Insurance payments for OSAGO are strictly limited by the state. The maximum in 2014 is 120 thousand rubles. In order to increase this amount, you need to purchase an extended MTPL policy. It provides additional vehicle liability insurance. Another name for the policy is DSAGO.
Benefits of DSAGO
Sometimes the perpetrators of an accident have to pay the costs of restoring the car on their own, due to the fact that the compulsory motor third party liability insurance policy is not able to cover all the damage.
Execution of an additional agreement implies a franchise. Thus, if the insurance amount was 50,000, then after signing the DSAGO in the amount of 100,000, the insurance limit increases to one hundred thousand, and does not increase by this amount.
Extended OSAGO is a solution to this problem. DSAGO is nothing more than an addition to a standard insurance policy. In the event that an expensive car is involved in an accident, its repair can cost a huge amount, and only the addition to standard insurance guarantees the driver's peace of mind as a participant in the movement. This policy allows you to increase the amount of insurance payments to any desired amount.
DSAGO task
The main task of DSAGO is to help in compensation for damage after an accident in cases where ordinary insurance does not cover losses. The contract may specify the costs not only for the restoration of the car, but also for the treatment of the injured.
MTPL and DSAGO insurance can be issued in different insurance companies. Both policies expire on the same day, regardless of when they were issued.
Insurance companies offer different options for additional car insurance. The cost of the policy depends on the amount of insurance payments. There is no maximum in this case.
The cost of the DSAGO policy depends on the amount of payments, the duration of the insurance and additional terms of the contract. On average, it ranges from 500 to 3000 rubles. In some cases, it may be higher.
Each additional contract with the insurance company is valid within the framework of the main insurance and gives permission to drive a vehicle to everyone who has a legal basis for this.
DSAGO and CASCO
CASCO usually provides for the repair of your own car in the event of an accident.
At the moment, the share of DSAGO is no more than 14% of the total number of insured cars. This figure is growing every year, but not too rapidly.
If the driver is found guilty, and the OSAGO limit does not cover the costs, the repair of the second damaged car will have to be paid at his own expense. Additional OSAGO allows you to solve this problem and get rid of unnecessary costs.
