Insurance without limits: the ideal solution for car owners

Many drivers are interested in the question of what unlimited insurance is. This is such a kind of policy, in which you can control the machine not only to its rightful owner, but also to third parties. Insurance without restrictions gives a unique opportunity - an unlimited number of people can be behind the wheel of one vehicle. Simply put, if there is one car in the family that several people use at once, in case of an emergency it can always be expected to compensate for damage, even if at the time of the accident there was not the actual owner of the car behind the wheel. All this makes this option of insurance very popular among different organizations, where the staff of drivers is large, and there are not so many cars.

Such a policy clearly defines the responsibility - the degree of fault of the participant in the accident. On the amount of payments due to the insured event this has no effect, of course, if all the documentation is framed correctly. The most important thing is to check that the traffic police officer correctly fills in the protocol: everything in it must correspond to what the participants of the accident told her and her witnesses.

Rumors about insurance without restrictions

It is often possible to hear conflicting opinions about this policy. Some argue that the insured person will incur multiple losses if the driver gets into an accident through his own fault. It is not so - absolutely all expenses are able to cover insurance payments. The question of how much insurance costs without limits is very popular. Typically, the cost is higher by one and a half, and even two times, if you compare with the prices for a regular policy. Here everything depends on the specific company. In general, this option is very convenient in the first place because the driver does not have to worry about who car is insured and who can drive. So overpayment is completely justified.

Facts about limited insurance

A limited policy can protect only one person. Only the owner of the car is entitled to operate the vehicle. If the car has several owners, a limited insurance is issued for each of them. Needless to say that insurance without restrictions is much more profitable in this situation?

Advantages of unlimited insurance

When buying a policy, favorable conditions are obvious:

• A car can be driven by any person (no penalties are available);
• When completing documents, the risk is minimal;
• Insurance of OSAGO without restrictions assumes that in the event of an accident the owner of the car will not have to pay anything at all;
• If you need to fit into the policy of an inexperienced driver (experience less than 36 months, age less than 22 years) unlimited insurance option - the most optimal.

If the employee exceeds the authority

Infrequently, but still there are situations when the traffic police want to deceive drivers who have insurance without restrictions. For this, they refer to the fact that there are no specific names in the policy that have the right to control the machine. Of course, this is wrong, but you do not need to enter into disputes with representatives of law enforcement agencies, and nothing should be done either. Drivers are not inscribed in any documents, since their number is not limited to any norms. The actions of dishonest representatives of the State Traffic Safety Inspectorate can always be challenged in court (or refer to their direct management).

Simplicity of registration

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

Nevertheless, when registering any insurance, you need not lose your vigilance. It is best to work with those companies that have a positive reputation, recommendations from relatives and friends. Thanks to this, you can avoid fraud, deception and other problems, which in the auto insurance area abound.

If necessary, even limited insurance can be made unlimited - for this the owner of the machine must write an application to the company where the policy was drawn up. In this statement indicate what changes you want to see in insurance - as a rule, the client is simply provided with pre-printed forms, where the necessary item should be emphasized (all possible options should be carefully studied). The application can be written even by the insured person of the insured - the insurance without restrictions in the presence of certified documents will be formalized.