The conclusion of the OSAGO contract is the responsibility of all car owners. This rule is established by legislation on the basis of an accident analysis. Not everyone knows where it is better to take out OSAGO. Their services are offered by different companies, you only need to choose suitable conditions.
An important legislative document, in which the nuances of OSAGO insurance are prescribed, is the Federal Law "On compulsory insurance of civil liability of vehicle owners". The release of the act is dated April 25, 2013. Later, changes were made to improve interaction with customers.
Based on the requirements of the document it is clear that insurance must be carried out necessarily. It is required to protect against road accidents, so that there is no unnecessary cost in case of violation of the rules. Insurance company undertakes to reimburse the affected party.
All car owners must comply with the rules of the contract. If you do not conclude it on time, then as a punishment you will be deprived of your rights. A recovery occurs only after obtaining the necessary documentation, in particular, OSAGO.
Comments indicate that it is better to issue a policy right away, since the owner of the car is being fined. Many believe that it is better to use the services of trusted companies. In most of them favorable conditions are offered. Many owners advise to immediately register and CASCO, so that the ride was much calmer. This policy involves obtaining compensation to repair your car.
Types of insurance companies
Where is it better to take out OSAGO? Since insurance is mandatory, you need to choose the right company. All companies work on the basis of a single program, but not all firms are reliable, professionally perform their functions. Favorable terms are offered by Ingosstrakh OSAGO, Rosgosstrakh, Soglasie. You must select the appropriate conditions.
Only trusted firms need to trust the registration of OSAGO. Reviews of the owners of the car show that there are several reliable firms, which you can safely handle. They include:
- Rosgosstrakh: the company was created by state structures, therefore it is very reliable, the market share is 35.83%.
- "AlfaSurance": the company is among the best thanks to its effective activity, the reviews indicate the available prices for services.
- "VSK": the company has been operating for more than 20 years, and during this time, many people began to use its services.
- "Consent": the firm carries out activities with individuals and legal entities other than OSAGO, other types of insurance are performed.
- "Renaissance Insurance": the company though exists on so much, but still managed to win the trust of car owners.
In addition to these firms, insurance is provided by other companies. Among the rating agencies include Ingosstrakh OSAGO, Uralsib OSAGO, SOGAZ. Similar conditions are offered everywhere, but there are differences. Calculation of the value of compulsory motor TPL insurance must be carried out on the basis of the law.
Where it is better to formalize the OSAGO, the car owner must decide independently on the basis of conditions suitable for him. To do this, you must first acquaint yourself with the information on the services provided.
Rules of the contract
The nuances of concluding the contract of OSAGO are regulated by the Central Bank of Russia. In the legislation there have been some changes, and therefore the insurance companies have expanded their rights:
- The possibility of providing discounts to customers, as well as increasing the cost of the policy;
- A unified methodology for damage assessment;
- There is a database with information on the insurance history of transport owners;
- Created the procedure for issuing an electronic document.
Every car owner has the right to receive information on insurance matters. Information is provided at the company's office and on the official website.
Through the Internet
Now it is possible to issue CTP through the Internet, and for this it is not required to go anywhere. After the purchase, an email arrives to the e-mail, which should be downloaded. On the site you can calculate the cost of compulsory motor TPL insurance.
Due to the appearance of electronic documents, DPS employees can check it without a paper policy. And with the help of cameras, there will be a lack of insurance on the number of the car.
Electronic policies have become available in our country since 2015. This provided an opportunity to choose a suitable firm, and also to issue the document in comfortable conditions. You can get OSAGO through the Internet on the official site of the selected company. Payment is made by a bank card and popular payment systems.
It is necessary to provide a statement of the standard sample. For the preparation of the policy, the preparation of documents is necessary:
- Certificate for the right to drive;
- technical certificate;
- Certificate of registration in the State Traffic Safety Inspectorate;
- A copy of the diagnostic map.
Cheap options for registration of OSAGO
Where is it better to apply for OSAGO to save money? Insurance companies increase the size of payments. This causes bankruptcy of firms, which is observed during the economic crisis. To the company existed in difficult times, it has services with attractive conditions.
Only you should carefully get acquainted with the principles of the provision of OSAGO. If the cost of the policy is small, then it may not cover the risks, and after all the funds should be designed to perform a complete repair of the car in the event of an accident. Therefore, one should not rely on cheap options, because they may be covered by any conditions.
The cost of OSAGO
If you are interested in where it is better to issue CTP in Moscow, then you need to visit several popular companies, and then choose the right one. The basic tariffication is approved by law, but many firms have inflated or understated prices.
The main criteria that affect the price of the policy are:
- engine power;
- The place where the car is registered;
- Age of the owner;
- Driving experience;
It is better to choose OSAGO for 10 months, because of which no additional payment is required. The base rate is 3432-4118 rubles.
Obtaining insurance premiums
The insurance company on the application opens the case because of the damage suffered, for example, in case of an accident. Employees perform their own survey of the incident. All subtleties, details of the event, data of the affected persons are necessarily taken into account.
The insured person must immediately inform the company about the event. It is advisable to apply in the order approved by the law, attaching all the documents. Compensation is accrued after the insured event has been inspected. The amount of about 50,000 rubles is usually transferred without complications.
Compensation is paid if:
- 1 transport was damaged;
- Both parties have an OSAGO policy;
- In the road accident the participants were 2 cars.
The injured person receives the insurance compensation , therefore it is indicated in the application. Sometimes the payment is replaced by the performance of repair and restoration works.
Choosing an insurance company
When choosing a company, it is necessary to pay attention to the following indicators:
- The rating of the firm: if the level of reliability of the company is high, then it steadily pays compensation, and also performs its work professionally;
- The size of the authorized capital: policies must be purchased where the authorized capital is more than 500 million rubles;
- Financial indicators: they include the amount of premiums and the percentage of payments;
- Advertising: it's best to focus on reviews of real customers, even better friends, and not on video on the Internet or TV;
- Conditions: it is necessary to study all the nuances of the service.
Professional insurance companies work in concert. Experts always advise their clients on the issues of interest. In the event of an insured event, a check is mandatory, and funds are transferred to the affected party quickly.