Do I need a new driver?
Do I need a new driver?
Experts believe that a voluntary policyCASCO insurance is a necessity for drivers with any experience of driving, and for beginners even more so. According to statistics, almost fifty percent of road accidents on Russian roads are caused by drivers with experience up to 5 years. The number of minor accidents involving newcomers is even greater.
With a high probability of participation in an accident, a newcomerIt is worth seriously thinking about choosing auto insurance. In some cases, you do not have to doubt whether you need to buy CASCO, because often machines are purchased on credit.
Banks set the main requirement for the loan - commercial insurance.
Compulsory insurance
OSAGO is compulsory insurancecivil liability, is mandatory for all, without exception, drivers. The monetary funds under the MTPL policy are paid in the event that the insured person caused any damage to another person as a result of an accident. If you are the culprit of the accident, the money will be received by the injured party, if you are injured, demand compensation for the damage by insuring the culprit.Voluntary insurance
CASCO - voluntary motor transport insurancemeans, which can be defined as "all inclusive". This insurance covers risks not only in the case of accidents, but also in case of fire, hijacking and others. It should be noted that in the case of an accident, regardless of who is the culprit, the damage to the insured will be reimbursed in full. The only drawback of CASCO is its high cost, which is calculated by a complex formula and depends on various factors, for example, the age of the car, the driving experience of the insured. Having obtained the right, the beginning driver at first feels uncomfortable on the road, does not know how to behave properly , quickly assess the situation and respond to it. This happens in 99% of cases with beginners. Such a driver is dangerous on the road, not only for other drivers, but for himself.Start driving with CASCO, it will be very useful. CASCO is suitable for drivers whose experience has not reached two years.For beginners, this is an excellent insurance, whichwill cover a maximum of risks, ranging from minor breakdowns, for example, a broken bumper on the curb, ending with a serious accident. As a result, it can be seen that without OSAGO it would be possible to get by, since CASCO insurance covers all risks. But since OSAGO is compulsory insurance, the best solution will be clearance and CASCO including. Many are afraid that the cost of CASCO is high, and insurance cases may not occur, and it turns out that the money was wasted.
In this case, you can not buy CASCO, and postpone the money in the amount of its value, creating your fund, regularly replenish this stock by any amount.In case of an accident, you have funds for repairs, otherwise you will save a decent amount, perhaps even a new car.
