Ensure your car is mandatory. In addition to the legal obligation, insurers offer optional guarantees to subscribe according to your specific needs. To be well insured, it is also necessary to respect certain rules, at the time of the subscription of the contract, during the contract and in prevention.
Compulsory car insurance: the civil liability guarantee
The only compulsory insurance in the car, the third-party liability insurance allows compensation for damage caused to third parties by the fault of the driver of the vehicle or one of his passengers:
injury or death of a pedestrian, passenger, or occupant of another vehicle;
damage to other cars, two-wheelers, buildings ...
This civil liability warranty covers authorized or unauthorized drivers. However, after compensating the victims, the insurer may have recourse against unauthorized drivers.
Failure to comply with this insurance obligation constitutes an offense. A fine, but also a license suspension and a vehicle impoundment can be applied.
In order to enable the enforcement authorities to comply with this legal obligation, the insurance certificate (or sticker) must be affixed to the windshield of the vehicle. In addition, the insurance certificate or green card may also be subject to verification.
This obligation of insurance applies even if the vehicle does not circulate, for example when it is stored in your garage.
Optional auto insurance
Damage to the car
• The damage guarantee all accidents
It covers all material damage to the vehicle, regardless of the type of accident or the fault committed by its driver.
• Collision damage warranty
It only plays in the event of a collision with a pedestrian, another vehicle or an animal whose owner is identified.
Most contracts exclude from the benefit of the damage cover all accidents and collision damage drivers who have used drugs or who are tested with a blood alcohol level in excess of the authorized limits.
• Theft and fire insurance of the vehicle
They allow you to receive compensation equal to the value of the vehicle on the day of the fire or theft, or to a value specified in the insurance contract.
In principle, the fire warranty also includes compensation for the consequences of an explosion, the fall of lightning or spontaneous combustion.
The insurance contract defines the conditions of application of the theft guarantee and the terms of compensation. The insurer may require preventive measures against theft (setting an alarm, setting up a circuit breaker to prevent starting, engraving on all the windows of the registration or serial number, accompanied by a registration of the vehicle on a file accessible to the police, delivery of the vehicle at night in a locked garage).
In the event of theft, compensation is paid after the period indicated in the insurance contract (usually thirty days). If the vehicle is found during this period, compensation for any damage caused by the thief is provided.
Vandalism may be covered as an appendix to the theft guarantee, subject to varying limits depending on the contract.
• Ice break guarantee
It covers damage to the windshield and can also extend to side windows, sunroofs, rear window, headlamps and mirrors.
• The most common options
Some extra-serial accessories (phone, roof box ...) are not always supported. To benefit from any insurance cover, they must be declared to the insurer at the time of the subscription of the contract or their installation.
Some contracts pay for new cars at their purchase price for six months or more, others cover cars at their purchase price for one or two years after acquisition regardless of their age. This guarantee option, which provides for a minimum of compensation for a certain period, makes it possible to increase the situations in which the vehicle can be repaired.
The contents of the vehicle (clothing and personal effects mainly) can also be guaranteed within certain limits and under certain conditions.
The loan of a replacement vehicle is also possible under certain conditions.
• Guarantees attached to optional damage warranties
If the contract includes a vehicle damage guarantee (all accidents, collision damage, theft, fire ...), the vehicle is automatically covered in case of natural disaster, technological disaster, storm, and attack. If only the guarantee "Best auto insurance companies in USA" is subscribed, the benefit of these guarantees will be limited to the elements corresponding to the definition of the breaking of windows (most often windshield and sometimes side windows, sunroof windows, rear window headlights, and mirrors).
- The natural disaster guarantee: If the vehicle is insured for the damage caused by a natural disaster (flood, avalanche, earthquake ...), this guarantee is published after publication in the Official Journal of the interministerial decree observing the state of natural disaster. A deductible of 380 euros is applicable.
- The technological disasters guarantee: The technological disasters guarantee covers damages resulting from technological disasters that have been the subject of a decree in the Official Journal. The damage is then settled without a deductible.
- The storm guarantee: The damages caused by the storm (wind effects) are compensated.
- The guarantee bombing an act of terrorism: The guarantee bomb covers the damage resulting from acts of terrorism and attacks committed on the national territory.
• Guarantees not attached to optional damage warranties
- The guarantee riots and popular movements: Unlike the guarantee of attack, it is not necessarily acquired. However many contracts offer the possibility of guaranteeing the vehicles for the damage resulting from a riot or a popular movement.
- Guarantees forces of nature: The car insurance contracts sometimes include a guarantee forces of nature, which plays in case of natural events not officially declared natural disasters.
The driver's guarantee
When the driver is injured in a traffic accident in which he is at fault or in which no manager is designated, the driver's guarantee allows him to be compensated.
For example, this guarantee supports, according to the insurance contracts:
• medical, surgical, pharmaceutical, hospitalization and prosthetic expenses;
• the financial loss associated with a work stoppage or permanent disability;
• the loss of the beneficiaries following the death.
Insurers offer two guarantee formulas:
• lump sum type, with capital fixed by the contract in case of permanent disability or death. In the absence of specific contract details, the benefits are in addition to the indemnities that a responsible third party may pay;
• indemnity type, with compensation for all the injury of the insured; sometimes there are guarantee ceilings and a deductible.
Service Guarantees
The legal protection guarantee
The legal protection guarantee can be offered either by the car insurance contractor in an autonomous contract. Different levels of guarantee can be offered:
• the criminal defense guarantee and recourse following an accident;
• the segmented legal protection guarantee, which covers a specific area of intervention such as automobile legal protection;
• the guarantee of general legal protection, which covers several areas so as to cover most of the disputes that the insured person is confronted with.
The assistance guarantee: for the vehicle and for the passengers
This guarantee can be repaired and towed in case of breakdown or accident.
Many insurance contracts also include the shipment of spare parts, accommodation fees for the duration of the repair or driving to a destination, the cost of recovering the vehicle and the payment of a deposit abroad.
Passenger assistance usually includes repatriation in case of accident or illness, reimbursement of medical expenses incurred abroad, repatriation of the body in case of death.
It should be checked whether there is a mileage deductible in the event of a breakdown and whether the assistance services apply in the foreign countries crossed. The assistance company provides itself the service of these benefits in kind on simple telephone call after checking the existence of the guarantee.
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