If you want to drive around in your car, it is necessary to have the most basic coverage, that one which is the liability auto insurance. Having this insurance is mandatory; driving without it could be a cause of a sanction. Now well, what is the true scope of this insurance?.
With this kind of coverage damages caused to ourselves are not covered but those caused to the others implied in a hypothetical accident. For this reason this coverage is generally known as “Third parties insurance”. It is also important to take into account that in case of accident, in which a family member is implied, this insurance will not cover damages caused to his, her or their car but it will cover damages caused to persons.
This is a measure taken by the companies to avoid any deceit. Costs may vary between companies according to many factors, related to accidents, for instance. Anyway, you have to talk about this topic with the insurance for you to know more about the details. This avoids surprises and bad times when it is time to use your insurance coverage. Most of the times low costs is related to poor quality services, be prudent, insightful and observant.
Another very common thing, auto insurance companies preferred to do is offer you a different modality which is able to compliment the benefits, I am talking about voluntary liability insurance.
This kind of coverage applies when costs of some accident you are implied excess the limits that the basic coverage cannot assume. Counting on liability insurance provides you the tranquility to drive around the city or travel to nay destiny you want with the legality you need for that. Sanctions for not having the basic coverage may be high and your car may end immobilized for a month at least.
What can you do in case of accident?
Driving a car may be very dangerous; in fact, insurance companies consider it as risky. For this reason it could be probably that some accident which results in third party damages occurs. In this case, there is a lapse of 15 days from the date when the event is known. The next step you must take is to send the insurance company a written notice about the accident, for the company to fulfill its duty.
Then the company would decide to cover up to 70 million Euros in case of damages caused to third parties. This may include medical, legal or even funeral assistance if it is necessary. If there are only material damages, the insurance will only cover up to 15 million Euros for third parties. It is also indispensable for you to know that if the accident is your entire fault and you have hurt yourself and your car, this kind of insurance will not cover that.
Once you have known about liability auto insurance, the wisest thing you can do is to hire a type of policy more comprehensive to compliment the coverage that companies could provide you.
With this kind of coverage damages caused to ourselves are not covered but those caused to the others implied in a hypothetical accident. For this reason this coverage is generally known as “Third parties insurance”. It is also important to take into account that in case of accident, in which a family member is implied, this insurance will not cover damages caused to his, her or their car but it will cover damages caused to persons.
This is a measure taken by the companies to avoid any deceit. Costs may vary between companies according to many factors, related to accidents, for instance. Anyway, you have to talk about this topic with the insurance for you to know more about the details. This avoids surprises and bad times when it is time to use your insurance coverage. Most of the times low costs is related to poor quality services, be prudent, insightful and observant.
Another very common thing, auto insurance companies preferred to do is offer you a different modality which is able to compliment the benefits, I am talking about voluntary liability insurance.
This kind of coverage applies when costs of some accident you are implied excess the limits that the basic coverage cannot assume. Counting on liability insurance provides you the tranquility to drive around the city or travel to nay destiny you want with the legality you need for that. Sanctions for not having the basic coverage may be high and your car may end immobilized for a month at least.
What can you do in case of accident?
Driving a car may be very dangerous; in fact, insurance companies consider it as risky. For this reason it could be probably that some accident which results in third party damages occurs. In this case, there is a lapse of 15 days from the date when the event is known. The next step you must take is to send the insurance company a written notice about the accident, for the company to fulfill its duty.
Then the company would decide to cover up to 70 million Euros in case of damages caused to third parties. This may include medical, legal or even funeral assistance if it is necessary. If there are only material damages, the insurance will only cover up to 15 million Euros for third parties. It is also indispensable for you to know that if the accident is your entire fault and you have hurt yourself and your car, this kind of insurance will not cover that.
Once you have known about liability auto insurance, the wisest thing you can do is to hire a type of policy more comprehensive to compliment the coverage that companies could provide you.
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