Experts believe that a voluntary CASCO insurance policy is a necessity for drivers with any driving experience, and even more so for beginners. According to statistics, almost fifty percent of road accidents on Russian roads are caused by drivers with up to 5 years of experience. The number of minor accidents involving newcomers is even higher.
With a high probability of participating in an accident, a beginner should seriously think about choosing an auto insurance. In some cases, there is no doubt whether it is necessary to buy a CASCO, since cars are often purchased on credit.
Banks put forward the main requirement when issuing a loan - commercial insurance.
Compulsory insurance
Compulsory motor third party liability insurance is compulsory for all, without exception, drivers. Funds under the CMTPL policy are paid if the insured person has caused any damage to another person as a result of an accident. If you are the culprit of the accident, the injured party will receive the money, but if you are the victim, demand compensation for the damage through the insurance of the culprit.
Voluntary insurance
CASCO - voluntary motor vehicle insurance, which can be defined as "all inclusive". This insurance covers the risks not only in the event of an accident, but also in case of fire, theft and others. It should be noted that in the event of an accident, regardless of who is the culprit, the damage to the insured will be reimbursed in full. The only drawback of CASCO is its high cost, which is calculated using a complex formula and depends on various factors, for example, the age of the car, driving experience of the insured.
Having received a license, a novice driver at first does not feel very confident on the road, does not know how to behave correctly, quickly assess the situation and react to it. This happens 99% of the time with newbies. Such a driver poses a danger on the road not only to other drivers, but also to himself.
Start driving together with CASCO, it will be very useful. CASCO is suitable for drivers whose experience has not reached two years.
For beginners, this is an excellent insurance that will cover the maximum risks, ranging from minor breakdowns, for example, a broken bumper on a curb, to a serious accident.
As a result, it is clear that it would be possible to do without OSAGO, since CASCO insurance covers all risks. But since OSAGO is a compulsory insurance, the best solution would be registration and CASCO as well. Many are afraid that the cost of CASCO is high, and that insurance claims may not occur, and it turns out that the money is wasted.
In this case, you can not buy CASCO, but set aside money in the amount of its value, creating your own fund, regularly replenish this stock with any amount.
If an accident occurs, you have funds for repairs, otherwise you will save up a decent amount, perhaps even for a new car.
