Auto Civil Liability: Definition
Instructed in 1958, Law No. 58-208 imposes on all drivers of motor vehicle to have insurance comprising at least the automotive liability guarantee. It allows to take charge of personal injury, and material caused to others, by the insured in the case of an accident. On the other hand, this guarantee does not cover the faulty driver. In order to be covered, the insured must take additional guarantees, when subscribing the contract.
What auto insurance includes civil liability?
Auto Civil Liability Insurance is mandatory and therefore automatically integrated into all insurance formulas. The choice of the latter may be made according to other determining criteria. Discover the 3 formulas present in the various auto insurance organizations:
Third party insurance: it includes civil liability, mandatory, and sometimes the driver's warranty and / or legal protection. You can also add other options at the time of subscription.
Insurance at third more: it resumes the guarantees mentioned above, and most often includes the options "Flight and Fire". You can add complementary guarantees, such as ice break, or troubleshooting assistance.
Insurance All Risks: This is the most complete formula. You are assured for personal injury and material damage as a result of an accident, the flight of the vehicle, or the damage resulting from a natural and / or technological catastrophe.
However, read your contract before signing it, because even with all-risk assurance, some guarantees are excluded.
How much does the civil liability guarantee cost?
Auto civil liability is included in all insurance, and by definition even in the cheapest formulas. So, if you are a young driver, use little your vehicle, or have an old car, you will be covered in case of disaster. More commonly called "third party" insurance is the ideal formula if you are looking for civil liability with economic automobile insurance.
Do you need insurance with better support? The "third more" formula offers guarantees adapted to your needs. It remains about 20% cheaper than the most complete formula, and includes interesting options for regular drivers (ice broken, fire, vol).
Do you have a new vehicle or high value? Assurance all risk is indicated. In the event of a disaster, your insurer will be based on its rating at the Argus (its resale price on the market of the occasion) to determine your compensation.
The price of your auto insurance, and therefore of your civil liability, also varies according to different criteria established during the subscription:
The characteristics of the vehicle: power, model, value to nine.
Your place of residence and parking: the area in which you will circulate (urban or rural) affects the price of your insurance.
The use of the vehicle: depending on whether you use your vehicle for private, or professional purposes, affect the price of your annual fee.
The age of the driver: young drivers usually pay a little more expensive their auto insurance.
The number of drivers to ensure: the price is adjusted according to the number of people brought to use the vehicle.
You will certainly understand it, the price of your auto insurance can easily vary depending on your driver profile, and your needs. To give you a more accurate idea of the price of a car liability insurance, here are the rates observed at LesFurets in 2021
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