The reasons why the penalty is applied when no third party is involved in the accident

The reasons why the penalty is applied when no third party is involved in the accident
The value of an insured's penalty generally depends on the number of responsible accidents in which he is involved. The amount corresponding to this device does not change, whether you are totally responsible for the accident or if it is a collision with another driver. The purpose of the penalty is not to reimburse the victim to the detriment of the person responsible for the accident. Rather, the primary role of the penalty is to pay for repairs to damage caused by the insured during the accident.

And also, it aims to help drivers adopt exemplary behavior on the road. The penalty thus fulfills a function of accountability of the insured.
The bonus-malus is a device that is part of an advantageous context for a person subscribed to car insurance. Discover our file on auto insurance withdrawal to find out more. First, when the driver is fully responsible for the accident, its coefficient increases by 25%. On the other hand, in the absence of a 100% responsible accident, the coefficient decreases by 5% per year.

By way of illustration, when the insured pays 200 euros as a motor insurance premium, without an accident, this amount increases to 175 euros the following year. However, following a first accident, this value drops to 250 euros.

Can the insured person report an accident caused by himself without the involvement of a third party?
Whether or not you are responsible for an accident, it is essential to inform your insurance company. In the specific case where the driver is responsible for the accident due to loss of control, for example, the insurer must be notified (as with broken glass car insurance).

This is imperative insofar as the latter can offer you compensation. On the one hand, you must complete an amicable report as well as a claim declaration for your car insurance. Establishing an amicable report is especially imperative when you cause damage to another driver, in addition to damaging your vehicle. To this end, this document must:

mention the driver's full contact details and his auto insurance customer references;
specify the date and place of the action.
In addition, for your amicable report to be valid, you must complete the details of the damage caused during the hanging, then a drawing representing the circumstances of the accident.

On the other hand, when you are the only victim of the loss of control, there is no question of presenting an amicable report, because only one car is involved.
However, it is essential to fill in the various information that must be entered in the amicable report. This data allows the insurer to compensate you when you are insured for all risks.

I damaged my car alone insurance

Important information to know
When the driver shows "intentional forgetfulness" with regard to the declaration of the accident, a serious penalty is applied.

Indeed, this is an act that is considered a false declaration according to Article L113-8 of the Insurance Code. The insurance company can go so far as to terminate the contract if it discovers this act of bad faith on the part of the insured. The company can then post at AGIRA for 5 years.

Any insured exposed to this type of sanction experiences serious difficulties in taking out new auto insurance. Although it is tempting not to make the declaration to save a 25% penalty, it is important to remember that failure to do so entails greater financial responsibilities in terms of repairs.

Finally, by informing your insurer, you are opting for a safe solution, because a simple damage to your car can represent a future threat to your safety.