DGO insurance is a very useful tool that acquires special relevance during a period of increased risk of accidents. In particular, we are talking about the winter season, when weather conditions worsen and the number of accidents increases.
Features
There is an opinion that DGO insurance is a must. In fact, we are talking about a voluntary instrument of civil liability. DGO insurance is an addition to CTP. In the latter case, we are talking
about compulsory motor third party liability insurance. When applying for a CASCO, it should be clarified whether the DGO is included in the package of services.
Some customers exclude this service to reduce insurance premiums. At the same time, the level of protection is significantly reduced. It should be noted that the payment to the victim under the insurance policy, in accordance with the law, is limited: 120,000 rubles for property and 160 thousand rubles. "For health."
DGO insurance is a tool that allows you to expand the level of liability of the insured, which he bears before the victims. First, the payment of compensation is made through the insurance policy. The next step is to receive funds for DGO. This sequence should be remembered.
Examples
DGO insurance is legal, and how it works, we will consider in practice. Let's start with a simple example. Suppose two cars collide. The vehicle of the victim suffered damage in the amount of 152570 rubles. In this case, the compensation under the insurance policy will be 120,000 p. In the absence of DGO 32500 p. will have to pay by yourself. This problem can be solved through a policy of 300,000 p., Which will cost 500 p.
Consider another example. Suppose two cars collide while damaging a bus stop. Damage to the vehicle of the victim is 174800 p., And urban construction - 317500 p. Under compulsory motor liability insurance, the amount of compensation will be 160,000 p. In this case, the damage is paid to several victims.
Without DGO 332300 p. will have to pay by yourself. A policy for 500,000 p, which costs 900 p, can help solve this problem. In cases involving damage to health and life, everything happens according to the above algorithm, only the numbers of payments, as a rule, increase.
additional information
DGO insurance is a service that various companies provide. The terms of provision may vary depending on the company, but more often than not, 100% loss compensation is provided. At the same time, wear of spare parts is often not taken into account. The insurer can supplement the policy with auxiliary services, for example: Ambulance and Emergency Commissioner. At the service of customers is the dispatching service of the company, which, as a rule, operates around the clock. In the event of an insured event, specialist advice can be obtained at any time. Without a weekend work and centers for the settlement of losses. A standard contract with the company is concluded for one year. The cost of the policy may depend on the type of vehicle, age of the car, driving experience, the number of persons allowed to drive the car.
In order not to fall for the “trick” that some companies use, important information should be clarified before entering into an agreement. In particular, ask about whether the policy applies to all persons who drive a car legally.