What types of damage can be insured?

Almost every man has a property that he would not like to lose. Moreover, the most valuable for people is their own life. And so many people want to preserve their property and health. To do this, of course, taken a variety of measures, including insurance. Now insurance companies offer a variety of services that aim to damages.

From what to insure?

Having a car, real estate, antiques and other goods is always associated with the risk of damage or total loss. Not to worry about "honestly acquired," it is necessary to take care of his safety, and the possibility of compensation, with the property if something happens. As a general rule, life insurance also applies to household property, and public and private (industrial buildings, vehicles, equipment, etc.). Thus, it is possible for private individuals and legal entities to insure everything that belongs to them. To do this, however, always prepared detailed inventory of all the items that are subject to insurance.

Individuals may qualify for compensation of material and moral damages, if there is such a kind of insurance policy. All of these types of insurance reimburse the damage caused by the vehicle in case of theft, accident damage. Voluntary insurance of civil liability involves damages as a result of inadvertent application of the insured person's loss to others (their health, property). By an occurrence include:

1. Violation of the integrity of the property in the case of "filled" (burst pipes, roof leaked, broken washing machine, because of what the neighbors below, there came water, etc.).
2. Fire in the apartment, because of which affected not only the living space of the insured person, but other tenants.
3. The natural disaster, which caused the damage. This item is, alas, not present in all of the policy.
4. Unintentional physical harm to a third party as a result of force major.

Injurious to health. Who will pay?

Now almost all insurance companies offer health insurance policies. Especially under Russian law, all citizens of the Russian Federation should have this type of documents. But experience has shown that not all spending on treatment policy covers in the event of deterioration of health. Therefore, citizens are forced to find other ways of compensation for injury. Currently, the most effective way to "create a safety cushion" when unforeseen situations as a result of which harmed the physical condition - is to insure themselves against accidents. This insurance policy covers all damage cases involving personal injury, ill health due to exposure to environmental factors. All the nuances, as expected, are written in the policy.


For damages if there was an insurance case, it is necessary to:

1. Immediately call a company claiming compensation.
2. Provide the necessary documents confirming the right to benefits.

Usually, the agency shall pay the money no more lost amounts and for a certain time, which is reflected in the policy. 

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