How to insure that you choose?

In auto insurances, there are a number of options that influence the cost of insurance and the amount of insurance payments.Therefore, the choice of these options should be taken very seriously. To make it easier to compare the conditions offered by various insurance companies, it is best to allocate some major "options".Actually, it and find the insurance contract: What is an insured event - it is important that it is the insurance company believes the insurance event and what pays the money.This includes insurance risks and situations in which the insurance company pays compensation (described earlier: accident, fire, flood, falling objects, etc.). Exclusion from insurance events - those cases where the insurance company does not make payments. For example: a cut tire with no other damage to the car - will not be insured event, or theft of the wheels, or a short circuit without fire. Limitations - is a situation where an insurance company limits you in obtaining insurance payments. For example, if you exceed the allowed speed - the company may deny insurance benefits, or reduce its amount. The same concerns: management in a drunken state, control without rights or the rights are not the appropriate category ... The calculation of compensation - the most important and "slippery" moment in insurance. The contract of insurance must be prescribed by the scheme by determining the amount of compensation (by examination, in its calculation, on account of your service stations, on account of its stations ...). What payment options are acceptable: cash on hand, transfer to the account of SRT or the client's account. As well as options for calculating the amount of compensation for total loss of the vehicle (or its theft) - a special situation and it is very important as an insurance company will calculate the amount of payment in this case. Deductible - the amount of money that you do not pay insurance.For the insurance company is cutting off small losses. For you - the amount that is not worth it to begin "dismantling" the insurance company and the same amount will affect the depreciation policy. The larger the deductible - the lower the cost of insurance policy.This can be% of the value of your car (but not the amount of damage) or a specific amount - for example 3000 rubles. Please note that some insurance companies separately identifiable "franchise through the fault of the driver (ie, when an accident your fault). This franchise is usually larger than the standard for damages. But the most unpleasant thing about this is that, in some cases, have to wait for a court decision that the insurance company made the payment, retaining the appropriate franchise.