Archive for the ‘Auto insurance’ Category
Childcare, gardening work, assistance with walking and acts of everyday life … it is sometimes necessary to use his personal vehicle, that of his employer or family help. What declarations must be made to the insurer? Who is responsible in case of car accident? What assurances will occur?
The use of personal vehicles
The use of “home-work” does not include travel. The driver who uses his car for business purposes must be declared to your insurer. Generally, it is the custom “business” or “professional” to be included in the insurance contract.
Even when the caregiver is employed by a company that usually assigned a vehicle, it may happen that he occasionally uses his own vehicle for the purposes of its functions. In this case, it should ensure that the employer has taken out a “contract mission,” which plays in an automobile accident that occurred on this occasion.
The use of employer’s vehicle
- The employer is a corporation or association which is a vehicle available
The liability of the employer, as custodian of the vehicle used for business purposes, or the driver is covered by auto insurance.
- The employer is an individual service recipient
It should alert the insurer to conduct occasional consideration by a third party.
The use of the vehicle’s particular service recipient without the employer
Every driver is insured under compulsory third party insurance. However, the pipe is made for consideration by a third party, even occasionally, should be reported to the insurer for this purpose.
The compensation for road accident
That the vehicle used is that of helping him, his employer, or family helped, compensation for injuries and damage depends on the status of the victim (driver or third), guarantees of the insurance contract and responsibilities in the car accident.
Personal injury and auto insurance
The insurer will indemnify the vehicle under the liability coverage. Passengers have the quality of third party and will therefore also compensated.
In the absence of others, the driver will receive the benefits provided by the compulsory social security. If he is employed, the car accident will be covered under the legislation on occupational accidents.
The compensation is not complete, it is prudent to verify that the auto insurance policy provides coverage individual driver.
If a third party is involved, the driver’s compensation depend on the degree of the offense he may have committed.
Property damage and auto insurance
- The driver is not responsible for a traffic accident
In this case, the damage will be compensated. Having completed an accident report will accelerate the time for compensation.
The driver is responsible for a traffic accident
The insurer will compensate the damage of the vehicle if it is provided by the auto insurance collision damage in all accidents or damages.
The variations of accompanied driving
The Early Learning of Conduct (AAC)
This allows learning, from 16 years after initial training in driving schools, to gain driving experience under the supervision of an attendant, traffic conditions in the most varied possible, before the passage of practical tests and obtaining a driving license.The candidate must first have passed the test code and completed at least 20 hours of driving in driving school.
The supervised driving
Candidates of 18 years and older, enrolled in driving school, may complete his initial training by a phase of supervised driving to acquire more experience before passing the practical test. As for the supervised driving from 16 years, the candidate of 18 years and older must first, have passed the test code and completed at least 20 hours of driving driving school. It is the teacher who allows the person to opt for this possibility by the degree of vehicle control, skills and behaviors they have observed the candidate. Read the rest of this entry »
What are the preventive measures to adopt? That cover the various insurances offered? In case of car theft, how is the compensation?
Protective devices
Measures to prevent theft are numerous: installation of an alarm, setting up a circuit breaker prohibiting the startup, engraving on all windows of the registration number or serial number, along with a registration of the vehicle on a file accessible to the police, delivery of the vehicle the night in a garage locked.
The implementation of these devices varies depending on the vehicle and contracts.The insurer may, indeed, make the flight to guarantee the implementation of some of these devices.
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Deductibles reduce the amount of the contribution of his car insurance and encourage prevention. It is important to be familiar with the franchise and their implementing rules, as for the insured, it is a commitment to keep some of the damage at his expense. They are therefore an important criterion for comparing warranties.
Different deductibles in insurance
The absolute frankness
This is the most common, it is always deducted from the compensation regardless of the amount of damage.
The deductible on single or
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The insurance of your vehicle (car, motorcycle, scooter …) was terminated as a result of accidents, non-payment of dues, a positive alcohol test, etc.., And you need to other insurers who refuse to guarantee. What to do?
What are the steps to enter the Central Rating Office (BCT)?
First, before entering this organization, you should look for the insurance company whose price is most favorable to you, because it is on this basis that the BCT will make its decision.
- Ask the insurer of your choice printed two copies of the “application for insurance.
- Complete both copies and keep one.
- Send a copy of the insurance application, by registered letter with acknowledgment of receipt, at the head office or regional office of the company (and not his agency). Also include a statement of your information or your old one (s) firm (s), photocopy of your vehicle registration and driver’s license.
- Ask the same time an insurance quote calculated tax for BCT. The insurance company is required to provide you with the reference rate applicable to the risk that you offer (article R 250-4 of the Insurance Code). Do not hesitate to raise to get it because it is essential to the education of your file.
- Failing a response within fifteen days of receipt of the proposal by the insurer, contact the CPA, by registered mail with return receipt, a copy of the insurance that you kept, the notice postal receipt signed by the company and a record of your information or your old one (s) firm (s).
If the insurance quotes do not always succeeded, restart the insurance company.
Determines how the BCT does the membership fee?
This is from the reference tariff provided by the insurance company that the BCT fixed the amount of the contribution for which the Company is required to ensure a period of one year. Its decision (about two months), you communicate it, and the insurer, within ten days.
The warranty is effective the day you accept, that is to say the day you sign the contract.You are then required to pay the premium and the insurer will send you an international motor insurance card or certificate, required to enable movement.
Compensation for damage to your vehicle depends on your responsibility in the accident and guarantees your auto insurance policy. How are the responsibilities in an accident, what are the various guarantees of auto insurance, how to place the expertise and compensation?
Determining liability in a car accident and compensation for damage of the vehicle
The vast majority of road accidents resulting in the drafting of a joint report for vehicle damage.
This document contains all necessary information on the accident circumstances, apparent damage, vehicle insurance (contract numbers and names of insurance companies).
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Wild boars, deer, deer … are annually responsible for numerous accidents.
What if I crash? How is the compensation? What are the consequences on the evolution of the bonus points? …
Driving my car, I collided with a boar. What steps should I take to be compensated?
You must notify the police or the national police and report the accident to your insurer within five business days. It will ask an expert to see that it is an accident caused by a wild animal. Think to keep the evidence of this collision (hair, testimonials, pictures …).
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Each driver has an accident report that he gave his insurer. This document allows it to be compensated more quickly, thanks to a joint recognition of the circumstances of the accident.
The accident report
Always use the accident report in case of traffic accident, and, if possible, when there are injuries.
In case of injury, the accident report does not duplicate the statement or record shall be established with the police or conditions. It is always the best way to quickly inform the insurer.
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The insurance does not compensate the entire loss suffered by a company in case of traffic accident: penalties for not meeting deadlines, loss of brand image, vehicle downtime, unavailability of staff …
This is why companies have every incentive to implement prevention plans.
A plan of road risk prevention in companies includes an analysis of claims, a program of corrective action and an evaluation of the effectiveness of measures taken.
A prevention plan tailored to reduce quickly the claims of the company.
Analysis of claims
The collection and analysis of data on accidents in the company for describing the claims, to analyze the causes, circumstances and consequences of accidents and to establish a typology.
In practice, the study claims experience, coupled with an audit of the company, focuses on four areas: the vehicle, the driver, the environment and business organization.
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Contract monitoring
The head of insurance must pay special attention during the subscription but also during the contract, statements that commit the company.
Upon subscription
An omission or misrepresentation may have different consequences depending on whether the insured is in good or in bad faith.
In good faith, the insurer reduced the award of a claim in proportion to the ratio between the premium paid and the premium actually payable. For compulsory civil liability insurance, the insurer shall indemnify the victims completely, but may be reimbursed later by his client.
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