Car insurance accident

By obtaining his car accident insurance, we must choose its level of warranty and pay attention to the exclusions.

In order to be well covered in the event of accident, it is important to carefully choose the guarantees offered by her insurance car accident. However, these guarantees may be subject to exclusions to which attention must be paid, and regardless of the types of accident, approaches are required.

Accident car insurance: guarantees

It is possible to subscribe to various safeguards to be covered with car accident. It is therefore important to know what each covered accident.

;  GUARANTEES S	COVER TYPES TYPE
CIVIL LIABILITY	Only damage caused to third parties are supported when the insured vehicle is responsible for the accident.
INJURY	The injury suffered by the insured driver are covered or without identified officer responsible for accidents.
DAMAGE ALL ACCIDENTS	The damage suffered by the insured vehicle are supported by insurance as defined in the contract or without identified officer responsible for accidents.
DAMAGE COLLISIONS	The damage suffered by the insured vehicle are supported with a third party responsible for accidents such as:            other vehicle;            pedestrian;            the animal whose owner is identified.
GLASS BREAKAGE	An accident insurance supports damage to ice conditions defined in the agreement such as:            windshield;            side windows;            opening roof;          lights;          rear-view mirrors.

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Accident car insurance: exclusions

Regardless of the chosen car accident insurance, the contract may provide exclusions. In this case, the insurance does not take damage sustained or caused.

As regards civil liability, the exclusions that may provide a contract are defined by articles R211-10 and R211-11 of the Code of insurance.

Thus, insurance may refuse support of damage where:

·         the driver is not the licensee or certificates necessary for driving the vehicle in question;

·         the driver is not the age required to drive the vehicle concerned;

·         transport security requirements have not been complied with;

·         hazardous materials are transported without insurance and appropriate; permissions

·         the accident took place during "events, races, competitions or their trials submitted by the legislation in force to prior authorization from the public authorities.

For other guarantees, the Act clarifies nothing. However, the same exclusions are often included, and insurance plan commonly, in addition, exclusions of guarantees in the case of driving while intoxicated or under the influence of narcotics.

Accident car insurance: steps

For a car accident insurance supports committed damages suffered in an accident, the insured must take certain steps.

In most cases, it is preferable to make a report.

Then, in all cases, the insured must make a claim to the insurer can take place the compensation.