Insurance policies for car insurance
Posted on Aug 28, 2000 08:15:27 AM
We all live in a world of chance. Some of us pleasantly surprise and delight, while others could seriously affect our wellbeing, to erase the plans for the future, and even pose a serious threat to life and health. In this situation, insurance remains the most effective mechanism for financial protection from the effects of various adverse circumstances. On insurance policies and obtaining insurance policies will be discussed in this article.
Proposed for the most “risky” category of the population – motorists – the insurance program from an accident to help the victims to bear the costs for treatment and rehabilitation, and their families – to keep the familiar standard of living.
Travel by car comfortable and convenient, but it is not safe. Annually in the world in road accidents killed 500,000 people, 5 million are seriously injured.
Russia in this sense, retains the sad “leadership”, showing strong growth performance. So, in 2004, there were 208.7 thousand traffic accidents (an increase of 2.1%), in which 34.6 thousand were killed and wounded were 251.4 thousand people.
Virtually every day on the roads of Russia committed more than 500 accidents in which killed and injuries of varying severity about 700 people. And it is the behavior of people is the cause of 90% of road accidents.
I must say that the majority of motorists, get car, absolutely not ready to tackle the problems associated with its use. How to behave in case of accident, as to normalize relations with the other participants of the accident, where to get a large sum in the event of damage to the expensive car, on what funds to restore health after an injury? You can certainly rely on personal savings, to help friends, but it is all subjective circumstances – money can not be, and friends will be their problem. “Only in advance purchased insurance policy is not affected by any subjective reasons, it is the only guarantee that people will get real help, in real terms”, – says General Manager of IC Mezhregiongarant Eugene Potapov.
Compensation CMTPL
Exceptionally positive role in solving this problem has played the introduction of the law “On mandatory insurance of civil liability of vehicle owners (OSAGO). High social significance of law as a tool for social and economic protection of road accident victims can not be overestimated. He became a real guarantor of the payments affected participants in the movement. Under the law, the amount of compensation payments for compensation for harm caused to life or health of a number of victims is now 240 thousand rubles (at causing harm to life or health of one person – up to 160 thousand).
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