DGO insurance is an additional protection for the car owner

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

DGO insurance is a very useful tool that becomes especially relevant in times of increased risk of road accidents. In particular, we are talking about the winter season, when weather conditions worsen and the number of accidents increases.

Features

There is an opinion that DGO insurance is a must. In fact, we are talking about a voluntary instrument of civil liability. DGO insurance is an addition to OSAGO. In the latter case, we are talking about compulsory motor third party liability insurance. When applying for CASCO, you should clarify whether the DGO service package is included.

Some customers opt out of this service to reduce their insurance premium. In this case, the level of protection is significantly reduced. It should be noted that the payment to the victim under the OSAGO policy, in accordance with the law, is limited: 120,000 rubles for property and 160 thousand rubles. “for he alth reasons.”

DGO insurance is a tool that allows you to expand the level of responsibility of the insured, which he bears to the victims. First, the payment of compensation is made through the OSAGO policy. Next stage- receipt of funds for DGO. This sequence should be remembered.

Examples

DGO insurance is legal, but we will look at how it works in practice. Let's start with a simple example. Suppose two cars are colliding. The victim's vehicle suffered damage in the amount of 152,570 rubles. In this case, the reimbursement under the OSAGO policy will be 120,000 rubles. In the absence of DGO 32500 r. will have to pay by yourself. This problem can be solved by means of a policy for 300,000 rubles, which will cost 500 rubles.

Let's consider one more example. Suppose two cars collide, damaging the bus stop in the process. The damage to the vehicle of the victim is 174,800 rubles, and to the urban structure - 317,500 rubles. For OSAGO, the amount of compensation will be 160,000 rubles. In this case, the payment of damages is made to several victims.

Without DGO 332300 r. will have to pay by yourself. A policy for 500,000 rubles, which costs 900 rubles, can help solve this problem. In cases related to damage to he alth and life, everything happens according to the algorithm described above, only the payment numbers, as a rule, increase.

More information

DGO insurance is a service provided by various companies. Terms of provision may differ depending on the company, but most often provides for 100% indemnity. This often does not take into account the wear of spare parts. The insurer may supplement the policy with ancillary services, for example:"Ambulance" and "Accident Commissioner". The dispatch service of the company, which, as a rule, works around the clock, is at the service of customers. In the event of an insured event, expert advice can be obtained at any time. Claims settlement centers also work seven days a week. The standard contract with the company is for one year. The cost of the policy may depend on the type of vehicle, age of the car, driving experience, number of people allowed to drive the car.

In order not to fall for the "cunning" that some companies use, important information should be clarified before concluding a contract. In particular, ask if the policy covers all persons who legally drive a car.