Automobile insurance: Types and safeguards

It is difficult to master the subject of auto insurance as a whole. Indeed, it is a vast subject that requires a complete search for information to become unbeatable.Assurances.info tried to group the most important information in a single file to simplify things a bit. If you are not held responsible, you will be compensated according to the base value used in the contract of your automobile insurance, namely the replacement value of your vehicle by a vehicle of equal value in the same condition before the accident. Often repairs are discarded for economic reasons, when the vehicle's value is less than the cost of repairs. Know that the expert does not move to assess the damage to a vehicle covered in third. If you have purchased an additional warranty "third collision", you can claim compensation if your vehicle is injured in a collision with a pedestrian, an animal whose owner is identified or other vehicle (car or motorcycle). There are two major types of automobile insurance: risks and all the third party: As its name suggests, risk insurance covers you for up to risk. And it usually includes liability, glass breakage, fire, theft, storms and other extreme weather events, natural disasters, legal protection and remedies ... Whatever the claim you will be victim, provided that in any case a franchise is your responsibility and this regardless of your contract of automobile insurance. The third party insurance is the minimum insurance required. It includes at least one automobile liability which guarantees compensation for damage and injury caused by the driver of the car. This insurance is recommended for vehicles with a lower value. However it may also include responsibility against third parties, fire and theft, then it is an alternative to insurance coverage. The point on safeguards If you are insured to the third party, without warranty collision damage that is to say only guarantee for minimum mandatory civil liability, you will not be compensated for any liability, not even if no charge is identified. This type of insurance relates generally to vehicles and provides little value in case of fault accident that the other party can be compensated. Only insurance "all risks" allows you to be compensated regardless of the level of responsibility. The expertise will appraise the damage and the circumstances of the accident and determine the possibilities of repair technically and economically. The report of the expert appointed by the automobile insurance company must be established within12 days and sent to the insurer and the insured. If you disagree with the conclusions of the expert, you can use against a second opinion at your expense. The compensation In case of vehicle repair, management of insurance varies if the compensation is in respect of civil liability (when a third party is involved) or damage under warranty. In the first case, if the cost of repairs is less than the estimated value of the vehicle by the expert, the insurance covers the expenses and apply a deductible you're responsible or not. In the second case, compensation is equal to the value of automobile insurance is to say, the market value declared in the contract or agreement. For more info: what is sr22
Automobile insurance