Do I need insurance CASCO

On the question of whether each and every car insurance for hull, can not be answered unequivocally: "Yes" or "No"! But anyway, this issue may occur for all car owners. That is why MirSovetov offers to deal with when and why insuring your vehicle is still necessary, and when it is possible and without it to manage. But first, let's define what is CASCO?
What is CASCO?
Do I need insurance KASKOKASKO - insurance of vehicles against theft and damage.
Most people who have heard of Hull, believe that this insurance is "of all." In fact it is not so! Expect to compensation will only be upon the occurrence of events specified in the contract (insurance risks), of which there are plenty of exceptions.

The case of life: leaving the garage, the driver closed the door of the car, causing it has been damaged. The car was insured for hull and the man cursing his carelessness, he went to the insurers filed the necessary documents ... and was refused, as the event does not fall under one insured event.
What are these cases? As a rule ("as a rule" - because different companies list of risks may vary), to insurance claims include: accident, natural disaster, explosion, fire (and only from external influence), falling items, unlawful acts of third parties, rough negligence persons authorized by the management of (in this example the item was not provided by the contract, otherwise the victim would have had every right to payment), and, of course, hijacking. At first glance, an adequate list of the problems that may happen, but ...
There are exceptions to coverage. These include: deliberate actions of the insured aimed at damage to the machine, a crime under control cars (except traffic violations), management intoxicated use of a technically defective vehicle, damage incurred during transport of the machine, its towing boot or unloading, of natural wear and defects in the operation, etc.
Example: a person insured vehicle year. Suitable termination date of the contract. Nothing much in that time did not happen, but the car this year, "worn out": there scratch from a tree branch, where chips pebble, there "divorce" from poor quality wash, etc. The man says: "Why, I paid the money, the car is damaged, go, showing" and is refused, motivated by the fact that "these events are not covered by insurance case" or "it was necessary to declare them to the original terms of a design appropriate documents. "
Therefore recommends that when buying MirSovetov CASCO clearly for yourself to find out all the conditions of the insurance contract:
insurance cases (only loss or damage + theft), and insurance risks;
exclusion from coverage;
the size of the sum insured (the amount by which the vehicle is insured) and insurance premiums (insurance fee);
the existence and magnitude of the franchise (the insurer of the uncompensated damage);
rights and obligations of the parties;
procedures for stealing, destruction or damage of the vehicle;
the procedure for determining the amount of insurance compensation (payment service station or damage assessment, payment with or without wear is reduced if the sum insured after making payments or remains unchanged);
terms of payment;
And only if all the conditions are you fully satisfied, it will be possible to conclude the contract.
In addition, buying CASCO can insure not only the car, but also the lives and health of the driver and passengers, to extend the limit of liability provided insurance for injury to third parties, to insure additional equipment installed in the car and not included in the original equipment.
Why buy CASCO?
The most common reason for becoming Hull, is the requirement of the bank when buying a car on credit. This is mandatory, and we consider this case will not.
The rest of the people who buy CASCO, guided by considerations of their own safety and personal material gain as impose on insurance of hope for a solution to their hypothetical problems.
Some see the problem in the threat of theft, and little interest in other cases. Others do not believe in their own driving skill (usually novice drivers) and their importance, first of all, the risk of accident and gross negligence. Still others leave the car at night in the yard - they concerned illegal acts and falling objects. Fourth worried overall traffic, and they are interested in the risk of accidents.
The case of the insurance practice: people each year insured car on Hull. When the extension of the contract each time the machine recorded the new minor injuries received during the year. On a question why he had not said about these events, a response was received, I fear, because I have two cars stolen, but these little things do not bother me.
The results of the studies to the fears haunting motorist include: fear of "traffic jams", rudeness on the road, road debris, etc. But these problems are concerned a small number of respondents. Most people are afraid of accidents, bad roads, theft, attacks on the driver, that is precisely in cases where Hull can help.
The majority of people buying Hull live in metropolitan areas or large cities. This "geography" is due to several reasons:
the risk of damage to the car in a big city higher than in a small town;
in megacities higher standard of living, that is, people have money, they are willing to spend not only on the purchase of cars, but also on their safety;
residents of large cities tend to be more informed in matters of security, and to have a hull for a new car is becoming the norm.
Why not buy CASCO?
Do I need insurance CASCO is the reason a lot more, but the most common reason - is, of course, "no money." Typically, this case concerns a domestic car buyers or low-cost cars. That is, those people who believe every penny and who do not give their hard-earned 15-25 thousand. Rubles to the first comer, which would benefit in return, he did not promise them.
The second most common reason - it is "not who I do not believe it." Typically, this refers to those who are over forty; those who remember the default, MMM, vouchers, etc. Soviet Rosgosstrakh Many of them were burned on something in the nineties, and their doubts are understandable.
The third reason - a lack of information. The vast majority of the population is very poorly versed in matters of insurance, including hull, and just do not know what benefits can get from insurance.
The fourth reason, we can include those who had once "burned" on the insurance. That is, those who, because of various reasons was refused to pay or was dissatisfied with the amount. In fairness MirSovetov should note that not all such cases, insurers are guilty. Sometimes failure is associated with the actions / inaction of the "victim." A divergence in the assessment of the amount of damage sometimes occurs due to an overvalued level of claims from the victim.
Example: according to the law of insurance payment the amount of damage is done taking into account the wear parts replaced. In practice, we find the following: the victim, received the money goes to buy spare parts and discovers that the new (and he, of course, raises new) receive payments it is not enough. Naturally, he was dissatisfied with the situation, and the guilty, in his opinion, as a rule, are insurers. Similarly, with the hull, if the contract provides for the payment, taking into account wear and tear, it is possible that the victim will remain dissatisfied payout.
There are reasons and from the category of superstition, "If I insure, that to me is exactly what will happen, from which insure". These reasons must, of course, be treated with humor, but on the other hand, we can not say that in some cases they do not have the right to life.
The event in the life of man bought a new car Ford Focus, went to insure insurance, and convinced him to buy a helmet. For the year damaged the car four times. And to renew for next year refused, arguing that 15 years behind the wheel until insure everything was fine, and then ... I wonder what in the Soviet years, he once insured against accident and immediately broke his leg.
Whatever it was, MirSovetov have to admit that for the majority of car owners refusal to buy CASCO painless as anything serious with them is not going well, and those who are not lucky enough, may get into serious financial difficulties, compared with that buy CASCO - a small waste.
Do I need insurance CASCO
"Do you think if I insure the car on Hull?" - I asked one friend. And I, as an insurer, was, of course, the answer is "Yes", but ... after weighing all the pros and cons (personal friend of mine uses a machine rarely, most of the time goes by the service, the car from the category of rare stolen, a large driving experience), we We came to the conclusion that the hull to insure there is no need.
This example of life, of course, can not be defined for all, because the answer to the question "Do I need to buy Hull?" Can only give you! After all, it consists of a number of factors which I have tried to reflect in this article. You should only weigh all wisely and make the right decision.
A few tips for last
You live in a big city, has a new foreign car, actively exploiting it, often leave the car in the parking lots during the day and at night in the yard - you have to think seriously about the meaning of the purchase of helmets.
If you live in a small town, the machine is kept in a garage, driving from work-home - then you need to think twice before buying a policy, as you have a small risk, but it is! And in case you can suddenly lose everything.
You have an old car that passed the fire water and copper pipes - alas, Hull is not for you, even if you want to insure, hardly any company will take your car insurance.