Types of car insurance Types of OSAGO, what policies exist for a car

Do you want to take a test on the materials of the article after reading it?

YesNo

It is obligatory for all drivers to purchase OSAGO, additionally, at the discretion of car owners, voluntary insurance policies can also be issued. What is included in CASCO and makes it interesting for motorists? This insurance provides compensation for damage not only to the injured person (as in OSAGO), but also to the perpetrator of the accident. What are the types of auto insurance, what are their advantages and disadvantages?

OSAGO

The most common type of auto insurance in Russia. The main reason is the obligation to purchase this policy. Its main feature is motor third party liability insurance, not the vehicle. The payment scheme after an accident looks like this:

• An innocent person in an accident receives compensation from the insurance company of the guilty person in the amount of not more than 400 thousand (if there were no victims), within 500 thousand rubles (if a person or several people were injured in an accident).
• If the damage caused is estimated at an amount exceeding the maximum established OSAGO, it is covered by the culprit himself.
• In certain cases (for example, if the perpetrator of the accident was drunk), the insurer may demand full or partial reimbursement of the funds spent on compensation to the victim.

Types of OSAGO insurance:

1. With restriction. This document indicates a limited list of persons who have the right to drive a car. For being behind the wheel of a person not included in the insurance, a fine is provided.
2. No limits. Anyone can drive a vehicle.

The cost of these policies is quite different: with a limited circle of persons admitted to driving, it is much cheaper than a similar one, but without this restriction. In addition to this indicator, the following indicators affect the cost of insurance:

• driving experience;
• territorial affiliation (for Moscow, for example, a multiplying factor of 2 is applied);
• engine power and age of the car;
• the number of accidents the driver has been in in the past year.

Depending on the period of validity, compulsory auto insurance can be issued for 3 months, six months or a year. Some car owners who operate cars only in a certain season (usually in summer) buy seasonal OSAGO.

The main advantages of OSAGO include:

1. Fixed rates. They are determined at the legislative level, and insurers are not entitled to change them.
2. Small cost.
3. Territorial availability.
4. Damage is covered by the insurance company, not the culprit.

The disadvantages include:

1. The insured events included in the policy are very limited. For example, when a car is stolen, the insured does not receive anything.
2. A small amount of insurance payments - the full damage caused to an expensive car is usually not covered by OSAGO.
3. Lack of compensation provided for the drivers themselves.

DSAGO

This type of insurance is voluntary. This is its fundamental difference from the mandatory policy. In fact, DSAGO is an analogue of OSAGO, its modification. The object of insurance is the responsibility of the car owner.

The amount of payments when applying for DSAGO increases significantly compared to voluntary and can reach 3 million rubles. DSAGO is issued together with OSAGO (but not instead of it!). The approximate amount of overpayment for expanding the possibilities of voluntary insurance is from one to five thousand rubles. The specific amount depends on the same factors that determine the price of a voluntary policy, as well as on the maximum possible payout amount. For example, when buying DSAGO for 700 rubles, the maximum amount of payment will be 300 thousand rubles. If you purchase insurance for 5 thousand rubles, you can count on compensation in the amount of up to 3 million rubles.

DSAGO auto insurance is primarily recommended for the following categories of drivers:

• living in metropolitan areas with heavy traffic;
• with little driving experience.

This type of voluntary insurance has become widespread due to the increase in the number of expensive cars in the Russian Federation. The cost of the policy is low, but in the event of an accident, the damage can be fully reimbursed from the insurer's funds. For the restoration of an expensive car, the 400 thousand rubles provided for by OSAGO are clearly not enough. Therefore, often losses in the presence of only compulsory insurance have to be compensated from the pocket of the culprit of the accident.

CASCO

Auto Casco is one of the top three popular insurance products. Its fundamental difference from the two varieties described above is the object. This car insurance is aimed at protecting the car itself, and not the responsibility of its owner. CASCO for a car is a complete financial protection of a vehicle. The policy is not mandatory. Its presence does not deprive the car owner of the obligation to purchase OSAGO.

In certain cases, for example, when purchasing a car on credit, car dealerships may issue an additional requirement in the form of a CASCO.

Full CASCO protects the car in case of any cataclysms:

• theft, theft;
• fire damage;
• actions of intruders and animals;
• natural disasters, falling objects;
• fraudulent activities.

Full CASCO is not cheap, so many car owners insure the car only against certain, most likely to occur insured events. The cost of this type of policy depends on the following criteria:

• driving experience and accident rate of the driver;
• the cost of the insured car itself and its components;
• the number of insured events covered by the policy.

The calculation also takes into account statistical data related to the number of thefts in relation to similar vehicles, as well as their participation in traffic accidents.

Full CASCO of inexpensive foreign cars for their owners will cost 30-100 thousand rubles per year. The cost is impressive, but it fully covers the costs of the car owner for the period of validity of the insurance. The maximum sum insured is 2 million rubles or full coverage of the cost of the destroyed car. In the second case, the vehicle is accounted for by residual, not market value.

Unlike the compulsory type of insurance, the tariffs for CASCO are set by each insurer independently. There are options to reduce the price of the policy, although they are few. For example, some car owners buy a policy with a franchise. This reduces its cost, but in the event of an insured event, the insured receives a payment minus the deductible established by the contract.

Cases of refusal to pay for insurance are quite rare (which cannot be said about OSAGO). Most often this happens:

1. If the driver fled the scene, thereby grossly violating the procedure for registering an accident.
2. If the driver was drunk at the time of the accident.

Advantages of CASCO:

• an extensive list of insurance risks;
• large payouts;
• coverage of damages regardless of the fault of the insured.

Flaws:

• high price;
• restrictions on certain vehicles - most often, vehicles with a long service life receive a refusal.

Accident insurance

There are also certain types of CASCO, for example, life and health insurance for the driver and all people in the car during an accident. These may include:

• fire;
• explosion;
• disaster.

If under any of these circumstances, people (in addition to disabled people of groups I and II) died, they were injured, maimed or lost their ability to work, then insurance compensation is paid. Such a comprehensive policy is issued at the request of the insured. Its cost is determined by each insurance company individually. Tariffs are influenced by certain factors, such as the age of the driver.

Green map

This is a type of OSAGO, operating in most European countries. The object of insurance is the civil liability of the driver. Typically, this type of policy is issued by drivers when traveling abroad. In the absence of a Green Card in any foreign country, the driver will be fined.

The cost of the policy is low, and mainly depends on the duration of the policy and the country of departure. For example, a 15-day visit to any EU state will cost 30 euros, the same period in Ukraine - 5 euros. For a six-month stay in the EU in a car - 230 euros, in Ukraine - 45 euros.

That's all the main types of auto insurance. The acquisition of DSAGO or CASCO is an independent choice of each car owner. In the case of living in a metropolis or with a small driving experience, it is recommended to have at least one of the voluntary insurance options in addition to OSAGO.

Auto insurance can be conditionally divided into three parts:

1. Insurance of your liability to third parties (OSAGO and DOSAGO).
2. Car insurance against damage and theft (CASCO).
3. Life and health insurance of vehicle passengers (NS).

If any of the above is not familiar to you, then it is worth taking a few minutes to this article. As practice shows, useful information can help save a lot of time.

Your civic responsibility

Civil liability (CL) is the obligation of the perpetrator of a road traffic accident (RTA) to compensate for the damage caused by his actions to the property interests of third parties. In this case, harm can be done to the life, health or property of the victims.

The most common type of civil liability insurance is OSAGO. That is, compulsory insurance of your liability to the injured party. There is also voluntary civil defense insurance - DOSAGO, or as it is also called DGO.

Let's consider these two types separately.

1. Compulsory civil liability insurance of vehicle owners (OSAGO).
   An insured event is damage to life, health or property of third parties as a result of an accident.
   The amount of compensation is limited: the limit of payments for harm to health and life is 160,000 rubles. for each victim, the property damage limit is 160,000 rubles. for all victims or 120,000 rubles. for one.
   OSAGO is mandatory for all car owners. In the absence of a policy, the owner of the car faces a fine and placing the car in a fine parking lot. In addition, without an OSAGO policy, you cannot register a car with the traffic police, pass a technical inspection.
2. Voluntary civil liability insurance of vehicle owners (DOSAGO).
   Insured events here are the same as for OSAGO, but DOSAGO comes into force only when the damage exceeds the maximum amount of compensation specified in the OSAGO Law.

   The main goal of DOSAGO is to increase the limit of liability. Obviously, the amount of payments for compulsory civil liability insurance (120 or 160 thousand rubles) is relatively small and may not cover the cost of one wing or door of an expensive foreign car. This means that you will pay the difference out of your own pocket. To prevent this from happening, DOSAGO was invented, the limits of liability for which range from 300 thousand to several million rubles. And most importantly - DOSAGO is not expensive. The usual price of a DOSAGO policy with a limit of 1-3 million rubles is only 1-5 thousand rubles.

   If you:
   - a young or inexperienced driver;
   - you live in a big city with high traffic intensity;
   - you are not sure that you will be able to pay for the repair of an expensive foreign car on your own.
   we recommend that you think about purchasing a DOSAGO policy.

3. Green card (international OSAGO policy).
   If you have to drive your car to other countries, then you need a Green Card for the duration of your stay abroad. It is called so because the form of this document in all countries is green. Without a valid policy, you simply will not be allowed into the territory of another state.
   Such insurance is obligatory abroad on the territory of 45 countries of the world that are members of the International Green Card System. These are all the states of Europe and a number of countries in Asia and Africa. The policy is issued by the insurance company of the Green Card member country and is valid on the territory of all states-participants of the agreement.

   The "Green Card" works like OSAGO. The Motor Bureau of the country in whose territory the insured event occurred shall document the accident and compensate for the damage caused to third parties by the Green Card holder staying in this country. Subsequently, these costs are compensated by the insurance company that issued the policy to its client.

   Insured events are the same as for civil defense - causing harm to life, health or property of third parties as a result of an accident. The sums insured (amounts of compensation) are established in accordance with the legislation of the country in which the accident occurred.

your car

Having got into an accident as the injured party, it is far from always possible to receive full compensation for damage under the MTPL policy of the culprit, and he may not have DOSAGO, then you will have to recover compensation through the court. This is an unpleasant and very troublesome business, not to mention the fact that the culprit may be poor, which will lead to delaying payments for months, or even years.

If you yourself made an accident and your car was damaged, then any civil defense insurance policy in this case will not help at all, its effect does not apply to the car of the culprit.

The same is with other unpleasant events, as a result of which the car is damaged, and there was no accident at all. We are talking about natural disasters, falling trees or icicles, the actions of intruders, fire or arson, a stone in the windshield, etc., etc., not to mention theft.

To protect against these troubles, there is CASCO.
This is a voluntary type of insurance that protects the property of the insured, namely the car and its additional equipment, regardless of what caused the damage to the vehicle (you can calculate the cost of the policy on the online CASCO calculator).

CASCO insurance covers two main risks:

• theft (hijacking);
• damage.

You can insure the car only against damage, without theft. This is called "partial CASCO". But to insure the vehicle only against theft, without damage, will be problematic, insurance companies are distrustful of this option for protecting the vehicle.

Your life and health

It is undeniable that any car owner is dear to his car and material well-being. But your own health, the lives of loved ones are more expensive.
To protect them, there is accident insurance (HC).
Insured event - causing harm to the life or health of the driver and passengers as a result of damage or destruction of the car. Compensation is paid to victims or their relatives in case of death, permanent disability (disability), temporary disability as a result of injuries.

NS insurance is available in two options:

• under the lump-sum system, the entire interior of the car is insured and payments are made by dividing the total sum insured by the number of victims;
• according to the system of seats, each seat in the car is insured for a certain amount.

This type of insurance is voluntary. The sum insured can be determined by the client himself. It should be noted that the tariffs for accident insurance are quite acceptable and range from 0.3 to 1% of the sum insured.

In conclusion about comprehensive auto insurance contracts.
The OSAGO policy is always a separate document of the established form, which is purchased for each vehicle. The same applies to the CASCO agreement - it is tied to a specific car.

DOSAGO and accident insurance contracts, in principle, can be drawn up as a separate document, but with a mandatory rigid link to a specific vehicle. Although this option is used extremely rarely, since insurers make every effort to ensure that the client purchases a CASCO policy in the first place, and without it they rarely insure DOSAGO and NS.

Therefore, almost all insurance companies offer comprehensive auto insurance contracts. They include all three types of voluntary insurance for a particular car: CASCO, DOSAGO, NS. At the same time, CASCO acts as the main and mandatory, and DOSAGO and the National Assembly - as additional. If the client does not want to insure additional types, then the relevant sections of the contract are not used. In order to interest the client in concluding a comprehensive agreement that includes all three types of insurance (“three in one”), insurance companies, as a rule, give significant discounts on additional types, and sometimes on all three. There are also cases when, when purchasing CASCO and DOSAGO, HC insurance is provided as a gift (or vice versa - DOSAGO as a gift when buying HC).

Therefore, if you have made a final decision on the insurance of your car and have decided on the types of protection you need, then it is advisable to conclude a comprehensive contract, and at the same time with the issuance of an OSAGO policy. This in most insurance companies will give you the opportunity to get the greatest material gain without loss of quality.

Cases of falsification of OSAGO insurance policies have become more frequent lately. In this regard, the Russian Association of Motorists (RSA), together with the government of the Russian Federation, decided to issue other forms. Let's consider the OSAGO policy of a new sample, its appearance, content, protective functions.

The information specified in OSAGO and the appearance of the policy

The most obvious difference between old and new car insurance is the change in color of the form. Previously, OSAGO was made in two tones with a predominance of green. Now "autocitizen" includes several different colors. From yellow, the policy gradually turns into pink-purple (see photo below).

The complex color design of the CMTPL of the new sample serves as additional protection against forgery.

Forms are made by Gosznak. All products of this organization provide for the presence of identification features that are difficult to fake. The new OSAGO policy is made with a higher degree of protection.

The main characteristics of the current form:

paper has a high density;

around the entire perimeter of the document there is a micromesh protective ornament;

the background image of the car is located in the center of the document;

the presence of watermarks - when viewing the form in the light, you can see the inscription "PCA" and the image of the machine;

on the form there is a metallized strip on both sides, next to it is the inscription "OSAGO", when viewed against the light, the word "policy" is visible;

there is a unique QR code that allows you to find out all the information about the insurer;

different fonts are used to complete different paragraphs of the document.

Document size is another way to protect it. It exceeds the standard A4 format by about 1 cm.

Stamp of the insurer, which must have a logo, full name, addresses and phone numbers of the organization.

A series of 3 letters and a digital document number. In 2019, all classic OSAGO forms are issued under the MMM, KKK series, EEE is valid (issued until July 2018).

Under the name of the document, its series and number, there are two fields for entering the insurance period. In the smaller block (the first one), the date of the beginning and end of the contract is indicated. The second column (larger block) is provided to designate the insurance period (up to 3 periods).

The first block of insurance contains information about the insured (his full name).

The second paragraph should contain information about the vehicle and its owner. Here they indicate the make, model, VIN number, vehicle registration number, PTS or STS number and the name of the car owner. Also, according to the new requirements, in this column it is necessary to indicate the purpose of using the vehicle (personal, educational driving or commercial activity).

The third column contains information about the drivers allowed to drive the machine. If unlimited insurance is issued, then a note about this is put in the corresponding field.

Items 4-6 are filled in automatically and contain up-to-date information on the current insurance legislation.

In the seventh block, the amount of the insurance premium is prescribed. In 2019, a table appeared in this section to indicate the coefficients.

The eighth paragraph is intended for the insurer to make special notes regarding the concluded contract (for example, details of payment documents).

The final part of the document contains the following information:

the date of the conclusion of the contract and the issuance of the policy;

signatures of both parties (with decoding of the signature of the insurer);

round "wet" seal of the insurance company.

The OSAGO policy may be invalidated if it does not bear the round seal of the insurer.

In addition, the policies of the new series differ from each other. In "KKK" on the back there is a table for indicating additional insurance contracts. MMM doesn't have it.

What does an electronic OSAGO policy look like?

According to No. 40-FZ, each insurance company must provide the opportunity to purchase policies online. In 2019, this feature is gaining more and more popularity due to the opportunity to save time on office visits and convenient ways to pay for the product. Therefore, it is important to know what an electronic OSAGO policy looks like.

There is a difference with the "autocitizen" received offline. Insurance issued at the office and e-OSAGO are distinguished by the word "electronic" in the name of the document. In addition, e-OSAGO has a series of "XXX".

The policy in electronic form is characterized by the absence of hidden and visually noticeable protective elements. The color doesn't matter either. You can print the form even on a black and white printer, and it will be legally binding.

Summing up

CMTPL policies of the new sample differ from the old forms by an enhanced degree of protection against falsification, the color of the document and the presence of a table for calculating the premium. The changes did not affect the insurance structure. The key differences between classic and electronic OSAGO are only in the name, series and protection of the document.

The presence of a car is associated for the driver not only with the benefits of using it, but also with the need to bear certain additional costs. Including these costs cover the registration of insurance for the vehicle. The legislation of the Russian Federation provides for both compulsory car insurance and several of its voluntary types. In more detail, the types of these policies, as well as the features and conditions for their execution will be discussed below.

OSAGO is a compulsory civil liability insurance of one person (in this case, the driver) to the party injured as a result of an accident or road accident. Transactions for this type of insurance are the most common, since the presence of such a policy is a mandatory legislative condition for drivers.

IMPORTANT! Without OSAGO, admission to driving a vehicle is prohibited, as well as the ability to register a car or pass a technical inspection. In addition, the driver for such a violation can be fined and take the car to a fine parking lot.

The main insured event under this policy is the infliction of harm to life, health or property of third parties during an accident. In this case, the amount of compensation is calculated based on the total damage, however, it is limited by the maximum limits:

• 500 thousand rubles per one victim - in case of harm to his life and health;
• 400 thousand rubles per victim - in case of property damage.

The cost of the policy is affected by several multiplying coefficients, which depend on such factors:

• driving experience of the client and his age;
• car power;
• region of registration;
• the presence of accidents involving the driver;
• duration of the insurance;
• the number of persons included in the policy.

Due to each of these coefficients, the final cost of the policy can be several times higher than the base rate.

The main advantages of OSAGO include:

• low cost;
• fixed rates and territorial availability of the policy (tariffs are set by law, so insurance companies cannot change them);
• compensation for damage to the injured party in an accident at the expense of the insurance company (and not the driver).

However, this insurance also has a number of disadvantages:

• limited payment (it is usually not enough to repair expensive cars);
• a small list of insured events (in particular, in case of theft of a car or its damage, the owner will not receive anything);
• no payment for the driver himself.

To expand insurance risks and receive compensation in other cases, the driver should turn to other types of car insurance.

This policy is an extended version of OSAGO, which allows you to receive a payment in a larger amount than with compulsory insurance. Its registration is voluntary and can only take place at the initiative of the driver.

DSAGO is issued subject to the availability of a valid OSAGO, however, this can happen in various insurance companies. In this case, both policies are concluded with the same validity period and for the same vehicle.

The advantage of using DSAGO is that with its help you can significantly increase the size of the compensation payment compared to compulsory insurance. The exact maximum limit is set by each insurance company, but, as a rule, it is 3 million rubles.

IMPORTANT! You can receive a payment under DSAGO only on the condition that the amount of damage is not covered by OSAGO.

In this case, the calculation of the amount occurs by subtracting the amount of the payment under OSAGO from the total amount of damage. The difference will be the amount of money that must be paid to the victim.

The main insurance risk covered by DSAGO is damage to:

• life and health of third parties (driver or passenger of another vehicle, pedestrian);
• their property (car, building, fence).

The cost of DSAGO is influenced by the same factors as with compulsory insurance, however, specific tariffs and limits on payments are already set by the insurance company. At the same time, the final price of the policy will not be too high - with a limit of 1-3 million rubles. it can amount to only a few thousand rubles.

This is another voluntary type of insurance that covers more risks than OSAGO or DSAGO. This policy does not cover civil liability, since its main purpose is property insurance. In particular, against theft or theft of a car, causing damage to it as a result of a fire or natural disasters, etc.

IMPORTANT! It is worth considering that the presence of a CASCO policy, although it is not mandatory by law, is often necessary to perform certain operations with a car. In particular, when buying a car on credit, banks always require the borrower to issue this insurance.

The main benefits of applying for CASCO include:

• the possibility of obtaining a large amount of compensation (it can be commensurate with the cost of a new car);
• an extended list of insurance risks that are included in the policy;
• receiving compensation, regardless of the presence or absence of the driver's fault.

The disadvantages are:

• high price;
• restrictions in registration for some cars (in particular, according to such a criterion as the period of use).

As for the cost of the policy, the rates for it, unlike OSAGO, are not fixed and are not set by the state. These indicators are determined individually by each insurance company, but in most cases the final price of the policy is quite high.

In order to reduce the price of insurance, many drivers issue it with a franchise, due to which the cost is reduced. In this case, after the occurrence of an insured event, the compensation will not be received in full, but taking into account the deductible.

Accident insurance

This policy is a kind of CASCO, only it includes an additional object - the life and health of the driver, as well as all passengers who were in the car at the time of the accident. In this case, an accident means:

• disaster;
• fire;
• explosion.

The policy is also voluntary and is issued only at the request of the owner of the car. Payments can be made in case of such incidents that occurred with the driver or passengers:

• wound;
• mutilation;
• disability (both permanent and temporary);
• death.

The cost of the policy is set individually by each insurance company. In addition to tariffs, it is also affected by some characteristics of the driver (for example, age). Registration is not possible for citizens who have a disability of І or ІІ groups.

Green map

This policy is an analogue of OSAGO, since it also provides for third-party liability insurance and is mandatory in some cases. Its main difference is the territory of action, which includes several dozen different countries (mainly European and CIS countries). As for Russia, the Green Card is not valid within its borders.

Mandatory form of insurance for all cars in the Russian Federation - OSAGO. The abbreviation stands for Compulsory Third Party Liability Insurance. From the definition, the essence of this document is clear, without which it is impossible to register with the traffic police, move along the roads and undergo technical inspection.

The insurance provides compensation for the cost of repairing vehicles in the event of an accident for the party injured in the collision. The guilty party repairs his car at his own expense. To receive compensation, you must contact the insurance company within a strictly specified time frame.

Since the types of OSAGO allow you to choose the most convenient car insurance scheme, many are limited to one policy. However, the modern insurance industry offers various options for protecting car owners both legally and financially.

The subtlety of understanding the functions of OSAGO lies in the fact that under this policy it is not the car or its owner that is protected from accidents and unforeseen circumstances, but the responsibility of the person who caused the accident to the injured party.

The cost of insurance is relatively low. There are different types of auto insurance, in a complex allowing you to protect yourself in a variety of situations. If the car was in an accident, the culprit will pay for the repair of the victim's car, regardless of their own desire.

Payments are made by the insurance company, to which it is necessary to submit all the circumstances of the incident, documents issued by the traffic police, checks and invoices confirming the cost of repairs. The insurance company reviews the case and makes payments.

All payments that can be received under OSAGO are strictly regulated. Only that amount is paid, which does not exceed the limit on OSAGO. Insurance issued for a car does not include life and health insurance for the owner and driver of the car.

OSAGO can be issued not only for individuals, but also for companies, auto insurance is mandatory. The cost of an insurance policy for a careful driver who avoids an accident becomes lower. Theft and theft of things from the car interior are not included in the list of insured events under OSAGO.

Types of car insurance in Russia

In the Russian Federation, it is allowed to issue several different policies for your car.

Types of car insurance for citizens and legal entities:

• OSAGO (mandatory);
• CASCO - voluntary insurance;
• DSAGO - car owner's liability insurance on a voluntary basis.

OSAGO is a necessary precaution, which is dictated by the state. OSAGO, in turn, implies different types of insurance. There are several types of such policies, and in the event of an accident, the amounts of compensation also differ.

Voluntary CASCO insurance more fully covers the range of insurance services for car owners. A detailed description of the CASCO risks also includes theft, accidental damage to the car in the parking lot and car theft. OSAGO does not apply to these cases.

This policy can be full or partial, its execution is carried out only on a voluntary basis. CASCO and OSAGO are similar, but do not duplicate each other. To apply for CASCO, you will need to take into account the make of the car and its price category, age, driving experience, place of residence (regions differ in coefficients) and the engine power of the car.

CASCO allows you to get insurance in case of car theft, burglary attempts, scratches, dents received during parking or in the parking lot and natural disasters. CASCO is often used in combination with OSAGO.

In Russia, there is another type of insurance - DSAGO. It is under this policy that the limit of compensation paid can be raised to 1-3 million rubles by paying the policy in the amount of 1,000 - 5,000 rubles. DSAGO consists of liability insurance and the property itself. This is additional and completely voluntary insurance. In combination with OSAGO, this policy allows you to receive significantly larger payments under the standard OSAGO policy.

What type of OSAGO insurance

If compulsory insurance cannot be canceled, then voluntary insurance is issued solely at the request of the car owner. However, it is the latter that help to significantly increase the amount of compensation and expand the scope of the policy.

Such policies (CASCO, DSAGO) are more expensive. The decision which type of OSAGO insurance to choose depends on the class and cost of the car, the place of its storage (underground garage, parking in a closed house area, in the parking lot, near the house).

Within the OSAGO insurance system, there are subspecies of insurance programs for different cases. The territory determines the multiplying factors where transport is used. When traveling to another city, the coefficient changes. Voluntary types of insurance are more expensive, but provide coverage for more car accidents.

The cost of a compulsory policy depends on several factors.:

1. Base rate;
2. Duration of the insurance period;
3. History of the car owner (number and frequency of accidents);
4. Reducing and increasing coefficients.

For individuals and legal entities, the cost of the policy varies. It is allowed to include several persons who can be driving a car in one policy. This will increase the cost of the policy, but for some firms and individual entrepreneurs it is an indispensable condition. The liability of the driver of a freight or special transport must also be insured.

Types of OSAGO insurance

Type of car insurance	Accident liability insurance			Accident car insurance	Life and health insurance
Name of car insurance	OSAGO		DOSAGO	CASCO	Driver insurance
Insurance type	obligatory		voluntary
Policyholder	culprit of the accident
Beneficiary	Injured in an accident due to the fault of the insured		policyholder		Passengers of the policyholder's car
Maximum payout amount	If the car is destroyed in an accident or the cost of repairs exceeds the amount: 400 000 rub. (property) 600 000 rub. (health and life of people)	impressive amount	market value of the insured car		impressive amount

Since an insurance policy is necessary in different circumstances, a division by type of insurance is provided for different periods and for different operating conditions.

In 2019, OSAGO differs in terms and is issued in two types:

• Limited insurance;
• No limits.

The policy can be submitted in paper or electronic form. There is also a travel type of insurance. Every year there are new varieties of paper policies. They differ in color and form of protection. At the moment, a metallized strip sewn into the paper indicates that the policy is original. Changes are needed in order to protect car owners from scammers.

With or without restrictions

The most common types of insurance are divided into OSAGO with and without restrictions. Limited insurance is valid only for a certain number of people who will receive permission to drive the insured vehicle. The rules prohibit anyone who is not included in a valid insurance policy from driving.

If this is discovered, the car owner will have to pay a fine. In the event of an accident, insurance payments will not be made, but the victim will still receive compensation for damage from the personal funds of the culprit. By limiting the circle of people, the risks of entrusting the car to an inexperienced or unnecessary driver are reduced.

An extended insurance policy without restrictions does not regulate in any way who can drive a car (if drivers have valid rights).

The cost of OSAGO insurance is noticeably higher than that with restrictions, but anyone who the owner trusts can drive this vehicle. For a family, a policy with restrictions is beneficial, for a company without. However, what exactly to choose is decided by the owner of the transport.

By deadline

The terms of validity of OSAGO insurance policies vary, but it is not allowed to choose them arbitrarily. For all insurance programs, there is a grid quarter, six months and a year. You can choose one of the options and those who drive the car into the garage for the winter until spring prefer shorter insurance periods. For summer residents there is a seasonal one, which is very convenient in terms of saving money when applying for insurance.

By choosing a short-term policy, the car owner will save money in order to additionally purchase DSAGO insurance. Thus, all risks of damage to property and health will be foreseen and the person will be protected not only in terms of compliance with duties, but also in terms of protecting his property rights. Individuals receive a large amount of compensation.

Types of insured events

It is not possible to receive money under OSAGO in all cases. Each insurance company provides the client with a list of cases in which compensation is expected.

In insurance practice, all insured events are divided into several categories.:

1. Social;
2. property;
3. Responsibility;
4. Personal;
5. Entrepreneurial activity.

If the property status of a person has changed, then social insurance will provide support during this period. Such circumstances include retirement, disability, termination of employment for a good reason.

One of the cases of insurance coverage is the death of the breadwinner. In this case, the insurance company provides support to the family of the deceased. The OSAGO policy insures precisely on the principle of compliance with social responsibility.

Protection of property and material assets from loss or loss belongs to the property category. In this case, compensation is made if the material values ​​​​of the insured citizen are harmed, detracting from their value. It is this type that includes such types of auto insurance as CASCO and DSAGO.

Factor	Criteria for increasing the cost of insurance
Policy type	Greater variety of considered insured events
Driving Experience	little driving experience
Brand TS	Demand among car thieves
Vehicle characteristics	Large size and power of the car
Signaling	The unreliability of the applied PS or its absence
Accident frequency	A large number of accidents in a certain period
Vehicle cost	More expensive cars
Place of registration of the insured	Large city with larger population
Term of insurance	Short term insurance

Payout classification

A citizen receives auto insurance if it is written in detail in the insurance contract he has concluded. The payment covers damage that is the result of an accident, traffic accident or other traffic accident. The amount of compensation under the OSAGO policy is determined by the rules.

It depends on the type of compensation.:

1. For property;
2. For health.

If two cars were damaged in an accident on the road, then the insurance company will not pay more than 120,000 rubles. If there were three or more participants in the accident, then the limit is limited to 160,000 rubles. It is impossible to get more than 400,000 rubles under one policy, these are the OSAGO norms.

In case of accidents, without delay, transfer the documents to the insurance company (for example, the protocol and scheme of the incident), determine the amount of damage and expect payment.

As a rule, the named amounts are needed to repair the car. Damage to health is more difficult to assess, but amounts exceeding the compensation limit are rarely required. Compensation for damage to property, which turns out to be more than stipulated by OSAGO, is paid by the perpetrator of the accident from his own funds.