What will insurance?

Compulsory insurance of civil liability of vehicle owners have appeared in Russia July 1, 2003. Then a law requiring a mandatory buy an insurance policy caused an uproar among the public. But just a few years, people have calmed down and appreciate the need to institute compulsory motor TPL insurance. The cost of this insurance is determined on the basis of the base rate set by the government. At the moment it is 1,980 rubles. Next to it applied different rates. On the price policy is also affected: the type and capacity of the vehicle, driving experience, number of previous accidents. Main use OSAGO is to protect the financial risks that arise when hit in the accident. For example, if the insured person was the culprit in a collision with another car, all the material loss for the damaged property the victim pays the insurance company. Given that the damage could amount to tens of thousands of rubles, and insurance cost only a few thousand - the benefits are obvious. Maximum payout is limited to 400 thousand rubles. - Up to 240 thousand rubles. of compensation injury and up to 160 thousand rubles. - For damage to the vehicle. To obtain policy OSAGO you need the following documents: national passport, vehicle registration document or certificate of registration, driver's license. At a meeting with the insurer you should write an application for coverage. It is necessary to consider that issue OSAGO can not all insurance companies, but only those that are part of the Russian Union of Insurers. It is this organization shall be liable to the insured, if the policyholder can not meet its obligations. If the defense OSAGO you feel inadequate, you can keep your car in the "hull". In this case, the policy will cost ten times more expensive, but it will provide comprehensive protection for your vehicle.