The different types of auto insurance
Alt = "What type of insurance to choose for your car?"
Before taking out insurance, it is important to know the possibilities and the guarantees covered.
Multi-risk insurance: what guarantees?
Multi-risk or all-risk insurance is a contract with broad coverage. The guarantees are the same as those provided by compulsory insurance. In addition, it covers the insured himself. Indeed, this type of insurance allows you to benefit from reimbursement in the event of bodily injury and material damage. The contractor can exercise this right, whether or not he is at fault in the accident. Reimbursement can also take place, even if the culprit is not identified. Depending on the option chosen, care or repairs are partially or fully covered. Importantly, comprehensive insurance does not have unlimited coverage. Some clauses are inserted by insurance companies like MAAF. They should be identified and read carefully. Covered warranties should also be included. Nothing is automatic in this area. Indeed, some guarantees have become optional. If the client does not request their inclusion in the contract, the company will hide them. Please note, the more guarantees there are, the more the risk price increases. It is a good idea to only include covers that are appropriate for the style of driving.
Compulsory liability insurance: what guarantees?
Just like having a driver's license, taking out an insurance contract is an obligation. No motorist is allowed to travel on public roads without being insured. Failure to comply with this law is considered a criminal offense. If checked by the authorities, the driver risks a fine of up to € 3,750. Depending on the seriousness of the fault, he may be subject to confiscation of the vehicle or suspension of the license for 3 years. Thus, it is necessary to take out a contract, at least compulsory liability insurance. This is third party insurance which covers the contractor's civil liability in the event of an accident. In other words, the guarantees relate to compensation for moral, physical or material damage suffered by a third party. It also means that the insured is not covered. If he is blessed in an accident that he himself has tested, he will have to take care of his own care or that of his loved ones. On the other hand, he can benefit from reimbursement of expenses by the insurance of the third party if the latter is at fault.
How to take out auto insurance?
Before purchasing auto insurance, the first choice to do is find a reliable insurer. The best way to do this is to educate yourself. Don't hesitate to dwell on the pros and cons. After making a list, visiting insurance companies in person is recommended. The goal is to discover the offers offered and to compare them. The choice should be based on the coverage provided and the repayment terms. In order to obtain as much information as possible, the information given must be correct and defined on the contract sought. Once all the cards are in hand, choosing the company will be easier.
The next step is to contact the insurer so that they prepare a contract including all the desired guarantees. To finalize the contract, a file is requested. It consists of a registration certificate, driving license and insurance information record. The first document is for the insurer to verify the registration number, horsepower, model and age of the car. As for the driving license, it will be used to determine the level of risk, but also if the person can play the young driver formula. Finally, the third document is reserved for individuals who have already been insured. It contains information about the background of the driver
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