Car insurance - Auto insurance in Chernihiv

Mandatory insurance of compulsory motor third-party liability insurance

In Chernihiv, as in most cities of Ukraine, there are traffic jams and complicated traffic during rush hour. All this increases the possibility of collisions or accidents, and in such cases, a civil insurance policy can be very useful.

You can order compulsory motor third-party liability insurance in Chernihiv online directly at Parasol.ua. The process will not take much time, you only need to spend a few minutes.

Why do you need compulsory motor third-party liability insurance

The first reason to buy compulsory motor third-party liability insurance is that every car owner must have a civil insurance policy, as this is required by law. If you are stopped by a police officer, he may ask you to show your policy. If there is no insurance, you will be forced to pay a fine.

However, it is important to understand that a motor vehicle civil liability insurance is not only a state requirement, but also a profitable deal for the driver. The motor vehicle civil liability insurance is issued for a car, but it insures the driver's civil liability. Thus, in the event of an accident or traffic accident due to the fault of the insured, the insurer will compensate the victim for the losses.

What expenses does the motor vehicle civil liability insurance cover?

The motor vehicle civil liability insurance does not cover all possible expenses that may arise after an accident. An important condition for paying compensation is the fault of the insured. If you are not at fault for the accident, then the compensation will be reimbursed to you by the insurer of the person at fault.

The insurance company for civil liability insurance covers the costs associated with:

• Repair of the victim's car;
• Compensation to the victim for health damage;
• Compensation to relatives in the event of death.

Cost of the policy

Prices for civil liability insurance in Chernihiv are determined by the basic annual payment, the tariffs for which are set by the state, and a coefficient that depends on many factors.

The following points have the greatest impact on the price:

• Type of vehicle and main technical indicators (for a passenger car - engine capacity);
• Experience of drivers who have access to transport;
• Purpose of use (for taxi drivers the price is higher);
• Validity period (from 15 days to 1 year).

To calculate the cost of OSCPV online specifically for you, you need to enter the necessary data on the website. After that, the OSCPV calculator in Chernihiv will show you the cost. Also on Parasol.ua there is a rating of insurance companies, among which you can choose the one where you can buy a car insurance policy inexpensively.