What to do in case of an accident?

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

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

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.

Types of Car Insurance

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.

Car Insurance FAQs

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.

All-risk insurance

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.

Third Party Insurance

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.

Historical insurance records file

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.

What to Consider When Hiring a Car 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.

Types of Term Life Insurance

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.

Types of Permanent Life Insurance

Life Insurance acts as a safeguard against possible economic constraints and the beneficiary will receive a sum of money in the event of his death. Giving peace to his family.

Permanent Life Insurance

Permanent Life Insurance
They are the insurance chosen by those who want to make an investment or think of the inheritance tax debts that will have to pay their family.

Advantages of Permanent Life Insurance

The biggest advantage is that it has no maturity, the capital is held for life, until the death of the insured. Together with the capital, the beneficiary will receive other capital from the share of the accumulated profits, up to that moment, after deduction of expenses and loans. It allows the insured to use part of the amount guaranteed by a savings system in case of requesting the value of the ransom.

Seguros de Vida Colectivos

Collective policies cover independently a number of people within the same policy.

Advantages of Collective Life Insurance

Individual insurances cover the death of a single insured, collective insurances are covered independently, with a single policy to a certain number of people and the insurance of several heads cover more than one insured, but it is established that The sum insured will be paid in case of death of the first or last of the insured group

What to do when a child hits his head?

It is common for children to suffer falls and blows, but those who worry most are blows to the head.

Fortunately the most common is that head blows only cause small bruises, some cut and pain in the area of the blow, which can be relieved with an ice pack or bandage and many kisses. Or occasionally, the fall may also cause a wound that needs stitches.
But in some cases, a blow to the head can cause something more serious, such as a concussion or cause more serious damage. This is why it is important to be attentive to the child's behavior after a blow to the head.

Medical Risks in Travel Insurance

Travel medical insurance is essential, to avoid having to face the high costs that can result from a serious accident or illness during the trip.

Frequently asked questions about travel insurance

Unforeseen
When traveling, medical emergencies can arise due to accident, illness, allergies, fractures, etc. Circumstances involving attention and very expensive benefits. They may also cancel your flight, misplace or steal your luggage or be in circumstances of force majeure that cause the cancellation of the trip or return home early. All these disadvantages can be presented beyond your good health or foresight, that you can be, no one is exempt from living a situation that ends with their longed vacation. Travel Insurance can provide the necessary protection to solve these situations.

What is life insurance?

What is Life Insurance?

Many are worried about economic problems, which their death may provoke their family. His greatest fear is that both his spouse and children do not have the means or income to take care of burial expenses, housing debts and living expenses.

The Life Insurance acts as a safeguard against a possible situation of economic constraints and the beneficiary will receive a sum of money in case of his death. Giving peace to his family. By signing a contract with the insurer, the insurer undertakes to deliver to the persons you have designated as beneficiaries a sum of money at the time of death. Its obligation in this contract is the payment of the premiums, in the manner stipulated in advance. Some policies may benefit the insured in life. These policies accumulate savings that can be used in the future, such as to supplement your retirement or for what you want to spend.

The Case for Car Seats: Never Leave Home Without One

Motor vehicle accidents are the leading cause of injury and death among children of all ages in the U.S. The lifesaving power of seat belts and booster seats is well-proven, but with safety recommendations and regulations changing practically yearly, it can be difficult for parents to keep up. How can parents know when a high-priced booster seat is worth it? When is a rear-facing seat safer than a front-facing seat? And now that you can buy booster seats for kids who weigh up to 90 lbs, does that mean we really need to?

Causes of force majeure: how does travel insurance cover them?

There are certain trips that we arrange well in advance, for example, to stay in a good hotel in high season without having to pay too much or in order to ensure a flight on the desired dates. Book months before, however, can cause us the fear that some mishap will prevent us from carrying out the trip, losing money from reservations. What problems could make us not enjoy our vacation? We all think about issues of health, work and studies, incidents involving significant expenditure or administrative procedures. However, there are other causes outside our private life that we can not control and that can also cause us to have to cancel or interrupt our trip. We talk about the causes of force majeure.

14 golden rules for cheap travel

The pleasure of traveling does not have to involve a high expense that only a few can afford. Nowadays there are many possibilities to save on reservations and destination and cheap travel. You may already practice some of these golden rules to really make your trip low cost. Others, perhaps you did not know them or you had not dared to enjoy them. Did you know that you can do free tours today? Or that inviting your friends to sign up for certain apps to book hotels can you get advantages and discounts? Follow our advice. From now on you will escape more often after discovering how to make cheap trips!

7 KEY POINTS TO DIFFER FROM GOOD TRAVEL INSURANCE

With the wide offer of travel insurance that exists in the market, sometimes it is not easy to choose the one that best suits our needs. In many cases, travelers opt for one option or another, taking as a criterion the price of the policy, understanding that a higher price will guarantee more protection, but this is not necessarily true. From the following points you will be able to differentiate a good travel insurance and have objective criteria to always be right in your choice.

10 REASONS FOR WHY YOU NEED TRAVEL INSURANCE

If you are still not sure what travel insurance is for, we will tell you just a few reasons why you will realize that you need one for your next adventure.

MAIN INCIDENTS DURING THE TRIP

What they are and how much they cost

An incident during a trip can be a real headache: extra expenses that we did not contemplate, difficulty in getting good medical care and even the total loss of the trip. We analyze one by one what are the main reasons for incidents in travel, how much they cost us and how travel insurance can help us to solve them.

TIPS TO TRAVEL TO CANADA

When to go to Canada
The high season in Canada covers the summer months, from June to August, when warm temperatures and sunlight invade the country, making even the north undo for a short period of time. However, this period has its logical consequence in the prices of accommodation, which rise, on average, 30%.

Winter also has a large influx of tourists, especially in the villages near the most popular ski resorts.

May is a good month to visit the country, because the prices are not yet so high and the weather, while cool, is pleasant.

TRAVEL INSURANCE TO UNITED STATES

TIPS FOR TRAVELING TO THE UNITED STATES

When to travel to the United States
Due to the large extent of the US, there are large differences in climate from one place to another. Thus, in the north and the mountains it is possible to reach very cold temperatures, the west is usually warmer, in the south there are frequent rains, the center is arid and in the east, with a tropical climate, the wind and Tornadoes.

For this reason, it is advisable to know beforehand about the specific site that you want to visit, so that we avoid extreme temperatures or the times of tornados, hurricanes or cyclones.

Travel Insurance Do I Really Need It?

Do I really need travel insurance? Regular tourists with regard to our online can understand that hardship, fees, plus tricks on design insurance is often a subject matter. Often we try to address. We usually get follow-up consultations through the tourists accordingly. However, the last message, two weeks earlier, was actually an unusual response.
He began a reader known as Edward (he asked each person's only surname) in the supplement in this slightly modified article, it is usually what precisely he stated: "I am not in my mid-sixties, and They have been lately traveling often because of the details of our late teens actually We live in Tiongkok, in the supplement of getting in connection with the 58 power of 60 to 70 travel arrangements a year, the two in the state, in addition I was never able to find a way to get to the top of our trip - we were able to see how much our travels were ahead of us (or someone very attractive) has a card,

The best 25 insurance companies in canada

Top 25 Top Insurance Companies in Canada
The following list shows the top 25 insurance providers and the best insurance coverage providers in North America ranked in order of total resources. Manulife Financial is the largest coverage insurance provider in North America and one of the largest lifestyle insurers in the world. Manulife operates in 21 countries, with major operations in Asia, North America and the United States. Great-West Lifeco Inc.

The Best Insurance Companies and in the United Kingdom (UK)

The Best Insurance Companies and in the United Kingdom (UK)
Below is a list of the top 30 insurance coverage providers and best insurance coverage providers in the UK in terms of total resources. Legal & General Group is the largest insurance provider in the UK with combined resources of £ 326,719 (US $ 507.9) million, resources under management (AUM) of £ 371 billion and Managed assets (AUA) of £ 65 billion dollars on December 31, 2011.

The 50 best insurance companies of the United States of America (USA)

Top 50 Best Insurance Companies in the US (United States of America)
Listed below are the top 50 insurance providers and the best insurance coverage providers in the United States, ranked according to their total assets. Metlife is the largest insurance provider in America and one of the largest insurers in the world, with more than 90 million customers worldwide. The company offers a wide range of insurance coverage products, including life and health coverage insurance coverage, accident insurance coverage,

AXA Introduces EIAC Connectivity Advances to Mediation Representatives

The Director of Distribution and Sales of AXA, Luis Sáez de Jáuregui, and the Director of Operations and Customer Service, José María Plaza, received at the insurer's headquarters the representatives of the Working Group for the promotion of EIAC (Standard for The Information Exchange between Insurers and Brokers) to explain the progress of the connectivity project.

Which chair is right for my child?

Child restraint systems are classified into groups according to the anthropometric characteristics of the child, the weight of which is the main factor.

Group 0
Child retention chair. This group includes the baby from birth to 1 year and can be used up to 10 kilos of weight.

You can use either a harness with harness attached to the seat belts of the rear seats, or a safety seat that can be placed in both the rear and the front seat.