A bit of history
The idea of vehicle insurance has arisen several centuries ago. The home insurance is considered to be France. In 1800 years one of the most common types of transportation were omnibuses, which were a kind of a bench wagon. First omnibuses carried out the transportation with the help of horses, but quickly got a motor and became a full-fledged car. One of the drawbacks of the omnibus is a very slow speed and the so-called "clumsiness". With it mode of transport in 1896 occurred the world's first crash involving a car, which also entailed serious consequences.
This event became the cause of thoughts about possible ways to protect their property, health and life. It is worth noting that the cars and all means of transportation in those days was considered a great luxury to afford which could not every. Martin Truman is the first "owner", who wishes to insure not only their property but also the liability to other road users.
The emergence of CTP
In Europe the insurance of liability of vehicle owners became compulsory in 1925. In this period the famous Ford actively increased mass production of cars, which affected not only the emergence of availability of vehicles for the population, but in the indirect extent was the cause of numerous accidents.
Mass insurance of cars in Russia appeared only in 1899. During this period on our roads appeared first on "foreign cars". To insure the transport of their responsibility has become profitable for car owners, so in the early 1900-ies almost every driver sought to enter into a policy of voluntary insurance.
The meaning of CTP is damages, which the driver may cause to other motorist during traffic.
In 2003, Russia had issued a new law which meant the already not voluntary and compulsory insurance of third party liability. The main reason for this decision was a significant increase on the roads not only cars of domestic production, but first and foremost, cars.
CTP today
Currently CTP is a mixed reaction of vehicle owners. Some drivers consider this type of insurance is useless, the other does not suit the calculation of insurance premiums, and the third category of people considers the insurance policy the main guarantee of protection for its property and liability. It is noteworthy that the transcript of CTP know not every policyholder.
Insurance assumes compensation of damage not only vehicles, but also to the health of drivers.
The insurance fees are set by the government. No insurance company has no right to make their own changes to the calculation of the insurance premium. At registration of policy OSAGO the important role played by year of production, engine power, experience of the drivers and quality of driving, reflected in the ratio of break-even experience. In addition, the cost of insurance affects the region in which the registered owner of the vehicle.
