Car Insurance: What Is It and How Does It Work?
Car Insurance: What Is It and How Does It Work?
Car insurance or more correctly
RC auto is the civil liability policy that protects the assets of the insured
in the event of damage to third parties in the use of the vehicle.
In Italy in order to legally
take advantage of your car and circulate freely (and therefore legally) it is
necessary by law to stipulate an insurance contract relating to the vehicle in
question. Pursuant to articles 122 and following of the insurance code, the obligation
for the owner of the car to make sure against the risks of civil liability
which the subject to cover, in the agreed limits, the sum payable as damages
involuntarily caused to third parties as a result of accidents generated by the
circulation of the vehicle entered in the automobile policy. By subscribing to
a car insurance, the user accesses economic protection against possible risks
arising from road traffic that cause material damage or injuries to third
parties. In respect of the payment of the premium by the insured person will be
contractual constraint of the insurance company to compensate for any damage
caused to third parties.
It is recommended that you
compare the various car policies to find the cheapest car insurance, both for
the Garazie, and for the price. For this it is important to carry out an
accurate search among the various quotes of car insurance online.
What is the ceiling?
The ceiling is the maximum
amount that the insurance company is obliged to pay in the event of an insurgence
of damage. At the time of signing the RC Auto contract, the insured and the
insurance company will establish in the document the limit amount, within which
the user is always covered. If it happens that the damage or injuries caused by
the insured person is higher than the limit set in the contractual conditions,
he or she must exercise compensation for damages in total autonomy for the
import exceeding the amount indicated. The law stipulates that in the event of
damage to property, the minimum ceiling set corresponds to the sum of
1,000,000.00 euros per claim, regardless of the number of victims, and in the
event of damage to persons, the minimum ceiling set is 5,000,000.00 euro for
the left always regardless of the number of victims.
What does car insurance
cover?
Another key aspect is that the
automobile policy covers only the physical damage caused to passengers who are
present in the car of the insured at the time of the accident; However, it does
not provide a cover for damage that has suffered the driver himself. However,
there are cases expressly indicated in the policy as “exclusions” in which the
insured person, while having to compensate the injured third party, may request
the reimbursement of the amount paid as compensation for damages. Usually the
so-called exclusions are included in contexts where there is no road traffic in
full compliance with certain legislative provisions on this subject. Exclusions
are usually inoperable when, for example, the driver is not allowed to drive in
accordance with the provisions in force; In cases where the number of
passengers transported exceeds the number to which the vehicle is legally
authorised; When the driver is driving in an intoxicating state or under the
influence of drugs, narcotics or psychotropic substances; In cases where the
dolosità of the subject to the guide emerges; In the case of inaccurate or
secretive statements by the contractor or insured in accordance with articles
1892 and 1893 of the Civil Code; In the event of failure to communicate changes
which have caused an aggravation of the risk within the meaning of article 1898
of the Civil Code. In the above-mentioned cases and in all others where the
application of article 144 of the Insurance Code is configurable, the insurance
company has the possibility of exercising the right of revenge for the sums
which it has had to pay to third parties following the unenforceable of
exceptions provided for by that provision of legislation.
1. Theft: The theft guarantee
covers the insured in case of theft of the vehicle or any part of the car. In
the theft guarantee are also included the attempts to burglary thereby the
damage caused accordingly. However, the objects kept inside are not included,
unless expressly stated in the policy. In the theft guarantee there is always
an amount called deductible or found that remains at the expense of the
insured.
2. Fire: The fire guarantee
covers all damage in the case of fire of the vehicle. They are therefore
including fire, lightning, bursts, short circuits and flames from overheating
of the car. Even in the fire are not included the objects stored in the
vehicle. In the fire guarantee there is always an amount called deductible or
found that remains at the expense of the insured.
3. Kasko: The Kasko warranty
covers damage caused by the driver to your vehicle for its own fault. In this
guarantee does not affect the liability, even if the insured is the one who
caused the accident. There are two extensions of the Kasko guarantee: Complete
Kasko that protects all types of damage. The partial Kasko covering only the
claims in which other vehicles are involved.
4. Natural and Atmospheric
events: This warranty covers all damages, partial or total, caused to the
vehicle by natural or atmospheric events.
5. Legal protection: The Legal
protection guarantee covers all legal and expert costs to be supported in case
of any proceedings.
6. Crystals: It is the
guarantee that covers the repair or replacement of the vehicle glass
(windscreen, rear window and side windows). Sometimes the crystals can be
included in the Kasko warranty.
7. Driver’s injuries: this is a
highly recommended guarantee, as it is the only guarantee that covers all the
physical damage suffered by the insured while driving, with or without
responsibility.
8. Roadside assistance:
guarantee of assistance in case the car remains stopped or blocked on the
street. It covers both the costs incurred for the recovery of the vehicle, the
transport to a service center or a workshop. Sometimes it can also provide for
the supply of a replacement vehicle.
Before subscribing to the car
policy:
1. Be very careful when entering all personal
data. In the event of incorrect declarations, the insurance company may be relied
upon on the insured.
2. Read the information booklet carefully
before signing the policy.
3. During the compilation of the data it is
good to keep the following documents at hand: The driving licence, the
registration booklet and the risk certificate.
4. It is advisable not to indicate the
exclusive guide clause. In this case only the subject indicated in the policy
will be able to drive the indicated vehicle.
5. It is advisable to add the waiver to the
revenge: a right of insurance companies, which after paying a certain claim, I
can rely on your insured if there are serious violations of the road code, such
as driving in a state of Jewish or under the influence of narcotic drugs.
6. Check if you can use the Bersani decree:
the possibility of benefiting from a lower merit class.
In which cases can you use it?
– Driver: You can access the
merit class of your family.
– If you buy a vehicle of the
same type as the first one: Keep the same risk class.
RC car insurance is a
compulsory cover for all cars that protect against material or physical damage
caused to third parties in the event of a claim. This is a statutory guarantee,
also known as civil liability vehicles, without which it is not allowed to
circulate on the Italian territory with a motor vehicle. The basic coverage,
which must be subscribed and renewed every year, protects all persons who are
aboard the car insured, except for the driver who caused the accident. The
latter to have an adequate protection must add to the time of conclusion of the
contract the accident guarantee to the driver.
To have a complete coverage
that ensures adequate protection both when you are at the wheel, if, for
example, you leave the machine in the park in an unguarded place, you need to
compose the policy with the so-called ancillary guarantees which, while being
optional, raise the level of protection. These include, among others, legal
protection, driver’s injuries, roadside assistance, license withdrawal. Theft
and fire insurance or natural events ensure, on the other hand, compensation
for damages caused by the car.
When you buy a car policy, in
addition to the ancillary guarantees, it is important to also carefully assess
the amount of the premium, the ceilings within which the insurance is obliged
to compensate for damages, deductibles and exclusion clauses, that is, when the
company cannot guarantee compensation for the damage. It is impossible to
identify the most convenient insurance coverage ever, but you can, and it is
advisable, to find the best policy according to individual needs and driving
habits. To choose your policy, just request a car insurance quote from the
traditional and online companies, or contact an online car policy comparison
service such as gotcargotinsurance.com. The rates are continually updated and
receive an overview that is always current and the widest of the prizes
proposed helps you make a conscious choice and save money.
How to change car
policy
From 1 January 2013 when, with
the BIS Development decree in favor of free competition, the tacit renewal was
abolished, i.e. the automatic extension of the contract for the following year,
it is possible to enter into a new insurance with a company other than the
previous one, without any limit imposed by strict contractual clauses. What
does the absence of tacit renewal mean? When the policy expires, you do not
need to cancel your company or give notice. In order not to remain “uncovered”,
it is sufficient to pay the prize by the time of the policy, when you decide to
change insurer and opt for a more advantageous bid.
Even if you buy a new or used
car, you can evaluate the conclusion of a contract with a new insurance
company, in case you do not want to request the previous insurance company to
transfer the old policy. The risk certificate is valid for 5 years, so even
with the change of vehicle; you will be able to maintain your own merit class.
Before changing policy, the
various offers available on the market must be assessed. The quick and
intuitive comparison of the different rates offered by diamondpockt.blogspot.comallows
you to find the most convenient solution and, if you wish, buy it in a few
steps. The car insurance comparison service is without obligation and free. No
Commission is added to the price of the RC car. That is why the proposed prizes
do not vary or are lower compared to those available on the single company
website. A valuable tool to save money, providing a complete and transparent
picture of the situation of the Italian insurance sector, is constituted by the
car Insurance observatory that diamondpockt.blogspot.commakes available.
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