When driving, an incident can quickly happen.
Whether it's a simple collision or a more serious accident, it is important to have a good car insurance formula to be taken care of.
Here are the key points to know in the event of an accident for
your car insurance
.
How does accident insurance work?
It is better to know the procedure to follow to
declare an accident to your insurer
before you need it!
If you find yourself in this situation, here is what to do.
Make an amicable report.
Carefully fill in all parts of the document (front/back) and make sure to have it signed by the other motorist.
In the event of an accident, the police or the gendarmerie will also make a report.
You can download a dedicated E‑constat auto application to make the report more easily.
Report to insurance.
You must send the report to your car insurance
within 5 working days following the accident.
Obtain compensation.
If you are entitled to compensation, your insurer can compensate you directly.
Compare car insurance to find the best one!
Good to know:
"In the event of an accident caused by a vehicle and its trailer, guaranteed in civil liability by different insurers, the claim for compensation can be addressed either to the insurer of the vehicle, or to the insurer of the trailer”
, explains France Assureur.
Which insurance pays in the event of an accident?
There are different scenarios to find out which insurer of the two motorists bears the costs related to the accident.
Many accidents are covered, subject to optional or mandatory car insurance guarantees.
If you are responsible for the accident
.
In this situation, you will only be compensated if you have the right insurance formula with coverage for collision damage or all accidents.
Liability insurance will therefore not cover you.
If you are not responsible for the accident
.
In this case, your insurer will compensate you in full.
If you are both responsible.
In this case, the compensation is partial since the responsibility is shared.
Good to know: your bonus-malus will change in the event of an accident.
>>Click to find the most protective car insurance in the event of an accident
