I damaged my car on my own insurance: Good to know
When you have an accident on your own, it is considered a responsible accident. So you only receive compensation when you have taken out an insurance plan that includes accident or collision damage coverage.
Unfortunately, a slippery road, a lack of signage or a poorly lit road can lead to an accident. But all this does not constitute arguments that can convince your insurer.
Also, speaking of bodily injury, it all depends on the insurance plan chosen. If you have not taken out an individual or bodily driver's warranty, you will not receive any compensation for your injuries.
However, in the event that there are passengers in the accident vehicle, they may be compensated. This is valid for vehicles subject to all types of insurance.
Generally, the car is driven by the experts in a parking lot provided by the insurance, where the professional in charge of the mission will make his expertise in order to determine the compensation (estimate) that will be offered to you by your insurer. That is to say, make the estimate.
However, it is mandatory to declare to your insurer a case of accident made alone at the risk of seeing your contract terminated, unless your mishap occurred without any risk. But if this happened while intoxicated or speeding, your insurer needs to be put on the hook.
Damaging your vehicle on your own: what does insurance say?
If after improper handling you damage your vehicle on your own without the intervention of a third party, it is important to take administrative steps to cover the damage. It is even more urgent when your clumsiness involves another driver. Here's what to do when you find yourself in such a situation.
The penalty: applicable solution for you?
When you have an accident on your own, it is legitimate to wonder if your insurance will cover the damage. Indeed, if the accident does not involve any third party, the penalty is immediately applied to the driver. The latter is therefore considered solely responsible for the accident.
In this case, his insurance contribution is automatically increased by 25%. This is a solution that insurance companies take when the driver loses control of their vehicle. In this sense, requesting an auto insurance quote is essential to avoid penalties, for example.
However, the penalty is no longer applied if an animal is involved in the accident. Insurance companies consider the accident to have occurred as a result of negligence on the part of the owner of the animal. It is therefore up to him to take his responsibilities.
What about the bonus-malus?
The bonus-malus is a mechanism which aims to reduce the auto insurance premium. It is designed to encourage ethical driving behavior. Thus, the driver's insurance premium increases when he himself is the cause of the accident.
It should be noted that the penalty varies between 0.5 and 3.50. If you are not declared responsible for an accident throughout the year, this coefficient will drop by 5% from a starting rate of 1. Thus, after 13 years without any involvement in an accident, the driver benefits from a minimum coefficient of 0.5. The reduction he is able to obtain cannot therefore be above 50%. If during this period you are responsible for an accident, the coefficient may reach its maximum of 0.5.
إرسال تعليق