In our previous article, we examined 5 key reasons why you should get CASCO for your vehicle. Today, we'll focus in detail on the first and most important reason – the comprehensive protection that this type of insurance provides.
Many car owners in Uzbekistan limit themselves to compulsory third-party liability insurance (CTPL). However, it's important to understand that CTPL only protects your liability toward other road users. If you cause an accident, your insurance company will compensate the injured party. But who will pay for your vehicle's repairs? In this case, CTPL won't help.
This is where comprehensive auto insurance CASCO comes to the rescue. This policy is designed to protect your vehicle from a wide range of risks.
A CASCO policy is your financial safety net for various mishaps. A standard vehicle insurance contract under the CASCO program typically covers the following risks:
CASCO will cover your vehicle's repair costs regardless of who's at fault – you, another driver, or even if the at-fault party fled the scene.
Theft or attempted theft, parts theft (wheels, mirrors, headlights), vandalism (scratches, broken glass), arson.
Hail, hurricanes, floods, earthquakes, falling trees – CASCO protects your vehicle from nature's whims.
Falling objects (icicles, construction materials), fire, non-criminal explosions, damage during towing.
To better understand the difference, let's compare CASCO and CTPL coverage:
| Insurance Case | Liability Insurance | Comprehensive (CASCO) |
|---|---|---|
| Damage to your car in an at-fault accident | Not covered | Covered |
| Damage to your car when other party is at fault | Covered (through at-fault party's insurance) | Covered |
| Damage to your car, at-fault party fled | Not covered | Covered |
| Vehicle theft | Not covered | Covered |
| Natural disaster damage | Not covered | Covered |
| Vandalism damage | Not covered | Covered |
As you can see, what CASCO covers is significantly broader than CTPL coverage. This provides truly comprehensive protection for your property.
Imagine: you parked your car at a shopping center, and when you returned, you found a scratch on the door. No culprit in sight. With a CTPL policy, you'd have to repair the door at your own expense. With a CASCO policy – the insurance company pays for the repair.
Comprehensive protection against most possible risks is CASCO's key advantage. This policy gives you confidence that unexpected situations won't deal a serious blow to your budget.
In our next articles, we'll discuss other important reasons to get CASCO: fast payouts and additional services.
Learn more about CASCO programs from EUROASIA INSURANCE and choose optimal protection for your vehicle!
Compulsory Motor Third Party Liability Insurance, known as OSAGO (also referred to as OSGOVTS in Uzbekistan), is an essential part of every car owner’s life. However, there are numerous myths and misconceptions surrounding this type of insurance, which distort public perception and can lead to serious consequences. This is especially relevant for new drivers who are planning to buy a car or have recently started driving
We're concluding our series of articles about the benefits of CASCO in Uzbekistan. We've already discussed comprehensive protection, quick payouts, additional services, and the special importance of the policy for beginners and luxury car owners. Today we'll tell you about the fifth reason to choose CASCO – the amazing simplicity and convenience of arranging it online.
In previous articles of our series, we examined comprehensive protection, quick payouts, and additional services that CASCO offers. Today we'll discuss why for certain categories of car owners – novice drivers and owners of expensive cars – a CASCO policy becomes not just desirable, but practically necessary.
In the first article of our series, we outlined 5 key reasons to get CASCO coverage, and in the second, we explored in detail the comprehensive protection this policy provides. Today, we'll discuss an equally important advantage – the speed and reliability of insurance payouts.
