The different civil responsibilities Civil liability private life
Included in home insurance contracts, private life liability covers you in the event of a loss caused by you, your loved ones, your objects and animals (generally everything that depends on you or that you have under your roof, hence the inclusion in home insurance).
The insurance will therefore take care of compensating the person (s) victims of daily disasters: if your dog bites someone, if your child breaks a valuable object at a neighbor's house, if the gardener you have employed injures a passer-by by passing the mower, etc.
However, you must be careful with the amounts covered. Taking out a civil private life guarantee does not mean that all the damage caused will be insured.
Professional civil liability (RC Pro)
Its principle is the same as private life liability. RC Pro insures professional managers in the event of damage caused to others by the entrepreneur, his employees or his activity. It is compulsory in many professions.
Civil liability in auto and motorcycle insurance
Civil liability is the minimum guarantee that it is compulsory to take out when owning or borrowing a land motor vehicle, and even if the latter never leaves the garage (articles L321-1 of the Highway Code, and L211- 1 of the Insurance Code). The RC is used to compensate the material damages and bodily injury that may be caused to others following a disaster or accident.
Who is covered by civil liability?
Depending on the contracts, private life liability may cover damage caused by the contract holder, as well as by people, animals and objects under his responsibility, namely:
His children, if they live under his roof (including adult children who still live with you)
Parents living in the accommodation
So-called domestic workers (housekeeper, gardener, babysitter, etc.)
Animals (or those you keep)
Personal items and equipment as well as those borrowed or rented
Housing owned or rented by the holder
In the context of car or motorcycle insurance, it is the person holding the contract who is covered, but it is possible to add drivers to the insurance, via the secondary driver guarantee.
How to operate liability insurance?
If you are responsible for a claim, you need to gather as much information as you can about the circumstances of the accident and ask the victim to do the same to prove their injury. These documents will then be sent to your insurer, after declaration within five days of the accident. If you are the victim of a claim, the procedure for making civil liability work is the same, but it is the liability of the person responsible who will have to compensate you.
How to declare a civil liability claim?
To enforce private life liability following a loss, a registered letter must be sent to the insurer within five days. He must describe the facts and the names of any witnesses.
The same five-day period applies to report an auto or motorcycle claim to your insurer.
Is liability insurance compulsory?
In France, the Civil Code requires everyone to make reparation for damage caused to others (article 1240). For this reason, taking out private life liability insurance is highly recommended, as repairing damage caused to a third party can be excessively expensive. In addition, you will be asked for this guarantee in a number of activities (sports associations, volunteering, etc.)
Regarding civil liability in auto and motorcycle insurance, it is absolutely mandatory. It is even the only guarantee imposed to be able to move and park your vehicle.
Finally, pro CR is only mandatory in a certain number of professions, but it is actually very highly recommended for all.
How to take out civil liability insurance?
Liability is included in auto, scooter, motorcycle, and home insurance policies. If you take out one of these contracts, you are therefore taking out the RC guarantee. However, it is important to make sure that you are well informed about this guarantee: who does it cover? Only you or also your loved ones? What amounts are covered? For what types of claims?
What are the points to check before subscribing?
Each contract is different. Thus, guarantees may vary. It is therefore important to check what is included and what is not. Regarding civil liability, here are the different points that should attract your attention:
The people covered by the contract;
The amounts of deductibles according to the different types of claims
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