Obowiązkiem każdego właściciela pojazdu mechanicznego jest wykupienie ubezpieczenia. Towarzystwa proponują kilka polis chroniących samochód/motocykl, kierowcę i pasażerów. Najważniejszą z nich jest OC – podstawowe ubezpieczenie samochodu, które musi wykupić każdy właściciel auta. Co warto u nim wiedzieć? Sprawdź!

OC – najważniejsze ubezpieczenie samochodu

Polisa OC (odpowiedzialności cywilnej) jest zabezpieczeniem dla osób, które mogą zostać poszkodowane przez Ciebie w zdarzeniu drogowym (dzięki Twojej polisie druga strona otrzyma środki na pokrycie szkód, a Ty nie będziesz musiał płacić z własnej kieszeni). Ubezpieczenie samochodu przypisane jest do konkretnego pojazdu, nie kierowcy. Co ważne, musi być nim objęty każdy zarejestrowany pojazd mechaniczny, nawet nieużywany samochód od lat stojący w garażu.

Umowa z ubezpieczycielem zawierana jest standardowo na rok. Wysokość składki nie jest stała i uzależniona jest od wielu czynników, takich jak model i marka pojazdu, rok jego produkcji, przebieg i moc silnika oraz wiek, doświadczenie, miejsce zamieszkania, a nawet stan cywilny kierowcy.

Jazda bez OC

Chcesz zaoszczędzić kilkaset złotych i zrezygnować z kupna ubezpieczenia? Lepiej zastanów się dwa razy! Kierowcy, którzy nie wywiążą się ze swojego obowiązku, muszą liczyć się z poważnymi konsekwencjami, przede wszystkim finansowymi. Na właścicieli nieubezpieczonych pojazdów UFG nakłada dotkliwe kary finansowe. Ich wysokość uzależniona jest od kilku czynników, przede wszystkim płacy minimalnej w danym roku, liczby dni bez ochrony oraz typu pojazdu. W tym roku minimalna kara dla nieubezpieczonych właścicieli „osobówek” wynosi 1200 zł, a maksymalna aż 6020 zł.

 

 

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