5 things to know about auto insurance |
Posted: April 20, 2019 |
The figures of the Insurers gave million cars insured in 2018. However, many cars still circulate without insurance, the police declare to note about 100,000 defects of insurance per year. If you have not insured your car or if you plan to do so, here are 5 things to know about auto insurance. What are the guarantees of car insurance? Anyone with a vehicle is required to take out car insurance to cover at least his civil liability. This means that even a car that is not used and permanently parked in the street must be insured because it can still cause damage to a third party (bad parking, fire of the vehicle ...). There are three different types of auto insurance that can be adapted to each insured profile:
A deductible is applied for each responsible loss and represents the expenses remaining the responsibility of the driver. It can be fixed in advance by the insurer, expressed as a percentage of the cost (and therefore variable) or relative cost and in this case, the insurer will not refund you below the amount determined. Who is affected by this insurance? Since the law of 1958, any person possessing a vehicle is obliged to assure it , a defect of insurance is sanctioned by 3750 euros of fine. It must also be known that even an unused car must be insured at least, that is to say in civil liability. Each insured has the option to choose between a formula to third, third + or all risks depending on his profile, his budget and the type of vehicle to insure. What are the benefits of auto insurance?
What are its limits?
What is the cost of auto insurance? To choose your car insurance, several criteria must be taken into account. It is first necessary to evaluate the age of the vehicle, because an All Risks formula will have little interest for an old car. The risk assessment you are exposed to is also an essential criterion as it allows you to determine the necessary guarantees according to your needs. Indeed, a person driving every day will inevitably have more chances to have an accident than a person driving only occasionally. Finally, we must be particularly attentive to franchises which will determine your compensation and your rest in the event of disaster.
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