Vehicle insurance: types and their differences

Date:

2019-08-26 05:00:21

Views:

525

Rating:

1Like 0Dislike

Share:

Table of contents:

Vehicle Insurance can be divided into several groups. This is due to the fact that the legal basis of insurable interest can be ownership rights or use of the vehicle and the occurrence of any of the obligations to the persons whose property interests, life or health was harmed.

The Main directions of motor insurance are the following:

• vehicle insurance;

• liability of owners;

• accident insurance for both owners and passengers.

The Most common options – insurance:

vehicles, protecting the interests of their owners, associated with the vehicle;

- civil liability defending the rights of the user before the claims of the injured party.

Prior To July 1, 2003 in Russia, the vehicle insurance was voluntary. Today, his civil liability is required to insure any car owner. The relevant law was passed in order for the damage to victims, their life, health or affected properties were guaranteed to be repaid. Now all the owners of the vehicle be sure to pay insurance premium and have the policy, without this document a car on the territory of the Russian Federation cannot be used. The cost of the policy depends on the length and accuracy of the driver, thus, the motorist financial interest in road safety.

Car Insurance can occur under the following conditions, which involve different types of risks.

1. “the Hull». The focus of this type of insurance fall accidents, fires, natural disasters, theft, theft of parts, breakage of glass, falling objects. Interest can also be extended to additional equipment installed on the vehicle and is its integral part. Tariffs for “Mod” for the works of the domestic automobile industry, most companies now range from 5 to 13 percent of the appraised value of the car or from a specific insurance amount. If voluntary car insurance is issued on a car, the payment could rise to 18 percent of the price of a new car.

Recommended

"IZH 350 Planeta Sport" – frisky Soviet bike

It is believed that of the entire line of Soviet motorcycles "IZH" truly sporty just one. It is easy to guess that it was "IZH 350 Planeta Sport".History motorcycleIn 1973 the factory "Izhmash" was made a real breakthrough: the line went down the fir...

How does the rear bushing front arm and how many it serves?

How does the rear bushing front arm and how many it serves?

The Rear bushing front arm – one of the constituent elements of the vehicle chassis. He refers to the guide elements of the suspension together with the levers endures tremendous stress with wheels. However, with this this item, there are many ...

Oil consumption in the engine. Six reasons

Oil consumption in the engine. Six reasons

It is Hardly possible to find a motorist who would not be worried about the increased oil consumption. It is especially annoying when it happens with another new motor. Here are the most common causes that result in the consumption of oil in the engi...

2. “Avtokombi”. It relates to a wide range of risks that can be associated with the operation of the vehicle. To the insured the damages that were caused by loss or damage to the vehicle and causing any kind of harm to the health and lives of victims or their property while using the vehicle. Also within the scope of the insurance interests of “avtokombi” included injury to occupants, damage to baggage or other things that are available in the salon. There is, however, a reservation that the Luggage insurance does not apply to unique or antique items, jewelry made of precious metals, semi-precious and precious stones, religious items, collections, manuscripts, paintings, securities and money, documents and photos. Do not apply to the personal Luggage of things that are not the property of the family of the policyholder or intended for sale.

3. The liability insurance. This type of insurance made in accordance with the new law on mandatory liability insurance of vehicle owners. For citizens of the Russian Federation, this type of insurance is mandatory, as well as for foreign citizens living in Russia. The subject of liability is the damage caused by the driver to the property or to the health and lives of people in a traffic accident.

4. Insurance from a variety of accidents, second name – insurance places. Its object is the life and health of driver and passengers. The contract is concluded either by a system of places (the amount of insurance is determined for each seat in the vehicle), or the flat-rate system (for whole car). Ensure payable if the accident resulted in death, disability or incapacity to work for more than 4 months.


Article in other languages:

AR: https://tostpost.com/ar/cars/19029-vehicle-insurance-types-and-their-differences.html

BE: https://tostpost.com/be/a-tamab-l/36243-strahavanne-transpartnyh-srodka-v-dy-h-adroznenn.html

DE: https://tostpost.com/de/autos/35910-kfz-versicherung-arten-und-ihre-unterschiede.html

ES: https://tostpost.com/es/coches/35741-el-seguro-de-veh-culos-los-tipos-y-sus-diferencias.html

HI: https://tostpost.com/hi/cars/20720-vehicle-insurance-types-and-their-differences.html

JA: https://tostpost.com/ja/cars/18689-vehicle-insurance-types-and-their-differences.html

KK: https://tostpost.com/kk/avtomobil-der/36543-sa-tandyru-k-l-k-raldary-t-rler-men-olardy-ayyrmashyly-tary.html

PL: https://tostpost.com/pl/samochody/37789-ubezpieczenie-pojazd-w-rodzaje-i-ich-r-nice.html

PT: https://tostpost.com/pt/carros/37564-seguro-de-ve-culos-tipos-e-suas-diferen-as.html

TR: https://tostpost.com/tr/arabalar/33025-ara-lar-n-sigortalanmas-t-rleri-ve-farkl-l-klar.html

UK: https://tostpost.com/uk/avtomob-l/36845-strahuvannya-transportnih-zasob-v-vidi-h-v-dm-nnost.html

ZH: https://tostpost.com/zh/cars/13981-vehicle-insurance-types-and-their-differences.html






Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

Comments (0)

This article has no comment, be the first!

Add comment

Related News

How to choose a scooter? Five tips

How to choose a scooter? Five tips

With the onset of warm days, many people are thinking about buying a scooter. Even some motorists to change to this more convenient and economical vehicle. Here a reasonable question arises on how to choose a scooter.1. For a star...

Where Now In Moscow It Is Possible To Buy A Breathalyzer?

Where Now In Moscow It Is Possible To Buy A Breathalyzer?

 Many drivers have understood and appreciated the importance of using specialized equipment in the car, and in his personal life, and therefore are looking for a breathalyzer in Moscow very actively. And not in vain they try ...

The vibration table to diagnose car suspension: description, features and working principle

The vibration table to diagnose car suspension: description, features and working principle

Various malfunctions in the suspension systems of vehicles can lead to unpleasant consequences. The car can go into a skid when entering a turn and thereby cause a serious accident. You need to understand that any breakage in the ...

Continental ContiWinterContact TS 860: reviews, overview, specifications, characteristics

Continental ContiWinterContact TS 860: reviews, overview, specifications, characteristics

In the winter time, all motorists there is a very acute problem – you need to choose and buy winter tyres. Some tires already, but usually they are already worn out, as there are several seasons. Winter conditions are partic...

"Ford f-650": the most interesting things about the jeep overall American production

“Ford f-650” – a car that, like a magnet, attracts the views. And it is clear why: because the jeep is almost three feet tall, it is impossible not to notice. No wonder he was called “mammoth”. But th...

The Assembly of the box

The Assembly of the box "IZH-the planet 5": detailed instructions, diagram and recommendations

the Assembly of the box "IZH-the planet 5” are often carried out during its repair or replacement of parts. This node does not have high reliability. This is due to low quality components, poor Assembly, bad requirement...