Car insurance in Lutsk

Insure your car in Lutsk

Anything can happen on the road, sometimes the driver may not be at fault in a collision. In active traffic, it is enough to be distracted for just a few seconds and you can get into an unpleasant situation. If the driver's fault is recognized, and as a result of the accident someone else's car or person suffers, then compensation will have to be paid.

Such situations are especially common in large cities, where many cars drive every day. Lutsk is the regional center of the Volyn region, where many vehicles are concentrated, which increases the risk of collisions and accidents during rush hour.

Is it profitable to buy a civil car?

First of all, it is worth noting that civil car insurance is a mandatory type of insurance. Ukrainian legislation stipulates that driving without a policy is prohibited. If a driver is stopped by a police officer, he will demand a mandatory list of documents, which includes a civil insurance policy.

However, a civil insurance policy is not only a state requirement, but also a profitable deal for the driver. If the insured is at fault in the accident, he will not have to pay compensation out of his own pocket, because the insurance company will compensate for the losses for him. To buy a civil insurance policy, you do not need to go to the insurance company's office at all, because you can order a civil insurance policy in Lutsk online at Parasol.ua.

Payment of compensation

An important point for payment of compensation is the fault of the insured. Under the MTPL, compensation is not received by the insured, but by a third party who was harmed.

Compensation can be directed to cover material damage, to treat the victim, or financial compensation can be allocated to relatives in the event of a person's death.

What affects the cost of the policy

Prices for a civil motor vehicle in Lutsk are almost the same for all insurance companies, since the cost consists of a basic annual payment and coefficients. The tariffs for the annual payment are set by the MTIBU, and the coefficients are determined individually depending on the type of vehicle, engine capacity (or other main characteristic), the term of the policy, and the purpose of operation. For a taxi, the cost of MTPL is higher.

To individually calculate the cost of a civil motor vehicle, you need to use the MTPL calculator function in Lutsk. Also on Parasol.ua there is a rating of insurance companies with reviews, thanks to which you can choose a good insurer.