Is it necessary to do compulsory insurance if you have comprehensive insurance?

If you have CASCO insurance, is it necessary to do OSAGO?

When drivers get into an accident, thanks to a compulsory insurance policy, the insurance company will pay compensation to the injured party. This is a very thoughtful measure, since many accidents occur on the roads every day. At the same time, drivers are not always ready to compensate for the damage themselves.

All car owners must enter into an MTPL agreement. It comes in two types:

with a limited list of persons;
with an unlimited list of persons.

The opposite situation often occurs - the car owner has taken out a motor vehicle insurance policy, but at the same time cannot decide whether he should purchase a voluntary CASCO insurance policy. In this case, drivers are given a choice.

The main characteristic of this type of protection is that since 2003 it has become mandatory, and appearing on the road without the appropriate document is classified as a violation of the rules.

A more extended option for car insurance against damage is CASCO, which provides the opportunity to receive monetary compensation after an accident, as well as any accident-free situations unpleasant for transport.

A car owner who has entered into this type of insurance contract can provide guarantees of compensation for damage in cases of theft of his car, as well as in the event of damage to it, regardless of whether he is involved in an accident.

The presence of a valid CASCO policy does not cancel the obligation to sign an agreement under MTPL. A valid MTPL policy must be assigned to each vehicle, regardless of the presence of other unexpired insurance policies.

Do not consider that an insurance policy is a waste of money. Compensation from an insurance institution can be very helpful, especially if you get behind the wheel and don’t know where the road will take you today.

What is the difference between OSAGO and CASCO?

CASCO insurance provides for a wider range of circumstances in which the insured person can count on material compensation equivalent to the full estimated cost of the damage caused. These include:

hijacking;
Road accident (regardless of the initiator of the emergency);
fire;
harm caused by third parties;
damage resulting from exposure to various objects (for example, falling trees, icicles, etc.).

Cases of compulsory insurance

We can talk about advantages in this case too. CASCO insurance is not cheap. Therefore, the car owner personally chooses where it is preferable and profitable for him to insure.

Those car owners who have insured the risks of road accidents will avoid large financial expenses for the damage caused. Payments will be made by the insurance company with which the contract is concluded. If the car owner is the injured party in an accident, then the insurance company will pay the insurance to him.

However, compulsory motor liability insurance does not cover all risks, and the amount of payments is limited. Damage can only be compensated as a result of accidents. If other events occur that lead to negative consequences, they will not be perceived as an insured event.

Currently, in Moscow and the region, St. Petersburg and the Leningrad region, the maximum amount of compensation is 400 thousand rubles. And in 2019, such compensation will be valid in all regions of Russia.

However, let's return to the main question: is compulsory motor liability insurance necessary if you have CASCO insurance? Before answering it, let's consider the concept of voluntary insurance.

The law of the Russian Federation states that OSAGO is compulsory car insurance. Every motorist should have this policy. You cannot drive without this type of insurance; it is punishable by a fine.

This product is a voluntary insurance of transport against possible damage. Pay attention to the characteristic concepts:

Voluntary insurance. From the legislative point of view, purchasing a CASCO policy is not mandatory for vehicle owners;
All types of transport are insured. You can insure water, railway and even air transport;
Damage insurance. The policy owner does not insure liability for his actions on the road, since the key factor is compensation for damage caused to his own property;
Various situations. Damage includes the following circumstances: theft, intentional damage, theft, arson, as well as the consequences of natural disasters and damage as a result of an accident.

The form of insurance can be full or partial. The full form covers all types of risk, including theft and fire.

Partial insurance involves those risks that are specified according to your wishes. In the second case, the owner of the vehicle relies on the conditions of maintenance of the car.

The partial form is cheaper than the full form.

The deductible is another feature of the CASCO policy. Thanks to it, it is possible to reduce the cost of the product. The deductible is the payment of part of the insurance, not the full cost.

Every driver who has received a license knows that you cannot go out on the streets without a car insurance policy, but you should know which version of the policy is mandatory for everyone, and which is purchased voluntarily, in addition to the main one.

The OSAGO and CASCO programs, in addition to a single similar goal - financial protection of the motorist, differ in all other parameters:

Grounds for insurance payment.
Amounts of compensation.
Terms of payment.
Object of insurance.
Who are the payments intended for?

In order not to be confused in concepts and to issue a policy required by law, you should define each of the options:

OSAGO is a motorist liability insurance program, i.e. a person involved in an accident while driving a car and focuses on paying compensation for the repair of another car damaged in the accident;
CASCO is designed to provide full coverage of all insurance risks specified in the contract, regardless of which party is found guilty, which allows compensation for the costs of restoring a damaged car even when the policyholder himself violated the rules.

About the cost

Another significant difference is in the cost of policies:

The price for a motor vehicle insurance policy is strictly regulated by the provisions of the law, in particular, the Federal Law “On Compulsory Motor Liability Insurance”, and the policy is calculated using a formula common to all Russian insurers, based on the basic parameters of the driver and his car. Due to the fact that only certain, strictly defined situations are insured (collision with a second injured party), the price of the policy is inexpensive, based on accident-free rates, regional coefficient, and driver experience.
Costs for CASCO insurance are not regulated by the state, which allows insurance companies to set their own prices and, in order to attract clients, apply individual discounts and offer bonus services. Since the list of risks is extremely wide and requires comprehensive insurance, the CASCO price is higher and depends on the cost of the insured car in the first place.

Since purchases of credit cars have become more frequent recently, borrowers, due to collateral and clauses in the agreement with the bank, are forced to buy full CASCO insurance for a new car.

The topic of necessity or optionality of compulsory motor liability insurance has become one of the most popular for owners of brand new cars taken on credit.

However, whether a CASCO policy can really compensate for all financial risks can be found out by studying the contract signed in detail.

IMPORTANT! The CASCO agreement is concluded on a voluntary basis and cannot be imposed against the wishes of the client, who at any time, in addition to cases of registration of services for a borrowed car, can terminate the agreement with the insurer.

The MTPL policy has limited capabilities, and the amount of payments rarely covers actual damage. Therefore, having CASCO insurance is more preferable.

This is why owners of expensive vehicles often purchase double insurance. The legislative branch has more than once put on the agenda the issue of the legal basis for the availability of any of the methods of insurance, but the problem has not advanced beyond discussions and conversations.

So far, the answer to the question: if you have CASCO insurance, is compulsory motor liability insurance necessary? Categorical yes! Having CASCO insurance does not allow you to cancel your MTPL policy.

Many people do not pay enough attention to insurance, although this is a very important point, because with its help you can get excellent support when you really need it.

Of course, serious consequences may follow from this, but that's another story.

Car owners who insure against road accident risks with the help of compulsory motor liability insurance can avoid large expenses for causative damage. Payments for damage to the victim are made by the insurance company with which the contract is concluded.

Reasons for refusal to pay under CASCO

It is easy to notice that CASCO payments cover a larger number of insurance cases, although in many cases insurers try to avoid payments.

Car owners should remember that insurers are guaranteed to win a lawsuit if the driver was drunk at the time of the accident (this also includes drug intoxication).

Financial losses will not be compensated in cases where the driver did not have a driver’s license or was driving a vehicle that does not correspond to the permitted category.

The insured event subject to compensation also does not include the carelessness of the driver who did not put the car on the handbrake; damage due to careless handling of fire, which caused the fire, will not be compensated.

Damage will also not be compensated if the car was not moving on the road, but on ice, for example, and also if design changes were made to the engine, brake, fuel system and steering of the car.

All types of financial compensation are specified in the insurance contract.

Cost of CASCO and OSAGO

CASCO insurance is more expensive insurance; its prices are constantly changing, and there is no fixed rate. To calculate the final cost, factors such as:

general driving experience;
power, car brand;
client age;
number of users of insured vehicles.

To find out the tariff and make a preliminary calculation of CASCO-MTPL, everyone can use a special online calculator. An online OSAGO and CASCO calculator is available on the website of almost any insurance company.

We also provided one such calculator at the end of our article. Enter the required data into it, after which you can instantly find out the approximate amount of insurance.

car model	Model	Year of issue	Engine power	Driving experience	Period of insurance use	Cost of OSAGO	CASCO cost
VAZ	Priora – 2170 sedan	2015	1.6 MT 8 cl (Euro-3) l. (80 hp)	3 years	1 year	8154 rub.	20,500–46,500 rub.
Skoda	Fabia – Hatchback	2017	1.0 MT l. (75 hp)	10 years	1 year	8154 rub.	RUB 14,500–80,000

If you have CASCO insurance, do you need to do OSAGO and vice versa?

Here we will answer the question: is it necessary to do OSAGO if you have CASCO insurance? Regardless of the age of the car - whether it was purchased brand new from an official dealer or purchased with mileage at a car dealership - many people prefer to take out a CASCO policy for the vehicle.

The answer to this question has already been discussed above. Since the Government of the Russian Federation has developed a system for resolving material issues in case of an accident using an MTPL insurance policy, its registration is mandatory.

Necessary. Conclusion of a CASCO policy does not relieve the car owner from the need to obtain compulsory motor liability insurance and does not cancel it. For failure to comply with this requirement provided for by law, the driver will be fined.

However, the other side of the coin is that, as in the case of DSAGO, insurers usually impose CASCO insurance, despite the fact that this insurance is voluntary.

In practice, there are cases when CASCO insurance is mandatory. Naturally, this obligation is not specified in the laws, but may arise from other transactions.

Thus, banks almost always require both MTPL and CASCO insurance if a person purchases a car on credit (since the vehicle is considered collateral until the end of the loan payments) and CASCO becomes mandatory.

Exactly the same conditions may apply to other transport-related contracts - leasing, long-term car rental.

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OSAGO and comprehensive insurance in one insurance company

It is the limited payment under MTPL that forces car owners to take out an additional CASCO policy. This agreement can be concluded in the same company.

The benefits of this step are, at a minimum, time savings. Data is entered for two types of insurance at once. The car owner simply presents documents, pays for insurance, and receives the policies in hand. In addition, the insurance company gives discounts when two contracts are concluded at once.

Due to the fact that payments under compulsory motor liability insurance are limited, car owners often enter into an additional CASCO agreement, since the latter provides large payments in the event of an accident. The contract can be concluded in one company.

Let's study how the cost of CASCO and OSAGO develops, what is the difference in the parameters that influence them.

The price for compulsory motor insurance depends on the vehicle model, driving experience, the region where the vehicle is intended to be used, KBM and insurance company discounts. At the same time, CASCO is influenced by the list of insurance risks that the driver himself indicates.

Secondly, simplicity of design plays a role. It is enough to present documents, pay for insurance and receive both policies.

Thirdly, the insurance company usually establishes discounts when concluding both contracts.

But car owners also have the right to enter into contracts with different insurance companies. This option also has its advantages. CASCO insurance is expensive. Therefore, the car owner has the right to choose where to insure himself, based on personal preferences and financial capabilities.

The cost of a mandatory policy depends on the following components:

Type or model of vehicle.
Experience and driving experience of drivers included in the policy and using this transport.
The region in which the vehicle will be used.
Values of the bonus-malus coefficient (BMR).
Personal company discounts.

The cost of CASCO depends on the listed compensation payments for the estimated insurance risks indicated by the driver.

Source: https://straxovka.top/osago/nado-li-delat-osago-esli-est/

Is it necessary to do OSAGO if you have CASCO insurance?

It is not correct to believe that CASCO and MTPL car insurance are the same thing. In order not to get into an unpleasant situation when dealing with an insurance company, we will determine whether you need to do compulsory motor liability insurance if you have CASCO insurance.

Every vehicle owner has encountered (sometimes and many times) the procedure for obtaining car insurance. Its most common types are OSAGO and CASCO.

But the question often arises: is it necessary to buy both policies, or can you limit yourself to just one?

Concept

First, let's find out what CASCO and OSAGO are. Although such concepts are familiar to everyone, many have no idea how such policies differ and what services they offer.

OSAGO stands for compulsory civil liability insurance for car owners.

This is insurance, the object of which is property interests that are associated with the risks of civil liability of the car owner for obligations that arise when harm is caused to the health, life, or property of a third party.

CASCO – transport insurance against risks such as damage, theft, theft, as well as other risks. The policy will not include insurance of luggage that is transported, liability to a third party.

What is the difference

OSAGO is a compulsory type of insurance. Without such insurance, the car owner simply does not have the right to drive on the roads.

If the driver is stopped by an inspector and it turns out that there is no insurance contract, a fine will be imposed.

Under this policy, a motorist can apply to the insurance company for payment in the event that he is at fault in a traffic accident.

If you have an MTPL agreement, you will not pay for repairs to a car that is damaged due to your fault. Your own car must be repaired at your expense.

CASCO – voluntary insurance. If the owner of the vehicle gets into an accident in which he is the culprit, he has the same right to compensation as the other participant in the accident.

If such an amount exceeds the established value of the vehicle, the culprit covers the damage himself.
But such situations are rare. Let us list the main differences between MTPL and CASCO:

CASCO	OSAGO
Voluntary insurance	Compulsory insurance
Repair of the owner's car is carried out by an insurance company	The car owner himself carries out repairs to his vehicle.
It doesn’t matter who is at fault for the accident – the insurance company will pay	The culprit does not receive insurance payment
Provides repair services	Pays compensation to third parties who suffered due to the fault of the policyholder
The cost of insurance and the amount of payments are determined by the insurance company itself.	Tariffs are set by government agencies. Restrictions apply
More expensive insurance	The price of insurance is regulated and can be calculated by every car owner, taking into account the characteristics of their vehicle.

Let's consider other features.
The compensation paid under CASCO is determined taking into account wear and tear of the vehicle and without it. This should be stated in the concluded agreement.

Payment is made within the limits of the insured amounts that were specified in the insurance contract. In some cases, this figure even exceeds the price of the car. But it is worth considering that with each subsequent insurance payment the amount of funds will decrease.

It is also possible to draw up an agreement with an amount that will not decrease. But you will have to pay more for such a policy.

With CASCO payments, payments are regulated by the insurance organization, taking into account:

wear;
damaged property objects.

Compensation is also provided for damage to health.

The maximum amount of compensation is the insurance payment under compulsory motor liability insurance. The MTPL insurance procedure is approved at the state level, and all insurance companies in the country, without exception, must adhere to it. For this reason, the calculation rules for certain vehicles are the same. And it doesn’t matter which insurance company you contact.

The cost of insurance will be based on several values. Taken into account:

type of transport;
who insures the car - a legal entity or a citizen;
where the car is registered (in what territorial district);
age and experience of persons who are allowed to drive the machine.

With CASCO the situation is different. All rules are established by insurers independently. Basically, contracts of different companies have many common points. But there are also many distinctive features.

You can calculate your possible costs on the Internet using special online calculators.

Is it necessary to apply for compulsory motor liability insurance if you have CASCO insurance?

OSAGO is compulsory insurance, and there is no escape from purchasing it.
Otherwise, a violation of Russian legislation will be recorded. No one has the right to oblige you to purchase CASCO. But if you have both policies, you will have the opportunity to repair both the injured person’s car and your own. And this is a big advantage in case an unforeseen situation arises.

At the moment, CASCO insurance is the choice of every car owner.
But the authorities put forward a proposal to combine both policies. The purpose of such a bill is to make insurance more economical when concluding a contract and collecting certificates. The proposal is currently under consideration.

Should I make voluntary insurance if I already have compulsory insurance?

The disadvantage of compulsory motor liability insurance is that you cannot count on receiving an insurance payment if you are at fault in a traffic accident.

And the payment itself will not exceed the limit established by the state.

In some cases, insurance organizations file claims against the person responsible for the accident, claiming compensation for all losses incurred by the company.
This is possible in this case:

the participant intentionally caused harm to the life of a third person or his property;
the policyholder was driving under the influence of alcohol or drugs;
the culprit did not have the right to drive;
the person fled the scene;
there is an emergency situation, payment for which is not provided for under compulsory motor liability insurance.

Let us repeat - this is exclusively your right, not your obligation.
You can limit yourself to only MTPL insurance, which should always be with you when driving a car. Or you can purchase a second type of insurance contract by choosing the most favorable conditions among those offered by different companies.

CASCO and OSAGO are insurances that not only have different prices and differ in the quality of services provided by insurance organizations.

Therefore, it is important to study the features of each type of insurance in order to understand what rights and obligations you have, and what you can count on in the event of an insured event.

And then you will not be surprised why the insurance payment was not made after the accident.

Video: Insurance training. Lesson 1. Insurance market. CASCO and OSAGO

Source: http://avtourist-DTP.ru/nuzhno-li-delat-osago-esli-est-kasko/

If you have CASCO insurance, do you need MTPL?

Home > ARTICLES > If you have CASCO insurance, do you need MTPL?

Often, car enthusiasts do not understand the differences between the types of CASCO and OSAGO insurance, believing that the difference lies only in their cost. Others believe that if you have one type of insurance, the conclusion of another is not required. Is it so? Below we will consider, if you have compulsory motor liability insurance, do you need CASCO insurance?

Features of CASCO and OSAGO

When you buy a car (and especially if it’s a foreign car), the first question becomes how to secure the funds invested in this property. And the thought immediately arises of insuring the car.

At the same time, drivers most often hear 2 types of insurance - these are CASCO and OSAGO, however, to a novice driver, and even to a person who does not deal with insurers, these concepts may even seem identical and such a person does not know whether to

Both CASCO and OSAGO are types of property insurance, and both are issued for your car. Should you have OSAGO if you have CASCO in 2015, or should you stick to only one type of insurance?

But the differences between CASCO and OSAGO are that CASCO protects your car (that is, your property), while OSAGO insurance does not.

Under a CASCO agreement, the insured person’s vehicle is protected from most damages (which are determined directly by the insurance company when concluding the contract), but the most popular and widespread of them are:

Road accident as a result of which the vehicle was damaged;
Theft, theft, theft, but this item is not present in all types of CASCO, but only in full (there is also a partial one, which, accordingly, does not have this point);
Natural disaster and other force majeure circumstances;
Damage to parts and components of the vehicle;
Complete destruction of the car (for example, due to arson).

CASCO is a voluntary type of insurance, that is, this type of insurance is purchased only by the driver (car owner), who himself wishes it. But if you have CASCO insurance, is compulsory motor liability insurance necessary?

OSAGO, on the contrary, is compulsory motor third party liability insurance, the subject of insurance of which will also be your car, but this insurance will not protect it, but precisely the damage caused by this subject of insurance. That is, if a brick falls on a car, OSAGO will not pay for the damage. But if you, while driving a car, hit

in an accident and dented someone else’s car (and you are found guilty), then your MTPL insurance will cover the repair of this same someone else’s car and other damage caused. If you become a victim in such a situation, then the MTPL insurance policy of the guilty party will cover your expenses.

Responsibility

The law obliges every car owner to register an MTPL policy. Otherwise, responsibility arises, which I would like to dwell on in more detail.

The standard fine for not having an MTPL policy in 2015 is 800 rubles. Previously, this amount was less, 500 rubles, which could be etched in the memory of drivers, but new changes have been in effect in the Code of Administrative Offenses for more than a year.

The law also establishes a fine if the driver has a general compulsory motor liability insurance policy, but is not in the car at the time of the traffic police officer (for example, he forgot it at home). In this case, the driver will get off with an administrative fine of 500 rubles or a verbal warning. The same amount will have to be paid to law enforcement agencies if the car is driven by a person not included in the policy.

The law provides only a few exceptions when compulsory motor liability insurance is not required:

The ten-day period from the date of purchase of the car has not expired (in other words, the period during which the driver must purchase the policy). That is, to the question “is it possible to drive with comprehensive insurance without compulsory motor liability insurance” there is a positive answer;
Drivers performing duties in the public service;
Vehicles whose maximum speed according to technical specifications does not exceed 20 km/h.

If we consider the situation as a whole - is it necessary to do compulsory motor liability insurance if there is CASCO insurance, then the answer will be unequivocally “no” and liability is provided for this violation.

DSAGO

One of the types of MTPL is DSAGO - voluntary motor insurance.

In its essence, it does not differ from the first one - it insures civil liability in the same way, but it is voluntary in nature, that is, it can be concluded at the request of the driver.

In addition, DSAGO is additional in nature - it cannot be concluded without compulsory motor liability insurance and will only cover those expenses for which compulsory motor liability insurance funds are insufficient. Let’s say that the culprit caused damage to property with a total value of 750,000 rubles as a result of an accident.

Of this amount, 500,000 rubles will be covered by compulsory motor vehicle liability insurance (if the contract was not concluded earlier than 2015), and the remaining 250,000 rubles will be covered by motor vehicle liability insurance, if available. In the absence of this insurance, the culprit will have to pay the rest of the amount out of his own pocket.

However, DSAGO also has pitfalls.

Despite all their voluntariness, almost all insurance companies try to impose this service in addition to compulsory motor liability insurance, using unscrupulous methods, for example, indicating that their office has run out of forms for pure compulsory motor liability insurance and only have left for full motor vehicle insurance with compulsory motor liability insurance (such a case took place in Rostov region, when for quite a long period of time absolutely all insurance companies refused to conclude a regular MTPL), or indicating that concluding a MTPL without additional conditions is impossible (which is contrary to the law), however, many drivers do not go into such nuances.

If you have CASCO insurance, do you need to do OSAGO and vice versa?

So, to the question “when applying for comprehensive insurance, is compulsory motor liability insurance required?” the answer will be positive, although the insurance company itself does not have the right to require you to have this policy when concluding a CASCO transaction.

However, the other side of the coin is that, as in the case of DSAGO, insurers usually impose CASCO insurance, despite the fact that this insurance is voluntary.

In practice, there are cases when CASCO insurance is mandatory. Naturally, this obligation is not specified in the laws, but may arise from other transactions.

Thus, banks almost always require both MTPL and CASCO insurance if a person purchases a car on credit (since the vehicle is considered collateral until the end of the loan payments) and CASCO becomes mandatory.

Exactly the same conditions may apply to other transport-related contracts - leasing, long-term car rental.

However, some organizations, under the specified conditions, additionally indicate that insurance must be concluded with a specific insurer. In such cases, you need to be careful, since often in practice organizations have agreements with these same insurance companies, which can have a negative impact in the future.

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Source: http://kasko-vse.ru/yesli-yest-kasko-nuzhno-li-osago

Do you need a compulsory motor liability insurance policy if you have CASCO insurance?

Many car owners are confused with the question: is compulsory motor liability insurance necessary if there is CASCO, what is their significant difference for consumers. It is especially unclear which insurance would be better and more profitable to take out for a new car in order to cover all the risks, but not overpay.

Logically, CASCO, as a more expensive insurance, covers many types of damage, especially the maximum 400 thousand under compulsory motor liability insurance in case of an accident, so does it make sense for the driver to buy another, duplicate policy?

Casco and compulsory insurance: why do you need double insurance?

According to Law No. 40 of April 25, 2002, every driver in the Russian Federation is required to have a valid OSAGO policy . Insurance is issued for a year, its availability is checked by traffic police inspectors. Guarantees the second, injured participant in the accident compensation for financial costs for repairs and treatment.

CASCO insurance is issued on a voluntary basis and contains many payment items. With it, even the person at fault for the accident can count on reimbursement of expenses.

So wouldn’t it be easier to combine both insurances, or include civil liability in CASCO? Automotive lawyers and legislators have studied this issue and come to the conclusion that in the current situation this cannot be done. The insurances, although they do not contradict each other, are not double, they have different essences. That is why it is inappropriate to combine them.

Differences in essence and nuances in use

CASCO and OSAGO are two completely different insurance company products, the first is voluntary, the second is mandatory for all car owners and it doesn’t matter whether you have other vehicle insurance.

They are designed to help stay within the right field in a difficult stressful situation, partially or fully compensate for losses, and minimize the risk of car owners losing their own money.

What it is:

OSAGO - in legal language - motor third party liability insurance for the driver, simple and accessible - insurance for the driver in case he gets into an accident. The insurance company undertakes to pay the amount of damage instead of the culprit of the accident.
CASCO – vehicle insurance for many items, including theft or damage in the event of a collision with an obstacle or an accident. This is commercial property insurance in the usual sense, when the insurance company promises to compensate for damage in case of any problems.

Differences and similarities:

Firstly, the main difference in the essence of the policies is the object of insurance - in one case it is the responsibility of a particular driver to other road users, in the second - the protection of his personal movable property.
Secondly, it is important to take into account the nuance - compulsory motor liability insurance is only necessary if the car will be used in Russia, but commercial insurance can be issued for a vehicle that no one is going to drive, but would like to keep it in perfect order.
The similarity is that both products are intended for car owners.

What to choose for a new or used car

These are two different insurances that, for a relatively small fee, help the driver feel confident in any difficult situation.

OSAGO . An auto liability policy is required for both a new and a used vehicle; in the event of an accident, the insurance covers all or part of the cost of repairs.

But this is not the best option to be 100% sure of compensation for damage:

low prices for repairs in insurance calculations;
strict requirements for recognizing an event as insured.

But the car owner essentially has no choice: whether to take out a car insurance policy or not, it is his responsibility.

CASCO . Other, voluntary insurance is more convenient and generous. Depending on the tariff and coefficient under the contract, the insurance company guarantees payments in almost any case if the car suffers even the slightest damage.

However, there are also disadvantages:

cost – taking out a policy sometimes costs more than 100 rubles;
biased attitude on the part of the insurance company towards cars older than 3 years.

More often, CASCO is issued with a car loan - sometimes this is a mandatory clause of the contract, when buying a new and expensive car, when the cost of individual parts exceeds the promises of the compulsory motor liability insurance policy.

If you have CASCO, the driver feels protected and calm, does not worry about theft, accidents, cracked windshield, random scratches and wear on the paintwork.

Thus, the difference between CASCO and MTPL becomes obvious; the driver already understands which insurance to choose in each specific case:

OSAGO must be issued if the car is planned to be used on the territory of the Russian Federation;
CASCO - at the request of the owner, but these two insurances do not duplicate each other in any case.

Source: http://cabinet-lawyer.ru/avtopravo/nuzhno-li-osago-yesli-yest-kasko.html

If you have CASCO insurance, do you need to apply for MTPL?

If you have CASCO insurance, do you need to apply for MTPL? This question worries many car owners today, although an extract from the protocol on an administrative offense will help answer it.

Failure by the driver to comply with the law “On compulsory motor third party liability insurance” is an illegal act that leads to the imposition of administrative liability on the culprit.

At the same time, traffic police officers can fine you 800 rubles as many times as they stop you.

What is compulsory motor liability insurance and in what cases should it be taken out?

Some time ago, the concept of “compulsory insurance” for road users did not exist, but in 2002, when Federal Law No. 40 came into force, obliging insurance, the situation changed. Many drivers have already appreciated the benefits of an MTPL insurance policy, because in this case, not only will damages to the injured party be guaranteed, but the insurance company will guarantee payment to the victim due to your fault.

Moreover, if you did not have time to conclude an insurance contract, or did it intentionally, the damage to the victim will have to be compensated from your own funds.

This means that the law, which requires compulsory civil liability insurance for vehicle owners, disciplines drivers. It is an effective financial instrument that ensures safety on the road.

According to the provisions of the law, you can appeal to the insurance company when a third-party vehicle was damaged due to your fault.

You can also count on the insurance company to pay for car repairs, even if you were partially at fault for the accident. By the way, if it is proven that the accident was not your fault, the insurance company that issued the policy to the person responsible for the accident will pay for the repair costs.

As you can see, it is profitable to insure a car; another question is whether it is worth doing it forcibly.

It is likely that if it were not for the guaranteed fine for driving a car without compulsory motor insurance, many road users would ignore such insurance and would be limited only to CASCO.

If several cars were involved in an accident, often the same car owner becomes both the victim and the culprit of the accident. In this case, much depends on how the court will interpret the situation. In this case, the culprit, who is also the victim, can only receive an amount compensating for the damage caused by another participant in the accident.

What is CASCO

Unlike MTPL, which is concluded on a compulsory basis, CASCO assumes voluntary insurance.

Many, when faced with insurance issues for the first time, ask the seemingly logical question of why enter into a voluntary insurance agreement if they already have a compulsory road liability insurance policy.

It’s not difficult to explain - CASCO involves compensation for damages for a wider range of insurance cases. In particular, in addition to an accident, a car owner may be compensated for financial losses in the following cases:

a fire caused by a malfunction of vehicle systems and in the event of intervention by third parties;
vehicle explosion;
disaster;
damage to the vehicle caused by utility services (an icicle falling from the roof, for example);
theft or damage to the car by vandals, including damage caused by wild and domestic animals.

If you want to receive compensation for damage caused by a natural disaster, you will need an official report from the meteorological service. It indicates that a natural disaster has occurred in your area.

Reasons for refusal to pay under CASCO

It is easy to notice that CASCO payments cover a larger number of insurance cases, although in many cases insurers try to avoid payments.

Car owners should remember that insurers are guaranteed to win a lawsuit if the driver was drunk at the time of the accident (this also includes drug intoxication).

Also, you should not count on CASCO payments for drivers who are driving a car that is not their own and is not included in the insurance policy.

Financial losses will not be compensated in cases where the driver did not have a driver’s license or was driving a vehicle that does not correspond to the permitted category.

Damage will also not be compensated if the car was not moving on the road, but on ice, for example, and also if design changes were made to the engine, brake, fuel system and steering of the car.

Property losses resulting from fraudulent actions will remain unpaid, and in this case, those who like to live at the expense of others may become defendants in a criminal case.

Legitimate cases of refusals to pay under compulsory motor liability insurance

Considering the fact that only road users are covered by compulsory motor liability insurance, the reasons for refusal to pay are somewhat different. In the case of compulsory insurance, the car owner may be denied compensation for damage in the following cases:

a participant in a traffic accident has an insurance policy, but the car that was involved in the accident is not included in it;
the accident was attended by a driver who was taking driving lessons or who was test-driving the car upon purchase;
the insured driver transported explosives or other dangerous goods;
if a social insurance case occurs, the person who was on duty was injured.

You should also remember that you should not claim compensation for the cost of transported valuables or scientific and historical values. In compulsory insurance there are no concepts of “moral damage” and “lost profits”.

It is also worth remembering that the insurers themselves become to blame for failure to receive the required compensation (accidentally or intentionally). They may, for example, provide an incomplete package of documents or issue a fake form. It is also difficult to expect payment if documents are filed after the statute of limitations has expired.

As in the case of CASCO, the holder of an MTPL policy will not receive payments if the insurance company is declared bankrupt or the accident is staged.

Main differences

As for the main differences between voluntary and compulsory insurance policies, it can be noted that the car owner himself compensates for the repair of his vehicle under compulsory motor liability insurance, while under CASCO insurance, both the culprit of the accident and the victim of the accident are guaranteed to receive payments.

Also, with voluntary insurance, the limits and cost of the policy are set by the insurance company, and in the case of compulsory motor liability insurance this happens at the state level. Probably for this very reason, voluntary insurance is more expensive than compulsory insurance.

That is, CASCO assumes freedom of action for the insurance company, which sets its own rules.

Experts recommend having two policies at the same time , since in this case you can claim not only for the repair of a car damaged due to your fault, but also for your own car. By the way, the authorities are now taking steps to combine the two types of insurance. This will help car owners save a lot of money.

Source: https://mirmotor.ru/article/read/nuzhno-li-delat-osago-esli-est-kasko