OSAGO is a compulsory insurance policy that allows you to cover damage in the event of an accident. Today, the policy has the status of a mandatory document, which absolutely all car owners must issue. To issue an OSAGO policy, you need to know some of the nuances, the cost of the document also depends on a number of factors. It is possible to issue an OSAGO in Khabarovsk , taking into account all the changes and current requirements.
The nuances of issuing an OSAGO policy
The OSAGO policy is a mandatory document to start driving. Without it, driving is prohibited. Every car owner knows that the absence of a policy entails a fine, and in the event of an accident, all damage will be borne by the car owner.
The cost of the policy depends on several factors:
- Driving experience.
- Vehicle power type.
- Registration region.
- The number of drivers who can use the car.
Obviously, all drivers who use the car must have a policy. Otherwise, a fine should be imposed, and no payments in the event of an accident.
Many car owners believe that it is not necessary to issue an OSAGO if there is a Casco policy. However, this is an erroneous opinion, because OSAGO should be issued in any case, regardless of the presence of Casco. In addition, Casco is the policy that does not insure civil liability. It is civil liability that arises when the driver exceeds the speed limit, as a result of which an accident occurs.
The main nuances of OSAGO insurance include:
- The policy is valid for 1 year.
- The policy has two formats - on paper and in electronic form. Both options are equivalent, so the imposition of a fine in the absence of a paper version of the policy will not follow.
- The personal data of the car owner and the insurer must be indicated without fail. If they change, you should immediately enter new data in the policy.
- The policy must include the personal data of all drivers who use the vehicle.
- The policy can be issued both before the purchase of a vehicle, and after.
- You can buy a policy from any insurance company.
- The policyholder is fully responsible for all information provided.
Registration of OSAGO is a compulsory insurance that requires each insured to enter data and apply to insurance companies for issuing a policy.