Sõidukindlustus

Sõidukindlustus, also known as automobile insurance, is a type of insurance that provides financial protection against physical damage or bodily injury resulting from traffic collisions and other related events. It is typically required by law in many countries and is often mandatory for drivers to have a valid license.

There are several types of sõidukindlustus policies, including:

1. Third-party liability: This type of insurance covers damages to other people's property or injuries to others caused by the insured vehicle. It does not cover damages to the insured vehicle itself.

2. Comprehensive: This policy covers damages to the insured vehicle caused by events such as theft, vandalism, fire, or natural disasters.

3. Collision: This type of insurance covers damages to the insured vehicle resulting from collisions with other vehicles or objects.

4. Personal accident: This policy provides coverage for medical expenses and other costs related to injuries sustained by the driver or passengers in the event of an accident.

Sõidukindlustus policies can be purchased from insurance companies and are typically based on factors such as the age and make of the vehicle, the driver's age and driving history, and the level of coverage desired. Premiums can vary widely depending on these factors.

In some countries, sõidukindlustus is mandatory for all drivers, while in others, it is optional. However, even if it is not required by law, it is generally recommended that drivers obtain coverage to protect themselves financially in the event of an accident.