Insurance payments under MTPL are severely limited by the state. The maximum in 2014 is 120 thousand rubles.
In order to increase this amount, it is necessary to purchase the policy of extended MTPL. It provides additional insurance for motor vehicle liability.
Another name for the policy is DSAGO.
Benefits of DSAGO
Sometimes perpetrators of road accidents have to payExpenses for the restoration of the car independently, due to the fact that the compulsory motor third party liability insurance policy can not cover all damage.
Additional agreement is requiredFranchise. Thus, if the amount of insurance was 50,000, then after signing the AAAS for the amount of 100,000 the insurance limit increases to one hundred thousand, and does not increase by this amount.
Expanded OSAGO is the solution to this problem. DSAGO is nothing more than an addition to a standard insurance policy. In the event that an expensive car is involved in the accident, its repair can cost a huge amount, and only an addition to the standard insurance gives a guarantee of the peace of the driver as a participant in the traffic. This policy allows you to increase the amount of insurance payments to any desired amount.
The task of DSAGO
The main task of the AAAC is to assist in theCompensation of damage after an accident in those cases when the usual insurance does not cover losses. In the contract, expenses can be prescribed not only for the restoration of the car, but also for the treatment of the victims.
Insurance of OSAGO and DSAGO can be issued in different insurance companies. The deadlines for both policies terminate on the same day, regardless of when they were issued.
Insurance companies offer different options for additional car insurance. The cost of a policy depends on the amount of insurance payments. The maximum in this case is absent.
The cost of the DSAGO policy depends on the amount of payments, the term of insurance and the additional terms of the contract. On average, it ranges from 500 to 3000 rubles. In some cases, it may be higher.
Each additional contract with the insurance company operates within the framework of the basic insurance and authorizes the management of the vehicle to all who have a legal basis for this.
DSAGO and CASCO
CASCO usually provides for the repair of your own car in the event of an accident.
At the moment, the share of DSAGO is no more than 14% of the total number of insured vehicles. This figure is growing every year, but not too fast.
If the driver is found guilty, and the limit of OSAGO is notWill cover expenses, repair of the second damaged car should be paid at own expense. Additional MTPL allows you to solve this problem and get rid of unnecessary costs.