What is the difference between compulsory motor insurance and comprehensive insurance? What is the difference between comprehensive insurance and compulsory motor insurance - distinctive features. What does the comprehensive insurance policy cover?

In the field of motor transport insurance, two types of insurance are most widespread: CASCO and OSAGO.

CASCO- insurance of cars or other vehicles (ships, planes, wagons) against damage, theft or theft. Does not include insurance of transported property, liability to third parties, etc.

OSAGO- compulsory motor third party liability insurance, in which the object of insurance is property interests associated with the risk of civil liability of the vehicle owner for obligations arising from harm to the life, health or property of victims when using the vehicle.

Many car enthusiasts have traditionally asked themselves the question of the difference between them, and are also trying to figure out which one is better.

Two main types of car insurance

Driving is fraught with many dangers. After all, a car enthusiast cannot even predict his behavior in an unforeseen situation. Moreover, it is impossible to guarantee adequate actions on the part of other traffic participants. That is why every car is subject to insurance. The most common insurances today are CASCO and OSAGO.

The first option involves taking out insurance on a voluntary basis. The legislation does not contain clear rules on the procedure for paying damages, as well as the amount of compensation. These issues are specified in the terms of the agreement concluded by the parties. While OSAGO provides for compulsory civil liability insurance. If the driver has, then the traffic inspector has the right to impose a fine on him.

The amount of insurance payments is established at the legislative level. In addition, the maximum amount of payments upon the occurrence of an insured event is limited. If the damage is greater, the guilty party must cover the difference at its own expense.

Distinctive features of CASCO: insurance cases

The list of insured events is determined by the Voluntary Insurance Rules. According to them, CASCO covers the following risks:

• Damage to the car or its individual elements as a result of a collision with another vehicle. It should be noted that this clause covers an accident involving two or more moving vehicles.
• A collision with a car belonging to the insured person by another car. Moreover, the first car was not a participant in the traffic during the accident.
• Colliding with a building, other stationary objects, pedestrians or animals.
• The vehicle overturns or falls into water.
• Various objects falling on the car, for example, parts of buildings, blocks of ice, etc.
• Criminal actions of third parties. This includes theft or theft of a car, theft of its individual elements or violation of its integrity for hooligan reasons.
• Damage to the vehicle resulting from the actions of road maintenance, utility or technical services.
• Fire, combustion or explosion.
• A natural disaster confirmed by a relevant certificate from the Ministry of Emergency Situations.
• External damage to the machine as a result of animal actions. This risk does not cover damage to the interior caused by an animal inside the car.
• Industrial or man-made accident.
• Violation of the integrity of the car by objects that fly out from under its wheels, etc.

Distinctive features of MTPL insurance: insured events

Briefly, the essence of OSAGO comes down to the fact that the owner protects someone else’s car, not his own. Therefore, if a motorist is found to be at fault for an accident in which someone else’s vehicle was damaged, then the damage falls on the shoulders of the insurance company. It is important to remember that an insured event occurs only during the operation of the car, which implies its movement. If the car was standing still, that is, there is every reason to assert that the vehicle was not in use at that moment.

The last rule is easiest to understand with a simple example. The driver left his car in the parking lot. A garbage truck was passing by and accidentally hit a standing car. This incident is covered by insurance because the garbage truck was in motion. At the same time, if it stopped and the debris in it fell and damaged the standing car, then this will no longer be an insured event.

An insured event under compulsory motor liability insurance means the civil liability of the car owner, which occurs for damage caused to property, health or even the life of the victim.

A prerequisite is a cause-and-effect relationship between the control of the machine and the harm that occurs. Moreover, payments are made only in favor of the injured person.

The following are considered insured events under compulsory motor liability insurance:

• hitting a pedestrian, resulting in damage to the latter’s health or death;
• the driver or passengers of another car were injured;
• the vehicle was damaged as a result of an accident;
• The accident resulted in damage or destruction of property belonging to third parties.

Basic forms of CASCO insurance

Depending on the volume of insured risks, CASCO is divided into full and partial. Full CASCO implies protecting the car from the widest possible range of all kinds of troubles. The classic version provides protection against the following risks:

• an accident resulting in damage to the vehicle, including its complete destruction;
• theft of a car, as well as its theft or theft;
• loss or damage to individual machine elements;
• illegal actions of unauthorized persons, which resulted in damage to the machine;
• natural disasters;
• an act of force majeure falling under the definition of force majeure;
• foreign objects falling onto the machine.

It should be noted that full CASCO guarantees compensation for damage from any illegal actions of third parties, including theft, theft and damage.

Most drivers do not see much difference between concepts such as kidnapping and theft. For them, the main thing is the fact of the disappearance of the car. But from a legal point of view, kidnapping and hijacking are completely different criminal offenses. Therefore, if the insurance covers protection against theft, then theft will not be considered as an insured event.

Partial CASCO insures the car against various types of damage. But it does not cover cases of car theft and theft. As a rule, partial CASCO covers the following risks:

• Road accident, collision, car falling into water or from a height, overturning or fire;
• ingress of foreign objects that flew off the wheels of the insured car or other cars, collapse of the road, bridge structures, etc.;
• fire, explosion, lightning strike;
• natural disaster and atmospheric phenomena that are considered uncharacteristic for a particular area;
• causing damage to the car;
• various objects falling on the car (trees, building elements, frozen snow);
• illegal actions of unauthorized persons (this does not include the theft of a machine or its individual elements);
• external damage to the machine resulting from the actions of domestic or wild animals.

The list of insured events is contained in the terms of the contract. The car owner should carefully study it before signing, since often the insurance company even includes a shortened list of risks even in the full CASCO insurance.

What the MTPL policy does not protect against

The presence of compulsory motor liability insurance does not mean that the insurance company will automatically cover damage in every case when its root cause was the actions of the guilty party. The list of cases that the policy does not protect against is as follows:

1. The owner of the car was not insured or his policy had already expired at the time the damage occurred.
2. The victim suffered only moral or material harm, which consists of lost profits.
3. The harm occurred during the use of the insured car for driving lessons, for participation in races or various types of tests. Payment of insurance is possible only if this risk is specified in the contract.
4. The victims suffered from the effects of the cargo that was transported in the insured car. Compensation for damage is possible only if this risk is specified in the contract.
5. The damage was caused by a person who performed his duties under an employment contract.
6. To compensate for losses of the employer whose employee was injured.
7. The damage was caused by the trailer, cargo, or equipment installed on the vehicle.
8. The damage was caused during loading or unloading work.
9. Intellectual property, jewelry, antiques, etc. were damaged.
10. If the amount of damage is greater than the insurance payment according to the terms of the contract. In such circumstances, the guilty person must cover the difference at his own expense.
11. If the insured person was intoxicated or the accident occurred as a result of the intentional actions of the guilty person.
12. The damage was caused by force majeure.
13. The accident caused environmental pollution.

Cost of insurance under compulsory motor liability insurance and comprehensive insurance

If we talk about compulsory motor liability insurance, then there is no single tariff on the territory of Russia. The cost of the policy is calculated in each specific case using a formula that includes the base rate and adjustment factors.

In general, the price of MTPL insurance depends on a number of factors:

• car categories;
• the power of its engine;
• availability of a trailer;
• personal characteristics of the driver, including his age, driving experience, place of registration, etc.;
• the number of accidents in the past, the total amount of payments received under compulsory motor liability insurance;
• the number of drivers who will drive the car;
• the period for which the policy is issued.

CASCO cost largely depends on the price of the insured car.

In addition, it is influenced by the volume of risks that are covered by insurance. On average, a policy costs from 7% to 20% from the price of the car. Due to the relatively high cost, some companies offer simplified options that provide protection only against certain risks. Also, in some cases, insurance can be paid in installments.

Criteria, vehicle parameters and other conditions

OSAGO policy price:

• Japanese class “C” car – 3000-5000 rubles.
• Domestic low-power car, manufactured in 2005 – 2500-6550 rubles.
• An average car in an inexpensive pricing policy, produced in 2010-2015. – 1500-8000 rubles.
• Expensive foreign car, produced in 2016 – 3000-9500 rubles.

CASCO policy cost:

• Toyota Corolla, 2014 – 30,000 – 100,000 rubles.
• Domestic low-power car, manufactured in 2005 – 25,000 – 150,000 rubles.
• The average car in an inexpensive pricing policy, model years 2010-2015 - 25,000 - 200,000 rubles.
• Expensive foreign car, produced in 2016 – 40,000, 55,000, 70,000 – 200,000, 350,000, 400,000 rubles.

Payments for an insured event under MTPL

Maximum Possible Compensation according to the MTPL policy is 400 thousand rubles, unlike the previous 160 thousand. A one-time compensation for this type cannot exceed this amount.

However, the number of compensations under compulsory motor liability insurance is not limited by the contract. At the same time, the limit wear of parts must be at least 50%, previously there was a parameter of 80%. Now, for parts that significantly affect safety, compensation is calculated without taking into account the wear rate.

Payments for an insured event under CASCO

Under the CASCO agreement, the amount of payments is limited to the maximum specified in the agreement. This means that if a document is drawn up, for example, to the detriment of 1 million rubles, and the cost of restoration after the first accident took 300 thousand rubles, then the remaining insured events, if they occur, can only be counted on from the remaining 700 thousand rubles.

Differences and terms of payments under CASCO and OSAGO

CASCO is a voluntary type of insurance that covers risks such as car theft, theft, intentional damage, causing other types of damage, etc. Also, a car owner has the right to insure his liability to other persons.

If the integrity of the machine has been compromised, then its owner has the right to receive compensation. Questions about the amount and procedure for payment of compensation are resolved in accordance with the terms of the agreement concluded between the parties. In some cases, such as theft, the insurance company is required to pay the full value of the stolen car.

While OSAGO insures the driver’s civil liability and upon the occurrence of an insured event, it provides for the payment of compensation not to the motorist, but to the victims. According to current legislation, one month is allotted for consideration of the application of the interested party and payment of compensation.

The eternal question: is compulsory motor liability insurance necessary, is there a comprehensive insurance policy?

First of all, it should be noted that MTPL and CASCO are far from being equivalent concepts. If the first type of insurance is intended for the driver, the second protects his vehicle.

In other words, compulsory motor liability insurance provides for compensation for damage caused by the injured insured person. While CASCO guarantees the car owner payment of compensation for damage that was received by his vehicle. This insurance covers significantly more risks, but the cost of the policy is not cheap.

Thus, drivers who have taken out a CASCO and OSAGO policy in a way they enjoy double insurance. Indeed, in fact, the only risk that is not covered by CASCO is damage to the health of other participants in the accident. Whereas in all other cases, drivers prefer voluntary insurance as more profitable.

But avoid purchasing a compulsory motor liability insurance policy It won’t work, because this type of insurance is considered mandatory for all car owners. Driving a car without this insurance is considered an administrative offense and entails a fine. Therefore, regardless of the wishes of motorists, they are forced to purchase compulsory motor insurance, even if they have CASCO insurance.

A person bought a car - this is very good. Perhaps, even at the car dealership, he will be offered to take out OSAGO insurance policies with additional CASCO for a four-wheel purchase. But what is the difference between CASCO and OSAGO and is it really necessary to insure a car?

CASCO is voluntary insurance against damage (theft, fire, damage caused by third parties, accidents and even falling icicles). If you are at fault in an accident, the insurance company will reimburse the cost of repairs or pay compensation for it.

OSAGO is compulsory motor third party liability insurance. And if you are the culprit of the accident, your insurance company will compensate for the damage to third parties.

The difference between CASCO and OSAGO is that the driver is required to have a motor third party liability insurance policy, and its absence is subject to penalties.

For your information: If a future car owner purchases a vehicle using borrowed funds from a credit institution, then most banks will require a CASCO policy, in addition to, of course, compulsory motor liability insurance.

What else differs CASCO from OSAGO?

The difference is in cost. Car insurance under the CASCO program is more expensive than under the OSAGO program and is set by each insurance company individually, and the cost of the OSAGO policy is determined by law.

How you can save on CASCO:

• Take out a policy with a deductible (a deductible amount of $500 will reduce the insurance premium by 1/3);

• Accident-free driving will allow you to get a good discount;

• Insure the car only against theft;

• Exclude unnecessary services from the contract (collection of documents, evacuation of a car from the scene of an accident, departure of an emergency commissioner, etc.)

Payment amounts

The maximum payment under compulsory motor liability insurance today is 400 thousand rubles. But there is also DSAGO - additional motor third-party liability insurance. If you wish, you can increase the maximum amount of payments to victims due to your fault.

For example, the cost of an MTPL policy in the capital of Russia for a passenger vehicle with an engine power of 100 to 120 hp. inclusive for a driver over 22 years old and with 3 years of driving experience will cost about 8,000 rubles, and with a limit of half a million, it will cost 9,000 rubles. The maximum payment limit, subject to a number of conditions, can be raised to a sky-high 15 million rubles. Compensation under CASCO is determined by the calculation of the insurance company appraiser.

A case from one's life: An almost new Niva was stolen from citizen P. The car was purchased for 346 thousand rubles, and was insured for the same amount. But the insurer counted 316 thousand rubles to be paid, and the difference was “eaten up” by depreciation. Having received his money almost 3 months later, the citizen went to court and was able to recover the underpayment of 30 thousand rubles from the company. Do not neglect to go to court if you do not agree with something. Often, the insurer immediately goes to settlement in order to avoid penalties imposed by the judge.

What is the difference between CASCO and OSAGO when taking out an insurance policy?

With compulsory insurance, the following types of policies can be issued:

• for a specific car and any driver who has the right to drive it;

• for any car, but one driver;

• for one car and a list of drivers authorized to drive it

• A CASCO policy is issued exclusively for a specific vehicle.

To sum up, the differences between compulsory motor third party liability insurance (MTPL) and CASCO insurance are as follows:

• the legislative framework;

• object of insurance;

• cost of the policy;

• the amount of insurance payments;

• methods of obtaining a policy

Finally, I would like to warn drivers who have understood the difference between CASCO and MTPL against a rash act. Some craftsmen, after the occurrence of an insured event, trying to save on CASCO, write mutual statements to several insurance companies at once. They naively believe that minor damage to cars will not attract the attention of an insurance inspector. But this is a misconception. Companies do not skimp on the salaries of such experts and most likely, payment will be refused, and your identity will be entered into a special register of suspicious persons.

“Insurance” - this term has become as familiar to drivers as the word car. For several more decades, drivers themselves bore full responsibility for everything that happens on the road, but gradually the situation changed. Today, most of the risks are covered by insurance companies, not vehicle owners, which is convenient and beneficial for both drivers and the insurance company themselves. Currently in Russia there are two types of car insurance: voluntary and compulsory. Any person who has ever sat behind the wheel knows what comprehensive insurance and compulsory insurance are. At the same time, it is important to understand that both types of insurance are complementary to each other, so there is no need to say that comprehensive insurance or compulsory motor insurance is better.

Differences between comprehensive insurance and MTPL: the driver is obliged or has the opportunity

The term MTPL, i.e. Compulsory auto liability insurance first appeared in the United States in 1925 in the state of Massachusetts. It was in this country that a condition was introduced according to which every car owner must have an insurance policy. Later, this rule was established in other states, and then in many countries around the world. The main differences between comprehensive insurance and compulsory insurance are that all regulatory documents, tariff rates, etc. in the compulsory insurance option are established by the state. Also, when insuring comprehensive insurance and compulsory motor insurance, the differences lie in the method of regulating the liability of the parties - the insurer and the insured. In the case of compulsory motor insurance, the insurer is the state, and in the case of comprehensive insurance, it is a specific commercial organization.

Differences between comprehensive insurance and compulsory motor insurance - the object of insurance

Also, the differences between comprehensive insurance and compulsory motor insurance lie in the object of insurance. Thus, for compulsory motor insurance, the object of insurance is motor third-party liability, i.e. This means compensation for damage resulting from an accident not to the insured himself, but to third parties who suffered from his carelessness on the road. Thus, the difference between comprehensive insurance and compulsory motor insurance is that with compulsory motor insurance, risks associated exclusively with the owner’s liability are covered, and with voluntary insurance, compensation is also provided for damage caused to the vehicle as a result of an accident.

What is the difference between comprehensive insurance and compulsory motor insurance when taking out a policy?

Also, the difference between comprehensive insurance and compulsory motor insurance lies in the options for issuing policies. With compulsory insurance, you can take out one of three types of policies:

• on a specific vehicle and any driver who has the right to drive it;
• for any car, but for a specific driver;
• for a specific car and a specific group of drivers authorized to drive it.

What is the difference between comprehensive insurance and compulsory motor insurance - what are we “attached” to?

If you take out a voluntary insurance policy, there are also a number of options. For example, a comprehensive insurance policy can be issued for one car and a specific driver, for several persons who have the right to drive a vehicle, etc. The differences between comprehensive insurance and compulsory motor insurance in this case are that voluntary insurance can be tied to only one vehicle means.

The difference between comprehensive insurance and compulsory motor insurance - pricing

The differences between comprehensive insurance and MTPL also lie in the pricing method. In addition to the fact that prices are set by unrelated “authorities,” the cost of the policy is formed based on various aspects. When insuring comprehensive insurance, the difference lies in the fact that in the first case you independently decide which options to include in the program. And the insurance company’s services include not only compensation for damage due to an accident or theft of a vehicle, but also various additional services, for example, roadside assistance, car towing, legal support in controversial situations, etc.

To summarize, we can say that this article provides only basic information regarding the difference between comprehensive insurance and compulsory motor insurance, and in particular:

• object of insurance;
• methods of issuing a policy;
• cost of services and pricing principles;
• organizations providing insurance services.

A comprehensive insurance policy may include car protection from one or multiple insurance events. Depending on the volume of risks, this insurance is divided into two types: partial and full comprehensive insurance.

Full comprehensive insurance

This insurance combines a combination of car insurance for the following risks: damage, theft and theft.

It is important to understand that with comprehensive insurance you only insure the car itself as supplied by the manufacturer. Full comprehensive insurance does not cover damage associated with harm to the life and health of the driver and passengers, as well as the contents of the car (transported property or additionally installed equipment), as well as the driver’s liability to third parties (insurance is provided for this).

The classic version of full comprehensive insurance covers the following types of risks:

• Any damage to the car in the event of a road traffic accident (accident) up to the complete loss of the car.
• Theft, theft or theft of a car.
• Causing damage to a car during an attempt to steal it.
• Damage, loss of individual parts, components, and assemblies of the vehicle.
• Various illegal actions of third parties leading to damage to the vehicle (acts of vandalism and intentional sabotage).
• Damage to a vehicle or its complete loss as a result of intentional arson by a third party or spontaneous combustion.
• Damage sustained by a vehicle due to various natural disasters.
• Actions of force majeure (force majeure).
• Accidental impact of stones or other objects on the car - icicles, hail, etc.

Theft and theft are different concepts

Many drivers mistakenly believe that theft and theft are, if not the same, then almost identical concepts. For the owner of the vehicle, the meaning is that “the car was there and disappeared,” then the insurance company will most likely look at the event from the point of view of the Criminal Code of the Russian Federation. According to its norms, theft and theft are different concepts:

1. Article 166: Theft is the unlawful taking of a car or other vehicle without the purpose of theft.

2. Article 158: Theft is the unlawful gratuitous seizure and (or) conversion of someone else’s property for the benefit of the perpetrator or other persons, committed for mercenary purposes, causing damage to the owner or other holder of this property.

In other words, theft is the unlawful taking of a car, as a result of which you lose the opportunity to use and dispose of the property at your own discretion, and the culprit gets the opportunity to use someone else’s property for personal gain.

Special cases of theft are theft (secret theft of property); robbery (open theft of someone else's property) and robbery (an attack for the purpose of stealing someone else's property, committed with the use of violence dangerous to life or health, or with the threat of such violence).

To avoid misunderstandings and major troubles, negotiate in advance with the insurance company a specific list of risks, which includes the full comprehensive insurance program.

Partial comprehensive insurance

This type of insurance involves insuring the car against damage - possible damage (up to complete loss) of the car and its parts. The difference between partial and full comprehensive insurance is that it does not include car insurance against theft and theft.

As a rule, insurance companies include damage to the car as a result of:

• collision, run-over, rollover, fall, fire due to a traffic accident (accident), falling into water and falling through ice;
• exposure to stones or other objects flying off the wheels of another vehicle, falling under ice or road surface, collapse of elements of roads, bridges, crossings, etc.;
• fire, lightning strike, explosion;
• natural disaster (earthquake, collapse, landslide, mudflow, sudden release of groundwater, storm, heavy snowfall, whirlwind, hurricane, typhoon, storm, tornado, volcanic eruption, flood, hail, flood, subsidence and subsidence of soil as a consequence of the above phenomena, atmospheric phenomena unusual for the area);
• falling of foreign objects onto the vehicle, including trees, snow and ice, floods;
• illegal actions of third parties, with the exception of theft of a vehicle, its parts or additional equipment;
• actions of animals.

It is worth considering that the exact list of insured events for incomplete comprehensive insurance must be agreed with your insurer. It is not uncommon for an insurance company to understand this type of insurance as covering a shortened list of risks (for example, all types of illegal actions of third parties and a few more items from the standard list) or, conversely, including damage caused to installed additional equipment.

By concluding an insurance agreement for any type of comprehensive insurance, you insure the car for a certain amount, which cannot exceed the market amount. Everything that is above is considered void under any insurance contract.

Sravni.ru advice: Obviously, the cost of insurance for full and partial comprehensive insurance will be very different. However, by choosing the right set of options you need, it is quite possible to find insurance at an affordable price. Just take the time to compare prices for the same policy from different insurance companies. This will help you.

The number of happy car owners is growing exponentially every year. And at the same time, road accidents, accidents, collisions and other serious accidents are increasing. Even if a careful driver avoids unpleasant situations on the road, his car can be stolen, unintentionally or intentionally damaged. And also a natural disaster (for example, storm, hail, flood) can instantly turn a presentable car into a pile of scrap metal. Therefore, auto insurance was created to compensate for damage to movable property, health or life of victims from insured events.

Many Russian insurance companies base their commercial activities on the main types of vehicle insurance: OSAGO and CASCO. Here are some of them:

• Ingosstrakh,
• Nasta,
• UralSib,
• ROSNO,
• Alpha insurance,
• other.

It should be said that both types of insurance are individual and play a certain important role. Unfortunately, not all car owners know what the difference is between MTPL and CASCO policies. The only thing they know for sure is that OSAGO is a mandatory policy for every driver (the traffic police will impose a fine for its absence), but CASCO is not. Some drivers naively believe that it is enough to have one of the policies, and then you become automatically insured against all possible road incidents and accidents. But is this really so and what is the main difference between CASCO and OSAGO? First, let's understand the general concepts.

What is OSAGO intended for?

Without a state-issued OSAGO policy, operating a car is prohibited by Russian traffic regulations. Today, the “autocitizen” has enough both supporters and opponents. OSAGO insurance is intended in case of damage to health, life or property of the injured party. Simply put, the car owner (who has a compulsory MTPL policy), who caused an accident, shifts all financial responsibility for the damage caused to the shoulders of the insurance company. After the mandatory procedural steps, the insurer compensates the losses to the victims.

But so far, practice shows that insurance realities are far from an impeccable theory. The main advantage of a compulsory MTPL policy is two points: its low cost and mass availability. The disadvantages are also significant. For example, the main disadvantage is that a limited amount of indemnified loss is compensated. For owners of foreign cars, it is so small that it will not cover even part of the repair work. The next caveat is that the insurance is only valid while the car is moving. If an accident with a car insured under the insurance policy occurs in a parking lot, you can forget about compensation for damage.

What is CASCO intended for?

The CASCO policy provides voluntary insurance of vehicles (cars, planes, carriages, ships) against theft, theft or damage. It should be remembered that the CASCO policy does not insure cargo (transported property), and also does not bear liability to injured third parties. By purchasing voluntary CASCO, the car owner protects his movable property, but does not shift responsibility for repayment of damage to the injured party in the event of a traffic accident.

As a rule, a CASCO policy is purchased with a compulsory motor liability insurance policy from the same insurance company. The cost of voluntary car insurance varies over a fairly wide range. And it depends on such nuances as: the make of the car, storage conditions at a later time, the age and experience of the driver, etc.

1. OSAGO (“automobile insurance”) is compulsory insurance, and CASCO is voluntary. For the absence of an MTPL policy, the law provides for a fine of 8 minimum wages. In addition, if as a result of an accident the person at fault does not have a mandatory insurance policy, the Motor Transport Insurance Bureau seeks compensation from the driver in court to cover the damage caused to the injured party.
2. Tariffs for compulsory MTPL motor insurance are approved by the Resolution of the Russian Federation. For CASCO, tariffs are not regulated by law, but depend on the general situation in the insurance market and the existing national pricing policy.
3. The amount of insurance payments under compulsory motor liability insurance is also clearly fixed. Under CASCO insurance compensation depends on the amount of the insurance contract, but cannot exceed the full cost of the insured vehicle.
4. Significant differences between CASCO and OSAGO lie in the process of paying insurance compensation itself. Payment under compulsory insurance is made only after a court decision. Some insurance companies provide compensation based on a detailed traffic police certificate, which contains comprehensive information about the accident. But this is only in the case when there are no victims and the culprit is clearly identified. As for CASCO insurance, insurance payment is made according to the decision of the insurance company. The only exception is when fraud is proven in court.

Summarizing the above, we can conclude that the main difference between the two policies lies in the pursuit of different interests: OSAGO performs an important social role, taking care of order and compensation for damage to injured innocent persons. CASCO stands guard over the personal interests of car owners, protecting and protecting their property rights.