Insurance Civil liability

Civil liability, defined by law in articles 1382 and seq. of the civil code, established the obligation to repair the damage inadvertently caused to another. Civil liability can ensure and it then the insurer to compensate the victim.

What are the damage covered by liability?

Situations where the liability of a person may be held liable are listed in articles 1382 and seq. of the Civil Code.

It is:

• damage caused by a person to another person by his fault, imprudence or negligence;
• acts committed by minors of this person;
• the acts committed by the employees of House of this person (woman's household, custody of child...);
• damage caused by objects that the person holds;
• damage caused by animals of this person or those she keeps;
• damage due to aging or the lack of maintenance of the apartment or the House of the person.

What does liability insurance cover?

Liability insurance allows to not compensate yourself the victim. The insurer so overrides the responsible and compensate the third party.

This warranty can be purchased individually or home insurance. It can also be contracted for certain activities only in the context of school insurance, ski insurance or a membership in a sports club.

Civil liability covers the Subscriber and persons residing permanently in the home of it. Some contracts also cover unmarried children who do not live under the roof of the insured, if they do studies for example.

Civil liability thus covers the financial consequences resulting from damage caused to others by his own act and by the fact of people, animals and movable and immovable property which it is responsible.

What are the limits of civil liability?

Liability covers cases where a person cause unintentional damage to others.

Thus, is not covered:

• voluntarily damage to others;
• the damage that a person causes to itself or its close living usually with her;
• damage caused in a professional activity;
• damage caused by vehicles (insurance required specific);
• the damage caused by dangerous dogs (excluded from certain contracts).

The elements to be considered when:

• check that all persons of the fireplace are well covered.
• check sports, hobbies or volunteer activities are covered (the appropriate subscribe extension);
• pay attention to the existence of a possible franchise requiring the Subscriber to pay part of the compensation itself.