Asigurarea de raspundere civila auto (KFZ-Haftpflichtversicherung)

 

Ca si in Romania, si in Germania exista obligativitatea incheierii unei Asigurari de Raspundere Civila Auto (RCA) pentru orice vehicul motorizat aflat in circulatie. Aceasta polita este indispensabila pentru ca in cazul unui accident, victima sa poata fi despagubita. Astfel, sunt acoperite daunele produse altora in timpul folosirii vehicului dumneavoastra: pierderi de venituri, daune morale, afectiuni permanente de sanatate, costuri cu tractare sau reparatie, etc.

Tariful primelor de asigurare de raspundere civila autor depinde de multi factori ca: perioada parcursa fara accidente, tipul vehicului, reduceri care pot fi obtinute ca utilizator nefrecvent sau functionar public, etc.

Cine vrea sa se protejeze mai mult, poate incheia o asigurare Casco parţial  (Teilkasko) sau Casco integral (Vollkasko)

Asigurarea casco parţial acoperă daunele la vehiculul tau produse prin furt, incendiu, furtună, coliziune cu animale salbatice, spargeri de sticlă, in timp ce asigurarea de tip casco integral acoperă şi daunele din culpă proprie.

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