If this is the only compulsory guarantee, it is recommended to take out other guarantees to be better protected in the event of an accident or car claim .
Optional auto insurance guarantees
To benefit from better car insurance , you can subscribe to other guarantees. Although they are optional they can be of great use . They can be classified into different categories:
The driver’s personal guarantee
The driver’s personal guarantee is the only protection that covers bodily injuries suffered by the insured driver , even if he or she is responsible for the accident.This guarantee covers medical expenses, damage suffered and any loss of income linked to work stoppage.
Depending on the conditions provided for in the contract, the driver’s warranty may cover the latter even if he was driving a vehicle other than the one insured under the contract (rental car, loan, etc.).
Comprehensive or all-accident damage guarantee
Comprehensive car insurance , which is actually considered a formula, covers all damage to the vehicle . This applies regardless of the circumstances of the car accident or the driver’s liability.While this is the most protective coverage , it is also the one that will significantly increase the price of your car insurance Drivers who purchase it are generally those whose vehicle is still very new or who drive long distances during the year.
Please note : just because you have this coverage doesn’t mean you shouldn’t be careful with your driving! For example, in the case of drunk driving, your car insurer will not compensate you. This is an exclusion from the car insurance coverage .
Collision damage auto warranty
Collision damage insurance reimburses for damage caused to the vehicle in the event of a collision with another car, a pedestrian, an animal, or even an obstacle. In each case, the person or animal hit must be identified .If this is not the case, i.e. This is the main difference with comprehensive insurance.
The areas covered by this guarantee vary depending on the insurer. So, pay close attention to the terms of your contract if you purchase this type of car insurance!
Car fire insurance
Car fire insurance covers damage to a car caused by fire or explosion . Depending on the extent of the damage, this insurance may include replacement of the vehicle or repair of the damage .
Car insurance guarantees in addition to damage guarantees
Several guarantees are mandatory included in your contract when you subscribe to the damage guarantees mentioned above.
The storm car warranty
As its name suggests, natural disaster auto insurance covers the car in the event of material damage caused by a natural disaster (flood, earthquake, avalanche, tidal wave, tornado, earthquake, etc.).
The technological disaster guarantee , for its part, covers the car in the event of disasters linked to underground storage of dangerous products, transport of dangerous materials, etc.
In either case, the state of disaster must be the subject of an interministerial decree in the Official Journal so that the insurance can compensate you.
Auto attack and act of terrorism insurance
This guarantee provides compensation for damage resulting from acts of terrorism and attacks when they are committed on national territory.
Additional car insurance guarantees
In addition to insurance covering vehicle damage, other guarantees may apply in situations that do not necessarily involve an accident or material damage.
Mechanical breakdown auto warranty : this covers auto repair costs related to the breakdown of the insured vehicle;
Theft of personal effects auto insurance : this can be used in the event of the disappearance of objects present inside the insured vehicle, whether personal or professional in nature (telephone, laptop, digital tablet, GPS, etc.);
Legal protection or legal defense auto warranty
In the event of a claim, the insured may be involved in legal proceedings against a third party. It will then cover the lawyer’s fees, expert assessment costs and legal proceedings. This insurance is generally subject to numerous conditions, such as fee caps or waiting periods .
The car breakdown assistance guarantee
Most car insurance companies offer breakdown assistance services , often available 24/7 . Car breakdown assistance coverage typically includes towing, driver accommodation, or a replacement car while the repairs are being carried out.
Car Insurance Guarantees: How Much Do They Cost?
It is difficult to determine the exact price of a guarantee. If you want to get an idea of the rates, you can base your decision on the car insurance formulas . Indeed, each formula includes a certain number of guarantees .
