Thread: Execute the policy. What it gives and what influences the price (Ukraine)

 
Cars have become an integral part of our lives, in recent years actively developing insurance. But in this case we are not talking about the insurance of the car, and about the owners liability insurance, that is, as they say, "car insurance". CTP policies or compulsory civil liability insurance introduced in Ukraine as a mandatory type of insurance in 2005, and since 2008 he has tightened control over their drivers have.



But, unfortunately, most car owners do not understand why they need this type of insurance and believe that the state in General, and the traffic police and insurance companies in particular, just an honest way to take money from citizens. So I need to present accessible and understandable language the main points of this type of insurance.



So the first and most important question "why have a policy?". To start decipher abbreviations.

• [] OSAGO-compulsory motor third party liability insurance
  [] MTPL-insurance of civil liability

I.e. concepts CTP and Compulsory civil liability insurance identical and emphasize that liability insurance is mandatory. That is, buying the policy, the driver is insured the third party liability in case of accident. In any traffic accident is the culprit and the victim.

May suffer man (hit a pedestrian or a car or some other property is third person. The cause of the incident occurs before them the responsibility, he must compensate the damage. If the culprit was not a policy that all compensation he would have paid for itself - for the treatment of a pedestrian, for the repair of damaged vehicle for repair of post or fence, in which he entered. But if the culprit of the compulsory insurance for all these types of damage pays insurance company, where he bought the policy. Thus, entering into use policies, the state has protected the interests of its citizens. Because the vast majority of people are not able to just take and put thousands and even tens of thousands of UAH, respectively, things are moving in the courts, the court shall issue an order for the recovery from a person's amount, it can take years.

The second question "what do the sum on the policy, where they come from?". These amounts - the limits of liability and deductible. The limit of liability is the amount for which the insurance company pays the damages. For damage caused to life and health of people, the liability limit is 100 000 UAH; for damage to property of third persons - UAH 50 000.

Franchise part of the money that the insurance company does not pay, the deductible is 2% limit on property, that is, at the present time is 1000 UAH, also the deductible may be zero (but this makes the policy more expensive).

Let us consider an example:

The owner And bought a policy with a deductible of 1000 UAH.
Situation 1. And knocked over a pedestrian B, the treatment cost 15 000 UAH.
The insurance company may pay compensation to a pedestrian within a 100 000 UAH. In this case, the amount of treatment is included in the limit and the injured pedestrian B will receive 15 000 UAH. The number of people affected by the actions of the driver And, unlimited - how was hit by so many and will pay (but not more than one hundred thousand each), and the franchise to people not used much he spent on the treatment you get as much without any deductions.
Situation 2. And not to keep a distance and drove into the rear of the car Century And is the perpetrator, the victims. Car repairs In costs 7 000 UAH. In this case, fear. the company will pay In the amount of 6 000
UAH (damage 7 000 minus the deductible of 1000). The number of vehicles affected and the owners of which can
to receive compensation is limited to five (no more than 50 000 each) minus the deductible of 1000 UAH. This thousand culprit And will pay with their own money.

The third question is very urgent - "how do you calculate the cost of the policy?". After all the recent innovations driving experience and the number of drivers in the calculation does not include. To determine the cost of the policy role play:

• [] area of preferential use of the machine (the insurance company takes title and looks what MREO registered aut-l). The larger the city, the more expensive the policy;
  [] type of vehicle (motorcycle, passenger, truck, bus) the more the more expensive machine policy;
  [] franchise, which chose the buyer (as is clear from the example-zero is better).
  [] the duration of the policy. Standard-one year, but there are cases where policy year registration impossible.

And finally, the fourth question (occurs in those who are faced with payment) "why are companies so long to pay or not pay at all?".

Terms of payment of insurance compensation to the victim defined by law, the count of days begins from the date of receipt of the last document, and are only working days. And very often people wanting to quickly get money, do not perform the basic rules and bring to the insurance company basic documents (e.g. passports) as much as a couple of months after the event, incorrectly specify their details on the transfer of money and a lot of other situations. Conclusion - you must provide all the documents that you require. Almost all fear. companies the decision to pay is not made by the employee who leads your business and collects documents, and people from the head office of the company, which can reproduce the picture of what happened only with documents.



Of course, this type insurance like all other areas of our life has many nuances, all of them cover at one time is impossible, but still, I hope that understood the necessity of purchasing the policy and its purpose.