The benefits of auto insurance
In most developed countries auto insurance is an integral part of car ownership.
However, many drivers do not consider that insurance is necessary for them and even buying a policy on compulsory insurance, in no hurry to insure the car against all risks, i.e. the hull of the program.
What is the meaning of auto insurance? In fact, it is nothing like liability insurance in a variety of accidents on the roads. That is, if your fault accident in which someone else car has suffered - it would be repaired by your insurance company which, in turn, draws its finances from the very same money that you pay for insurance each year. Do not need long quarrel with other members of an accident and something to prove to them - all proceedings will take place between insurance companies and not the owners of the vehicles.
This is a huge plus, since releasing a lot of time and operates in both directions - after all, and your car in case of accident can be repaired by insurance company. This applies to the compulsory auto insurance. But voluntary automobile insurance, for example, insures the risks of damage even a party to the accident. It does not matter who is at fault. If you have voluntary auto insurance - you indemnify.
With regard to the rates for auto insurance in urban areas so its cost is higher than in province, which is understandable. In the modern metropolis is very heavy traffic, so that the probability of failure is very high.
The main advantage of auto insurance - damage to the vehicle owner will be refunded in any case, while earlier, before compulsory and voluntary insurance, recovery could be achieved only through the courts, and that the payments were small - no more than a third of the real damage. In addition, auto insurance provides protection against dishonest traffic police officers, who are now unable to manipulate the facts in determining the perpetrator of the accident and receive a bribe.
Insurance company - is a very serious staff of lawyers, which is not easy to hold and which will fight for their client to the end.
Minus of car insurance can be called only that the driver must always carry with him an insurance policy and show it to the traffic police on demand. However, this applies only to compulsory auto insurance. Owners of voluntary insurance policies can safely leave the document at home and show it to anyone not required, only insurance company in the proceedings or other matters.