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Dilshod from Tashkent got into an accident at an intersection, and his car worth 260 million soums could no longer safely continue driving. His CASCO policy included evacuation to a service station within the city.
Dilshod reported the incident to the insurer, and the company helped arrange a tow truck. The car was delivered to the agreed service station, and evacuation costs were reviewed within the policy terms.
Shakhnoza from Samarkand had an accident outside the city, and the car had to be taken to a repair shop. The tow truck cost 1.8 million soums, but her policy had an evacuation limit of 1 million soums.
The insurer covered evacuation only within the limit stated in the contract. Shakhnoza paid the remaining amount herself because the cost exceeded the policy terms.
Bekzod from Andijan bought the simplest policy without additional service options. After a breakdown on the road, he had to call a tow truck to a service station, and the service cost 750,000 soums.
Because evacuation was not included in the policy, the insurer could not cover the expense. After that, Bekzod understood that when choosing insurance, it is important to check not only the price but also the service options.
This is the obligation of a vehicle owner or driver to compensate for harm caused to other people, their property, health, or life while using a vehicle
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
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 your responsibility to other people if, because of your actions on the road, their car, property, health, or life is harmed. Put simply, it is a rule for situations where a driving mistake leads to someone else’s loss. The main idea is simple: this responsibility exists so that the injured party is not left without compensation, and the driver at fault does not have to handle everything alone out of pocket.
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 simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
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