Extended MTPL insurance is DSAGO (voluntary insurance): conditions, advantages and disadvantages

A valid civil liability policy is an indispensable condition for the use of a car. Domestic motorists confidently distinguish the compulsory MTPL insurance policy, which guarantees the protection of injured persons, and the CASCO policy, which compensates for damage regardless of who was responsible for the accident. At the moment, the third option of motor third party liability insurance is gaining momentum - extended compulsory motor third party liability insurance. It is also called a voluntary autocitizen - DSAGO. Let's figure out what the features of this package are and what are its advantages.

Unlimited OSAGO

The standard car insurance policy has its own coverage limits. The sum for compulsory motor TPL insurance without additional services is guaranteed by the state and can not be increased. Therefore, in particularly severe cases, when the great damage is proved by the court, the culprit has to pay extra for the victim from his own pocket. The same norm is fixed in the Civil Code of the Russian Federation, art. 1072, according to which, it is the culprit of the accident that is fully responsible for the liquidation of the damage. In this case, a special version of OSAGO will help. DSAGO allows you to fully pay compensation to the victim due to increased insurance limits. It is worth such insurance is more expensive, but it has more coverage. The amount of payments under the extended MTPL is up to 15 million rubles. Therefore, if you are not satisfied with the standard package of auto-civil liability, and you want more, you can issue extended insurance. Especially relevant is the OSAGO for beginners, who recently sat behind the wheel.

Many companies offer extended packages, which include additional services. Extended MTPL from stealing will help to get compensation in case of auto theft. Experienced motorists, accident-free experience of which exceeds three years, can easily register MTPL without additional services - driving experience is a reliable guarantee that even in the event of an accident, the damage will be minimal.

Characteristics of DSAGO

Extended insurance of MTPL is characterized as follows:

• DSAGO is an integral part of the MTPL policy. Without a compulsory auto citizen, it is impossible to formalize a voluntary liability insurance package;
• The final cost, basic requirements and the amount of obligatory payments shall be established by the representatives of the insurer;
• The time of payments for extended MTPL insurance comes only after the limit on compulsory motor insurance is exhausted.

What are the advantages of DSAGO?

Voluntary insurance has a number of advantages over the standard "autocitizen":

• The insurance case for voluntary auto insurance is completely identical with the OSAGO;
• Payments for AAAC are commenced only when the compulsory car carrier can not cover the amount of damage;
• The amount of possible payments is unlimited, only the final limit of compensation has value.

CASCO and OSAGO

Drivers should remember that CASCO and DSAGO are different insurance policies. What unites them is that both that and the other document are voluntary types of insurance. The difference is more significant. DSAGO is a more extended version of the standard autocitizen - payments for this type of insurance are carried out in favor of persons affected by the actions of the owner of the policy. CASCO insurance protects the vehicle owner's car, regardless of who caused the damage.

Where is DSAGO registered?

Extended insurance of compulsory motor TPL insurance can be issued in any insurance company, while many of them offer to register a voluntary car carrier together with a compulsory insurance package. This is beneficial for both the insurance and the client. The insurer receives a large amount of the down payment, and the client, in case of an accident, does not need to run around various insurance organizations and collect additional documents - payments for the basic and extended policies will be borne by the same organization. If mandatory insurance was formalized through the option "single agent", extended OSAGO can be purchased at any nearby insurance center.

What documents are required for registration of DSAGO

For registration of the package of extended MTPL insurance, it is necessary to prepare such documents:

• Current car insurance policy, as without it an additional OSAGO can not be issued;
• A document confirming the registration of the vehicle;
• Driver's license of the owner of the car or a power of attorney for the management of the vehicle;
• The passport of the owner of the car.

What does the amount of payments depend on?

About how much is the extended OSAGO in the final version, you can find out from the representative of the insurance company. The type of final payment to the injured party depends on the registration or ignoring the wear of the vehicle. At the same time, if there is an agreement that the percentage of depreciation will be taken into account when calculating payments, the final compensation will be much less. It is more advantageous to make out the second type of insurance, in which wear will not be taken into account.

How to calculate DSAGO

It is impossible to calculate the compulsory motor TPL insurance in the extended version. The maximum transaction amount will depend on a number of additional criteria, the full list of which is established by the insurer. Among the most important criteria:

• Characteristics of the vehicle;
• Term of insurance;
• Limit on insurance coverage;
• Experience and age of the driver;
• List of additional services.

Based on the collected information, the insurer establishes its own tariffs for this insurance package. For example, the minimum payment of 300 thousand rubles obliges the car owner to conclude a DSAGO policy with an initial payment of 1200-1800 rubles. The average driver, trying to calculate the MTPL in the expanded version, pays the amount of payments of about one and a half million, which obliges him to pay "voluntarily" at a rate of up to 6 thousand rubles a year. In this case, the bonus system on the AAAS does not apply! To help car owners on many sites of insurance organizations posted online calculators for DSAGO, thanks to which you can find out the approximate cost of the insurance package.

Designing the DSAGO for beginners

The drivers who first got behind the wheel of their own car, possible situations on the road can cause considerable concern. Most of all, drivers are afraid of getting into an accident, and in fact no one is insured against it. But the newcomers think about their actions after the accident rarely. Meanwhile, it is from the initial steps of the driver will depend on whether he will pay compensation and restore his car. That's why drivers can not get compensation - because of inattention to the conditions of insurance, although in principle each victim has the right to insurance compensation.

Because of what drivers lose the right to insurance? Consider the most common mistakes of newbies.

• The participant of the road accident leaves the scene of the accident on his own to prepare the protocol.
• The car owner persuaded the victim to settle the matter without issuing the documents.
• The driver repairs the car at his own expense, and only then applies for payment.

All these actions make it impossible to continue applying to the insurance for compensation.

How does the payment of money

If the driver has correctly drawn up an accident and the insurance company has made a decision on compensation, the final payment is made within five days. For remote regions of the Russian Federation, this period is extended by fifteen working days. To obtain insurance, you must provide the insurer with a certain list of documents. For the culprit of the accident, the list of securities looks like this:

• statement;
• Duplicate or original of the OSAGO policy;
• A copy of the driver's license and power of attorney (if the driver was driving a foreign car);
• A certificate from the local traffic police department about the place and time of the recorded road accident, indicating the damage detected.

The injured party is also obliged to provide the insurance organization with a compulsory list of documents, according to which a decision will be made on the calculation of compensation. It:

• Application for insurance compensation (sample can be taken on the website of the insurer);
• copy of the passport;
• A document confirming participation in an accident;
• Documents for the car;
• Accident notification form;
• Copies of the protocols (if any).

Documents are submitted to the nearest office of your own insurance company.

Natural compensation for OSAGO

At present, the owners of the vast majority of injured cars do not receive money on their hands, but simply restore their own car at the expense of insurance. Virtually all private drivers of our country have been transferred to in-kind payments. According to innovations, the injured party will not receive money for repairs on hands - instead, the car owner will be asked to repair the car at the nearest service car center. With what means will be made the restoration of the car - the owner should not be interested. The entire responsibility for the quality of the car repairs lies with the insurance company. It is she who chooses SRT, concludes a contract with her and remits money for repairs. The injured car owner can only choose the most acceptable option for the distance to the car service and the repair time. If the distance to the nearest service station is very large, or in this region there is no possibility to repair this model of the car, the insurance company will decide on the monetary compensation for compulsory motor TPL insurance. Money the car owner will receive and in case of complete destruction of the car.

As can be seen, the expanded insurance of OSAGO solves many problems and completely removes from the culprit road accident the obligation to compensate for the damage in the road accident. Particularly relevant DSAGO will be for novice drivers, who are offered insurance by taking out OSAGO with an additional cover immediately after buying a car.