim that compulsory car insurance is the best way protect yourself and others. There are also various ratings of insurance companies in the Russian Federation; they are compiled annually and posted for general viewing. For example, according to Expert RA, in 2015 the most the best companies- This:

"AlfaStrakhovanie";
"Alliance";
"VSK";
"VTB Insurance";
"Ingosstrakh";
"MAX";
"Renaissance Insurance";
"RESO-Garantiya";
"Rosgosstrakh";
"SOGAZ";
"Agreement";
"UralSib";
"Energogarant".

Here you need to choose on your own, because all these insurance companies have been working on the Russian market for many years and have many reviews, good and bad. We have had compulsory car insurance for a long time. Rosgosstrakh, for example, was the very first to appear on the market, but it has not been at the first level in the ratings for a long time.

History of OSAGO in the Russian Federation

We know from history that compulsory motor liability insurance appeared in the United States in the first half of the twentieth century. The government was pushed to this decision by the brilliant inventor of the assembly line, Henry Ford. He started mass production inexpensive cars, which quickly filled the streets of America. Already in the middle of the twentieth century, compulsory motor liability insurance reached European countries. The Soviet authorities considered this type of insurance unnecessary and, accordingly, did not introduce it in the country. And only in 2003 Russia adopted a law on compulsory motor liability insurance. Compulsory car insurance has become an integral part of the system and road traffic. A similar type of insurance exists in other countries of the former Soviet Union. For example, in Belarus there is also compulsory car insurance. "Belgosstrakh" is the leader in the market of such services in this country.

The difference between CASCO and OSAGO

As mentioned earlier, every year the number of vehicles on the roads only increases. In addition to compulsory motor liability insurance, in Russia there is another, voluntary type of car insurance - CASCO insurance. Few people use this service yet, but every year the number of insured cars is growing. Upon registration new car On credit, banks require clients to carry out compulsory CASCO insurance; otherwise, they cannot get a car on credit. A service of this kind is not cheap, but even if an insured event occurs, your interests will be protected. Documents for car insurance must be provided in the original (technical passport and personal passport); insurance agencies do not work with copies.

Rules of conduct in case of an accident

If you are involved in an accident, you need to follow the traffic rules.

First: turn on the hazard lights, if present and working.
Secondly: put up an emergency sign (in a populated area 15 m away, behind a populated area - 30 m away, if there is a turn, the sign must be installed in front of it).

The most important thing that needs to be done is to provide first aid to the victims (if any) and call ambulance. Until the traffic police arrive, you need to stay where you are. Vehicles cannot be moved.

Registration of an insured event

Many people wonder whether car insurance is necessary. But if an accident happens to you, and you do not have a valid policy, the victim will have to pay for the damage from your own pocket. That's why OSAGO exists. If an insured event occurs, there are three options for how you can file the incident:

Europrotocol. Used for minor accidents. In this case, there is no need to call the traffic police; those involved in the incident will file everything on their own. You can use the European protocol only if both car owners have valid insurance policies and no people were injured in the accident.
Direct settlement (compensation for damages directly). Exists relatively recently, allows the victim to apply for compensation directly to his insurer, rather than searching insurance company the culprit of the accident.
Standard procedure. It is used in major accidents in which people or several car owners were injured.

The car insurance rule can help many victims recover and get their car repaired.

Amount and terms of payment under compulsory motor liability insurance

Today in Russia there are two more versions of the law on payment under the MTPL policy. The first - before 01.10.2014, the second - after 01.10.2014.

Revision before 01.10.2014:

If a person is injured or killed, the compensation will be 160 thousand rubles.
The property of one person was damaged - 120 thousand rubles.
The property of several people was damaged - 160 thousand rubles.

Revision after 10/01/2014:

A person suffered - 160 thousand rubles each.
Property was damaged - 400 thousand rubles each.

Both in the first and second editions, if the amount of compensation is insufficient, the injured party has the right to go to court and demand the rest of the money from the culprit of the accident.

In order for compensation to be paid quickly, it is necessary to collect all necessary documents, contact the insurance company as soon as possible and write a statement about the occurrence of an insured event. After this, the company is obliged to make payment no later than 20 calendar days. Then you just need to wait. The insurance company will either pay you the required amount or refuse to pay.

If there is no response after the twenty-day period, a fine of 1% will be imposed for each day of delay in payment. There are cases when the insurer pays a smaller amount to the victim, but do not be upset, you need to write a statement about the situation to the insurance company and wait for a response within 10 days. In extreme situations, you can sue.

Refusal of compensation

Since our country has a law on compulsory motor liability insurance, it specifies the reasons for the insurer’s refusal to pay under the policy. There are two reasons why you may not get your money back:

Violation of procedure when the car owner independently destroyed traces of the accident.
Not an insured event when the culprit could not be determined in the accident, the accident was done on purpose or both drivers were at fault, etc.

We can say with confidence that if the insurance company doubts that you are right, or you cannot provide the vehicle for inspection, then you will not see any payment.

Every day in Russia there are many accidents, some minor and some quite large. They cannot be avoided, but compulsory insurance allows you to at least reduce risks and guarantee payment of compensation to the victim.

As the demand for compulsory car insurance policies increases, so does the supply from various insurance companies.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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How to choose an insurer in Moscow? How to choose the most suitable insurance conditions for a car owner? How to calculate the cost of the policy yourself and not become a victim of fraudulent companies, read on.

Rating of insurance companies in Moscow in 2019

geography of location of official representative offices of the insurer on the territory of the Russian Federation);
the number of clients of the insurance organization with whom real auto insurance contracts have been concluded;
volume authorized capital. The indicator determines the level of financial stability of the organization;
the ratio of positive and negative decisions on insurance payments for a specific insurance product;
popularity of the organization among consumers of a particular insurance product.

A++	the highest reliability rating of the organization. Problems with payments are almost completely eliminated
A+	high level of reliability, but there is room for further development
A	high reliability, but there is a high probability of dependence on the market situation in the country
B++	sufficient level of reliability. However, with a large volume of payments, problems may arise
B+	the organization can be trusted in a stable economic situation and for a short period of time
IN	satisfactory reliability. The company's activities depend on many different factors
WITH	low level of trust in the company. The organization has a large number of problems that require immediate solutions
D	there is a high probability of bankruptcy of the insurance company in the near future
E	liquidation of an insurer or revocation of a car insurance license

Name of the insurance company	Assigned rating
Rosgosstrakh	A++
Ingosstrakh	A++
Geopolis	A
VTB Insurance	E (license revoked)
Jaso	A++
	A
Max	A++
Uralsib	A+
RESO-Guarantee	A++
Alfa insurance	A++
Muscovy	A
ERGO Rus	A+
Zeta Insurance	B++
Yugoria	A
	B++
Tinkoff Insurance	A+
SOGAZ	A++
MSK	A+
Liberty Insurance	A+
Renaissance Insurance	A+
Russian Standard Insurance	B++
Bean Insurance	WITH

Price

The next indicator that determines the choice of an insurance organization is the cost of the MTPL policy.

The cost of a car license consists of a base tariff and a number of coefficients. The range of basic tariffs has been determined.

Currently, the base rate for motor vehicle insurance is:

The base rate for compulsory motor liability insurance in Moscow in the most popular companies is:

Name of the insurance organization	The base rate for cars of categories B and BE, rub.
Name of the insurance organization	for legal entities	For individuals and individual entrepreneurs
Ingosstrakh	2573	3432
Agreement	2573	4118
VSK	2573	4118
Yugoria	2573	4118
Max	2573	3650
Rosgosstrakh	2573	4118
Policy Guarantor	3087	3432
Jaso	2573	4118
RESO Guarantee	2573	3775
Alpha Insurance	2573	3432

Where can you apply for compulsory motor liability insurance in Moscow?

Many companies provide their clients not only with standard design services, but also special ones, which include:

the possibility of obtaining a policy in the capital for car owners registered in other regions of the Russian Federation;
the possibility of delivering the finished policy by courier service;
Possibility of 24-hour registration of motor vehicle registration and so on.

For regions

Which companies can individuals contact? Registered in other regions to purchase a compulsory car insurance policy?

Similar services are provided by:

Home delivery

Due to strong competition between insurance companies, many organizations are introducing a new service - home delivery of a car insurance policy.

Document delivery can be carried out:

representative of the insurance company. In most cases, this service is free. However, there are significant nuances, for example, the service will be free at a certain cost of insurance;
courier service. In this situation, the cost of delivery will depend on the tariffs of the selected courier company and the distance to the client. On average, the cost of delivery in Moscow is 600 – 1,300 rubles.

To make it possible to deliver a vehicle title, you must first:

order a policy on the company’s website by selecting the delivery option;
arrange a meeting with a company employee at a certain location. In this case, the insurance contract will also be concluded at the agreed address.

You can order a car insurance with delivery in Moscow from the following insurance companies:

Around the clock

Currently, it is possible to issue a compulsory car insurance policy online, which allows clients to receive the document necessary for operating a car at any time of the day, including weekends and holidays.

Online registration of a motor vehicle license occurs according to the following scheme:

The client independently chooses a company that provides 24-hour online car insurance services.
On the company's website, you fill out a form - an application, according to which a preliminary calculation of the cost of the policy is made.
The completed document is sent to the insurance company, where employees (working around the clock) check the client’s data and make the final payment.
After verification, the client is informed of the final cost of the policy and methods of paying the insurance premium.
The policyholder independently pays for the policy. To do this, you can also use various payment systems that operate online or via mobile banking.
After funds are received into the insurer’s account (as a rule, this operation requires no more than 25–30 minutes, depending on the bank), a completed document is sent to the policyholder’s email address. To use electronic MTPL, the document must first be printed.

Which insurance organizations Do Moscow provide the opportunity to obtain a motor vehicle license online 24 hours a day?

Currently you can contact:

One document at a time

To obtain a motor vehicle title for any vehicle, you must provide a package of documents to the insurance company, which includes:

civil passport of the policyholder;
PTS or registration certificate for the car;
driver's license (if the vehicle license is issued not for one driver, but with a certain circle of persons allowed to drive, then additional copies will be required driver's licenses all persons);
diagnostic card.

The listed package of documents required to issue a compulsory car insurance policy is fixed at the legislative level and cannot change depending on the region of receipt of the car citizen or insurance company. Therefore, it is not possible to obtain insurance using any one document.

Calculation in the capital

To find the cheapest MTPL insurance in Moscow, you can do it yourself.

For calculation you can use:

the simplest formula;
online calculator.

To calculate using the formula, you need to know the values of all that affect the cost of the policy.

These include:

territorial coefficient (Kt). For Moscow, this indicator is equal to 2, and for car owners registered in the Moscow region - 1.7. The territory coefficient reflects the traffic congestion in a particular region;
bonus-malus coefficient (Kbm). The value of the parameter depends on the driver’s accident-free driving. The longer the period spent without an accident, the lower the coefficient value. Kbm is determined annually and stored in the RSA database. You can independently determine the value using the table:
a parameter whose size depends on the vehicle power (Km).
coefficient determining the ratio of age and experience of drivers (Kvs):
driver number ratio (Co):
an increasing coefficient applied if the driver had serious injuries during the previous insurance period traffic violations or car insurance rules (Kn). If there are no such violations, then the parameter is equal to 1. If there are violations, then the coefficient value is 1.5;
coefficient depending on the seasonality of car use (Kc). Many people, especially older people, use a car exclusively in the warm season. Under such conditions, it is not advisable to pay for a policy for a whole year:
validity coefficient of the motor vehicle license (Ksd):

coefficient reflecting the possibility of using vehicles with a trailer (Kp):

The formula for self-calculation is as follows:

St = Bt*Kt*Kbm*Km*Kvs*Ko*Kn*Ks*Ksd*Kp,

St	cost of a car license
Bt	base rate for compulsory motor liability insurance applied by an insurance company
Kt...Kp	corresponding coefficients

One 5th class driver is allowed to drive, whose age is more than 22 years and whose experience is less than 3 years. Has no gross violations. The company's base rate is 4,118 rubles.

To calculate the example, the following coefficient values will be taken:

CT	2
KBM	0,9
Km	1,4
Kvs	1,7
Co.	1
Kn	1
KS	0,7
Ksd	1
KP	1

St = 4118*2*0.9*1.4*1.7*1*1*0.7*1*1 = 12,349 rubles 06 kopecks.

For use online calculator You do not need to determine the values of all coefficients yourself. This action will be done automatically when the appropriate data is entered into the program.

Let's calculate the above example using an online calculator:

Calculation result:

What is needed to apply for a policy?

The process of obtaining a motor vehicle license for different types vehicles are somewhat different from each other. Let's look at the nuances of purchasing a policy for taxis, buses and trucks.

For taxi

Registration of a vehicle license for a vehicle that is used for passenger transportation(taxi), has its own nuances:

The cost of car insurance increases, since an increased base rate is used for calculation. The range of the basic tariff for a taxi, established by law, is 5138 – 6166 rubles;
Most Moscow insurance companies use the maximum tariff value, since the number of accidents, and therefore insurance payments, is greater than in the case of private cars.
When applying for insurance, an additional document is required - a transportation license.

For bus

Car insurance for buses is practically no different from insurance for other types of vehicles. The only nuance is the package of documents required by insurers to obtain auto insurance.

Since most buses belong to legal entities, the set of documents includes:

certificate of registration of the enterprise (in some cases, they may additionally require an extract from the register of legal entities);
civil passport of the representative;
PTS or bus registration certificate;
diagnostic card.

An MTPL insurance policy is also issued after submitting a written application.

For trucks

Trucks can be owned by both individuals and organizations.

If the car belongs legal entity, then to purchase a motor vehicle license you will need a package of documents provided for individuals and individual entrepreneurs.

If the truck belongs to a legal entity, then the set of requested documents also changes.

City lawyers for compulsory insurance

During the registration and use of a compulsory car insurance policy, various problems may arise, for example, refusal to pay insurance compensation, they pay an amount that is not sufficient to carry out repairs, and so on.

To solve problems with the insurance company yourself, you need to know all the intricacies of the law.

In the absence of knowledge, qualified auto lawyers come to the rescue and, for a certain price, will help resolve insurance disputes in the shortest possible time.

Residents of the capital for qualified help can contact:

Name of the company providing legal assistance in car insurance	List of services provided by the organization
Moscow auto lawyer (Shabolovka st., 34, building 3, floor 3)	— carrying out independent examination according to the assessment of the damage received; — collection of insurance payments through the court; — recovery of material and moral damage from third parties
Avtojurist LLC (Avtozavodskaya str., 23, building 15)	— assistance in registering a traffic accident; — assistance in preparing documents for payment under compulsory motor liability insurance; — evacuation; — auto examination; - recovery of compensation through court
Moscow Union of Automotive Lawyers (Krasnoproletarskaya st., 16, building 2)	— assistance in receiving insurance payments; — representation of the client’s interests in court
ANTI-accident (Leningradskoe highway, 36)	— registration of a road accident (assistance in filling out the European protocol); — preparation of documents for insurance payment; — assessment of damage received; — resolving issues with insurance companies in court

How to protect yourself from scammers

Great demand for compulsory car insurance services is also generated by an increase in the number of fraudulent companies offering fake policies. How to avoid becoming a victim of a scammer?

You cannot purchase a car license from small unknown companies. Most scammers work in “trailers” located in different areas of the city, usually near the metro or large shopping centers;
There can be no discounts on auto insurance. The cost of the policy is determined by the state, and insurance companies do not have the right to reduce it at their discretion;
After purchasing a motor vehicle license, it is recommended to independently check the policy form for validity. To do this, you can use the RSA website and enter the document details into the verification form.

Every owner personal car, probably knows what car insurance is and how it is issued. There is no need to talk about whether car insurance is mandatory. In our country, car insurance is mandatory, just like real estate insurance or life and health insurance is mandatory.

Motorists just have to decide which car insurance policy to choose and which insurance company to contact to get it. Almost every company will offer you something but under different conditions.

Let's look at the most common types of car insurance.

OSAGO car insurance

OSAGO is a car insurance policy mandatory for every car owner. If you are not experienced in matters of car insurance, the direct path for you is OSAGO.

This car insurance system is the first most popular on the market. It is the easiest to register, it is much cheaper than its analogues, but there are also a lot of pitfalls in compulsory motor liability insurance.

The OSAGO car insurance package, as already mentioned, is cheaper than the CASCO package. But there are much fewer insurance cases as a result of which you are entitled to compensation for damage.

In addition, payments made under MTPL car insurance are much lower: as a rule, they are enough to barely cover the cost of repairing a car after a traffic accident.

If the car cannot be restored, you will receive the entire insured amount, which is also, as a rule, small. Tariffs for compulsory motor liability insurance are determined by law and do not depend on your material well-being and desires.

If you want more confidence in your financial security, it is better for you to choose a voluntary car insurance package. But this can seriously hit the wallet, so not everyone can afford voluntary car insurance.

CASCO car insurance

The insurance system that is becoming increasingly popular in our country is CASCO insurance. It has a lot of advantages that set aside other auto insurance policies. Including MTPL, in the background.

CASCO insurance is voluntary, it is concluded mainly by those car owners who can pay premiums that are significantly higher than in the same compulsory motor liability insurance.

However, it is worth remembering that CASCO covers a much wider range of insurance cases. That is, you will receive payment not only if you are involved in an accident and you are found not guilty of what happened, but also in any other case, for any damage to the car.

Of course, such nuances are specified in the signed agreement, but, in general, this is exactly the picture.

CASCO is persistently pushing other insurance packages out of the market due to its convenience and reliability. And given the fact that OSAGO is generally going through hard times today and is losing popularity, the future, as experts say, lies with CASCO insurance.

The fact that the car is insured against almost any damage naturally costs money. Therefore, companies offering their services to policyholders make the cost of CASCO much higher.

Features of car insurance

Despite many common points, insurance for each individual car is individual. When signing the contract, the rules of car insurance are also taken into account.

In addition, the contract must indicate the age of the vehicle, the frequency of accidents that have occurred with it, and the driving experience of the owner and driver of the vehicle.

Based on these features, the insurance agent can already calculate the cost of an individual car insurance policy. Naturally, you should understand that the “younger” the car, the more experienced the driver, the higher the amount for which you can insure.

So, the answer to the question of whether car insurance is necessary is yes. Such insurance is mandatory, and it, first of all, protects your financial security, and secondly, protects other road users.

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