Rules
a) compensation for damage to property
Property damage, otherwise known as pecuniary damage arises when it comes to damage, loss or destruction of material possessions.
People who apply for compensation by using the compulsory insurance of civil liability case, the offender shall have the right to demand compensation for property damages they have suffered in connection with the event.
The most common damage to property, damage to or destruction of the vehicle, clothing or luggage.
Property damage is the cost of towing the damaged vehicle and parking, the cost of renting a replacement vehicle (where appropriate). It should also be remembered that the damage is the loss of the market value of the vehicle (car repaired after an accident has a lower value than before the accident).
Property damage is the damage to buildings and other things such as fences, damage to trees, shrubs, and killing or wounding animals.
Damage to the vehicle receiver sets as:
partial damage - when the vehicle is eligible for repair (as determined by the size of the damage and the amount of repair costs); damage can be disposed of in various ways, and the choice of method to the victim:
repair in the workshop indicated by the insurance company (the elimination of non-cash loss in the system),
Repair shop chosen by the victim and the subsequent settlement of the insurance company on presentation of invoices and bills,
an Estimate repair, determine what amount is needed to refurbish the vehicle, and the victim receives the compensation directly from an insurance company.
damage total - the total cost of repairs exceeds the value of the vehicle in front of damage, the total damage to the vehicle, the compensation should allow an injured person buying the same vehicle, which was destroyed, ie the same brand, the same year of manufacture, model, standard, Running, etc.
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b) voluntary accident insurance
Accident insurance policy insures the effects of accidents - not just car accidents, but also to any other emergencies that can result in permanent health impairment or loss of life of the insured.
Such policy may be concluded for a period of one year, or a shorter period.
Casualty Insurance can be made individually and collectively.
Accident insurance valid in the country. The insurer may also extend the validity of the policy to the world.
The insurance covers:
benefit for permanent disability (up to 100% of the sum insured)
death benefit (50% or 100% of the amount of insurance)
reimbursement of the costs of prostheses and aids
reimbursement of retraining disabled.
Depending on the contract of insurance may also cover:
reimbursement of medical expenses,
compensation for physical pain.
The amount of insurance payable depends heavily on the amount of insurance for which the insured is decided. The higher the amount of insurance, the higher will benefit paid by the insurance company.
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c) AC motor insurance
Autocasco belongs to a group of voluntary insurance. The conclusion of the policy is therefore dependent only on the owner of a vehicle registered in Poland.
Such policy shall be concluded for a period of one year, or where appropriate, a shorter period.
Insurance premium is paid as a single payment or in installments. The agreement will expire automatically at the end of the insurance period or upon failure to pay the next installment premiums.
The insurance covers damages caused to the vehicle and its equipment.
Compensation is paid in the following cases:
the damage to the vehicle was in connection with his or stop-motion due to the action of mechanical force when the insured himself is to blame for damage to the vehicle (such as a collision with another vehicle, person, other objects such as column, gateway);
damage arising from a collision with an animal;
damage caused by third parties;
damages in connection with the operation of the elements (flood, explosion, fire, rain, etc.);
theft of the vehicle or its parts.
The insurer is not responsible for the consequences of events, if the driver has driven without proper documents (registration certificate, driver's license), or under the influence of alcohol, and if the driver for unjustified reasons departed from the scene.
The premium depends on the value of the car. The value can be determined by an expert or to the catalog average market values of vehicles in a given period. If the insured is a new car, it is taken into account the value of the purchase invoice.
