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Car Insurance: The Point Permit

How the permit works In France, the point license was created with the law n ° 89-469 of 10 July 1989.  Each driver has an "initial capital" of 12 points.   The withdrawal of points attached to the driver's license is done automatically when certain offenses are established.  Depending on the seriousness of the offense or the contravention committed, the loss of points varies, but  never more than 6 points for an offense  .  -  1 point  is removed from the permit for overlap of a continuous line or an overrun of less than 20 km / h from the authorized speed  -   2 points  will be withdrawn if  the speed  exceeds 20 to 30 km / H Authorized use of a handheld phone,  Traffic or parking on a motorway central reservation, etc.  -   3 points  shall be withdrawn in the event of unjustified traffic on the left side of the carriageway, significant change of direction without ensuring tha...

Car Insurance: The Gray Card

Formalities for the sale of the vehicle When selling your vehicle, you must give the buyer of your car the following papers: 1. a certificate of administrative status (non-pledge and not opposed by a fine) valid for 1 month, 2. the gray and signed card marked "sold on .... (date of the transaction)", 3. the certificate of transfer duly completed and bearing the same signature as the gray card, 4. the strain of the certificate (the other part remains affixed to the windscreen), 5. if the car is more than 4 years old, the technical inspection certificate of less than 6 months and the report of the control center must be glued to the windscreen. You must also send to the Prefecture, within 15 days of the transaction, the certificate of transfer bearing the name and address of the purchaser. Warning ! If you sell your vehicle, you should proceed as if you were selling your car (except point 5.) Formalities for the sale of the vehicle in spare parts When selling your vehicle in sp...

Car Insurance: How to Apprehend a Disaster Situation?

Fulfill its conclusion It should be noted that an amicable settlement is an irrevocable document if it is signed by the parties concerned. It is therefore important to fill it carefully and especially not to sign it if you dispute its content. 6 rules must be respected: 1. First of all, fill in this report on the scene of the accident. 2. Please answer all questions. 3. Indicate the number of boxes filled by each driver concerned. 4. Do not modify your copy once the sheets are separated or be careful and make sure the other driver does the same. 5. Sign with the other driver at the scene of the accident. 6. In case of disagreement on one or more points, indicate it unambiguously before signing because otherwise it will be too late. Procedures in case of attempted theft If you have a specific "Flight" warranty, you should be covered under the "Flight Attempt". You must however prove that it is indeed an attempt (damaged locks, deteriorated anti-theft, ...). Make a de...

The paper control of the car

To have the right to drive with his vehicle, there are several rules: have a driver's license, have a car insurance, be registered and have passed the technical check. Without these four elements you can not drive. Why ? And what is important? If you are not in order, you risk a fine! Explanations. Administrative documents to be submitted There will certainly be at least once in your life as a motorist where you will be stopped by police or gendarmerie. Whether it is because you are in violation (speeding or not following the Highway Code), or for a simple check, you must always have the following administrative documents on you or in the glove compartment: Your Driver's License The vehicle's gray card The car insurance certificate (the green card) which is affixed to the windscreen For vehicles over 4 years old: the technical control badge Possible fines for failure to submit such documents If you do not present your papers immediately, or if they are outdated, not up to...

Car Insurance: Estimate Vehicle Value

Estimate the value of his car is fundamental, whether for his car insurance or for sale. In the event of an accident, your insurer will rely on the value of your car to compensate you. It is therefore a question of evaluating it correctly. Because good expertise will allow better compensation. What constitutes the value of the car The value of the vehicle thus depends on many elements:  Age: date of release. Obviously, the older a car is, the less value it has in terms of compensation from the insurance company. Except, of course, your car is collectible. Mileage: Depending on the number of kilometers displayed on the meter, it is possible to estimate whether the vehicle is used on average or more frequently. Repairs carried out: if repairs were too old, the value of the car decreases. Do not forget to prevent your car insurance if you change your vehicle. For more information, see our article, Vehicle Modification: Implications for CarInsurance. The history: first hand or not ... ...

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...