Some answers on questions of Car Insurance.
In front of a car accident, what to do?
In the event of an accident, the following data must be collected:
First: First of all verify, that those who travel with you are in perfect health. After you have calmed down and freaked out.
Theft, Fire and Moons
Insurance for Third Parties / Combined
They are safe that protect the car of the insured against these risks according to the insured capital. In case of loss the insurance covers the damages suffered by the vehicle.
These policies extend Third Party Insurance coverage, incorporating other insurance that completes the benefit. It is an alternative to All-Risk Insurance, something more economical with coverage of the most common risks. As Third Party Insurance also does not cover damage to the insured or your vehicle.
Friendly Accident Settlement
Some answers on Car Insurance issues
Friendly Car Accident Statement
It is a model car declaration form called "Car Accident Friendly Declaration" is uniform for all insurers and in all countries of the European community.
There are different types of car insurance depends on the risks they cover.
characteristics
The car insurance establishes the conditions under which the insurance company will pay compensation for direct or indirect damages caused or suffered by a car while it was circulating.
We must analyze what it truly includes and for that it is important not to skip the Small Letter. Because at the time of the incident we can find the surprise, that our coverage is quite different from what we thought. Let's start with the principle and analyze the types of insurance.
What happens if you drive without insurance?
As we know there is an obligation to contract a Civil Liability Insurance stipulated by the legislation. The driver, who drives without insurance will be fined and in some cases the car may be immobilized.
The fines range from 600 euros to 3000 euros. If you suffer an accident the responsibility will fall on the uninsured driver, beyond the fault of the accident outside the other driver. The uninsured driver must pay the expenses for the repairs of the other vehicle. Mostly the uninsured can not take care of the economic expenses inherent to the repair. In these circumstances, the Insurance Compensation Consortium will take charge of the payment.
If we include all the possibilities of coverages that the insurer offers us, it will be a policy or comprehensive insurance.
All-risk car insurance
As we know, all car insurance policies are a sum of coverages or what are called "combined policies" that can be adapted to the needs of the insured. If we include all the possibilities offered by the insurer, it will be a Full Risk Insurance policy.
Mandatory Civil Liability
The Third Party Insurance covers injuries caused to third parties and damages caused to things of these and allows to include other additional coverages.
characteristics
If the owner of the insured automobile causes accident or personal injury or death of a third party, the company responds to a certain amount. The compensation for property damage is reduced.
The historical file is a personal database.
What is the Insured Vehicle Information File?
It is a database where the Insurance Compensation Consortium collects the insurers' data, which cover the Civil Responsibility of each of the vehicles that circulate and contrasts them with the traffic information, to control the circulation of uninsured cars .
It is a control to verify and control the owners of vehicles in the fulfillment of the contracting of compulsory insurance.
Some answers to the most frequently asked car insurance questions
Before hiring car insurance
Before signing the policy, carefully read the entire policy, especially the fine print.
Depending on the amount of benefit payable and the options for renewal or conversion to another type of Life Insurance, Temporary or Term Insurance may be as follows.
