Auto insurance car

To date, car insurance in Russia is represented by two main types - this CTP and helmets. Mandatory Insurance Auto Civil Responsibility includes coverage for damage caused by you to third parties. This insurance became mandatory a few years ago and is a necessity of modern life in a growing number of cars and, as a consequence, the various conflict situations. CTP - insurance and your liability to compensate for damage to property and health of the innocent party. The cost of CTP insurance policy depends on the brand of the car, and from the region with a factor which influences the final cost of insurance. In addition, in the case of accident-free driving, the driver gets a discount promotion on payment of the policy. Your insurance company is required to cover damage to you while driving and pay a body repair BMW or any other vehicle of the injured party. CASCO - insurance of the car, allowing to cover the costs of vehicle damage in traffic accidents, as well as in the case of theft or total destruction of your vehicle. However, this does not cover damage to property or health of the driver or passengers. Typically, the policy cost the car owner in Hull the sum of five to ten percent of the car. However, the hull includes several insurance options - full and partial, which have different costs and conditions. For example, one of the cheapest insurance package includes hull condition in which the insurance company does not assume responsibility for keeping the car in the dark. It is convenient and economical to owners whose vehicles spend the night at the secure parking garage. Also, be sensible with minor injuries on their own to contact the service station and repair of BMW to conduct their own expense, referring to the insurance company for compensation of more significant damage, such as theft or total destruction of the vehicle. Franchise is a prerequisite for insurance on your vehicle's hull. This is part of the losses of insurance companies, which is not payable on insurance cases. With a franchise Motor Insurers warn their potential losses, citing the vehicle owner to be as careful in the insured vehicle. Franchise can be represented as a fixed amount or percentage of the value of the car and increase upon the occurrence of each subsequent accident. By the way, CASCO insurance does not apply to material compensation for repair of units and units of the car as a result of wear and tear - for example, to repair the engine of BMW.