Why you need to insure your car

Anyone who uses a car must insure it. Thanks to the policy, you can compensate for the cost of repairs, treatment of victims in the event of an accident, or compensate for damages caused to third parties in the event of an accident. Without insurance, the owner of the vehicle risks significant costs, lawsuits or even the loss of the car.

In Ukraine, there is voluntary (CASCO) and mandatory (OSCPV, or autocivilka) car insurance. Each of these insurance products has its advantages and disadvantages, as well as different conditions for covering losses.

It is very convenient to issue a car civil at the UNIQA insurance company. On its website, you can quickly and inexpensively draw up an OSCPV contract. This type of insurance is mandatory for all car owners in Ukraine according to the law. OSCPV — victim protection tool. It allows for the costs associated with damage to the life, health and property of third parties as a result of the occurrence of road accidents. For example, if it is necessary to repair a car, then all costs are borne by the insurance company. If necessary, she will also pay for treatment.

When designing a car civil, it is necessary to understand that it has a limited coverage. If not only third parties are injured, but also the culprit of the accident, then he will not receive anything from the insurance company. You should not expect compensation if the car was damaged as a result of events not specified in the contract.

You can register a car civil license in Lviv on the https://uniqa.ua/private/auto/avtograzhdanka/lviv/ website. Here it is also suggested to purchase a voluntary insurance policy — CASCO. This is additional protection, which is issued at will. What exactly the policy will cover depends on the program. Insurance may cover risks such as:

Voluntary insurance has many advantages. First, it is maximum protection. You receive compensation if the car is stolen, damaged or damaged as a result of other actions. Secondly, it is a significant reduction in financial risks. Most of the costs are reimbursed by the insurance company. Such insurance fully justifies itself if you buy a new, expensive car. Thirdly, there is technical assistance on the road. If your car breaks down, it can be repaired on site or delivered by a tow truck to a service station. High compensation — is another significant advantage. The amount of payments usually corresponds to the market price of the car or the cost of repairs.

CASCO also has certain disadvantages. They include the high cost of the insurance policy, although you can always choose the best option. Insurers offer several types of vehicle insurance. The cost of the CASCO policy will depend on the brand of the car, the driver's experience and the region. Depending on the selected insurance, the owner of the vehicle may have difficulties with its registration. Some companies require additional conditions (for example, installing an alarm system).

If the contract requirements have been violated, you may be denied compensation. For example, if the accident occurred because the driver was intoxicated by drugs or alcohol.

As you can see, autocivilka — is a mandatory type of insurance. If the OSCPV is not issued, you risk receiving a fine in accordance with Ukrainian legislation. CASCO — voluntary insurance is an opportunity to additionally protect yourself and your property.