Extended OSAGO insurance is DSAGO (voluntary insurance): conditions, advantages and disadvantages

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

A valid civil liability policy is a prerequisite for using the vehicle. Domestic motorists confidently distinguish between the compulsory OSAGO insurance policy, which guarantees the protection of injured persons, and the CASCO policy, which compensates for damage, regardless of who exactly was the culprit of the accident. Currently, the third option of motor third party liability insurance is gaining momentum - extended OSAGO insurance. It is also called a voluntary auto citizen - DSAGO. Let's see what are the features of this package and what are its benefits.

Unlimited OSAGO

The standard autocitizen policy has its own loss coverage limits. The amount for OSAGO without additional services is guaranteed by the state and cannot be increased. Therefore, in particularly severe cases, when a large amount of damage is proven by the court, the perpetrator has to pay extra to the victim out of his own pocket. The same norm is enshrined in the Civil Code of the Russian Federation, Art. 1072, according to which, it is the perpetrator of the accident who bears the fullmaterial responsibility for the liquidation of the damage caused. In this case, a special version of OSAGO will help. DSAGO allows you to fully pay compensation to the victim due to increased insurance limits. Such insurance is more expensive, but it also has more coverage. The amount of payments under the extended OSAGO is up to 15 million rubles. Therefore, if you are not satisfied with the standard package of motor third party liability, and you want more, you can take out extended insurance. This OSAGO is especially relevant for beginners who have recently sat behind the wheel.

Many companies offer extended packages that include additional services. Extended OSAGO from theft will help you get compensation in case of theft of a car. Experienced car enthusiasts with more than three years of accident-free experience can easily issue an OSAGO without additional services - driving experience is a reliable guarantee that even in the event of an accident, the damage will be minimal.

DSAGO characteristics

Extended OSAGO insurance is characterized as follows:

• DSAGO is an integral part of the OSAGO policy. It is not possible to obtain a voluntary liability insurance package without a compulsory motor vehicle citizen;
• total cost, basic requirements and amount of mandatory payments are set by representatives of the insurer;
• the time for payments under extended OSAGO insurance comes only after the limit on compulsory motor insurance has been exhausted.

What are the benefits of DSAGO?

Voluntary insurance has a number of advantages over the standard "car insurance":

• insured event for voluntary auto insurance is completely identical to OSAGO;
• payments under DSAGO only start when the compulsory motor vehicle citizen cannot cover the amount of damage;
• the number of possible payouts is unlimited, only the final refund limit matters.

CASCO and OSAGO

Drivers should remember that CASCO and DSAGO are different insurance policies. What unites them is that both documents are voluntary types of insurance. The difference is more significant. DSAGO is a more extended version of the standard car insurance - payments for this type of insurance are made in favor of persons affected by the actions of the policy holder. CASCO insurance protects the car of the policyholder, regardless of who caused the damage.

Where DSAGO is issued

Extended OSAGO insurance can be issued at any insurance company, while many of them offer to issue a voluntary auto-citizenship along with a mandatory insurance package. This is beneficial for both the insurance company and the client. The insurer receives a large down payment, and in the event of an accident, the client does not need to run around various insurance organizations and collect additional documents - the payments for the main and extended policies will be borne by the same organization. if the compulsory insurance was issued through the "single agent" option,extended OSAGO can be purchased at any nearby insurance point.

What documents are required for registration of DSAGO

To apply for a package of extended OSAGO insurance, you should prepare the following documents:

• the current car insurance policy, since without it an additional OSAGO cannot be issued;
• document confirming vehicle registration;
• driver's license of the owner of the car or power of attorney to drive the vehicle;
• passport of the owner of the car.

What payouts depend on

You can find out from the representative of the insurance company how much the extended OSAGO costs in the final version. The type of final payment to the injured party depends on accounting for or ignoring wear and tear on the vehicle. Moreover, if there is an agreement that the percentage of depreciation will be taken into account when calculating payments, then the final compensation will be much less. It is more profitable to take out the second type of insurance, in which depreciation will not be taken into account.

How to calculate DSAGO

Calculate OSAGO in the extended version on your own will not work. The maximum amount of the transaction will depend on many additional criteria, the full list of which is established by the insurer. Among the most important criteria:

• Vehicle characteristics;
• term of insurance;
• limit on insurance coverage;
• experience and age of the driver;
• list of additional services.

Based on the information collected, the insurer sets its own rates for this insurance package. For example, a minimum payment of 300 thousand rubles obliges the car owner to conclude a DSAGO policy with an initial payment of 1200-1800 rubles. The average driver, trying to calculate OSAGO in an extended version, lays down the amount of payments in the amount of about one and a half million, which obliges him to pay "volunteer" at a rate of up to 6 thousand rubles a year. At the same time, the bonus system does not apply to DSAGO! To help car owners, many websites of insurance organizations contain online DSAGO calculators, thanks to which you can find out the approximate cost of the insurance package.

Design DSAGO for beginners

For drivers who are driving their own car for the first time, possible situations on the road can cause considerable anxiety. Most of all, drivers are afraid of getting into an accident, but no one is immune from this. But beginners rarely think about their actions after the accident. Meanwhile, it will depend on the initial steps of the driver whether he will be paid a compensation and whether his car will be restored. That is why drivers cannot receive compensation - due to a careless attitude to the conditions of insurance, although in principle every victim has the right to insurance compensation.

Because of what drivers lose the right to insurance? Consider the most common beginner mistakes.

• A participant in an accident leaves the scene of the accident on his own to draw up a protocol.
• The car owner persuadedthe victim to resolve the issue without paperwork.
• The driver restores the car at his own expense, and only then applies for payment.

All these actions make it impossible to further apply to the insurance company for compensation.

How money is paid out

If the driver correctly filed an accident and the insurance company made a decision on compensation, the final payment takes place within five days. For remote regions of the Russian Federation, this period is extended by fifteen working days. To obtain insurance, you must provide the insurer with a certain list of documents. For the culprit of the accident, the list of papers looks like this:

• statement;
• duplicate or original OSAGO policy;
• copy of driver's license and power of attorney (if the driver drove someone else's car);
• certificate from the local traffic police department about the place and time of the recorded accident, indicating the identified damage.

The injured party is also obliged to provide the insurance company with a mandatory list of documents, according to which a decision on compensation will be made. This is:

• application for insurance compensation (a sample can be taken on the website of the insurer);
• passport copy;
• document confirming participation in an accident;
• documents for the car;
• form-accident notification;
• copies of protocols (if any were made during the accident).

Documents are submitted to the address of the nearest office of your own insurance company.

In-kind compensationby OSAGO

Currently, the owners of the vast majority of affected cars do not receive money in their hands, but simply restore their own car at the expense of insurance. Almost all private drivers in our country have been transferred to in-kind payments. According to the innovations, the injured party will not receive money for repairs on hand - instead, the car owner will be asked to repair the car at the nearest auto service center. With what funds the car will be restored - the owner should not be interested. The entire responsibility for the quality repair of the car lies with the insurance company. It is she who chooses the service station, concludes an agreement with her and transfers money for repairs. The injured car owner can only choose the most acceptable option in terms of the distance to the car service and the timing of the repair. If the distance to the nearest service station is very long, or if there is no opportunity to repair this car model in the given region, the insurance company will decide on a monetary compensation under OSAGO. The car owner will also receive money in the event of the complete destruction of the car.

As you can see, extended OSAGO insurance solves many problems and completely removes the obligation to pay damages in case of a road accident from the person responsible for the accident. DSAGO will be especially relevant for novice drivers who are offered by insurance companies to apply for OSAGO with additional coverage immediately after buying a car.