Insurance of OSAGO

Every day hundreds of cars, filling motorways and roads, constantly expose to itself the risk. And a risk is responsibility. Obligatory public liability of proprietors of transport vehicles insurance, i.e. OSAGO, appeared in our country in 2003.

This type of insurance is regulated by the state and sent to the guarantees of compensation, in case of occurring of accidents insured, i.e. DTP, accidents etc.

Insurance on OSAGO is obligatory for all proprietors of some transport. Insurance tariffs Government expects and asserts. The size of insurance bonus that annually has to be paid to the autoproprietor depends on engine, experience of driver, age of driver, presence of DTP for the last years power. If your experience makes less than three years, or your age does not exceed 22, then at a calculation enhanceable coefficients are used.

Similarly a region a car is registered in that influences on the size of insurance bonus. An insurance bonus depends and from the amount of the trusted persons prescribed in an insurance policy. The amount of the applied coefficients can go down, if a car follows registration to the place, or it is registered abroad.

In any case a damage to the person limits on insurance of OSAGO. So, at a damnification to life and health of victim, a compensation can not exceed 160 thousand roubles. And at detrimenting to property will pay no more than 120 thousand roubles on one victim, and no more than 160 thousand roubles, if victims a few. In the cases of death of victim, 135 thousand roubles rely his relatives.

If a person, causing harm, was not insured, or it is unknown, then compensative payments are carried out by РСА. Also on her all duties lie down on a compensation in the cases of bankruptcy of insurers. Thus, the maximum sizes of amounts covered do not change.