Everything you need to know about car insurance

In France, it is obligatory to insure your vehicle in order to be able to use it. Driving without car insurance is a offense leading to a fine of up to €3,750. It is therefore important to know everything about car insurance in order to know the obligatory and optional guarantees. \n

An obligation to have car insurance

\nAs a driver, you must at least be covered by civil liability guarantee, which is also called “third party insurance”. This will cover bodily and material damage caused to another person and giving rise to your liability. This will also be mandatory in the case of a vehicle that is no longer running or declared as wrecked. \n\nTo take out car insurance without delay, do not hesitate to carry out a quick car insurance simulation directly online. \n\nAlso read: Ford certificate of conformity (COC): go online to get it at the best price\r\n

What are the risks of driving without insurance?

\nDriving a vehicle without car insurance is considered a crime in France. You may indeed be ordered to pay a fine of up to €3,750. But above all, you may end up with a license suspension or worse, a cancellation of license without being able to iron it for three years. \n\nBut other sanctions may be added, such as for example a vehicle immobilization or even work of general interest and even an obligation to carry out a road safety awareness course, at your expense. Without forgetting that in the event of a responsible accident, the Compulsory Damage Insurance Guarantee Fund (FGAO) which has compensated the victim(s) will ask you for reimbursement of the sums paid. In the event of significant damage, these sums can reach thousands of euros, which could be really detrimental to you. \n\nAlso read: Subscribe to the best hospitalization insurance in Belgium\r\n

The different guarantees in terms of car insurance

\nThere are different guarantees when it comes to car insurance that it is important to know about in order to make your choice. \n\nCompulsory insurance, known as civil liability insurance or third-party insurance: this guarantee will only cover damage caused to a third party or to another vehicle. It will not cover your own damages, whether bodily or material. They will therefore remain your responsibility if you are responsible for an accident. It will also not cover in the event of theft of your vehicle or damage linked to a natural disaster. \n\nAlso read: Les Bons Artisans, the ideal site to find qualified craftsmen throughout France\r\n

The different optional guarantees of car insurance

\nThere are also optional guarantees in terms of car insurance in order to enrich your contract. Here are the main optional guarantees: \n

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• Vehicle damage guarantees
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• The driver's personal guarantee
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• The assistance guarantee
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• The defense and recourse guarantee
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\nIf you subscribe to a comprehensive contract, some of these guarantees may therefore be directly included. But, you can also include them in your third-party insurance in order to be better covered. \n\nHowever, always take care to check the extent of the guarantees to which you have subscribed. It will also be interesting to compare different offers in order to make the most advantageous choice for you according to your needs. \n\nAlso read: The herbal vaporizer: what to know about this trendy device?\r\n

The different vehicle damage guarantees

\nWe are talking about optional guarantees which will allow you to cover damage suffered by your vehicle. \n

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• There all accident damage guarantee: it will cover all material damage suffered by your vehicle. And this, regardless of the type of accident or the fault committed by the driver.
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• There collision warranty: which will allow you to be compensated for damage suffered by your vehicle in the event of an accident occurring with one or more other vehicles, or with a pedestrian or an animal (if its owner is known).
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• THE theft and fire guarantees: which will allow you to receive compensation equal to the value of your vehicle on the day of the accident. Or compensation equal to the value provided for in your contract.
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• There glass breakage guarantee: which will cover damage to the windshield or even other windows, headlights and mirrors, depending on your contract.
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• THE natural disaster, technological disaster, storm and attack guarantees: which will cover you in the event of a climatic problem causing damage to your vehicle.
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\nIt is therefore imperative to have car insurance in order to be able to drive legally and to be covered in the event of damage. \n\n\n\n\n