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What You Should Know About Car Insurance



Is auto insurance mandatory?

The law requires every motorist to be insured under what is commonly called "civil liability".

This auto insurance guarantees the compensation of physical and material damages that could be caused to third parties by the driver of the car or its passengers in the event of an accident. An auto insurance policy may be limited to this simple warranty, or include other warranties.

What is liability insurance?

The "civil liability" insurance guarantees compensation for physical and bodily injury caused to others by the driver of the car or by his passengers in the event of an accident.
Designed to allow victims of traffic accidents to be always and properly compensated, third party liability insurance is mandatory for all motorists, and is therefore included in any auto insurance policy.

Third party auto insurance and all-risk auto insurance

Every driver must at least be insured for personal injury and damage caused to third parties by the insured vehicle (articles 211-1 and 211-5 of the Insurance Code).
This mandatory minimum insurance is called "third party" insurance.

All-risk insurance includes more extensive coverage, including damage to your car, regardless of who is responsible for it, even if it is the driver (except in general if driving in the event of drunkenness) , And even if the person responsible is not identified (in the event of vandalism, for example).
The "all risks" auto insurance therefore allows better compensation than a "third party" auto insurance.

What is an Information Statement?

It is a document that traces the past of a person as an insured. It contains the following information:
- the usual designated driver (s)
- the number, nature and share of responsibility for registered claims,
- the identity of the driver responsible and finally the coefficient of reduction-increase (or Bonus / Malus).

The insurer is obliged to issue a statement of information to an insured person when the contract of automobile insurance is terminated.

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