An Accident Happened - Don't Panic! What Drivers Say About OSAGO and CASCO

Марина Онегина Local news / Exclusive
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An accident has occurred - don't panic! What drivers say about OSAGO and CASCO




Nurlan Ataybekov, a resident of Bishkek, recently became involved in a traffic accident at the intersection of Mahatma Gandhi and Mozhaysky streets. His Samsung sedan was hit by a HOWO truck.

According to Ataybekov, the traffic police arrived promptly at the scene of the accident, after which his car was sent to the impound lot. Following this, the insurer conducted an inspection and assessed the damage, and less than a month later, Nurlan received compensation of 150,000 soms.

“I recommend all drivers not to neglect small expenses and to purchase an OSAGO policy. Even if accidents can be avoided, in the event of a traffic accident, this can be a significant support,” he added.

Marlen Nurbekov also faced a traffic accident problem, with damages amounting to 327,000 soms. His insurance company covered 150,000 soms of this amount.

“I had an accident about a month ago. After the necessary checks, I am being paid the funds. The reason for the incomplete coverage of damages is that the maximum payout under the OSAGO policy is limited to 150,000 soms,” he shared about his situation.

Another resident of the capital, Adilet Torobekov, encountered an accident at the end of February: a dog unexpectedly ran onto the road, and he could not avoid hitting it. He had a CASCO policy that insured his vehicle.

“I was driving on the road and suddenly hit a dog. Traffic police and accident commissioners arrived at the scene. The impact was on the bumper, and the damage was assessed at 80,000 soms. After 12 days, I received a payment certificate,” Torobekov shared.

It is worth noting that the Bishkek branch of the State Insurance Organization has already paid compensation to 31 drivers under OSAGO and CASCO policies totaling 2,906,000 soms.

OSAGO is mandatory insurance for civil liability of vehicle owners, while CASCO is voluntary insurance for the vehicle itself, which is not mandatory for citizens.
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