Why do I need DSAGO?

As a rule, car owners are limited to only the compulsory civil liability motor. However, they do not consider that in the event of an accident, DSAGO can substantially increase the amount of compensation. DSAGO - it is a voluntary third party liability insurance. He needed when the insurance payoff is not enough. For example, when it comes to major accident, which damaged several cars or even one car, but expensive brand. Judge for yourself at segodnyany day maximum payoff is 400 thousand rubles. Moreover, the compensation for harm caused to life or health of one person, it is envisaged - to 160 thousand rubles. And for the costs of restoring damaged property - a maximum of 120 thousand rubles. In this scenario, offset by funds actually may not be enough, and then you would pay out of pocket. In this case it is better to explore the policy DSAGO. Types of insurance at the moment there are three types of insurance policy DSAGO: • Application of life and health of third parties; • Harming property of third parties; • Full insurance: damage to the health (life), as well as property. Conditions of registration Firstly, we should not forget that the issue DSAGO policy is possible only after obtaining OSAGO and payments thereon are made only in case where compensation for compulsory motor TPL insurance does not cover the damage. Thus, each insurance company sets its limit makismum within which can be insured. Amounts range from $ 10-15 thousand to $ 50 thousand, and sometimes $ 1 million! For registration policy DSAGO need the following documents: passport, driving license, PTS (vehicle registration document) or a certificate of registration of the vehicle. If the machine is operated by several people, then the need and authorization to drive the car. Then DSAGO issued either as a separate policy or as dopolniteolnoe agreement to the hull. At the same time with the company-insurer before the liability limit is discussed. Normally the contract is for one year, but it all depends also on the main insurance policy. For example, some insurers establish a connection between the two insurance policies on the expiration date. By the way, is not necessarily the case that your car will want to inspect. Sometimes it is not required. True, if it comes to large payments in the accident, then the company may wish to look at cars. But she does is just to make sure you are not a crook. How much will it cost? The cost of policy DSAGO the following factors: - the type of vehicle - liability limits - term contract - year - engine power - the age and driving experience - sex (in some companies, insurance costs more women than men); - the number of people who are allowed to control cars. In this case, the cost DSAGO usually 0,2 - 0,3% of the sum insured. For example, if you choose DSAGO of $ 10-15 thousand, over the policy itself you have to pay about 600 to 1000 rubles, and if the $ 1 million, the annual fee of more than $ 100. In a word: the more you want to secure a car, the more you will DSAGO.