What cases insures insurance

Current legislation of the Russian Federation provides for the mandatory liability insurance (abbreviated CTP), that is, every law-abiding driver is obliged to insure its liability by issuing this insurance policy. However, the CTP includes not all insurance cases.

General rules

First and foremost, it must be remembered that insurance recognizes the case in which the owner of the insurance policy in the result of a traffic accident caused damage to property, health or life of another person. That is, buying insurance policy, insures the driver not the car, and themselves, and most importantly the condition of payment of insurance payments - the presence of fault of the insured person. Roughly speaking, if in an accident do not blame you, and the other side, the insurance payout needs to provide the insurance company of that party.

The damage to property of another person

The most common insurance event is a damage to property of another person (i.e. the car) in the accident. If there is a traffic accident, the insurance company of the culprit needs to contact the victim. As a result of his treatment will be added to the examination, which will establish the actual value of the damaged parts or the amount of expenditure required to recover them and bring the car in the condition in which it was before the accident. Also non-refundable expenses that the injured party incurred in connection with the accident (for example, the cost of calling a tow truck). It should be noted that the current legislation establishes the following maximum amounts of insurance compensation: for compensation of damages caused to property of several persons - no more than 160 thousand rubles, and for compensation of damages caused to the property of one person is not more than 120 thousand rubles. Damage and expenses, which will not cover the outstanding amount, shall be reimbursed guilty of causing the damage yourself.

The bodily injury

Often in the course of the accident caused harm to health of the victim. In this case, the insurance company of the culprit will be obliged to compensate the victim for past lost earnings (income), expenses incurred by the victim in connection with bodily injury (for example, costs of medicines, surgery, Spa treatment and even retraining for another profession in connection with deterioration of health). All the above expenses must be proven by the injured party. In addition, the victim will have to prove the lack of rights to free getting paid for drugs/services, etc. the amount you pay the insurance company, may not exceed 160 thousand roubles to everyone in need of the treatment of the victim.

The damage to life

Unfortunately, there are accidents with a fatal outcome. Upon the occurrence of such insured event, the insurance company of the culprit will be obliged to pay to 135 thousand rubles people having the right to compensation of harm in case of death of the breadwinner (most often, it's close relatives). In addition, the insurance company is obliged to reimburse the funeral expenses of the deceased, but the amount should not exceed 25 thousand rubles.