gépjármbiztosítási

Gépjárműbiztosítás, often referred to as autóbiztosítás in everyday language, is a type of insurance designed to protect vehicle owners against financial losses that may arise from accidents, theft, or other damages to their vehicle or liability to others. In many countries, some form of motor insurance is legally mandated for all registered vehicles.

There are generally two main categories of gépjárműbiztosítás. The first is kötelező gépjármű-felelősségbiztosítás, or mandatory third-party liability insurance. This covers damages that the insured driver causes to other people or their property. It does not cover damage to the insured's own vehicle. The second category is önkéntes gépjárműbiztosítás, or voluntary motor insurance. This can include various types of coverage such as Casco or CASCO insurance, which covers damage to the insured vehicle itself, regardless of fault, and often includes theft protection. Other voluntary options might include assistance services or coverage for specific parts of the vehicle.

The cost of gépjárműbiztosítás is typically determined by a range of factors, including the vehicle's age, make, and model, the driver's age and driving history, the location of registration, and the type and extent of coverage chosen. Policyholders pay a premium, usually on an annual or monthly basis, in exchange for the insurance coverage. In the event of a covered incident, the policyholder may be required to pay a deductible, which is a fixed amount, before the insurance company covers the remaining costs.