Am I covered by my insurance if I damage my car myself?
If I damaged my car on my own, what does my insurance say? Sometimes you can lose control of your vehicle and be responsible for an accident. If during this awkwardness you hang on to another driver, it is imperative to take administrative steps in order to cover the damage. I damaged my car on my own insurance, find out all about this key subject.
Also, when you damage your automobile, following the wrong maneuver, you must also contact your insurer to keep them informed. Now the question is whether protection is granted to a driver who damages his car himself.
Franchise, what is it? And what is its value in the event of a responsible accident?
The deductible represents a financial charge which is borne by the insured. We are talking about a device that intervenes only when one of the guarantees in the insurance contract is triggered. So the deductible is set from one insurance company to another.
In the particular case where the driver is responsible for the accident which damaged his vehicle, the value of the excess is determined according to specific criteria.
On the one hand, if the insured causes damage to another road user during the accident, it is his civil liability that comes into play. Faced with such a situation, the insurer is responsible for compensating the victim by repairing the damage. No deductible is required from the insured. However, it is charged a penalty.
On the other hand, if the insured is protected by an all-risk guarantee, it should be noted that the compensation procedure is specific. Indeed, the insurer takes care of repairing, up to a certain limit, the damage suffered by the insured's vehicle. This limit is in principle mentioned at the level of the compensation ceiling.
So even when you are completely responsible for an accident that damages your vehicle, the repair of the damage is covered by the insurer. However, the full amount of the deductible is charged to you.
The penalty, the solution applied to an insured responsible for an accident without the involvement of a third party
When an auto accident happens on its own, you usually wonder if your insurance company can intervene to cover the damage and repairs. At this point, it should first be remembered that if no third party is involved in the accident, the penalty is applied to the driver. Indeed, the latter is considered to be responsible for the accident.
This is why his insurance premium is automatically increased by 25%. We are talking about a device that insurance companies use in the event of a responsible claim or when the driver loses control of his car. You therefore damage your car on your own (as with non-rolling car insurance).
On the other hand, it should be noted that an animal is involved in the accident or the latter is due to the negligence of the owner of the animal, the penalty is not applied. It is then up to the owner of the animal to take responsibility. In this particular case, you must notify your insurer within a strict period of 5 days so that the responsibilities are located.
What exactly is the bonus-malus?
The bonus-malus is above all designed to encourage respect for the ethics of road traffic. This is a mechanism that aims to reduce the amount of the auto insurance premium.
In other words, when the driver loses control of his vehicle and ends up being the victim of an accident he caused himself, his insurance premium goes up (like wreckage insurance).
It is very easy to determine your penalty. First you should know that it can vary only between 0.5 and 3.50. If throughout the year you are not declared responsible for an accident, the coefficient drops by 5% from a starting rate of 1.
After 13 years without an accident, the driver benefits from a minimum coefficient of 0.5. It is therefore possible to have a reduction whose value cannot exceed 50%. When you are responsible for an accident, the coefficient can reach a maximum limit of 0.5.
إرسال تعليق