The types of incidents covered by car insurance

Some types of accidents or incidents are not covered by the insurance. With that, you will probably have trouble knowing the types of damage covered by your insurance. To better help you in this dilemma, here are the different types of incidents and accidents that auto insurance covers.

In the case of a theft of your car, you must report the loss within 24 hours to the police or the police and within 48 hours to your insurance. The authorities then give you a certificate of complaint that you send directly by registered letter to your insurer. With that, two options are available to you. First, if the police find your car within 30 days, you can recover it and your insurer will reimburse you for the repair costs. Second, if your car is lost forever, your insurer repays its value determined by an expert.

Key concepts

The incident is the key moment when the consumer realizes the relevance of his insurance cover.

Indeed, whether it is an insurance against all risks (guarantee containing all the optional guarantees mentioned below) or the third party (cf definition below), the car insurance contract includes several possibilities. We need to detail them in order to better explain the steps to follow in case of disaster.

Insurance guarantees related to your car

Two large families of categories are to be distinguished:

1 – The guarantee Third-party liability called third-party liability provided for by Article L. 211-1 of the Insurance Code: it covers the material and bodily injury that you may cause to others.

2 – The optional guarantees:

Guarantee of material damage: the insured is compensated for the damage caused to his vehicle in the event of a responsible accident, ie an accident to your exclusive wrongs. If the loss is due to a third party, the insurer of the driver will pay the full costs of compensation,

Driver’s warranty: it covers bodily injury and medical expenses that the driver (usual or occassional) has suffered in an accident,

“All accidents” damage guarantee: option that a++llows each time the car of the insured is damaged, regardless of the origin of the accident (parking, parking, vandalism …) to be compensated,

“Broken glass” warranty: repair or replacement of the windshield, rear window and side windows,

Guarantee theft: theft of the vehicle if it proves the break-in,

“Fire and explosion” guarantee: all types of damage (fire, explosion, lightning) are covered unless they are due to poor car maintenance (conventional exclusion),

“Legal protection”: the insurer intervenes in the event of litigation related to the vehicle and accompanies the insured in his steps until a possible trial.

Ice break

In case of a crack or broken glass, your car insurance offers you the optional warranty called “breakage”. With this, you have 5 days to make a declaration about the incident to your insurer to obtain compensation. In general, it is done by paying a deductible. The warranty is validated for all the windows of your mirror on the windshield. However, the amount of compensation is not the same, in which case you must check the clauses of your contract. In addition, a “broken glass” warranty is completely exclusive, ie if someone breaks the passenger’s window in order to steal your forgotten mobile phone from the seat, the incident will be described as a “theft”. . In this case, the guarantee is canceled directly.

The fire accident

The optional fire warranty only works when you have not made a prior declaration to the authorities. In this case, you have 5 days to declare the accident to your insurer while sending him a copy of the certificate of complaint. The compensation depends heavily then on the level of coverage mentioned in your contract. If your insurance is all-risk insurance, your car will be reimbursed based on its value estimated by a professional in the field. It is important to know that the warranty excludes the type of fire caused by your fault.

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