Insurance without limits: the ideal solution for car owners

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

Many drivers are interested in the question of what is unlimited insurance. This is a type of policy in which you can drive a car not only to its rightful owner, but also to third parties. Unlimited insurance provides a unique opportunity - an unlimited number of people can be driving one vehicle. Simply put, if a family has one car that is used by several people at once, in the event of an emergency, you can always count on compensation for damage, even if at the time of the accident it was not the actual owner of the car who was driving. All this makes this insurance option very popular among different organizations, where the staff of drivers is large, and there are not so many cars.

Such a policy quite clearly defines the responsibility - the degree of guilt of the participant in the accident. This does not affect the amount of payments due to an insured event, of course, if all the documentation is correct. The most important thing is to make sure that the traffic police officer fills out the protocol correctly: everything in it must correspond to what both the participants in the accident and herwitnesses.

Unlimited insurance rumors

You can often hear conflicting opinions about this policy. Some argue that the insured person will suffer multiple losses if the driver gets into an accident through his own fault. This is not so - absolutely all expenses are able to cover insurance payments. The question of how much insurance without restrictions costs is a very popular one. As a rule, the cost is one and a half, or even two times higher, when compared with the prices of a regular policy. It all depends on the specific company. In general, this option is very convenient, first of all, because the driver does not have to worry about who the car is insured for and who can drive. So the overpayment is quite justified.

Limited Insurance Facts

A limited policy can only protect one person. Only the owner of the car has the right to drive a vehicle. If the car has several owners, limited insurance is issued for each of them. Needless to say, unlimited insurance is much more profitable in such a situation?

Unlimited Insurance Benefits

When buying a policy, favorable conditions are obvious:

• any person can drive a car (no fines);
• when filling out documents, the risk is minimal;
• OSAGO insurance without restrictions suggests that in the event of an accident, the owner of the car will not have to pay anything at all;
• if you need to enter an inexperienced driver into the policy (experienceless than 36 months, age less than 22 years old) unlimited insurance option is the best.

If an employee exceeds authority

Infrequently, but still, there are situations when traffic police officers want to deceive drivers who have insurance without restrictions. To do this, they refer to the fact that there are no specific names in the policy that have the right to drive a car. Of course, this is wrong, but there is no need to enter into disputes with representatives of law enforcement agencies, nor should one prove anything. Drivers are not included in any documents, since their number is not limited by any norms. The actions of unscrupulous representatives of the traffic police can always be challenged in court after (or contact their direct management).

Easy design

OSAGO insurance is issued quite easily - almost nothing is taken into account here. Driving experience does not matter, as does the time a person spends behind the wheel. Yes, there is some difference in financial terms, but still an unlimited policy is much more profitable than a limited one. The latter may be more relevant only in some cases (if, for example, the car has only one driver, or when different people drive the car in the family, whose driving experience is different, as well as age). To avoid mistakes, you should carefully weigh all the arguments in favor of one and the other proposal.

Nevertheless, when applying for any insurance, one must not lose vigilance. It is best to work with those companieswho have a positive reputation, recommendations from relatives and friends. This avoids fraud, scams and other problems that abound in auto insurance.

If necessary, even limited insurance can be made unlimited - for this, the owner of the car must write an application to the company where the policy was issued. In such a statement, they indicate what changes you want to see in the insurance - as a rule, the client is simply provided with ready-made forms, where you need to underline the desired item (you should carefully study all possible options). An application can be written even by a trustee of the insured - insurance without restrictions will be issued if there are certified documents.