On insurance following means of motor transport are accepted: mopeds, motorcycles, automobile and lorries, minibuses and buses, trailers to automobile and lorries, and also tractors, including motor-blocks and minitractors.
As insurance of means of motor transport in a general view is understood:
1. Insurance of a vehicle upon damage or destruction at influence of various risks (КАSКО);
2. Insurance of a civil liability of owners of vehicles;
3. Insurance of the driver and passengers of the car from accident.
Now we will continue conversation on each kind of insurance of the car separately.
Insurance КАSКО
It is spent only in the voluntary form and on a case of approach listed below the insurance events (risks) providing for choice the insurer a full or partial covering of a damage, caused by damage, destruction or vehicle loss, owing to:
failures (collisions, arrival, overturning, falling);
a fire, self-ignition;
act of nature and force majeure action (a storm, hurricane, a tornado, a tsunami, a storm, a hailstones, a collapse, an avalanche, etc.);
thefts of details, fight of glasses and other illegal actions of the third parties;
hits of stones, falling of subjects and other accidents;
stealing of a vehicle, damage at stealing.
All insurance events set forth above are concretised in the insurance contract.
Simultaneously with a vehicle at will of the insurer can be insured the additional equipment and accessories to a vehicle, not entering into complete set according to the manufacturer instruction.
The insurance contract consists as a rule for one year. Probably it is possible to conclude the contract for shorter terms, for example, at trip abroad or for the period of a vehicle stage.
The insurance companies offer various conditions of insurance of means of motor transport. Rules of insurance to the owner of the car give possibility to conclude the contract under a condition:
Own participation in compensation of a damage which is regulated by the franchise. The damage caused to the car or the additional equipment of less established sum of the franchise is not compensated. In case the damage will be more the than established size of the franchise, it is subject to compensation minus the franchise stipulated in the contract of insurance. The franchise can be established either in the form of percent concerning the insurance sum,or to be defined in absolute units, for example, $100, $200, 500 grivnas. The size of the franchise in one companies is rigidly regulated, in others can get out the insurer. The high franchise compels the insurer to cover at the expense of own means small but more often meeting losses. In some companies the franchise can change depending on guilt or innocence of the driver in road and transport incident;
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