The auto insurance (car insurance) or insurance of land transport (vehicle insurance) is a class of insurance of cars, trucks, buses, motorcycles, boats, motor boats and other means of transport, as well as drivers and passengers, which includes: – the insurance of the driver and passengers in case of injuries in road accidents; – the […]
The auto insurance (car insurance) or insurance of land transport (vehicle insurance) is a class of insurance of cars, trucks, buses, motorcycles, boats, motor boats and other means of transport, as well as drivers and passengers, which includes:
– the insurance of the driver and passengers in case of injuries in road accidents;
– the insurance of the medical expenses resulting from the accidents;
– the insurance in case of death resulting from the accident;
– the vehicle insurance (CASCO) in case of damage or total loss as a result of an accident;
– the insurance of the liability of the owner of the vehicle from the damage caused to third parties in connection with the operation of a car or motorcycle (compulsory insurance of civil liability of vehicle owners – OSAGO).
The objects of the insurance in motor insurance – insurance may be taken on all kinds of vehicles (trucks and cars, buses, motorcycles, trailers and semitrailers) of the domestic and foreign production.
The insurance options – a classic 1-year, short-term, before the first insured case with the liability in the weekend, guilty or not guilty, or a limited liability for the winter.
The insurance risks which cover auto insurance:
– the hull insurance (insurance against damage and theft);
– the damage (insurance only against damage);
– the additional equipment (insurance is not included in the factory installed car radio, speakers, antennas, discs, etc.);
– the civil liability driver (third party insurance for injury to their property, life or health; covers losses to victims, not covered by the program of compulsory liability insurance of car owners);
– the accident (the passenger insurance in the event of death or personal injury resulting from a traffic accident).
On the tariff on motor influences the brand and model of the vehicle, car price, and / or additional equipment, year, driving experience, the number of insured vehicles and drivers, the period of the contract, the amount of deductible depreciation wear parts, the form of payment, the amount of covered risks.
The insurance companies in the auto insurance contracts to pay all costs associated with restoration of the vehicle, received mechanical damage due to accident, fire, natural disaster, falling rocks, falling objects, wrongful acts of third parties, as well as in the case of vehicle theft.
The protection of such a treaty can be extended to additional equipment installed on the vehicle, as well as the lives and health of the occupants.
The car insurance contract is usually accompanied by the services of specialized assistance services.
The car insurance guarantees will allow you to face the future with any insurance case confidently, save your time and money. The amount of regular payments on the insurance policy will be considerably less than what you spend on restoring your car or buying a new car in the absence of car insurance.
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