Auto insurance offers several contracts to protect your vehicle, you and any victims in the event of a disaster. Thus, depending on your subscription, you can benefit from assistance when your vehicle falls into trouble. breakdown. That said, can we declare the breakdown of a car ?
What is a disaster?
Insurance is a service provided by specialized organizations to assist a third party when their vehicle is at risk. This area has its jargon that must be mastered in order to make the optimal choice of protection. Thus, the loss is an unfortunate event of natural origin or not which requires intervention from the insurer. Of course, depending on the car insurance contract established with the customer.
To be very clear, the loss is defined in insurance as a situation recorded in the contract at the time of signature and the occurrence or occurrence of which requires compensation. But in some cases, the reaction of thecar insurance is not automatic. Indeed, this will intervene if the victim claims compensation from the insured following the loss. This must be done within a regulatory deadline. This is also valid when you rent a car abroad.
The various types of disaster
Here is a list of the various disasters encountered in the contracts ofcar insurance in France. Please note that the guarantee depends on the contract signed.
The fire
We speak of fire when there is a fire that has not yet been controlled. In the case of thecar insurance particularly, this situation is linked to the motorist or his vehicle. If the customer has a guarantee that covers this loss, he has 5 days to send a certificate of filing a complaint to his insurance company. Please note that local authorities must be informed and that compensation depends on the fire guarantee provided by the policy.
The breaking of the glass
This type of loss relates to car windows. When the impact deteriorates the condition of the vehicle’s windows, the person concerned may benefit from compensation. The deadline for reporting this claim is also 05 days. But when the crack is linked to vandalism, the time limit is 02 days to file a complaint.
The flight
When a third party appropriates property that does not belong to them (without consent), this is considered theft in the eyes of the law. In terms ofcar insurance, the theft constitutes a loss. It must be immediately reported to the police in order to obtain the certificate of filing a complaint to be given to the insurer before 48 hours. Compensation in the case of theft is subject to several conditions.
The accident
An accident can cause damage to the car, but also to the health of people and even to the environment. It is one of the major losses covered by insurance. The process generally begins when the report completed by the victim in the presence of the police reaches the insurer. Before any compensation, the insurance company analyzes the degree of responsibility of his client in the accident. The deadline for submitting the report is 05 days.
In total, the car breakdown has its specific support. However, it is not declared as a disaster in the jargon of thecar insurance.
