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CASCO is optional auto insurance that covers damage to your own vehicle.
Covers:

• Traffic accidents

• Vandalism

• Natural disasters

• ​Theft of the vehicle or its components

Third-Party Liability vs. Comprehensive Insurance — what’s the difference?

• Third-Party Liability (mandatory) — covers damages caused to third parties as a result of an accident.

• CASCO (optional) — covers damage to your own vehicle.
  

  

  Note:

  CASCO perfectly complements mandatory RCA insurance, but it cannot replace it. RCA remains mandatory by law.

To issue CASCO auto insurance policies, the subject of the insurance (the vehicle’s make and model year) is determined, and the following risks are covered:

• Vehicle damage caused by: traffic accidents, collisions, impacts, rollovers, scratches, collisions with vehicles and/or moving or stationary objects outside the insured vehicle, the vehicle falling over, objects falling onto the insured vehicle, and the vehicle skidding

• Vehicle damage caused by: torrential rain, hail, flooding, storms, hurricanes, lightning, earthquakes, landslides, snow avalanches, damage caused by the weight of snow or ice, the mechanical action of flowing water or objects carried by water, or the insured vehicle being submerged in water while parked or stationary

• Vehicle damage caused by: fire, damage resulting from smoke, staining, charring, or various other forms of destruction resulting from fire

• Damage to vehicles caused by: an explosion or lightning strike occurring at a distance from the insured vehicle, provided that the explosion or lightning strike was the cause of the damage

• Theft of vehicles or their components, additional equipment, permanent structural modifications, or parts thereof, as well as damage caused as a result of theft or attempted theft, with the exception of vehicles registered abroad

• Unlawful acts by third parties

• Expenses related to limiting damage to the vehicle resulting from measures taken during the occurrence of the insured event to salvage the vehicle or mitigate the effects of the insured risk, up to the insured amount

• Expenses for transporting the vehicle, if it cannot be moved under its own power, from the location of the insured event to the nearest repair shop capable of performing the repair or to a parking location — within the limits of the transportation rates charged by specialized companies, but not more than 1% of the insured amount — and only up to the insured amount

• Fire or explosion resulting from the transport of hazardous or flammable substances only by vehicles specialized for this purpose, equipped and authorized in accordance with the law.

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