In 2023, OSAGO tariffs have become more differentiated, and the reform of the “car citizen” is focused on ensuring that its cost is adequate for car owners. It will not be possible to overpay for compulsory insurance provided that all the parameters that directly affect pricing are analyzed. Consider the question of how to save money on … Read more
Casco insurance is a voluntary type of insurance for vehicle owners. It is not necessary to issue it when buying a car, but the presence of such auto insurance significantly increases the possibilities of the owner. Even if the accident is the fault of the insured, the insurer will still pay him compensation within the established sum … Read more
The issue of compensation for material damage in the event of unforeseen situations is simply ignored by most Russians. “This won’t happen to me,” every second takes a similar position. Dismissal from work, injury at work, car damage in an accident, household gas explosion in an apartment building – this is just a small list of circumstances … Read more
OSAGO insurance protects the financial interests of vehicle owners in the event of an accident. But sometimes the insurer has the right to demand reimbursement of the paid sum insured. Such a right is a regressive right of the insurer, or a recourse in OSAGO insurance. The reason is that the person responsible for the accident not only … Read more
As part of the mandatory pension insurance program, a contribution (22% of the salary) is withheld from each employed citizen. But today there are alternative options to save up for your old age – without the participation of the state. Some save money during their working life, others participate in investment projects, and still others entrust financial … Read more
Today, in large and small cities, more and more people prefer to ride electric scooters, gyro scooters, unicycles, which are united in the traffic rules under the category of “individual mobility aids” (IM). This format of movement is convenient and affordable. It is enough to download the application to your phone, attach a bank card – and … Read more
In the event of a road accident, the owner of the “autocitizen” policy will have the vehicle restored at a service station accredited by the insurance company, or they will be compensated for the cost of repairs in cash. The legal grounds for choosing in favor of the second option are provided for in the OSAGO … Read more
The presence of a compulsory medical insurance policy is a prerequisite for the provision of qualified and free assistance to citizens in polyclinics. To make an appointment with a doctor, the registry previously required a paper document. Global digitalization has made it possible to simplify access to medical services. From December 1, 2022, citizens can apply for an … Read more
Key takeaways Like a good financial plan, insurance takes into account your goals and current financial situation and should evolve as your life changes. In addition to income replacement, life insurance, in particular, can help diversify your portfolio, protect late-in-life risks and even has the potential to provide tax benefits. Options for paying your life … Read more
Life insurance not only provides peace of mind to you and your loved ones but can be an essential part of a sound financial plan. As you grow and move through life, you could appreciate the many benefits. Financial planning is the process of meeting your life goals through the proper management of your … Read more