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3 things to keep in mind for your car insurance

There are almost 40 million vehicles on the road in France and almost as many people have car insurance, however, despite its presence, car insurance is sometimes a product that is not well understood by most drivers.

Car insurance is mandatory

No one is allowed to own or operate a motor vehicle without third party insurance.

Indeed, the insurance code and its article L211-1 are formal, in case of failure to comply with this obligation, you could be fined up to 3 750€ and have your driving license suspended.

Did you know that? Even if your vehicle is in the garage, it must be insured even if you don't drive it

Third-party coverage does not protect you from damage!

If you are insured at the very least (according to the legal obligation described above), you should know that third party automobile insurance is only a civil liability coverage.

That is to say that the latter will be able to take in charge financially the damages that you could inflict to others, but, the assumption of responsibility of your own damages are not included in the latter, nor even the damages caused by fires or natural disasters...

Fortunately, insurers now have a portfolio of insurance products They offer improved third-party insurance that covers, at a minimum, non-accidental losses such as glass breakage, theft, attacks, fire, etc.

Beware of low car insurance prices

Car insurances offering competitive rates have, in most cases, a much higher deductible than in more "classic" contracts.

The deductible is a sum of money, generally fixed and provided for in the contract, which you must pay in order to obtain financial coverage from your insurer in the event of a claim (whether or not it is responsible, depending on your insurance policy).

Sometimes it may be more beneficial to choose an economical offer with a high deductible, this can be the case if you drive little and that your driver's liability contains very few responsible accidents, in the opposite case, pay attention to this amount indicated in the contract.

The best reflex for choosing your car insurance It is still possible to compare offers or to regularly request quotes online in order to renegotiate your rate with your current insurer