The conclusion
of your auto insurance policy can be
done in several steps
Declaration: you give your insurer the personal information
concerning you to establish a "quote".
Information: the insurer gives you all the elements that make
your future contract.
Verification: of the contents of the contract between you and your
insurer.
Signature: the contract of insurance auto and insurance
certificate.
The basis of the future contract auto insurance: the insurance proposal
- Insurance is a kind of quote: it commits neither
the insured nor the insurer.
- It is a questionnaire that you must meet to qualify
for insurance. The insurer will thus measure the risk you represent.
- The 3 possibilities of the insurer:
Agrees to ensure
without exclusions ('standard' - the most common situation contract).
·
He refuses to
assure you: it is legal. The obligation of insurance concerning the insured.
·
Agrees to ensure
but subject to certain limitations or exclusions: refusal to grant you certain
guarantees or to cover certain risks.
- Once the auto insurance contract subscribed, this
insurance proposal becomes contractual: your personal information form the
basis of a reciprocal commitment between you and your insurer. In the event
of misrepresentation, your insurer may refuse to compensate you if you are
the victim of an accident or injury (articles L113-8 and L113-9 of the French
insurance code).
No contract without information specified in
advance
- The insurer must give you a plate of information
indicating the price and guarantees of the auto insurance policy.
- It must also deliver a draft contract (with annexes):
it provides a precise description of the guarantees and the obligations of the
insured.
Before signing the contract car insurance
Some points are to be checked
together:
- The content of the auto insurance contract:
·
General conditions
(so called because common to all insurers to the same branch - in this case,
auto);
·
special conditions
(which concern only you).
- Your
level of coverage:
·
the amount of
deductibles;
·
the amount of
capital insured;
·
exclusions of your
contract;
·
The date of effect
of the guarantees.
- What are the insured persons?
- Activities or events guaranteed by your auto insurance
policy.
Signature: you leave with proof
At the conclusion of the
contract, the insurer will give back you:
- Your auto insurance policy (or it makes you able to
e-mail).
- A provisional
certificate that proves that you have insurance. Attention however: in some cases,
as for auto insurance, this certificate is only a presumption of insurance.
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