At the time of purchasing a car, the question of the need to purchase an insurance policy appears. The only correct answer is "Yes, insurance is needed." The conclusion of the insurance contract is negotiated in the legislative documents of the Russian Federation. We will figure out which insurance program is provided when buying a vehicle, which temporary restrictions are established.
1
The operation of the vehicle carries the threat of damage to everyone who participates in the road movement. Often it is impossible to ensure affected material compensation. That is why the legislative level provides compulsory insurance of the responsibility of citizens perpetrators in an accident. This type of insurance is customary to be called OSAGO. Payments in the case of an accident are carried out by third parties. Tariffs for OSAGO are regulated at the state level. Casco's insurance policies are voluntary insurance, in the event of an accident, insurance payments are relying the driver and the owner of the car. Each Insurance Company develops its program, sets its tariffs using coefficients calculated on the basis of an accident statistics.
2
In traffic rules in the description of the general duties, the driver states that the driver of the car, in addition to the driver's license, the registration paper on the vehicle is obliged to have in stock, as well as transfer to the inspection of police officers, a signed agreement on compulsory civil liability insurance of a car owner, if required by federal law.
3
The most important document pointing to the need for car insurance when buying is the Federal Law "On OSAGO". In paragraph 2 of Art. 4 The second chapter on the obligations of car owners to insure civil liability says that after receiving the TS to own the car owner, it is obligatory to purchase an insurance policy of its civil liability before registration of the vehicle. The term assigned to the policy is 10 days.
4
If the auto owner refuses to comply with the provision of the Federal Law "On OSAGO", i.e. It is obviously refrained from civil liability insurance, the Administrative Code of the Russian Federation (paragraph 2 of Article 12.37) provides for an administrative penalty.
5
If it is decided to buy a car on credit, you should be prepared for the fact that the creditor bank in order to reduce its risks will oblige to insure a vehicle by the CASCO policy. And while the borrower will not close a completely loan if an insured event occurs, the Bank is the recipient of insurance payments.
Thus, buying a car should be provided for additional costs of the OSAGO policy and calculate the time to meet the deadlines established by law. Purchase of Casco Polis is carried out at the request of the car owner.
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