when should you use your car insurance?

when should you use your car insurance?

In some cases, especially when the damage is minor, some drivers prefer not to file a claim with their car insurance. Is that a good idea?

If you have an accident, or if you encounter a minor loss such as vandalism or a collision, you may wonder if it is necessary to report this loss in order to claim your car insurance.

Even if you are insured against all risks and you have a bonus, if you declare superficial damage to your insurer, you risk suffering a penalty which can increase the price of your car insurance.

Car insurance: what does the law say?

According to’article L113-2 of the Insurance Actmust the insured “notify the insurance company as soon as he becomes aware of it and at the latest within the period specified in the contract, of any loss that may entail the insurer’s guarantee”.

To declare a creepy is therefore one legal obligation, which is part of your car insurance coverage, but there are exceptions. For example, if you are third-party insured, certain damages are not covered: for example, vandalism is very often excluded from “third-party” insurance contracts.

Make a claim on your insurance: what does it cost?

Car insurance makes it possible to have a damage repaired financially, but don’t forget that an insurance company will record all the events of your life as a driver in a file: your damages will therefore appear on a information report, document that you must present when changing insurance. With high damage, you risk staying canceled by your insurance companyand also being rejected by another insurance company if you want to switch.

When you have one liability for damageswill you suffer a punishment that will affect your reduction/addition coefficient : this allows you to define the price of your car insurance, which can increase if you have a fine. In addition, in case of injury, you must often pay a deductible to have the repairs covered by your car insurance.

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Car insurance: when should you use your car insurance?

All these financial limitations must be taken into account before you decide to “play your insurance” in the event of a problem: in fact, a possible penalty and the size of the deductible is a cost that must be assumed, which can be higher than a small repair.

In the event of an accident, it is recommended in all cases tomake a statement, even if you decide not to report the accident to the insurance: this will make it possible to determine everyone’s responsibility. Once in the garage, it is necessary toestimate the costs financial damages that need to be repaired, and this is especially the case if you have damaged your car yourself or if you have been the victim of vandalism without an identified third party. With the mechanic’s assessment in hand, you can then decide whether you want to use your insurance or not, by mutual agreement with the counterparty, e.g. a minor collision.


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