The choice of your insurance relates to the value of your vehicle. Indeed, the more your car is more expensive insurance becomes a necessity. 5 years exceeded the argus has a low value, if in addition this car has a small engine do not rush and think before you subscribe to an insurance damage.
It is therefore appropriate to question the quality, the coast argus, the seniority of his car before choosing an insurance policy which could disadvantage you in the end.
Guarantees useful according to the type of vehicle:
The security “damage collisions”:
It is almost a guarantee for the motorist vital that we strongly advise you. It is, in addition to third-party liability insurance, a series of other safeguards covering the driver, responsible or not, when his car is damaged, provided that the third party is identified.
The security damage, insurance called “all risks”:
It involves drivers wishing to ensure their vehicle regardless of the damage to their car when claims involving or not their responsibility. This insurance generally offers a variety of forms more or less different, the formula for which you choose will be beneficial if it remains appropriate to the value of your car.
The details listed to check on the proposed contract:
The security of personal injuries suffered by the driver:
Guaranteed “all risk” does not necessarily protect the driver if he gets injured. It may be that the driver bears the full responsibility or no charge (weather outside is not provided etc..). The guarantee allows the driver in this case to compensate the injured driver.
The security of the driver can cover for example, according to the contracts:
* The medical, pharmaceutical, surgical, hospitalization, and prosthetics.
* The financial loss due to stoppage of work or a disability.
* The injury-related death.
Franchise: the part that you owe
The latter is defined as the value that remains after compensation at your expense in the event of a disaster. Contracts are full auto insurance franchise of any kind, so be careful and read carefully what the proposed contracts.
When the loan guarantee of vehicle:
If the contract does not mention any objection to the insurance remains in force even when changing drivers then guarantees are always validated in this case. Insurance generally provide that the driver is such as age or level of seniority license to validate if there are guarantees of the vehicle loan. Verify that such persons are permitted by the standards of your contracts to drive yours. Check cheap auto insurance now.
Guarantee broken windows:
This warranty covers the windshield, rear and side windows. Regarding the roof, block optical mirrors, etc.. the security on the contract. This will depend, therefore, closes it. Although the full cost of repairs and the installation costs are reimbursed, you have a deductible.
Note: A broken windows does not penalty, and therefore does not increase your contribution.
Safeguards against damage from natural disasters
They are normally secured, however, the insured can not justify the existence of the natural disaster other than to be recognized publicly. Only a decree issued by the prefect of the department decides whether there was such a phenomenon.
Guarantee against theft and fire:
Under certain conditions specified in the contract the guarantee applies. However, claims incurred as a result of attacks or riots are generally covered by the guarantees theft, fire, collision damage or risks. Make sure that the chosen methods of calculation to assess the age of the vehicle and the price of the franchise is not too penalizing. For compensation, some insurance companies take into account the price achat neuf during the first six months of use of the car. However many do not guarantee against theft of equipment or vandalism. On the contrary, if you have a guarantee against the theft of equipment, it is necessary to declare the same equipment to your insurer.
Note: The contract does not always take into account all the optional accessories of the vehicle in case of theft. In addition and according to article 1341 of the Civil Code, it is stated that any person who has been stolen must prove to have been stolen. Keep trace of your purchases is not always appropriate.
Guarantee of legal protection:
It allows you to be supported by your insurer a commitment to defend yourself in court. This critical situation can happen when as a result of an accident you have been charged by the minutes and brought to justice. The guarantee may also be useful if you want to defend themselves from the seller of the vehicle, in case of defect.
Guaranteed according to the use of your car:
The accuracy remains in insurance, a safe ally. If your car is used for your purposes, declare it to your insurer.
Warranty repair your car:
This is a security which is not very famous but at least it allows repairing or towing the vehicle in case of accident or breakdown. We often have a guarantee of insurance type – Troubleshooting – return with our car insurance or even with our simple credit card.
It is therefore useful to take stock of the benefits of your contract, here are some key points:
* Kilometric frankness: it indicates the maximum distance between the place of residence and place of accident to be repaired. The average is 50 km from home is therefore useful for routine and unnecessary drivers for adventurers who are often away from home.
* The ceiling of care
* The costs of the consequent failure: back to home (transport, hotel)
In conclusion, consider choosing your guarantees the age of your vehicle and do not bite the bait attractive price premiums offered. Step back, read and dissect what guarantees are offered. Make sure they are not limited to benefits, they are not strict to lose their raison d’être: the interest you are supposed to withdraw in the end.
