Any owner of a motor vehicle must compulsorily insure it with, at a minimum, a civil liability guarantee (also called “third party insurance”. This cover exclusively covers damage that the insured car could cause to a third party (passenger, other driver, pedestrian, etc.) or to another vehicle.
Optional auto insurance coverages
The insured who does not find the civil liability guarantee sufficiently protective can choose to take out more extensive guarantees and protect themselves against more situations. These options and warranty extensions will automatically revalue the auto insurance premium upward. They may relate to damage caused to the vehicle, specific uses or cover the goods inside the car. From the San antonio car accident lawyer you can now find the perfect solution.
Vehicle damage guarantees
Taking out damage guarantees in addition to third party insurance allows you to benefit from compensation when the insured vehicle is damaged following a claim.
To always benefit from optimal insurance coverage, it is necessary to declare the installation of special accessories (rims, radio, telephone, roof box, etc.) on the insured car.
The damage guarantee for all accidents or all risks
The comprehensive insurance covers all damage to the vehicle regardless of the circumstances of the accident or the driver’s liability.
Collision damage guarantee
This warranty reimburses damage caused to the vehicle in the event of a collision with another car, a pedestrian or an animal. In each case, the owner of the vehicle concerned, the pedestrian or the animal must be identified. If this is not the case, that is to say that the car runs away or that it is a wild animal , no refund is then possible.
The fire and theft guarantee
The fire and theft guarantee compensates the owner of the vehicle when it is damaged or destroyed by fire, or when it is stolen. The compensation varies according to the conditions provided for by the insurance, it can be based on the value of the car at the time of the claim or on a conventional value indicated in the contract.
The vandalism guarantee , sometimes associated with the theft guarantee, covers the insured against all risks of graffiti, scratches, broken rear view mirror, etc.
The glass breakage guarantee
The glass breakage guarantee will come into play in the event of damage to the windshield of the insured vehicle. If the insurance contract so provides, this cover may be extended to the side, rear and roof windows, as well as to the headlights and exterior mirrors.
Additional guarantees linked to damage guarantees
Several guarantees are necessarily included when purchasing damage guarantees (all accidents, collision damage, theft, fire, etc.). The vehicle is then automatically covered against natural disasters, technological disasters, storms and attacks.
Free choice of lawyer?
If in the end you have to consult a lawyer, you have the free choice to call on the one you want. In your insurer’s insurance policies, this free choice cannot be taken away from you.