Additional risks insurance. Liability insurance

DPP - it is a voluntary insurance of Additional risks insurance. Liability insurancecivil liability of the owner of the vehicle. The policy of insurance of the risk makes it possible to increase the insurer's liability for insurance claims with your guilt, has synonyms: DAGO, DSAGO, DSGO, but the essence of insurance risk is not changed. You ask if they need this risk? I will say only one thing - this is the most important insurance of all possible! We all know that under the policy of compulsory motor TPL insurance amount is small, for example, in terms of compensation for harm caused to the property of a victim - not more than 120 000rubley. If you accidentally damage, such as the Audi A6, or, God forbid, the Audi A8 you'll realize that the money you just is not enough to recover repair of another vehicle. The premium for the DPP (DSAGO, DAGO) is not great, according to different insurance companies vary slightly and is approximately 600 rubles for the additional increase in the liability limit of 300 000rubley, and 1,200 rubles for the insured amount of insurance your liability to third parties to increase by 1000 000 rubles. Furthermore, this is not the sum insured to share in the payment of "hardware" and "health." The secret: Always choose the voluntary party liability insurance with undiminished, in connection with insurance payments, the sum insured.