What is DSAGO (voluntary auto insurance), how to arrange and why it is necessary

In Russia, everyone knows about the OSAGO and CASCO, but few understand why DSoago is needed - the voluntary insurance policy of autocarted responsibility. Cams on themselves DSAGO never works, but he can always come to the aid and CCAGO, and CASCO. I will tell you how to use it right and how it can help the driver.

In Russia, everyone knows about the OSAGO and CASCO, but few understand why DSoago is needed - the voluntary insurance policy of autocarted responsibility. Cams on themselves DSAGO never works, but he can always come to the aid and CCAGO, and CASCO. I will tell you how to use it right and how it can help the driver.

Dmitry Sergeev

knows everything about cars

Types of automotive insurance

Auto insurance can be divided into the following types.

Osago - auto insurance, mandatory for everyone. For leaving the road without such a policy there is a fine. The size of the fine depends on whether there is a The insurance contract and who is part of the policy. If there is no contract, and it does not matter - there was never or just forgot to extend, you will have to pay 800 Р. And if the policy was, but the car was ruled by a person who was not inscribed in this policy - 500 Р.

The main plus of the CTP: If a person is guilty of an accident, the injury company will pay damage to the affected side for him, but only within 400,000 Р. All that over, the culprit will have to compensate from his pocket and pay for the repair of its car anyway will have to be independently. The victim is also convenient: you do not need to run for the culprit and try to recover from it the cost of repair. About what is asset and what it protects, we told in a separate article.

Casco. - Voluntary automotive insurance. Polis Casco protects the insured car from damage regardless of who is to blame for this damage. Even if the owner himself drove inaccurately and got into an accident, the insurance company would still pay him repairs. More plus Casco is that it is not attached to the size of damage and, as a rule, covers the full cost of the car. We told about it in the article "How Casco Works".

Dsago - Voluntary insurance of autocarted liability, which protects the responsibility of the insured to other participants in the road. DSAGO is very similar to the CTP, but in most cases it works only if the coatings on the CTP are missing in order to reimburse the damage.

What is dsago

This is a voluntary auto insurance of the owner owner. Called it differently : Damago, GE, Dago. In the article we will call him DSAGO, but under this name we will understand all types of voluntary insurance policies of the owner's civil liability. It happens that DSAgo is discharged on the same letterhead with Casco, but even in such a situation they work differently : CASCO protects the car of the insured, and DSAGO - other participants in the movement, their property interests. How such a policy is working - the easiest way to be explained by the example.

What damage compensates for different insurance

Damage compensated by insurance Casco. Osago Dsago
Damage to the car of the guilty owner of insurance Yes No No
Damage that the guilty owner of insurance caused other participants in the road No Yes, in the range of 400,000 РYes, in a part exceeding 400,000 Р

Damage to the car of the guilty owner of insurance

Damage that the guilty owner of insurance caused other participants in the road

Osago

Yes, in the range of 400,000 Р

Dsago

Yes, in a part exceeding 400,000 Р

Suppose the driver fell into an accident and to blame for what happened. If the driver has only Casco, it will repair the car or pay repairs to those conditions that are indicated in its policy. If only the policy of the OSAGO - will commend the damage to the victims in the accident and their property, but not more than 400,000 Р. This damage will pay the insurance company the culprit of the accident. But the culprit of the accident will have to repair the car at its own expense.

If the damage is more, the victims may apply to the court and recover the difference from the culprit in civil proceedings. In this case, and will come to the aid of the drugs of DSAGO - provided that the contract of such insurance was concluded. 400 thousand will reimburse the insurance company on the mandatory auto insurance policy. And all that is more - insurance under the contract of DSAgo. And the driver does not have to pay the victim himself.

If the accident does not occur by the fault of the owner of the DSAGA policy or those who have been allowed to manage, the policy will not help, the damage will cover the polishes that the driver has. If there is a valid CASCO policy - the car will repair on it. If the culprit has only the policy of OSAGO, the amount of damage will be considered, and if it is less than 400 thousand - the perpetrator from his pocket does not have to pay.

It would seem , 400 thousand rubles - a large amount, and in most cases it really is enough to cover the damage. But there are different situations. For example, you can get into an accident with the participation of a new lexus, which stands as a studio apartment in Moscow. In this case, the coating on the policy of the OSAGO may be insufficient.

There is no separate law for DSAGO. It is governed by the following documents:

  1. Chapter 48 of the Civil Code of the Russian Federation on the basic requirements for insurance.
  2. The law "On the organization of insurance affairs in the Russian Federation" - on the rights and obligations of insurers and insurers.
  3. Law on Consumer Protection". Insurance is a service, and the insured is its consumer. If the insurance company does not comply with the terms of the contract - it violates the rights of the consumer.
  4. Specifying the Central Bank of the Russian Federation of 09/12/2014 № 3380-y , Indication of the Central Bank of the Russian Federation of November 20, 2015 № 3854-U . They are prescribed requirements for insurance companies and insurance conditions.
  5. Standards of the All-Russian Union of Insurers - contains uniform requirements for issuing insurance contracts.

What is different from the CCAGO and CASCO

The main difference is dsago cannot be purchased separately from the Osago policy, at least I did not find such proposals on the market. In most cases, the car must have a valid mandatory auto insurance policy and the duration of the DSAGA policy cannot exceed the term of the operating policy of the OSAGO.

But at the same time, the policy of OSAGO and DSAGO can be decorated in different companies - there are no restrictions. Just the damage to 400 thousand covers one company, over 400 thousand is different.

What is the difference between DSAO from CCAGO and CASCO

Dsago Osago Casco.
What insures polis Civil liability in the amount of over 400,000 Р- on repair of a car or property of the victim Civil liability in the amount of up to 400,000 Р- on repair of a car or property of the victim Personal car from damage and other risks
Insurance conditions Insurance company can offer its conditions The Central Bank's Law and Insurance Regulations are listed. Insurance company can not change them at its discretion Insurance company can offer its conditions
Is it possible to abandon insurance Polis is not obligatory It is impossible. Otherwise - Fine 500-800 РPolis is not obligatory
The cost of the policy and the amount of payments Depends on the insurance company Controls the state. It establishes the minimum and maximum prices. Depends on the insurance company
Who receives payments Only victims in an accident. The owner of the car in his payment policy can not receive Only victims in an accident. The owner of the car in his payment policy can not receive The owner of the car receives payments on its policy
Can the insurance company refuse to sell polis Yes No, he can not. But it can refer to the technical failure or inaccessibility of the PCA database. Then the client will redirect to another company Yes
Is it possible to purchase separately, without another policy As a rule, it works only with the policy of Osago Can Can

Dsago

Civil liability in the amount of over 400,000 Р- on repair of a car or property of the victim

Osago

Civil liability in the amount of up to 400,000 Р- on repair of a car or property of the victim

Casco.

Personal car from damage and other risks

Dsago

Insurance company can offer its conditions

Osago

The Central Bank's Law and Insurance Regulations are listed. Insurance company can not change them at its discretion

Casco.

Insurance company can offer its conditions

Is it possible to abandon insurance

Osago

It is impossible. Otherwise - Fine 500-800 Р

The cost of the policy and the amount of payments

Dsago

Depends on the insurance company

Osago

Controls the state. It establishes the minimum and maximum prices.

Casco.

Depends on the insurance company

Dsago

Only victims in an accident. The owner of the car in his payment policy can not receive

Osago

Only victims in an accident. The owner of the car in his payment policy can not receive

Casco.

The owner of the car receives payments on its policy

Can the insurance company refuse to sell polis

Osago

No, he can not. But it can refer to the technical failure or inaccessibility of the PCA database. Then the client will redirect to another company

Is it possible to purchase separately, without another policy

Dsago

As a rule, it works only with the policy of Osago

Pros, Cons, Underwater Stones DSAgo

Suppose, an inexperienced driver fell into an accident in his fault - I did not manage to slow down at the traffic light - and gathered several cars. One of them rolled out to the crossroad, faced with another car, people were injured. As usual in such a situation - traffic police, ambulance, proceedings.

But on this trouble do not end. It happens that after assessing the damage it turns out that the culprit of the accident has no money. His insurance company on OSAO will have to pay the victims of the money. But the limit of payments by law - 400 000 Рfor each harm victim in terms of compensation and 500,000 Р- In terms of compensation for harm to health. This is not always enough.

If payments do not cover all the damage, the victims have the right to apply to the court to recover money from the culprit to repair or compensate the damage that caused their health. Most likely, the court decides that the culprit should pay. And if he does not have money or not enough, they can arrest bank accounts, property and limit the departure abroad. It will also have to pay not only damage, but also legal costs.

If The culprit had a voluntary insurance policy of autocarted responsibility, he Gave The following advantages:

  1. You can save on payments if the damage to the accident exceeds 400,000 Р.
  2. No need to spend money on lawyers and legal costs. If the damage compensates for the insurance company, the likelihood is that it will be commemmed without a trial. And if the victims anything It does not suit - in most cases the defendant will not be the driver in court, but the insurance.
  3. Do not have to reimburse anything in pretty order.
  4. It will be possible to avoid legal proceedings, and therefore, to save on the execution of judicial bailiffs, accounts and property will not be arrested.
  5. Do not have to spend time and nerves on the proceedings.

Dzago is also there, although they are not so much:

  1. The insurance companies are not always drawn up of the DSAGO policy separately from other insurance products. Some sell it in the load on the OSAGO or CASCO.
  2. For DSoago, the insurance company has the right to request a car to inspect. But this is the right - not all insurers use them.
  3. As in any type of voluntary insurance, with the bankruptcy of the insurance company, problems may arise with compensation. Even if the policy of OSAGO and DSAgo led one insurance and it broke down - the damage to OSAGO will cover the means of the Special Fund. But for voluntary auto insurance such a fund does not exist, so there will be no coverage. In order not to get into this situation, it is better to contact an insurance company with a good reputation that has been operating on the market for many years. True, it does not guarantee that it will not go bankrupt, but the risk is less.

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Who needs Polis

It is believed that the policy of dsago needs novice drivers. In fact, it is not. No driver is insured against participation in the accident, how if He was experiment.

If necessary Really, DSAGO to each driver, you can appreciate the neighbors in the parking lot and by what cars drive through the streets of the city.

The driver lives in a small district center or urban type village. The inhabitants of this city owned mainly domestic cars and inexpensive foreign cars. Premium-class cars or not quite, or very little. In this case, the damage to the accident in most cases will cover the policy of the OSAGO. Although, if the driver does not have time to slow down at the crossroads in front of the new Mercedes guest from the capital, it is likely to pay extra from his pocket.

In megalopolis and major cities, the situation is a bit different. There are budget models in parking lots stand next door to very expensive machines. And, if you get into an accident according to my own fault, the amount of damage may turn out to be more and the OSAGO will not cover all the damage.

Insurance conditions for the policy of DSAGO

The types and conditions of insurance are not regulated by any law, so the insurance companies establish them within the rules that the insurance itself prepares and in a notification manner sends to the Central Bank of Russia.

Not every insurance sells dsago policies separately from other policies. Many insurers offer them as an additional option at CASCO or DSAGO is available only to those who acquire the policy of OSAGO in this company. There is another option that when you first buy DSoago, you will have to buy and CASCO in addition.

Separate Polis of DSoago B & NBSP; Tinkoff Insurance & NBSP; Provided & NBSP; - This is one of & nbsp; Casco Policy OptionsSeparate Polis of DSoago B & NBSP; Tinkoff Insurance & NBSP; Provided & NBSP; - This is one of & nbsp; Casco Policy Options
In the "reso-guaranterators" there is a separate policy of DSAGO, but it can only buy it those who in this company issues the OSAGO
AT " Reso-guarantees "There is a separate policy of DSAGO, but it can only buy it those who in this company issues the OSAGO
Those who make up the policy of DSAGO for the first time, will have to first acquire the Casco Policy. With & nbsp; re-buying such a restriction will not be
Those who make up the policy of DSAGO for the first time, will have to first acquire the Casco Policy. When re-buying such a restriction will not

How dsago works

Driver continues to ride also , as before. Polis lies in the car next to the Osago and Casco, if it is. If the machine does not fall into an accident - it is not used in any way.

If the car became a member of the accident - it all depends on the circumstances of the accident. The following options are possible here.

The owner of the Polis of DSoago is not to blame for an accident. In this case, the dsago policy does not work. The victim receives compensation on the policy of the culprit - if this policy is. But even if it is not, the damage will reimburse the Rs from the Special Foundation.

The owner of the DSAGA policy is to blame for an accident, but there are no injured. There is no damage too. So it happens - for example, on a slippery road, the car turned over and no one was injured, and the car fenced. Polis DSAGO also does not help. But CASCO will be quite by the way - if it is.

The car owner is to blame for an accident, and the amount of damage is less than 400,000 Р.The policy of DSAGO does not work in this case: damage will be commemmed on the policy of the CTP.

Accident happened due to the wine owner of the car, the damage is more than 400,000 Р.In this case, all expenses up to 400 thousand will cover the policy of the OSAGO, and all that more than 400 thousand, the insurance will be repurchased by the Policy of DSAGO, but also within the payments under the insurance contract.

What receives the driver as a result. As a rule, if the driver is to blame for an accident and he has no Casco, he does not receive any money or repairing his car at the expense of an insurance company. All payments and repair are allowed only by the affected side.

But options are possible. The insurance contract may provide for the payment of insurance compensation and the owner of the policy. This is possible only in one case - if the insured in coordination with the insurer independently reimbursed the damage caused. Now he I would like to Get this money from the insurance company.

But in this case, the insured will have to prove the insurance company that the losses that he reimbursed the victim really were associated with the onset of the insured event, and the insured event was indeed.

The Supreme Court admits this opportunity, but, in my opinion, this is not the most reliable way to solve the issue. If there is a policy - with an accident, it is better to act as the insurance company says. And it is hardly will advise.

Conditions of contract DSAGO

Restrictions. The more drivers are allowed to control - the more expensive the policy can be. The most expensive policy, as in Osago, - without limitation by the number of drivers. Insurance companies in this case cannot assess the driver from the point of view of its accuracy, caution and driving experience. When buying a policy without restrictions, it is conventionally believed that the driver can control the driver with minimal experience, therefore the tariff is higher.

Aggregate and non-aggregative type of payments. These are two types of payments in the policy.

The aggregate insurance amount is the amount when there are restrictions on payments. For example, autocarted responsibility on the Policy of DSAGO is insured by a million rubles and First same DTP Damage was at once a million. The insurance company will cover it, but if an aggregate type of insurance is specified in the policy, after that it is better not to fall: there will be no more payments in the DSAGO policy.

Ungregate payments do not depend on the number of accidents and are paid within the sum insured for each case. But there is such a policy more expensive on 15-20% .

Franchise reservations in the contract. Franchise is the part of the losses that the insurance company does not compete. It is always prescribed in the contract: so the car owner and the insurer are negotiated in advance about the amount that insurance does not cover. The more franchise, the cheaper Policy.

Comparison of conditions for DSAGO franchise with other types of auto insurance

Osago There is no franchise. In this form of insurance, it is not provided for by law. Insurance company reimburses all losses, but not more than 400,000 Р
Casco. The size of the franchise is negotiated by the insurer and the insured. The more franchise - the cheaper policy
Dsago Franchise, as a rule, is at least 400,000 Р. Moreover, it does not cover it by the car owner, but the insurance company - but by payments on the policy of OSAGO

Osago

There is no franchise. In this form of insurance, it is not provided for by law. Insurance company reimburses all losses, but not more than 400,000 Р

Casco.

The size of the franchise is negotiated by the insurer and the insured. The more franchise - the cheaper policy

Dsago

Franchise, as a rule, is at least 400,000 Р. Moreover, it does not cover it by the car owner, but the insurance company - but by payments on the policy of OSAGO

Validity. The term of the Polis of DSoago coincides with the term of the OSAGO policy. These are different types of insurance, but the driver's voluntary liability insurance is impossible without compulsory.

At the same time, the term of operation can begin earlier than the DSAGO. It happens if the driver decided to arrange one of the policies later. But the term of their action will end anyway in one day.

What damage covers dsag

An example of calculating insurance compensation. In the theory, everything looks like this: for example, the car fell into an accident. The culprit has an active policy of DSAGU by 500,000 РWith a franchise in the amount of payment of payments on the policy of CTP. In this case, damage is made.

If the amount of damage is less or equal to 400,000 РPayments are produced only on the policy of OSAGO.

If the damage was exactly 500,000 Р, the calculation is:

  • 400 thousand covered in the policy of the CTP;
  • 100 thousand - in the field of DSAGO.

In this case, drivers should not have anything to each other, all reimburses the insurance company.

If the damage is 600 000 РReimbursement looks like this:

  • 400 thousand covered in the policy of the CTP;
  • 100 thousand - at the Policy of DSAGO;
  • Another 100,000, which do not cover any of the policies, the perpetrator will have to pay from his own pocket. But even in such a situation he is winning: without voluntary insurance to him would have had Pay more.

Another option. The amount of damage is 450 thousand rubles:

  • 400 thousand covered in the policy of the CTP;
  • 50 thousand - in the Policy of DSAgo.

In this case, no one should also anyone. The remaining 50 thousand insurance no one pays to the hands.

What depends on the price

Each Insurance Company has the right to establish its own insurance conditions and the rules for the formation of the cost of policies. Insurers are obliged to publish insurance rates, but if in the conclusion of the insurance contract yet They will refuse, unconditional reasons they are not required.

As a rule, when decorated, the following factors take into account:

  1. Age drivers. If he is less 22-23 years , insurers can increase the insurance rate or even refuse to design. The experience of such drivers less, they fall into the accident they are more often - many insurers increase the amount of insurance tariff, fearing the negligence of the driver.
  2. Driving experience. What he is less, the more expensive there is a policy. The most expensive policies are drivers with experience less than three years.
  3. The purpose of the use of the car. If the machine is used for personal purposes - the policy will be cheaper. If the machine is used for commercial purposes, for example, in a taxi, the policy can rise in price.
  4. Insurance history of drivers. The more often they fell into an accident in their own fault, the more expensive there will be a policy.
  5. Engine power. The principle is simple: a powerful car provokes the driver to ride faster. So, the risk is higher, and the policy will cost more.
  6. Type of vehicle. For a passenger car, truck and bus rates will be different.
  7. Driving region. DTP statistics may depend even on the country's region. With the temperament of the population, it is almost not connected, but the intensity of the movement is everywhere different. In the center of Moscow, the risk of getting into an accident is much higher than in the village where only dozen cars.
  8. The number of drivers admitted to the control of the machine. What they are more, the higher the probability of an accident.

Insurance amount. Each Insurance Company has the right to determine fixed values ​​of insurance amounts itself. Some insurers approved standard insurance amounts for themselves in a certain amount: for example, 400,000 Р, 600,000 Р, 1 000 000 Р, 1 500 000 Р, 3 000 000 Р. Others offer to the insurer independently decide on the amount of the sum insured, after which the corresponding tariff is calculated.

Statistics. Each company conducts its own statistics, which is taken into account in the formation of tariffs and calculating the cost of insurance policies.

Validity. Duration of the Polis of DSAGO Each company determines itself, but usually it is from month to year.

Accounting. There are two car insurance options: taking into account wear or without it. But according to the DSAGO policy, there are no damage to the owner of the policy, but the affected side. What a car will suffer and what kind of wear will be - to guess or impossible to guess or assume. Therefore, the wear in this form of insurance is not taken into account.

Is it possible to save. There are two main ways to save:

  1. Make a policy of DSAGO with Osago and Casco. In this case, you can ask for a discount.
  2. Led as careful and try not to fall into an accident in its fault. In this case, any insurance policy will automatically become cheaper.

Order order

Selection of an insurance company. Dersago is issued only in insurance companies that have a valid license. If there is no license - the organization cannot engage in insurance services.

Therefore, I recommend to start registration from the appeal to the Unified State Register of the Insurance Subjects. If there is a company in this registry - everything is in order, it can buy polis. If the license responds - the organization is excluded from the registry and it cannot sell policies. And then I advise you to compare tariffs and choose what is profitable for you.

This is how the unified register of subjects of the insurance case looks like. It indicates the types of insurance, license status and even the website of the company on the Internet
This is how the unified register of subjects of the insurance case looks like. It indicates the types of insurance, license status and even the website of the company on the Internet

Documents. If the insured case yet An insurance company has the right to demand the following documents:

  1. The acting policy of DSAGO.
  2. Documents confirming the fact of the incident. Depending on the situation, this may be a traffic police protocol or Europrotokol.
  3. Statement in the form of an insurance company. The company can issue a blank in the office, send it through an application or email.
  4. Passport or other document certifying. For legal entities, an extract for registration of a legal entity in the territory of the Russian Federation will be required.
  5. Documents that identify the vehicle. This may be a vehicle passport, a vehicle chassis passport, if we are talking about old machines - registration documents established by the regulatory legal acts of the Russian Federation, RSFSR, USSR, issued until 1993, including certificate of registration, technical passport or technical coupon vehicle.
  6. Document for ownership of a car.
  7. Driving license and other documents confirming the right to manage this car.

Companies with a good reputation always prescribe a complete list of documents in the contract, and samples of the necessary documents are posted on the site.

Terms of registration. Registration of any insurance policy rarely takes more than two days. Sometimes the policy can be made immediately when contacting the office and even remotely.

How to get paid on dsag

After submitting an application for insurance compensation, automatically payments are not made. The insurance company orders an examination that determines the cost of restorative repair. And already according to the results, the examination becomes clear what to do next. If the affected car can be repaired - it is directed to repair. If the car repair is impossible or in an accident caused damage to the life and health of people - payments will be monetary.

What is dsago and when it is useful

  1. Voluntary auto insurance of civil liability helps to save money in case the accident occurred due to the driver's fault.
  2. Look at the neighbors in the parking lot and on which cars are more often found on the roads. If there are many expensive cars - the policy of DSAGO can save from excess spending.
  3. The best way to save on DSAGO is to buy it together with Osago and Casco policies.
  4. When choosing an insurance company, check whether there is a She in the registry of the Central Bank of the Russian Federation.

Regardless of experience, accuracy and driving experience, any participant in the road can become a culprit of an accident. At the same time, there are often cases of serious accidents with the participation of expensive vehicles that cannot be completely covered by OSAGO payments.

Photo: Mystrahovki.ru.
Photo: Mystrahovki.ru.

In such a situation, the responsibility for the full reimbursement of material damage lies on the shoulders of the culprit of an accident. It was for such cases that a special policy of DSAGO was created. The fact that he represents is and how it can be issued, let's talk later.

If you have a question for a lawyer, ask it in the form:

What is DSAGO?

DSAGO or voluntary insurance of autocarnate responsibility, this is a specialized insurance protection provided for in case of damage to third parties.

This type of insurance is usually drawn up in addition to the mandatory CTP to expand the possibilities of insurance coverage.

In cases where the driver becomes a member and culprit of an accident with a possible damage to someone else's motor vehicles or health, the insurer undertakes to pay compensation, the amount of which is established by the limit specified in advance.

DIFFERENCE DRAGE FROM OSAGO

DSAgo is an addition to the OSAGO and works only in cases where payments on CTP cannot block the amount of property damage caused by the affected side. According to the contract of DSAgo, the maximum coating amount is chosen to you personally and can be installed up to 30 million rubles.

DIFFERENCE DRAW from CASCO

Another insurance option is CASCO, from which DSAGO is distinguished by almost all items. Casco insures only the building of your vehicles, and not material responsibility to the affected side at an accident. In addition, the price of this policy reaches 8-10% of the estimated value of your vehicles per year, which is much more expensive than the most advanced Polis of DSoago.

See also: The difference between Osago and Casco .

How does it work and why is it necessary?

DSAGO is purchased to increase the amount of possible costs for compensation for damage over the OSAGO limit set by the state. Many car owners prefer this particular option and have two polishes at once, while only units are acquired separate insurance.

For example, both insurance policy is issued on your vehicle and in case of contact with a common level of damage, estimated at 1 million rubles, 400 thousand will be paid on the OSAO, that is, the entire limit provided, and the remaining 600 thousand undertakes to repay the DSAGI policy.

Who will suit DSAGO?

There is a natural question, who needs this additional passage of auto insurance, and what drivers will be really helpful to conclude a contract of DSAGO? It will be advisable for the following categories of vehicles:

  • participants of the lively road in metropolis with large road traffic;
  • living in settlements or areas with a large concentration of expensive cars;
  • considerable drivers who do not have sufficient experience and confidence in the management of the vehicle;
  • Drivers often falling into an accident and having a tendency to aggressive driving style.

Order order

The process of registration of DSAGO does not take you a lot of time and effort. An application for insurance of its transport can be submitted on the official website of the insurer.

There is also an opportunity to issue a fully electronic policy, although it is much easier to come to the office of your chosen company and arrange everything for 30-40 minutes than to fill out the questionnaires and provide digital copies of documents.

Where to buy Polis DSoago?

DSAGO is drawn up in specialized insurance companies that have a relevant license to provide this service. In order to test her presence, look at the register of the Bank of Russia. If the license of the insurer is absent, revoked or limited, then it has no right to sell policies. The best solution will be refracted from the use of services of this company and find another, in which you all will be issued by law.

See also: Rating of the best insurance companies of the current year .

An excellent option will be the conclusion of an agreement for the purchase of a mandatory insurance policy of the OSAGO and additional DSAGO in the same company. It is likely to save you from spending unnecessary nerves, since the insurer is one organization, and payments, accordingly, will be held in a simpler and rapid format. However, if you have already issued the OSAGO earlier, you can use the services of another company, especially if its tariffs are more profitable to the one where you bought a mandatory insurance policy.

Documents

Like any other conclusion of the contract, the design of DSAGO requires the availability of certain documents:

  • passport or other document that will be suitable as a certifying personality of the owner of the vehicle;
  • driver's license with an uneasy period;
  • the power of attorney of a third party, obtained from the owner of the vehicle, in case of its use by this vehicle;
  • PTS or other other document capable of confirming the presence of state registration of the vehicle;
  • Treaty for the current and previously purchased policy of OSAGO.

At the same time, each individual insurance company can request additional documents. Specify this question when contacting.

What depends on the price

This amount is the maximum payment of the payment threshold in the case of an insured event. The price of buying the policy directly depends on it.

For example, if the insured amount is 300 thousand rubles, the price of the policy per year will cost you about 1200-1800 rubles. If you wish the insurance amount in the amount of 30 million rubles, the price of insurance will also increase 10 times to 12-18 thousand rubles a year.

For most autotransport owners, there is a sufficient size of an insurance sum that does not exceed one and a half million rubles, with compulsory annual spending on the policy of DSAGO 3.5-5 thousand rubles.

This item includes many factors that each individual insurer considers individually. Here are the most frequent and used:

  • Features of your vehicles: year of manufacture, engine power, cargo or light machine. All this one way or another is taken into account when forming prices;
  • Driving region. DTP statistics in different regions of the Russian Federation are significantly different, so you must specify the region in which you plan to ride most of the time. Polis itself works throughout the territory of the Russian Federation;
  • number of drivers. If you drive your vehicle yourself, the price will be alone if other people are used by attorney, it can be somewhat increasing;
  • Experience and driver's experience. Study of accident statistics allowed insurers to identify the connection between this parameter and the size of the insurance price;
  • Your statistics. All available information about your past accidents, which is stored in the OSAGO information base, will be the domain of an insurance company. Based on this data, insurance prices can rise or descend.
  • The term of the policy.

There are various options for the conclusion of the insurance contract, but in bulk, as is known - always cheaper. Polis itself can be issued for a period of 1 month to 1 year.

See also: For what period can I arrange a CASCO?

The insurer also looks at the wear of the spare parts of your vehicles and pays the price for the big mileage and the overall condition of the car. With the insurance case, the amount of compensation will be less, since all insurers use the same base and calculation tables.

In this case, you can choose a payment point without taking the level of wear into account. Then the price of the policy is natural will be higher, but it is quite justified, because all the costs of repair and acquiring new spare parts are covered. Before the conclusion of the contract, it is recommended to familiarize themselves with the rules for assessing the cost of repair in your insurance company.

Features of dsago

In comparison with the obligatory OSAGO policy, the DSAGO is voluntary, therefore insurance companies are usually offered by car owners more flexible tariff conditions. They include various additional options in them, thereby differentiating the risks associated with the maximum amount of payments in the insurance case.

Next, we will talk about the main features of DSAGO in accordance with the facts set out above:

  • Different insurance coverage limits. Some insurers establish a forced bar in 1 million rubles, although in some cases the maximum amount of payments may vary up to 30 million. It all depends on the particular company, as well as the tariff that you agree to pay. The more the size of the sum insured, the annual payment will be more, respectively.
  • Wide range of available tariffs. Due to the voluntary procedure for entering into an Agreement on the PRESS, the company insurers are not regulated by the state law and can establish their own tariffs for services. The price depends on the set of factors listed above, as well as from the appetites of the insurer.
  • The DSAGA agreement may contain the so-called franchise. This means that small accidents and damage from them falls on the shoulders of the culprit of the incident, while major accidents compensate for the insurer.

It is also necessary to remember that the drug policy is an additional insurance and is bought over the existing CTP, which means that payments will be made only after receiving compensation from the compulsory insurance policy and only if there is an excess of the amount for its maximum limit.

See also: What is an integration on CTP ?

How to get paid

Both participants of the accident must provide the required package of documents to the insurance company. For the owner of the vehicle, on which the policy was decorated as follows:

  • a copy of the document capable of identifying, for example, a passport;
  • a copy of the document that confirms the driver's right to control the TC data, for example, TCP;
  • certificate of an accident, which lists visible damage to the vehicle of both participants in the accident and the indication of all the circumstances of this event;
  • a copy of the protocol indicating an administrative violation, if available;
  • a copy of the decision of the administrative violation, if any;
  • A copy of the certificate of medical examination, if it was conducted.

And Documents of the victim:

  • application for payment;
  • a copy of the document capable of confirming the identity of the victim;
  • confirmation of the fact of the participation of the victim in this accident;
  • Documents with the registration of vehicles of the victim;
  • a blank with a notice of an accident;
  • copies of all documents received from the traffic police after an accident;
  • Bank details.

After filing all documents, the Insurance Company will decide on the possibility of insurance compensation in favor of the victim. At the same time, the term of consideration of the application for payment is regulated by the contract that you have concluded during the purchase of the policy.

If the case of an accident falls under the definition of insurance, then the company pays the required amount into bank details either directly at the checkout. If the amount of damage exceeds all limits installed by insurance policies, the residue will have to reimburse the culprit of the incident at his own expense.

Conclusion

The DSAGO policy can expand the total amount of insurance coverage in the event of an accident up to one and a half million rubles and even more. However, the conclusion of the second insurance contract increases the costs of services. Therefore, it is suitable for drivers who have reasonable reasons for additional insurance.

On average, payments on DSAgo are produced within 20 workers calendar days.

If you have any questions or difficulties, you can always ask for help in chat to our online consultant or call a free number: 8 (495) 877-46-44.

A source: Mystrahovki.ru.

What is a permit

DSAGO is an addition to the CTP policy, that is, this insurance contract cannot be concluded if the car owner does not have a mandatory autocitance. Within the framework of DSAGO, the insurer's responsibility limit is noticeably increasing: the fact is that the insurance amount under the OSAGO is fixed and legislatively established separately for causing harm to third parties and for cases of damage to the property of third parties.

Features of the insurance of prey

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Currently, OSAGO insurance can not always help victims in a traffic accident in full. Thus, according to the current legislation, the payment limit by the Insurer is limited for each insurance case of 400 thousand rubles. in terms of property and 500 thousand rubles. In terms of life and health.

Nevertheless, about 20% of cases of this coating is not enough: this problem is relevant for compensation for property, since insurers often underestimated payments due to accumulated car depreciation. For obvious reasons, the excess of payments over the legislatively established level is paid from the pocket of the accident of an accident, which is not always convenient (according to chapter 59 of the Civil Code of the Russian Federation). In these cases, the car owner will use the DSAGO policy, which has the following features:

  1. This type of insurance is voluntary, that is, no company has the right to oblige you to acquire the insurance of DSAGO.
  2. DSAGO cannot be purchased without the existing policy of mandatory autocareties, and the insurance time for these two insurances should coincide.
  3. The maximum coverage within DSAGO is selected by the insured from the options offered by the insurance company. Separate insurers are ready to establish a limit of responsibility of 30 million rubles, but the most common offer is 1 million rubles.
  4. Insurance amounts, as at the obligatory auto-trap, are non-aggregate, that is, the limit under the contract is established for each insured case and does not change over time.
  5. Tariffs for voluntary autocarty are not fixed within certain intervals, in contrast to OSAGO. Thus, insurance companies have the right to set tariffs at their discretion (however, they still have to be economically reasonable, since all tariff rules are checked by the Central Bank);
  6. Payments on DCAGO are made if the compensation on the OSAGO was not enough to reimburse the damage to third parties. Thus, the CCAGO has priority in the occurrence of an insured event.
  7. Almost in all cases, the DEARCHA agreement consists of an unconditional franchise in the amount of coating on the CCAMA. Thus, the strict order of insurance payments is fixed: first at the CTP, then on DSAGO, then, if this insured amount was not enough, the car owner himself pays for the victims.
  8. This insurance applies only to the driver's responsibility and inscribed in the contract of third parties. If the road accident occurred due to the fault of the person not included in the DSAP policy, then the payments will not be paid, as it is necessary to conclude a separate contract of liability insurance.

Who fits this insurance

First of all, the Insurance of the Departmentain is relevant in major cities where a large number of expensive vehicles ride. For example, most foreign cars by age up to 5 years have an insurance cost of more than 400 thousand rubles. Even taking into account depreciation, therefore, in the situation of Total - an insured event, within which the car is no longer subject to recovery, - the policy of OSAGO will not be able to compensate all the costs of the accident.

It is also necessary to take into account the factors that increase the risk of road accident. These include:

  1. Age and driver experience. The younger the motorist, the more dangerous, it controls the vehicle. What he is inexperienced, the more likely it will fall into an accident. Similar logic is used when calculating the coefficient for age and experience in the CTP.
  2. The overall driving style, for example, if the motorist is inclined to chopping and creating dangerous moments on the road.
  3. The type of roads, which most often drives the car owner. For example, on high-speed speeds, the speed mode is much higher than in the city drawing, therefore the likelihood of getting into an accident there is more.

What damage covers

To answer the question of which damage covers this insurance, it is necessary to recall what DSAO insurance is. In essence, it is an expanded CTP, respectively, the insured risks there are the same: the insurer will reimburse the costs in case of damage to the health and life of third parties or damage to the property of third parties within the road and transport incident.

Please note that the same logic works in relation to the DISAGO, as well as on CTP: the action of the policy extends to all road users except the driver; Accordingly, to expand the coating in terms of life and the health of the car owner, it is necessary to purchase separate insurance.

How much is

How much does dsago costs

As mentioned earlier, the insurance of voluntary auto-trap is not regulated in the form of tough price borders legislatively, respectively, each company establishes its own tariffs. There are several factors that significantly affect the final cost of the policy:

  1. All the same parameters that are used when calculating the cost of CTP: age and experience of a car owner, type and model of vehicle, its engine capacity, region of preferential driving, etc. Please note that the insurer has the right to enter their own correction factors, for example, to calculate the coefficient Bonus Malus in its own way, and not tighten it from the OSAGO policy.
  2. The size of the sum insured. For obvious reasons, the more the limit of the insurer's responsibility, the higher the Tariff in the DSAGO policy.
  3. The option of accounting for amortization when calculating insurance compensation. If the insurer will take into account depreciation wear, the insurance payment will be less, respectively, if there is this option, the price of the policy will also be lower.
  4. The presence of a franchise in the amount of coating on the CTP. If there is something available, then, as with any other franchise, the cost of insurance will be significantly lower.
  5. The presence of additional services (for example, the services of the emergency commissioner, ambulance or evacuation of the vehicle). Usually they are offered in the framework of the CASCO insurance contract, but they can be included at an additional cost and in the policy of DSAGO.
  6. The number of drivers under the contract. The less drivers are included in the coating, the higher the predictability of their behavior for the insurance company. Accordingly, the insurers increase the tariffs in the event of an increase in the list of drivers on the disagree.
  7. Insurance of OSAGO and DSAGO in one company. According to the law, the Client has the right to issue autocartery insurance agreements in various insurance companies, but in practice it is rare. Often, insurers are trying to attract the client with the provision of small discounts due to the joint insurance of OSAGO and DSAgo on the same day. Similar discounts can be provided to the client with joint insurance of DSAGO and CASCO.

The average cost of the policy of voluntary autocarties ranges from 0.5-2% of the selected sum insured, that is, when choosing a coating of 1 million rubles. The cost of insurance will be about 5,000 rubles.

What is needed to conclude an agreement

What is needed to conclude an agreement

Several generalizing advice for those who have not yet understood about DSAGO - what it is and how to enter into an agreement.

  1. It is necessary to check the availability of a license from the insurance company. In contrast to OSAGO, where the license to carry out activities is issued by a narrow circle of insurers included in the RSA, the DEARCO can sell any wishing company. However, as already mentioned earlier, usually voluntary autocitors are trying to buy in the same place, where both mandatory. Verification of the license is carried out through the site of the Central Bank.
  2. Since insurance companies are usually sold, and their intermediaries (agents and brokers) are usually selling, and their intermediaries (agents and brokers) are desirable to make sure that the policy acquired earlier was not sold by fraudsters. To do this, go to the RS website and check the database for the availability of your obligatory autocarting insurance contract.
  3. The optimal version of the DSoago policy is an agreement with the sum insured from 1 million rubles, in which the depreciation wear is not taken into account. The fact is that the savings on the policy will be minimal if you select the depreciation option, and when an insured event occurs, you will have to pay extra from your pocket. Similarly, it does not make sense to save on the insurance amount, since almost half will not be covered by DSAGO due to the franchise (though, it will be covered according to the OSAO).
  4. Pay attention to the conditions for accounting for insurance amounts on OSAGO and DSAGO. In most cases, the coverage on the voluntary auto-trap is mandatory, but sometimes insurers are proposed to fold these coatings (for example, for damage to property, total coating may be 400 thousand rubles. According to OSAGO + 1 million rubles. According to DSAGO = 1.4 million rubles. ).
  5. The insurer can introduce penalties for a large number of insured events, as well as the division of the insurance amount in cases of property and life and health. All these nuances need to be specified at the layout stage.

Which companies are offered

DSAGO is one of the types of insurance in which fraudsters are most often opened. This is due, first of all, with a close relationship with the CTP. Insurance companies are quite reluctant to insure in this form, however, and refuse to design are not eligible. Accordingly, the policy will be guaranteed to be sold to any of the companies that are presented in the OSAGO market and is a member of the Russian Union of Autogues.

Payments: how to happen

Payments on the departure: how happened

Payments on DSAgo occur only after the insurance coverage in the framework of the CCAMA is fully consumed. Recall that insurance amounts in both cases are unagnatory, that is, the payment on the decision begins in that situation when 400 thousand rubles were paid in a separate case. for property or 500 thousand rubles. For damage to life and health of third parties.

Consider a specific example. Suppose the client has in the hands of OSAGO and DSAGO policies, and a franchise is fixed in the amount of the coating of the CTP, and the insurance amount is equal to 1 million rubles. The client became a culprit of an accident, in which the total was the Total - a third party's foreign car cannot be restored. If a foreign car is estimated at 1.5 million rubles, then 400 thousand will pay the Insurer on the CCAMA, another 600 thousand - on DSAGO, and the remaining 500 thousand rubles. The client must pay independently.

For registration of payments requires standard documents by analogy with OSAGO:

  • application for the occurrence of the insured event;
  • policies of the mandatory and voluntary insurance of autocarted responsibility of the culprit of an accident;
  • passport perpetrator of an accident;
  • Certificate for the vehicle, the passport of the vehicle, the culprit and the victim in the accident (in case of damage to property);
  • Help from the traffic police in form number 748.

Dates of payments on DSAgo are set by each insurance company individually. Due to frequent cases of fraud, the deadlines are sometimes tightened, but on average, 2 weeks are.

Can insurance refuse payments

The insurance company has the right to refuse to payments on DSAgo for the same reasons, due to which the refusal occurred on the CTP, and also if the payment on the OSAGO was sufficient to compensate for the damage to the victim. In general, DSAGO is not a replacement, but a useful addition to the policy of compulsory autocareties.

Catalog of Insurance Companies of Russia

Link You can familiarize yourself with the catalog of insurance companies of the Russian Federation offering the service of the mandatory auto insurance of the OSAGO. Description of organizations, topical financial indicators, rating, reviews and other information. In case you have already had a positive or negative experience in an insurance company of any insurance company, leave your feedback. Thanks!

Once again link. Also, be sure to write your comment below. What do you think on this material? And maybe you have questions? Ask!

In Russia, there is a mandatory type of insurance - OSAGO and optional - CASCO. But few are familiar with another type of voluntary insurance - DSAgo.

In this article, we will tell you what dsago is what this contract is needed and in what cases it is worth issuing it.

Types of auto insurance

  1. Each convoy must necessarily issue an insurance policy. Osago . For the absence of the policy, a penalty of 800 rubles is provided. The essence of insurance is that during the accident for the guilty damage, the injury is paid by the insurance company.
  2. Casco. - It is an insurance that protects the insured regardless of who is to blame for an accident. Casco will cover damage, even if the driver himself is to blame for an accident. Also, the damage is paid entirely for all damage, and not within the established amount, as the OSAGO.
  3. Dsago It is voluntary insurance of autocarted responsibility. This policy is an addition to the OSAGO binding policy and protects the driver to other participants in the movement.

What is dsago

This type of voluntary insurance has several names - DSAGO, GOOD, Dago. All this is deciphered as an additional type of insurance for the policy of CTP. Most often, it is called DSAgo. This insurance covers the damage in case of harm to third parties.

That is, in this case, the car is not insured, but the driver's responsibility in front of other people. If the auto owner knocked down a pedestrian or broke someone else's car, insurance will pay damages for it.

Insurance dsago

Than DSAGO is different from Casco and Osago

DSAgo differs from OSAGO because tariffs for additional insurance are established by insurance companies, while prices for the CCAGO are established by the state. DSAGO is an addition to the OSAGO and cannot be purchased separately. But at the same time, the OSAGO and DSAGO policies can be issued in different insurance companies. Then the damage of up to 400 thousand (the coating limit on the OSAGO) will cover one insurer, and all that over this amount will cover additional insurance of DSAGO and another insurer.

The difference between CASCO and DSAGO is that the first option protects your car, and the second is the property and health of third parties. In other words, CASCO is insurance of a personal car, and DSAGO - additional liability insurance to other people.

What do you need dsag

DSAgo is issued in order to increase the amount of insurance coverage on the CTP. What is useful than the policy of DSAGO? On the road, both small accidents and large damage can be happening.

Since the payment of payments is set - 400 thousand rubles, this amount may not be enough to compensate for damage with serious accidents.

For example, if after the accident the amount of damage is 700 thousand rubles, only 400 will be paid on the OSAO, and the remaining amount will have to compensate from its own budget. You can count with the DSAGA policy that all expenses over the Osago limit will cover the insurance company.

Pros and cons of DSAgo

If the driver issued a voluntary insurance policy, it will help to avoid many problems to him. The main advantages of additional insurance:

  • In case the damage to the accident is more than 400 thousand. The driver does not have to pay independently.
  • In the event of discontent the injured part, the defendant will not be the driver itself, and the insurance company, which was drawn up by DSAgo.
  • You can avoid legal proceedings in the case.

But in the Additional Insurance Policy there are disadvantages:

  • Only DSoago will not work out. In most cases, this is an addition to the insurance of CASCO and OSAGO.
  • When buying DSoo, the insurer may require a car inspection.

Who needs to make DSAgo

Many drivers are interested, whether to issue an additional insurance contract. There is an opinion that insurance needs to be issued to all novice drivers. But in fact, even experienced drivers are not insured from the road accidents, so the policy will be useful for all road users.

But there are a number of circumstances when it is better to arrange additional insurance:

  • If the driver lives in a region with a lively movement.
  • Novice drivers, or those who lead uncertainly.
  • Drivers who often fall into an accident and have an aggressive driving style.
Additional Insurance Policy DSAgo

How much is the expanded OSAGO - DSAgo

The total cost of additional insurance depends on several factors.

Insurance amount. This is a cash limit within which payments are carried out. The more the insurance amount, the more expensive insurance.

Statistics. Each insurance company has its own tariffs for DSAgo, according to which it calculates the price of insurance for each client. In these parameters include: region of accommodation, car characteristics, information about an accident, the number of drivers in insurance.

Term of insurance. Policy can be issued both for a year and for several months.

Wear spare parts. When calculating the price, insurance companies take into account the age of cars and wear of its spare parts.

How to arrange a polis of dsag

It is best to make additional insurance together with the policy of CTP. If both polishes are from the same company, then the payment make up will be faster and easier. But if the driver already has OSAGO, then he can arrange DCAGO in any other insurance company.

Application for registration of DSAGO can be submitted on the website of the insurance or to issue DSAGO online.

Documents for designing DSAGO:

  • Passport;
  • Driver's license;
  • Power of attorney for car management;
  • TCP;
  • Osago.

DSAGO (DISAGO) - so called voluntary insurance of civil liability for car owners. This insurance is not mandatory, as the OSAGO, which means its value establishes specialists of insurance companies. Therefore, the price for the design of DSAGO is different in the regions of Russia.

Young drivers and owners of transport in large cities should be learn more about voluntary insurance. In essence, Paying for DSAGU (desego), the car owner receives additional protection . Moreover, given the minor payments on the CTP, when at the accident the injured party will pay no more than 120 thousand rubles for a damaged car and not more than 160 thousand rubles in case the participant of the accident was injured.

general information

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

Given practical experience Osago does not always cover the entire amount of damage . And the victim, of course, asks the perpetrator of the compensation accident, which will have to pay from his wallet.

However, acquiring for an acceptable amount of DSAGO (DISAGO), the motorist is essential Reduces the chances of the fact that in the event of an accident he will have to pay damage from his pocket . Voluntary insurance is purchased separately (with an existing policy of mandatory autocarties) or additionally to the CCAMA when designing the latter.

Car owners are worth knowing some of the features of DSAGO (DISAGO). For instance, Limits, conditions and cost of additional insurance determines the company . The size of the maximum payment establishes the car owner. This is usually no more than 2.5-3 million rubles.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

And the most important thing, Payments on DSAGO (DISAGO) are carried out in the case when hesago is not able to cover costs To repay the amount of damage. To get the payment of DSAGU (desego), the affected side must be applied to the company where the car of autoavaria is insured. Remember: OSAGO and DSAGO can be decorated in different companies . Provide or learn this information at the time of the DTP protocol. First, demand payments on the CTP policy , and then at extra insurance.

What is it for?

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

  1. Polis DSAGO is also guaranteed to avoid payment of compensation for harm deposited in an accident (including those cases, if a foreign car is damaged, pedestrian or vehicle passengers).
  2. But there is a significant difference between Osago and DSAgo. OSAGO is mandatory for each driver, while policy DSAGO is needed to motorists who consider the amount of compensation provided by the state insufficient To cover spending at a traffic accident.

The most interesting thing is that these people are right. The current cost of cars, spare parts, repair and medical services is so much so much that Mandatory autrollight is unlikely to cover them completely .

This is especially true if a large accident occurs, not necessarily with affected people, and with several machines that have received damage. It's obvious that, Having dsago, you will have to pay extra the remaining amount from your wallet .

Statistics state that every fifth accident causes such damage that it is impossible to cover the payment on the policy of Mercago. Limit of mandatory autocareties is limited - no more than 400 thousand rubles. This amount you, in theory, should be enough for compensation for harm to health and for payment of a damaged car.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

Therefore, Not having an insurance policy, you cannot take advantage of voluntary insurance capabilities .

In such a situation, the Polis of DSAGO (DISAGO) is invalid. Voluntary insurance Does not imply some rigid restrictions on the minimum and maximum size of the sum insured. Each insurance company establishes its meanings, and the client chooses the most appropriate.

Now the most popular are Policy-coated policies from 10 to 15 thousand dollars . Having a policy of DSAGO, you can not worry about what you have to spend your money for repairing someone else's car. Voluntary insurance compensates for dozens, and sometimes hundreds of thousands of rubles to the victims of an accident, arranged in your fault.

Polis of DSAGO, first of all, it will be suitable for two types of drivers at once:

  • young motorists who do not have a lot of experience;
  • Drivers who control the vehicle in an aggressive manner.

Concerning Insurance companies in the design of DSHOs offer free bonuses .

In addition, the damage to the accident will be paid to the insurance company, the driver will receive:

  • Free departure Commissioner at the scene of an accident;
  • Evacuation of a car , help on the road in the event of an unforeseen situation;
  • Free certificate collection in various bodies and departments;
  • insurance payments not taking into account wear of the parts of the car (with the OSAGO estimate of the parts of the parts is mandatory).

The motorways competing among themselves seek to register in the package of additional insurance as many services as possible. Do not be lazy to spend time on learning all offers, evaluate their benefits and take into account the nuances. To arrange a policy of DSAGU (desego), need to provide about six documents . However, usually these papers are at hand at the motorist.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it worksHere are their list:

  • statement on the conclusion of the contract for the policy of DSAGO;
  • passport, any other identity card (for an individual);
  • Certificate of registration of a legal entity in the territory of the Russian Federation (in the event that the applicant represents the interests of legal entities);
  • the passport of the car, or the certificate of registration of the car in the mandatory autocarty;
  • a document confirming the right of ownership of a car;
  • Driving license and other documents confirming the right to managing this car.

Price

It is mistaken to believe that the cost of the DSAP policy with material responsibility in millions of rubles is comparable with the cost of the Casco Polis . In addition, people who consider so begin to hope for their own skill management of the car, and in the end refuse to acquire voluntary insurance.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

In the end, it leads to the fact that In the event of an accident, the motorist has to cover the damage to their money . Tariffs for liability insurance (DSAGO, OSAGO) are much lower than the car insurance (CASCO). These are the main components, of which the cost of DSAgo :

  • view, car type, year of release;
  • limit responsibility, that is, the maximum amount of possible payment;
  • insurance period;
  • engine power;
  • The age of motorist and its driving experience.

These are the main indicators for which experts of insurance companies are focused on At the conclusion of DSAgo. Average, The cost of the policy with a limit of 300 thousand rubles is about 500 rubles . DSAGU (DISAGO), according to which insurance is provided up to 3 million rubles, will cost about 3 thousand rubles.

In advance of the purchased policy of DSAGO (DISARO) will allow the driver to feel confident on the road. Of course, when compliance with traffic rules. Unfortunately, If the contract of DSAGO (DISCO) has already been signed, then the owner will not be able to increase the amount of insurance . However, this nuance can be circumvented, if you conclude an additional agreement that increases the overall limit of responsibility.

Maximum payouts

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

Usually, There are no specific numbers - insurers are invited to conclude dsago in the amount of several thousand to several million rubles . On average, from 250 thousand rubles to 3-4 million rubles. The amount of payment is calculated provided that funds in the policy is not enough to cover the damage at an accident. That is, the missing amount is paid.

For example, you became a culprit of a triple accident . Your car is damaged by 150 thousand rubles, the machine of the second participant of the accident received damage to 50 thousand rubles, and the third participant of the accident is 200 thousand rubles.

According to the rules Osago , the insurer will pay for all victims 160 thousand rubles . The exclusion itself is the perpetrator of the automotive accident. In this way, On dsago, another 90 thousand rubles will be allocated.

Advantages and disadvantages

Among the advantages of the Polis of DSoago, it is necessary to allocate such as:

  • protecting the interests of the motorist during damage to someone else's property;
  • compensation for all losses by the insurance company;
  • the ability to cover costs in the event that serious harm to the health of the accident participants is inflicted;
  • The cost of the Polis of DSAGO does not affect the number of persons allowed to control the car, the parking place.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it worksIt is difficult to highlight the disadvantage of DSAGO, it will correctly indicate the limitations who are spelled out in the Voluntary Auto Insurance Policy:

  • Inability to receive payments to repair your own car ;
  • Failure to pay insurance in the event that If the culprit of the accident was drunk behind the wheel or disappeared from the scene;
  • Failure to pay insurance in the event that If the car was hijacked or the wheel was a man who was not inscribed in the insurance policy .

DSAGO - Osago Polis Expansion , the design of the latter is required for voluntary insurance. However, not necessarily both policy make up in the same office.

  1. Take care that the validity of DSAGO (DISAGO) coincided with the term of the OSAGO policy.
  2. When concluding a contract for the Policy, there are no specific conditions.
  3. Only such moments are taken into account as the amount of responsibility, the type of car and the conditions in which it is operated, and the term of the contract.
  4. So, The DSAGO policy is necessary if the CTP cannot cover the amount of damage caused in an accident.
  5. Often, the mandatory autocaretry does not cope with this task, which means that voluntary insurance is the best way to take care of the future.

Wherein, Paying a small amount, the car owner gets insurance for hundreds and millions of rubles . It is much better to pay several thousand rubles for the policy of DSAGO than after the accident pay hundreds of thousands of rubles, which may not be with you.

A source: https://avtourist.guru/strahovanie/osago/dsago.html.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

Even the most experienced and neat driver sometimes becomes the culprit of an accident. If the accident is serious, and the damaged car is expensive, payments on the CTP do not cover the damage completely, and the culprit of the accident must compensate the difference independently. In such cases, the Polis of DSAgo helps. We tell what dsago is and how to arrange it.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

DSAGO is voluntary insurance of autocarted responsibility. If the owner of the DSAO policy hurt a strange car even on a very large amount, it will not pay it, but his insurance company.

What is the difference between DSAGO from OSAGO?

DSAGO complements the OSAGO. DSAGO begins to work if payments on the CCAMA are not enough to compensate for damage to the victims. Under the contract, the amount of maximum coverage you choose from the options proposed by the insurer - at least up to 30 million rubles.

Type of insurance Osago DSAgo

Is it necessary to buy polis? Be sure to law Optional
Maximum payment for repairs 400 thousand rubles Any choice
Who determines the insurance rates (the price of insurance)? Insurance company - within the framework established by the state Insurance company independently

Where to buy a policy of dsag

You can issue DSAGO in any insurance company that has a relevant license. Before buying the policy, check the company in the register of the Bank of Russia (you can also do this in the Directory of the Financial Market Participants). The insurer is not entitled to sell the policies of DSAGO if his license is withdrawn, suspended or limited, and such a company does not precisely stand in such a company.

The most reasonable to buy the policies of DSAGO and OSAGO in one insurance company. This will save you from unnecessary trouble: upon the occurrence of the insured event, the same organization will be dealt with the payment. However, if you decide to purchase the insurance of DSAgo after registration of OSAGO, nothing prevents you from entering into an agreement with another company, for example, if its tariffs are more profitable.

What is the price of the price of the DSAP policy:

  1. Insurance amount

    This is the maximum amount that you will be paid when an insured event occurs. The price directly depends on it. With an insurance amount of 300,000 rubles, the cost of the DSoagol policy is usually varied usually from 1,2 to 1,800 rubles. If the maximum coverage is 10 times more - 30 million rubles, then insurance will cost from 12,000 to 18,000 rubles per year. Most drivers choose the insurance amount up to 1.5 million - it is enough in the absolute majority of cases. Such a policy will cost an average of 3.5-5,000 rubles per year.

  2. Statistics

    Specific tariffs for DSoo Insurer calculates independently based on statistics, given the many factors:

    • The vehicle features are an easy car or cargo, what year of release, what engine power - all this affects the tariff.
    • The region in different parts of Russia the number of drivers and accidents are different, therefore the tariffs differ. In the contract you specify a region where you are driving most of the time, but the policy acts across the country.
    • The number of drivers if the car drives not one person, but a few, the policy will be a bit more expensive.
    • Drivers experience Age and driving experience, taking into account accident statistics, also affect the cost of the policy.
    • Personal statistics Information on the number of traffic accidents due to specific drivers is stored in the automated information system of the OSAGO and information databases of the insurer. If a person often falls into the accident, the tariff for it will be higher. If you drive carefully for several years, then get a discount.
  3. The term of the polis

    If you need a car, for example, to ride a cottage, you can buy insurance only for the summer.

  4. Accounting

    When calculating the payment, insurance companies usually take into account the wear of spare parts. The older the victim vehicle (TC), the wear is larger, and the amount of compensation on parts is less. All insurers are used to calculate the directories of the Russian Union of motorways (RSA).

When making a contract, you can choose the payment without taking into account the wear. The price of the policy in this case will be higher, but it will cover more repairs. Before signing the contract, be sure to study the procedure for determining the cost of repair in the rules of the DSAGO of your insurer.

DSAGO - voluntary insurance of autocarted responsibility. What it is and how it works

For the design of DSAgo, the following documents are needed:

  • passport or other document certifying the personality of the host of the vehicle (TC);
  • driver's license owner of the TC;
  • Power of Attorney for TC management if there will be several people to drive it;
  • TCP or other document confirming the car registration;
  • The acting policy of OSAGO.

How to get paid on dsago:

DTP participants must submit a package of documents to the insurance company.

Documents from the owner of the policy:

  • copy of the passport or another document certifying the person;
  • copy or original insurance policy;
  • A copy of the TCP or another document confirming the driver's right to manage the insured TC;
  • certificate of an accident with a list of visible damage to the TC of the participants of the accident and an indication of the circumstances of the event under consideration;
  • a copy of the Administrative Offense Protocol (if available);
  • a copy of the decree on an administrative offense (if available);
  • A copy of the document confirming the procedure for passing a medical examination (if available).

Documents from the victim:

  • application for payment;
  • copy of the passport or another document certifying the person;
  • Documentary confirmation of the participation of the victim in an accident;
  • registration documents for the car;
  • filled out of an accident notice form;
  • copies of DTP documents issued by the traffic police;
  • Bank details to list the amount of insurance compensation.
  1. The Insurance Company decides on the payment of insurance compensation. The term for meditation of the insurer is clearly defined - written in the conditions of the insurance contract. The countdown begins from the moment when the insurer received all the necessary documents from the accident participants, and the owner of the policy and the victim fulfilled everything that was prescribed by the rules of DSAGO. For example, presented a damaged car to inspection.
  2. If the case is recognized as insurance, the insurer pays money to the victim. The amount of insurance indemnity can list the victims on the requisites specified or to pay the insurer through the cash register.

So, the Polis of DSAGO is not mandatory, but reduces your financial risks. Buy it or not - to solve you.

A source: https://fincult.info/article/dsago/

What is dsago and do you need to make this insurance?

Regardless of experience, accuracy and driving experience, any participant in the road can become a culprit of an accident. At the same time, there are often cases of serious accidents with the participation of expensive vehicles that cannot be completely covered by OSAGO payments.

In such a situation, the responsibility for the full reimbursement of material damage lies on the shoulders of the culprit of an accident. It was for such cases that a special policy of DSAGO was created. The fact that he represents is and how it can be issued, let's talk later.

What is DSAGO?

DSAGO or voluntary insurance of autocarnate responsibility, this is a specialized insurance protection provided for in case of damage to third parties. This type of insurance is usually drawn up in addition to the mandatory CTP to expand the possibilities of insurance coverage.

In cases where the driver becomes a member and culprit of an accident with a possible damage to someone else's motor vehicles or health, the insurer undertakes to pay compensation, the amount of which is established by the limit specified in advance.

DIFFERENCE DRAGE FROM OSAGO

DSAgo is an addition to the OSAGO and works only in cases where payments on CTP cannot block the amount of property damage caused by the affected side. According to the contract of DSAgo, the maximum coating amount is chosen to you personally and can be installed up to 30 million rubles.

Terms of insurance policy Osago Dsago
Do I need to make this policy? Yes, and necessarily at the request of the laws of the Russian Federation. It is drawn up at the request of the owner of vehicles.
The amount of the maximum possible insurance payments. Not more than 400 thousand rubles. Select yourself.
Who is responsible for tariffs for the cost of insurance services. Company, but within the framework of the Russian Federation established by the legislation. Insurance company for your choice.

DIFFERENCE DRAW from CASCO

Another insurance option is CASCO, from which DSAGO is distinguished by almost all items. Casco insures only the building of your vehicles, and not material responsibility to the affected side at an accident. In addition, the price of this policy reaches 8-10% of the estimated value of your vehicles per year, which is much more expensive than the most advanced Polis of DSoago.

How does it work and why is it necessary?

DSAGO is purchased to increase the amount of possible costs for compensation for damage over the OSAGO limit set by the state. Many car owners prefer this particular option and have two polishes at once, while only units are acquired separate insurance.

For example, both insurance policy is issued on your vehicle and in case of contact with a common level of damage, estimated at 1 million rubles, 400 thousand will be paid on the OSAO, that is, the entire limit provided, and the remaining 600 thousand undertakes to repay the DSAGI policy.

Who will suit DSAGO?

There is a natural question, who needs this additional passage of auto insurance, and what drivers will be really helpful to conclude a contract of DSAGO? It will be advisable for the following categories of vehicles:

  • participants of the lively road in metropolis with large road traffic;
  • living in settlements or areas with a large concentration of expensive cars;
  • considerable drivers who do not have sufficient experience and confidence in the management of the vehicle;
  • Drivers often falling into an accident and having a tendency to aggressive driving style.

Order order

The process of registration of DSAGO does not take you a lot of time and effort. An application for insurance of its transport can be submitted on the official website of the insurer. There is also an opportunity to issue a fully electronic policy, although it is much easier to come to the office of your chosen company and arrange everything for 30-40 minutes than to fill out the questionnaires and provide digital copies of documents.

Where to buy Polis DSoago?

DSAGO is drawn up in specialized insurance companies that have a relevant license to provide this service. In order to test her presence, look at the register of the Bank of Russia. If the license of the insurer is absent, revoked or limited, then it has no right to sell policies. The best solution will be refracted from the use of services of this company and find another, in which you all will be issued by law.

An excellent option will be the conclusion of an agreement for the purchase of a mandatory insurance policy of the OSAGO and additional DSAGO in the same company. It is likely to save you from spending unnecessary nerves, since the insurer is one organization, and payments, accordingly, will be held in a simpler and rapid format.

However, if you have already issued the OSAGO earlier, you can use the services of another company, especially if its tariffs are more profitable to the one where you bought a mandatory insurance policy.

Documents

Like any other conclusion of the contract, the design of DSAGO requires the availability of certain documents:

  • passport or other document that will be suitable as a certifying personality of the owner of the vehicle;
  • driver's license with an uneasy period;
  • the power of attorney of a third party, obtained from the owner of the vehicle, in case of its use by this vehicle;
  • PTS or other other document capable of confirming the presence of state registration of the vehicle;
  • Treaty for the current and previously purchased policy of OSAGO.

At the same time, each individual insurance company can request additional documents. Specify this question when contacting.

What depends on the price

This amount is the maximum payment of the payment threshold in the case of an insured event. The price of buying the policy directly depends on it.

For most autotransport owners, there is a sufficient size of an insurance sum that does not exceed one and a half million rubles, with compulsory annual spending on the policy of DSAGO 3.5-5 thousand rubles.

This item includes many factors that each individual insurer considers individually. Here are the most frequent and used:

  • Features of your vehicles: year of manufacture, engine power, cargo or light machine. All this one way or another is taken into account when forming prices;
  • Driving region. DTP statistics in different regions of the Russian Federation are significantly different, so you must specify the region in which you plan to ride most of the time. Polis itself works throughout the territory of the Russian Federation;
  • number of drivers. If you drive your vehicle yourself, the price will be alone if other people are used by attorney, it can be somewhat increasing;
  • Experience and driver's experience. Study of accident statistics allowed insurers to identify the connection between this parameter and the size of the insurance price;
  • Your statistics. All available information about your past accidents, which is stored in the OSAGO information base, will be the domain of an insurance company. Based on this data, insurance prices can rise or descend.

There are various options for the conclusion of the insurance contract, but in bulk, as is known - always cheaper. Polis itself can be issued for a period of 1 month to 1 year. The insurer also looks at the wear of the spare parts of your vehicles and pays the price for the big mileage and the overall condition of the car. With the insurance case, the amount of compensation will be less, since all insurers use the same base and calculation tables.

In this case, you can choose a payment point without taking the level of wear into account. Then the price of the policy is natural will be higher, but it is quite justified, because all the costs of repair and acquiring new spare parts are covered. Before the conclusion of the contract, it is recommended to familiarize themselves with the rules for assessing the cost of repair in your insurance company.

Features of dsago

In comparison with the obligatory OSAGO policy, the DSAGO is voluntary, therefore insurance companies are usually offered by car owners more flexible tariff conditions. They include various additional options in them, thereby differentiating the risks associated with the maximum amount of payments in the insurance case.

Next, we will talk about the main features of DSAGO in accordance with the facts set out above:

  1. Different insurance coverage limits. Some insurers establish a forced bar in 1 million rubles, although in some cases the maximum amount of payments may vary up to 30 million. It all depends on the particular company, as well as the tariff that you agree to pay. The more the size of the sum insured, the annual payment will be more, respectively.
  2. Wide range of available tariffs. Due to the voluntary procedure for entering into an Agreement on the PRESS, the company insurers are not regulated by the state law and can establish their own tariffs for services. The price depends on the set of factors listed above, as well as from the appetites of the insurer.
  3. The DSAGA agreement may contain the so-called franchise. This means that small accidents and damage from them falls on the shoulders of the culprit of the incident, while major accidents compensate for the insurer.

It is also necessary to remember that the drug policy is an additional insurance and is bought over the existing CTP, which means that payments will be made only after receiving compensation from the compulsory insurance policy and only if there is an excess of the amount for its maximum limit.

How to get paid

Both participants of the accident must provide the required package of documents to the insurance company. For the owner of the vehicle, on which the policy was decorated as follows:

  • a copy of the document capable of identifying, for example, a passport;
  • a copy of the document that confirms the driver's right to control the TC data, for example, TCP;
  • certificate of an accident, which lists visible damage to the vehicle of both participants in the accident and the indication of all the circumstances of this event;
  • a copy of the protocol indicating an administrative violation, if available;
  • a copy of the decision of the administrative violation, if any;
  • A copy of the certificate of medical examination, if it was conducted.

And Documents of the victim:

  • application for payment;
  • a copy of the document capable of confirming the identity of the victim;
  • confirmation of the fact of the participation of the victim in this accident;
  • Documents with the registration of vehicles of the victim;
  • a blank with a notice of an accident;
  • copies of all documents received from the traffic police after an accident;
  • Bank details.

After filing all documents, the Insurance Company will decide on the possibility of insurance compensation in favor of the victim. At the same time, the term of consideration of the application for payment is regulated by the contract that you have concluded during the purchase of the policy.

If the case of an accident falls under the definition of insurance, then the company pays the required amount into bank details either directly at the checkout. If the amount of damage exceeds all limits installed by insurance policies, the residue will have to reimburse the culprit of the incident at his own expense.

Conclusion

The DSAGO policy can expand the total amount of insurance coverage in the event of an accident up to one and a half million rubles and even more. However, the conclusion of the second insurance contract increases the costs of services. Therefore, it is suitable for drivers who have reasonable reasons for additional insurance. On average, payments on DSAgo are produced within 20 workers calendar days.

A source: https://mystrahovki.ru/avtostrahovanie/osago/dsago.

Voluntary insurance of autocarted liability (DSAGO or DEARCO) in 2020

Car insurance in the Russian Federation is divided into several species, and only one of them is a mandatory - OSAGO. All other protection types are voluntary. Their main feature is extended ways to reimburse damage, that is, an increased amount of compensation and a greater number of risks covered. One example of voluntary insurance is the DEARGO (DSAGO).

Types of automotive insurance

Two types of auto insurance are allocated - mandatory and voluntary. If the first option provides for only one type of protection - compulsory insurance of autocarted responsibility (OSAGO insurance), then the second grants the choice of motorist. The most popular method of voluntary protection of the car is Casco.

This is a comprehensive insurance directed to the coverage of not only the damage at an accident, but also from damage (for example, falling on the tree of the tree, the congress in the cuvette, etc.) of theft, the complete death of the vehicle. The insurance amount for CASCO is usually equal to the market value of the car. A feature of such protection is its high price.

Other examples of voluntary auto insurance in 2020 are:

  • protection against accident within the CASCO policy, when damage to the risks is also added to the risks and health damage;
  • "Green map";
  • DSAgo.

How dsago works

This type of protection is just beginning to gain popularity in Russia, so many drivers are wondering: "DISCOUNT - What is it, and how does this insurance work?" In essence, this is an extended version of the OSAGO policy.

Voluntary civil liability insurance of car owners provides for the protection of the responsibility of the owner of the car to third parties, the property or health of which was damaged. Compensation payment on the Policy of DSoago receives third parties.

The main need for insurance with an expansion is to increase the amount of insurance payments. When calculating the amount of compensation, insurers underestimates the amount of compensation, taking into account the wear of the vehicle. Often the payment size decreases by 20-25%. In other situations, the damage caused exceeds the maximum amount of compensation on the CTP.

After all, the treatment of the driver and its passengers, as well as the repair of the car of the culprit of an accident within the framework of compulsory insurance is not paid. In such cases, the desection is applied. With this policy, the owner has the opportunity to increase the insurance payment to the amount, which it will determine independently.

When designing DSAGO, it is important to take into account the following features of this insurance:

  • It is possible to conclude an agreement only if there is an existing OSAGA policy.
  • The period of validity of the permit is similar to the period of OSAGO.
  • The car owner has the right to independently choose the insurance amount. It varies within 300 thousand - 3 million rubles.
  • The insurer can independently determine the tariffs for the disagree. When calculating the insurance premium, factors such as motorist age, its driver's experience, insurance class and TC power are taken into account.
  • The transfer of compensation for DSAGO occurs only after the payment of the obligatory insurance.
  • If the accident occurred due to the fault of the person not specified in the policy, the reimbursement is not paid.
  • The Agreement contains a franchise equal to the Limit of Payments on the OSAGO. Franchise in auto insurance is part of the insurance compensation, from which the motorist voluntarily refuses when the insurance event occurs. Since it first compensation for the CTP, this amount on DSAgo and becomes a franchise.

Who may need a permit

The expanded policy does not interfere with a single motorist, because the road accident is difficult to predict. Most often for such insurance are treated:

  • Beginner drivers.
  • Residents of large cities with a busy transport stream.
  • Lovers ride high-speed highways.

What damage is covered by dsag

Insurance of the DISCOUND is intended to cover the damage caused to third parties. These include the following risks:

  • Property damage - car, road infrastructure, buildings;
  • Damage to life and health to third parties when committing an accident - other drivers, pedestrians, passengers.

The principle of operation of an extended policy is as follows:

  1. A traffic accident occurs due to the fault of the one who acquired voluntary insurance.
  2. The established limit on OSAGO lacks losses affected by the accident.
  3. Losses over limit on the mandatory policy are paid within the framework of the DEARCH.

Differences Dzago from Osago and Casco

What is the difference between these types of insurance, it is more convenient to present in a tabular format.

Osago DSAGO CASCO

Maximum payout limit 400 thousand rubles (500 thousand in the presence of victims) 300 thousand-3 million rubles (optional) 300 thousand -1 800 000 rubles
average cost 5000-15000 rubles 2000-7000 rubles 40000-200000 rubles
Insured Object Driver's responsibility for an accident Driver Responsibility for an accident with an increase in compensation limit Car
The degree of guilt If the insured person is to blame, the damage is not indiscerned him If the insured person is to blame, the damage is not indiscerned him Reimbursed, even if the owner of the policy is to blame
Character of insurance Required Optional Optional

Of course, whether the payment will occur, it depends on a number of factors. So, nor by one insurance compensation will not be accrued if the fact of driving a car drunk is established. Each type of auto insurance provides legal reasons for refusing to pay from the insurer.

Documents for DSAgo

Extended insurance for the machine is drawn up if there are following documents:

  • the current policy of OSAGO;
  • Certificate of registration of the vehicle;
  • the driver's license of the owner and other persons admitted to the management of the machine;
  • National passport of the car owner.

A set of documents provided to obtain a deduction coincides with the one that is presented to purchase mandatory insurance.

Where to issue dsago

Of course, it is important to know where to buy an expanded policy. This can be done in the office of any insurance company. It is advisable to combine compulsory and voluntary insurance and get 2 policy from one insurer. SC usually offer additional protection when designing the CTP.

Order order

If the insurance company is already selected, you should appoint a meeting with its employee and provide the specified set of documents on the appointed hour. Making a single policy from one insurer, the motorist will save time when an insured event occurs - it will be enough to visit one company for writing a statement for payment.

To issue a voluntary basis, it is also necessary to choose the type of payments carried out:

  • SC takes into account the wear of the vehicle.
  • SK does not take the car wear into account when calculating.

The second option is much more profitable for the car owner, since the amount of compensation in this calculation will be more. But the cost of the policy is the method of accrual above.

The cost of the expanded polis

It is logical about how much extended insurance is. Few who want to pay extra after the cost of the mandatory policy. It should be noted that, unlike the OSAGO, there is no tariffs established by the legislation of tariffs.

The cost of the deseco is under the influence of a number of factors, the main of which is the size of the insurance coverage. To determine the maximum sum insured, the company takes into account the following indicators:

  • the insurance period on the OSAGO;
  • technical characteristics of the car (year of manufacture, engine power, vehicle type);
  • chosen by the insurer limit responsibility;
  • The age of motorist and his driver's experience.

On average, the policy per year will have to pay:

  • 1000-2000 rubles - with a limit of 300-500 thousand rubles;
  • 3000-6000 rubles - if the limit varies within 500 thousand - 1.5 million rubles. This is the most popular option among car owners;
  • 12-18 thousand rubles - with the highest possible additional coating under the DSAG program in 3 million rubles.

The price of the policy depends not only on the size of the coating, but also on the age of the driver, its experience, such as TC, as well as on the number of persons allowed to control the insured machine. When calculating the value of the CTP policy, all these indicators are also taken into account, but tariffs for mandatory insurance are established at the legislative level.

How payment compensation is paid

To obtain compensation for voluntary insurance, first of all should be informedly informed the insurer on the occurrence of the insurance event. After the notification, the deadline for submitting the necessary documentation to the SC office is usually equal to five days. For residents of remote areas allowed to supply securities within 15 days.

A set of documents depends on who submits it. From the culprit of the accident will be required:

  • a statement describing the event that has happened;
  • insurance contract;
  • copies of the driver's license and national passport;
  • a copy of the administrative offense protocol if it is;
  • A copy of the conclusion after a medical examination, if it was conducted.

Help about an accident since October 20, 2017 is not issued. The victim in the accident should submit:

  • Application request for compensation;
  • a copy of the passport;
  • Documents from the traffic police confirming the onset of the insured event. These may be protocols, rulings, other papers indicating that the insured is indeed victims in the specified accident;
  • filled out of an accident notice form.

Cash will be paid after consideration of all documents. The period of payment depends on the SC, as well as how timely the necessary papers were provided.

findings

DSAGO in insurance every year is gaining popularity. This policy protects the insured from the costs associated with the payment of compensation to third parties if its amount exceeded the cost of the coating on mandatory insurance.

The peculiarity of voluntary insurance is that without the current policy, it will not work it. The permit, in essence, is an extended mandatory insurance with an increased amount of compensation in the event of an accident. The main risk of which the insurer is defended is the damage caused by the life, health and property of third parties.

A source: https://1avtoyurist.ru/straxovanie/osago/dosago.html

What is DSAGU (delight, Dago) and why need an extended CTP

In addition to the mandatory liability insurance of drivers (OSAgo), you can also purchase voluntary insurance (DSAGO). The cost of such a policy depends on the insurance limit, but on average does not exceed 1,000 - 3,000 rubles per year. DSAgo expands the possibilities for receiving compensation and protects the car owner from very large losses.

What is DSAGO (DISARGO, Dago)

Voluntary insurance of autocarted responsibility - insurance protection in the case when the driver causes damage to third parties. This type of insurance is purchased to expand the coating on the CTP (mandatory type of insurance).

If the driver falls into an accident and hurt a foreign car or cause serious injury to people, the insurer will pay compensation within the limits established by the limit contract.

Voluntary insurance allows you to:

  • expand the insurance amount up to 500,000 - 3,000,000 rubles or more;
  • purchase additional options;
  • Install a franchise in your choice.

In accordance with the law "On compulsory insurance of civil liability of vehicle owners", there is a limited limit on OSAGO (up to 400,000 rubles for property and up to 500,000 rubles in life and health).

If the damage received in an accident will be more, then you will have to pay extra charge of your pocket. So that this does not happen, the drivers buy DSAgo. Insurance cases on OSAGO and DSoago coincide, but payments on voluntary insurance are carried out only if the damage exceeds the compensation limit specified in the CTP agreement. The list of insurance cases on DSAGO includes the damage caused by the property of the victim, the costs that it was forced to incur, as well as the court tracts due to the emergence of controversial situations.

IMPORTANT! Usually, DSAO begins to act only when the OSAGO limit is not enough to repay damages.

What is different from the CCAGO and CASCO

OSAgo voluntary insurance is distinguished by limits and cost of the policy (DSAGU is more expensive: from 0.12 to 0.5% of the selected sum insured). DSAGO is not mandatory insurance. But if there is no Osago policy, then the driver can finish the traffic police officers.

From Casco, this type of insurance is distinguished by almost everyone. First, the CASCO is insured by the car body, and not responsibility to third parties. Secondly, the price of a full casco can reach 8-10% of the car's cost per year, which is much more than the cost of the most expensive DSAgo.

How it works and why it is necessary

The purpose of the purchase of DSAGO: expanding the coverage with the state established by the state of the OSAGO limit to the amount determined by the insured. As a separate insurance, DSago is rarely buying. For example, you have two policies: Osago and DSAgo. In case of contact with the accident and causing damage to 1 000 000 rubles, the full limit of 400,000 rubles will be paid, and the remaining amount will be paid on DSAgo 600,000 rubles.

To whom it will come in handy, and when it is impractical to buy

DSAGO will be beneficial to those who do not lead a very good car and have repeatedly hit the accident. Clash driver-novice with an expensive foreign car can end in large losses. If you are an experienced driver, then it may be enough for one policy of Osago. The validity of the DSAGO is usually equal to the period of action of the OSAGO.

What damage covers an extended CTP

Expanded CTP covers a limit above 400,000 rubles for property and 500,000 rubles for the health and life of victims in an accident.

To what limit is possible expansion

DRA limits usually do not exceed 30,000,000 rubles, but such large limits are rare. These are mainly about 1-3 million rubles, this is quite enough at the average accident on the road.

How the insurance compensation for DSAgo is calculated

Insurance compensation depends on the amount of damage caused, accounting for wear and other factors. The exact amount is determined by examination. When determining compensation, it is taken into account:

  • car age;
  • The average price range on auto parts in this region;
  • The average cost of restoration work;
  • Franchise (not covered by the insurer part of the loss).

After deducting the percentage of wear and franchise, money is paid at the cost of a hundred to carry out repair work. In some cases, they can be issued on the hands of the victim (if such an order of calculations is provided for by the Treaty).

If at the accident, the health of people was damaged, then the calculation of compensation is carried out on the basis of a special table (annex to the decree of the Government of the Russian Federation No. 1164), where all types of payments are listed on the basis of injuries.

For example, 15,000 rubles will be paid when concussing the brain, and in the case of the sternum fracture - 35,000 rubles. The maximum payment is possible only in the eventual outcome or receipt of a disability group. Unlike OSAGO, where more than 500,000 rubles cannot be obtained, the limits can be much more large, for example, up to 3,000,000 rubles and higher.

What does the cost of the policy depend on? Is it possible to save?

The cost of insurance depends on:

  • selected sum insured;
  • car power;
  • driver's experience;
  • The number of people admitted to management.

When buying a policy, you can get a discount for a break-even ride (if this is not the first insurance case), as well as choose a large franchise and an aggregate insurance amount, which will also help reduce insurance costs. If the policies are bought by a package (OSAGO + CASCO and DSAgo), then discounts for comprehensive insurance.

How to calculate? Calculation procedure and example

On average, the price of DSAGO varies from 0.25% to 0.5% of the limit of payments for insurance damage. For example, if you choose a coating of 300,000 rubles. The policy will cost from 750 to 1 500 rubles.

How to issue dsago

For the design of DSAgo, you need to go through an easy procedure. Insurance application can be submitted through the insurer's website. Many companies also offer the possibility of making an electronic policy. But in most cases, the easiest way to come to the office of the selected company and issue insurance for 30-40 minutes.

Selection of an insurance company

For the design of DSoago, the first thing you need to choose an insurance company. For this, you will have to study the top 10 motorways, focusing on the volume of their fees, payments, the size of the assets, the development of the infrastructure. It is desirable that the company has many loss settlement centers and a large level of payments (the ratio of fees to payments).

Choosing the SC, it is necessary to consider:

  • Does she have a website with the ability to pay the policy remotely;
  • whether the emergency commissioner is possible to place;
  • what exceptions in payments;
  • What is the average size of payments in the company.

The insurer must necessarily have a license for OSAGO and DSAgo. You need to pay attention to the size of the tariffs, the availability of discounts, additional options for programs. Before signing the Treaty, it is important to read the insurance rules.

Documents

To buy the policy, you will need to confirm your identity and the right to the car. The car is rarely examined (usually only in the case of a large insurance limit - more than 1,500,000 rubles).

For the execution of the policy will be required:

  • The driver's license of the person whose responsibility will be insured;
  • passport of the owner of the car;
  • certificate of registration of the car;
  • Technical Passport (TCP);
  • power of attorney (if necessary).

If the driver already has OSAO in the same company, then the insurance process will pass faster, since all information about the client is already in the insurer's base.

Terms of registration

DSAGO can be issued for a period of 1 month to a year. Usually, the duration of the action of DSAGO is tied to the periods of action of the OSAGO.

What receives the driver as a result

After the execution of the policy, the driver receives an expanded policy of DSAGO with large responsibility limits. He looks like an insurance contract, which is desirable to carry with him in case of an accident.

What are the restrictions? Who can't get?

Insurance is sold only to adult persons who manage the car on legal grounds. If the driver insures the driver, then the power of attorney for the conclusion of an insurance contract on behalf of the IP or Jurlitz-employer.

Refuse can only customers who have already been seen in the insurance fraud and hit "Black Lists". The failure of the UK in insurance can be appealed or you can choose another insurance partner.

Features of advanced insurance

Extended insurance has some distinctive features that need to be taken into account when this type of insurance is taken into account.

Aggregate and non-aggregative type of payments

During the design of DSAgo, you will need to choose the payment option: an aggregate or unagnowable insurance amount. In the first case, the limit is not fixed and money can be obtained by all insurance cases provided by the Treaty.

Accordingly, the amount of payment decreases in proportion to the residue of the sum insured. When it reaches zero, the policy will lose its meaning. The aggregate dsago is cheaper than the unagnatory. The ungregate insurance amount is fixed and does not decrease after the accident. Therefore, the number of payments is not limited (within the limits of the limit, naturally).

Application by the insurer of franchise reservations in the contract

Franchise is part of the loss that is not covered by the insurer. Under the contracts of DSAgo, it is set within the insurance amount under the CTP policy. This means that if the damage is less, then payments will occur only on the CTP.

Example of payments taking into account the insurance franchise

The driver of Ivanov insured his responsibility on the OSAO to 400,000 rubles for the property and 500,000 rubles for health and life. Additionally, he decided to purchase Dersago with a limit of 1,500,000 rubles. DSAgo franchise was installed within the insurance amounts on the CTP.

As a result, when accidents occurred and Ivanov caused damage to someone else's car in the amount of 1,500,000 rubles, the insurer paid 400,000 rubles at the OSAGO, and the remaining amount of 1,100,000 - at the expense of DSAgo.

Conclusion

DSAGO allows you to expand the insurance coverage to 1,000,000 rubles or more. But such insurance is more expensive and mainly suitable for those drivers who often fall into the accident. The date of receipt of the payment on the program of DSAO usually does not exceed 20 days.

A source: https://strahovanie.gur/osago/chto-takoe-dsago.html

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