Car insurance: what to do in case of accident? -When making a small clash

Auto insurance: what to do in case of accident? -When making a small clash

10-05-2012

Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

It is a fact, we can all be facing the road, more or less serious accident, in our journey of motorist. That is why, it is important to know how to respond, both at the time of the accident and subsequently in the steps to take towards its insurer.

Secure the area

You just had a little accident, return collided with another car, without material or physical damage. First clear the roadway in order to not interfere with movement and cause other accidents at the same time.

The settlement observation

In order to ensure a dialogue with the other driver, even if it is at fault, it is important to keep calm. Complete set a common report, which each will keep a copy. If you are not in agreement with the version presented by the other driver, you are not required to sign the contract. On the contrary, if sign you, then it will be more difficult to return to your statements subsequently.

Disagreement: the importance of witnesses

In case of disagreement, take care to obtain the identity of the driver, but also his license plate. Indicate on the statement that you are not in agreement. Ask also around if there were witnesses to the scene, police officer or other, that might support your version of events from your insurer. Don't forget to take the identity and address of the potential witnesses, so that they can be contacted by your auto insurance subsequently.

If you do not report on you, you can specify the circumstances of the accident on plain paper.

The time vis à vis the insurer

In all cases, you have 5 days to send the report to your insurance, after completing the claim contained in the back of your statement. It is recommended to send it by registered letter with acknowledgement of receipt.

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Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

It is a fact, we can all be facing the road, more or less serious accident, in our journey of motorist. That is why, it is important to know how to respond, both at the time of the accident and subsequently in the steps to take towards its insurer.

Secure the area

You just had a little accident, return collided with another car, without material or physical damage. First clear the roadway in order to not interfere with movement and cause other accidents at the same time.

The settlement observation

In order to ensure a dialogue with the other driver, even if it is at fault, it is important to keep calm. Complete set a common report, which each will keep a copy. If you are not in agreement with the version presented by the other driver, you are not required to sign the contract. On the contrary, if sign you, then it will be more difficult to return to your statements subsequently.

Disagreement: the importance of witnesses

In case of disagreement, take care to obtain the identity of the driver, but also his license plate. Indicate on the statement that you are not in agreement. Ask also around if there were witnesses to the scene, police officer or other, that might support your version of events from your insurer. Don't forget to take the identity and address of the potential witnesses, so that they can be contacted by your auto insurance subsequently.

If you do not report on you, you can specify the circumstances of the accident on plain paper.

The time vis à vis the insurer

In all cases, you have 5 days to send the report to your insurance, after completing the claim contained in the back of your statement. It is recommended to send it by registered letter with acknowledgement of receipt.

Auto insurance: the insurance compare, mode d'emploi

At the time of the Internet, comparator of insurance companies have emerged. Practical, they allow you to compare the prices of the insurers, instead of pass, one by one, by each company's website.

Where to find its comparator?

A simple Internet search should lead you to auto insurance comparers. However, you can also choose the comparators offered by specialized sites, be it insurance or car. They usually pass agreements with reliable and efficient companies.

Check the number of insurance companies compared

A comparer that will compare prices between two insurance companies would not really reliable or noteworthy comparator. Also, remember to check in the appropriate topic, the names of insurance compared on the site of the comparator in question. Check that there is the big names like the smaller names of insurance, so that your search has meaning.

Information to be provided

Once these checks is established, you need your driver's license, your Gray card and your last notice of expiration in order to better inform the requested information. They will cover your vehicle, its brand, its model, its power, its date of circulation, his parking place, its daily or occasional use. The comparator will also ask for information to establish your profile. In fact, depending on your age, your gender, the number of years of permit and your driver history, the price of your insurance premium may vary.

The information to compare

Once the data is populated, the comparator will display a comparative table showing the prices offered by different insurance companies. The price should not be your only criterion of choice. Also check the prices of the franchises, the ceilings for compensation, the various clauses and guarantees that could tip the balance to another insurer, a little more expensive, but offering better benefits.

Car insurance: what to do in case of accident? -For serious accidents

Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

Serious accident, it is important to react better and more quickly in order to save lives, yours, your entourage and other motorists.

Secure the area

More serious accidents, if you can not remove the car from the road, it was important to secure the area. Put your reflective yellow vest that will be seen by other motorists. Turn on your hazard lights and ask a triangle more than ten meters from the accident area.

Notify the authorities and rescue

Then tell the nearest RCMP (17), as well as relief (15 or 18, 112 from a mobile phone). In the event of accident, you are required to prevent the faster the authorities, under penalty of prosecution for non assistance to person in danger. Unlike the lighter accidents, it is advise not nothing move, so that an investigation can determine the responsibilities.

Except in the case of danger such as a fire or explosion, do not move the injured, you may aggravate their injuries and cause irreparable damage.

The witnesses

If people are witnesses to the accident and help, remember to take their contact information so that they can later testify in case of disagreement with any other party.

Deadlines

There again, tell your insurer more quickly, before five working days, either through the report that you have been able to meet with the other party, if there is one, by letter. In both cases, it is recommended to send it by registered letter with acknowledgement of receipt.

Comparative car insurance: what you need to know

Compare the price of insurance, but also understand what can sometimes hide behind too attractive prices.

Compare online

With the explosion of the Internet, many drivers pass through the net to compare prices of different auto insurance companies. Easy and convenient, the web allows you to get a first idea on the prices of different insurers, depending on the type of contract offered, whether it is for example a contract said third collision or a contract said all risks.

Request specific quotes

However, it is that first indications. In order to find the contract which correspond, please do not hesitate to go further, including asking a quote more detailed to the companies that caught your attention. The need, once your first list of insurers, please feel free to contact them by phone for more information.

Compare also the ceilings of compensation

If you hesitate between several insurance companies that shows roughly the same rates, you can determine your choice of compensation limits. For example, for the conductive body guarantee a high ceiling is important. This warranty supports your medical expenses, compensation if you can not work, nurses homes if necessary, the redevelopment of your home according to your new way of life. Suffice to say that should be the ceiling high to cover you up accidents.

Also compare the price of franchises

Also compare the price of the franchise. The price of a low insurance premium little sometimes hide high deductibles. In case of disaster, you could find yourself to pay large deductibles.

Compare the type of assistance

Other types of guarantees must also enter into consideration in your selection, the type of assistance. Make sure the terms of assistance, including the odometer franchise.

Car insurance: Pay as you Drive

Pay as you drive: only pay for what you consume!

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The Pay as you drive (PAYD) allows to reduce the amount of your insurance premium by paying only your auto insurance based on your conduct. We will explain below the principle of operation of this new system came from England (see our section and our video on the Pay as you drive).

The pay as you drive: How does it work?

Your insurance sets up an enclosure connected to a GPS on your vehicle. This case goes back 3 types of information: the time at which you take your car, the type of route that you borrow and finally the distance you travel. Your insurance rate is calculated on the basis of the information provided by the box according to your consumption. Every month, your insurance issues an invoice and mobile only with what you consumed

Can what type of economy you achieve?

Generally, this allows to reduce by 30% the average premium of insurance. You get a completely custom pricing since modelled on your way to using your vehicle. The first French insurers have launched deals with this new system valid for individuals but also for companies and their fleet of vehicles. Feel free to enquire using our indicator.

Car insurance: free auto insurance: it is possible?

It is required to insure his car. Is there free insurance? How to make savings by choosing his insurance?

Article L211-1 of the French insurance code requires all drivers to purchase car insurance to circulate their vehicle. This obligation does not suffer any derogation, with the exception of the State given car insurance.

However, while one might think that the compulsory insurance of the vehicle induced free it, it is nothing.

Each insurance company applies its tariffs freely

Taking into account several elements such as the model of the vehicle, its power, the use that you make or the bonus-malus system of the insured, every insurance company freely fixed tariffs.

Moreover, insurers guarantee a risk which, if it occurs, will be covered financially. It is therefore not possible to find a free car insurance, in a market which is also very competitive since there are many.

Flee therefore any advertisement that you could easily find on the Internet inviting you to purchase auto insurance free of charge, on the understanding that such an offer does not exist.

Reduce the price of its auto insurance, it is possible!

On the other hand, it is possible to substantially reduce the price of its vehicle insurance contract. Indeed, as explained above, each insurer freely fixed tariffs, resulting in staggering differences in prices from one company to the other.

Putting competing offers from insurers, you can save on the price of the contract with equivalent guarantees. Thus, in order to obtain a broad panorama of the market offerings, it is recommended to go through a car insurance comparer.

Auto insurance: having the same insurance for the car and the home

Can be the same insurance for his car and his house?

The driver or the owner of a land motor vehicle is obliged to insure it against the damage it could cause to others. The naked a tenant is also required to purchase home insurance.

Often, when it endorsed both, signing separate contracts. However, it is quite possible to have the same insurance for the home and car.

The same insurance for the car and housing, it is possible!

In fact, nothing prevents to combine two insurance into a single. It is an offer that found in many insurers. It is not mandatory to always separate your insurance for your auto insurance, instead. The consolidation of contracts has also some benefits, which basically makes sense: insurance companies have every interest in what their clients entrust to them several contracts instead of one.

Specifically, this is materialized by benefits, often in the form of more attractive prices for the insured. Similarly, from a practical point of view, have a combined insurance limits the number of interlocutors to contact in case of problems. If you need to modify personal information, (for example, following a move), there is only one company to inform.

Must it consolidate its contracts?

However, as always for insurance, we do not choose a random solution. What looks like an El Dorado can be dust in the eyes. If you wish to consolidate its contracts, do not jump on the first offer came. We must be certain that the contract that we match our needs.

For example, before signing, please check that the proposed safeguards are sufficient: all contracts offer the same. Moreover, some discounts on bundled contracts may be only temporary. For one year, are available rates, and then suddenly, we find ourselves to pay the normal price.