Damage to property that is not treated as a total loss under the policy. Compensation is calculated for the damaged part, subject to the contract.
After a collision, a car has a damaged wing and bumper. Its owner wants to know whether the insurer will pay for repairs or treat the car as a total loss. This is where partial loss comes in: the property is damaged, but the claim does not meet the policy's criteria for a total loss.
Put simply:
With KASKO, voluntary insurance for the car itself, damage is assessed against the risks selected in the policy. If the event is covered, the cost of restoring the car forms the basis of the calculation. EUROASIA Insurance's KASKO terms provide for a repair estimate when a car is damaged; the insurer may also arrange and pay for repairs.
A partial loss can happen without a collision: hail might leave dents in the bodywork. First, check whether your policy includes that risk. The guide to claiming under KASKO without a road accident explains how to notify the insurer.
Being physically repairable is not enough. A policy may set conditions under which repairs are considered too costly compared with the value of the car. In that case, total-loss settlement rules apply, even if individual parts can still be repaired. Compare the damage assessment with your own contract's criteria, rather than a universal percentage found online.
An unconditional deductible is the part of covered damage the customer pays under the contract. If the policy includes one, it is deducted when compensation is calculated. Policy limits and insuring a car for less than its full value also affect the calculation.
A partial loss may therefore be compensated for the full covered repair cost or subject to contractual deductions. The name of the loss does not determine the payout.
An owner notices a small dent and goes straight to a repair shop. Yet its size does not show whether the event is covered or what evidence is needed. Before repairs, agree on the next steps with the insurer and keep photographs of the damage.
Another mistake is treating every repair as an insured event. For example, natural wear of parts is excluded under EUROASIA Insurance's KASKO terms. When comparing a damage assessment with a workshop bill, check which work relates to the covered event. Compensation depends on the contract conditions.
The situations below are fictional teaching examples; the amounts and conditions are used only to explain the concept.
Nodira from Tashkent damages her car wing in a collision. In this teaching example, the policy covers the event, the agreed repair cost is 3 000 000 UZS and no deductions apply.
The insurer pays 3 000 000 UZS for repairs. It is a partial loss because the car is restored; this does not mean that only part of the repair cost is paid.
After a covered event, repairs to Aziz’s car in Samarkand are assessed at 5 000 000 UZS. His hypothetical contract has an unconditional deductible of 1 000 000 UZS, with no other deductions.
Compensation is 4 000 000 UZS, and Aziz pays the remaining 1 000 000 UZS. The reduction is due to the deductible, not the description “partial loss”.
Bekzod from Andijan needs to replace worn suspension parts for 2 000 000 UZS. Natural wear is excluded under this teaching example’s contract.
The insurer does not pay these 2 000 000 UZS. Being able to repair the car does not, by itself, make the expense an insured event.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor Third-Party Liability is an obligation to compensate for harm caused to other people or their property through the use of a vehicle. Who is responsible for the harm is determined by law and the circumstances of the incident.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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