What is AUTOCASCO?

AUTOCASCO - is car insurance in case of accident or theft. Moreover, not many are aware that you can insure not only the car but also motorcycle, bus, construction equipment. Some believe that a policy of compulsory insurance solves all the problems and AUTOCASCO - an unnecessary luxury. But think about it, and suddenly in the damage of your car will not be the culprit with the CTP? Or you are accidentally injure your car? Who can make a complaint? So without AUTOCASCO owner of a good car is clearly not enough. Let's look at what is CASCO insurance.

Etymology of the word dates back to the Spanish CASCO word «Casco», which translated into the Russian language is in the narrow sense, "hull", and more generally - the protection of all. In this article you will find the basic concepts and values ​​that may result from the purchase of the policy AUTOCASCO, and in subsequent articles - the nuances of the insurance product and useful tips.

Full CASCO insurance includes, it seems everyone, including the sudden seizure of Earth alien invaders, and the transgression of your metal swallows in a parallel universe. However, this insurance does not cover those cases where the car owner himself rigged damage, destruction or theft of your vehicle for financial gain at the expense of compensation. If finances do not allow you to fork out for this wonderful policy that guarantees your complete safety in any situation now and ever, there is another option that offers insurance - Hull is not complete and partial. In your contract will stipulate the cases that are considered insurance (this time from aliens have no one to help, yes.) The most logical would be to insure your car against damage and theft as well as natural disasters occur in our world, though often enough, but less frequently than accidents on the roads.

So, the basic concepts in AUTOCASCO:

The sum insured.

This is the maximum amount of money for which you insure your car. The sum insured is usually equal to the market price of your car and can never exceed it. If the sum insured on your policy below the market value of your car, then you may get an insurance payment in proportion underestimated.

The insurance premium.

Despite the ambiguous title, this is not your Agent Award, and the fee for the acquisition of your car insurance.

Deductible.

This is part of the insurance reimbursement, which is deducted from the insurance payment upon the occurrence of an insured event under hull (eg, accidents).

It's sort of a "fine" for the loss caused to the insurance company. But in exchange for this potential "fine", the insurance company makes you a sizeable discount at the time of issuance of the insurance policy AUTOCASCO.

Installment.

We are not always able to pay in one fell swoop impressive price of the policy. Here we come to the aid of installment payment under the policy - to explain its essence is not necessary. But explain the features of the service under the policy CASCO is a deferred payment.

Suppose you bought a hull insurance policy by installments and had to pay only the first installment. Suddenly you have an insured event occurs, and you go to the Insurer from insurance. But you initially offered to pay in advance all of the remaining installment payments. Even if you are entitled to a payment of 10,000, and for car insurance you still need insurance company 45000. So, when purchasing a policy CASCO insurance in installments, consider this fact, and ask him to sign the nuances of the policy.

Terms of insurance compensation.

Often, the form and terms of insurance compensation you choose when signing policy AUTOCASCO in the beginning.

What are my options?

In principle, two: the payment of money under the policy or compensation in the form of repairing your damaged car at the service center.

If you selected the first option, it is a schematic algorithm is as follows: - Monday traffic police - Department of insurance company payments - car damage assessment - transfer of money to the Insured (the Client). If you are covered under option "Repair in Service", then your insurance compensation algorithm is as follows: - Monday traffic police - Department of Insurance payments - the direction in the workshop for repairs - repairs in the workshop.

Another two points of principle in insurance reimbursements for AUTOCASCO: they are made to wear or not wear. If the car insurance with wear, when calculating the amount of damages, the price of the replaced parts of the machine is calculated based on their wear and tear. If the car insurance excluding depreciation, then for each subject after an accident replacement car part you will receive the full value of exactly the same, only completely new part.

Vehicle inspection by AUTOCASCO.

It is important for the client process. Strongly recommend that it not be neglected! Especially if on the odometer value is greater than 50 km.

Insurance company is proof of the fact of the integrity of the inspection machine at the time the contract CASCO with the Insured.

With rare exceptions, inspection of the machine is a specialized service centers, the direction in which it is written out along with the policy. The machine is available in pure form for the employee center careful examination and photographing it from all sides. There may also be photographed with nameplate VIN number, mileage on the odometer, engine compartment and all sets of keys and key fobs of alarms. A number of insurance companies use to explore emergency vehicles commissioners, which can be accessed for inspection at a convenient time and place.

And he and the other version of the inspection should be entirely free to the client. It is important to have time to inspect the car before the emergence of risk situations on the policy AUTOCASCO. Otherwise, you will not be able to prove to the insurance company, that "this dent was not there" at the moment of your insurance policy.

As for the inspection, then it is associated with another important tip.

Inspect the machine as necessary to do and the completion of its repair after injury. It is necessary to pronounce the procedure in advance, coordinate and prescribe the documents to the insurance company.