Car insurance

Insurancebibl InsuranceGuarantees of the compulsory car insurance
Compulsory insurance liability guarantees all accidents and injury caused to others regardless of responsibilities.
The insurance covers damage to people who are not in the vehicle as well as those transported in the car (including members of the family of the driver). However, those caused to the vehicle driver at fault will not be covered if he did not agree a security driver.

The guarantee does not automatically in every case of borrowing vehicle. Re-read the contract or seek clarification from the insurer.

Cost of car insurance
Prices are free and depend on many factors: the insurance company, the vehicle model, condition and age of the insured and the region where he lives.
They vary considerably from one company to another. The prices are often the most interesting ones of mutual professional or those offered by some specialized websites.
However, the company is obliged to disclose its fees to the Ministry of Economy. It must provide them to prospective insured upon request a detailed estimate within these rates.
In case of problems on the price of insurance or if the company refuses to provide a driver (eg if it had a contract terminated earlier disaster), we can enter the central rating office car (1, rue Jules Lefebvre - Paris 9th or bureaucentraldetarification.com.fr).

What to do in case of accident? make a statement to his insurer explaining the circumstances of the accident: date, time, place, position of cars before and after the accident (draw a picture), details of the rough elements; indicate the name, address and other driver's insurance.

If the accident is important, we can attach names and addresses of witnesses.

The accident report form is provided by insurers in lieu of return and allows a refund faster if properly completed and signed by the other driver; the statutory deadline for sending the statement is 5 days.
What you need to know about the bonus and penalty?

Coverage level
Vehicle insurance can cover some or all of the following items:

  • The insured party (medical payments)
  • The insured vehicle (physical damage)
  • Third parties (car and people, property damage and bodily injury)
  • Third party, fire and theft
  • In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance)
Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently. Behavior Based Insurance

The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed. A US patent application combining this technology with a usage based insurance product to create a new type of behavior based auto insurance product is currently open for public comment on peer to patent.