Collision Damage Insurance Auto Insurance
After the driver’s liability insurance, mandatory, collision damage coverage is the first level of voluntary insurance of a vehicle. For small budgets, it is very interesting.
collision damage insurance warranty:
Collision damage coverage is the first option a driver can choose to take out under his auto insurance policy. It is interesting because for a few euros more per month:
– it covers the damage suffered by its own vehicle, if one is responsible or co-responsible for an accident,
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There are several good reasons to have a soundbar.
– if the car is new or almost, the damage it may suffer will be borne by the insurance. A real plus for small budgets.
However, the cover is still not unlimited. It only works in the event of a collision with a well-identified third party, that is to say:
– another vehicle,
– a cyclist,
– a pedestrian,
– an animal, if its owner is known.
When the third party is not identified
With collision damage Insurance coverage, the insured is never compensated if:
– hitting a wild animal or whose owner is unknown.
In all these cases, bodily injury as the material will remain the sole responsibility of the unfortunate driver.
Note: Collision damage insurance does not cover damage to goods and objects carried in the vehicle. To cover them, you have to take out a more advantageous contract. If you are interested in a larger cover, ask your auto insurance broker for details.
Damage Collision or Damage All Accidents?
Care must be taken not to confuse collision damage with damage to all risks or all-risk damage (itself not to be confused with all-risk insurance, the maximum coverage of auto insurance contracts).