Accéder au contenu principal

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.

Commentaires

Enregistrer un commentaire

Posts les plus consultés de ce blog

Clé de série pour: Kaspersky Internet Security 2017

Clé de série pour: Kaspersky Internet Security 2017 1. Tout d'abord, vous devez réinitialiser la version d'essai afin qu'elle ne soit pas expirée: Utilisez cette série: FQZ3R-RHXP3-EQ62A SZDG9 2. Ensuite, utilisez le code d'activation: ( Free Serials KASPERSKY INTERNET 2017) 1- TZD5E-791PU-WS14E-FWSUA 2- 1HDAT-NKT4D-5W25V-H7FNA 3- 5AP54-G2CG5-24J2P-PAY29 4- 1D923-5UB6W-ARQ6W-BUTHP 5- Q4J58-WQ57J-491UZ-EBZYA 6- 8H79V-4CK65-J3MXE-38MU9 7- 8H9KC-D6PMC-Y2JYH-JXJA4 8- 8HA1S-78CRF-B551M-AV9NC 9- 8HQ4W-13A6N-5VYKY-1K3TT 10- 8HRCP-HADZ1-87AVN-B9T2H 11- 8HRWT-4Q1PM-SV1JE-2D7DM 12- 8HSBP-GN4Z6-U1SEF-HQA65 13- 8H7HF-1AQGU-JYKEB-V68J3 14- 8H7SM-3BTDX-YZQM9-R5JE9 15- 8H7TD-QDF1Q-AUY16-HAWNS 16- 8H84Y-W1VAG-6GM1R-UW8P3
4 commentaires
Lire la suite

Car Insurance: What is the Malus Bonus?

The principles of the Bonus Malus The bonus-malus (or "reduction-increase clause") has been compulsory since 1976 with the aim of encouraging prudence. The effect of the premium / car insurance contribution is to adapt the behavior of the driver Vehicle insured. This variation results from the application of a higher or lower level coefficient on the "civil liability" and "damage" parts of the contribution depending on whether or not the driver (s) were responsible for accidents during The annual period or periods elapsed. The operation of the Bonus Malus The Bonus Malus or reduction / increase coefficient (CRM) applies to all passenger cars, light trucks and motorcycles over 80 cm3. All motorists therefore have a Bonus or Malus. The premium / auto insurance premium payable at each annual maturity is influenced by the decline or increase in this indicator that reflects your "good behavior". When you do not have an accident, you get a bonus and yo...
3 commentaires
Lire la suite

How to read a car insurance policy?

Form of car insurance contract The car insurance contract must be in writing, in French and in apparent characters. Similarly, the clauses of the policies enacting nullities, disqualifications or exclusions of risks are valid only if they are mentioned in very apparent characters (Code of Insurance, articles L. 112-3 and L. 112-4). If these clauses are incomprehensible or written illegibly, they can be declared unenforceable and the insurer can not rely on them. Documents to be provided by the car insurer Prior to the conclusion of the car insurance contract, the insurer must provide the customer with an information sheet on the price and the guarantees of the contract and a copy of the draft contract and its annexes (or an information The contract specifying in particular the risks guaranteed and excluded and the obligations of the insured). The documents must also specify the applicable law (if it is not French law) and the procedures and procedures for complaints that the person c...
Enregistrer un commentaire
Lire la suite