Auto insurance, how to be compensated?

Auto insurance, how to be compensated?
pro auto insurance compensation

After a traffic accident, each driver's insurers contact each other and assess their client's responsibilities, taking into account the amicable report they have received. This is the case if the car is covered within the professional framework or the particular framework.
Compensation for material damage

The principle is as follows: the insured is compensated in full when he is not responsible for the accident, partially in the event of shared responsibility, not at all if the responsibility is total.

If your insurance company or mutual insurance company adheres to the agreement for direct compensation of the insured and recourse between automobile insurance companies (Irsa which means “Compensation for the settlement of automobile claims”), it is itself who you will compensate directly, in place of the responsible insurer. The Irsa convention is applicable in most accidents.
Compensation according to the guarantees provided for in the contract
Liability insurance ("third party")
Liability in the accident Compensation for material damage to the insured Penalty coefficient
The insured is not responsible for the accident. Full support
damage suffered by the insured, without excess. No.
The insured is
responsible. No reimbursement for damages suffered by the insured. Yes.
Harms shared between the insured and the other driver. Partial coverage of damage suffered by the insured. Yes.
Person in charge not identified (possible intervention of the FGAO). No reimbursement for damages suffered by the insured. No.
Collision damage insurance, all accidents, all risks
Liability in the accident Compensation for material damage to the insured Malus coefficient
The insured is not responsible for the accident. Full coverage of damage suffered by the insured, without excess. No.
The insured is
responsible. Full coverage of the damage suffered by the insured, after application of the deductible provided for in the contract. Yes.
Harms shared between the insured and the other driver. Full coverage of damage suffered by the insured, without excess (unless the contract provides for one). Yes.
Responsible not identified. Full coverage of the damage suffered by the insured, after application of the deductible provided for in the contract. No, if the vehicle was parked and the glass was broken.
Assessment of repairs

To pay for the repair of the damaged vehicle, insurers have two options, provided for in the insurance contract:

    If the damage declared by the insured is not very significant, that is to say less than an amount entered in the contract (for example € 1,500), the insurer authorizes his client to have his vehicle repaired and to him send the invoice, which he will reimburse;
    If the damage declared by the insured is much greater, the insurer will need to assess for itself whether the vehicle is repairable and for what amount.

In the second case, the insurer will appoint an automotive expert. To do this, he asks the insured to drop off his vehicle in a garage approved by his company. In the week or fortnight following the accident, the expert then examines it and establishes the amount of damage reimbursed by the insurer.

In addition, if during his expertise mission the expert discovers deficiencies, lack of conformity of the vehicle or an unapproved accessory, likely to endanger the driver or other people, he must inform the owner. of the vehicle without delay (article R. 326-2 of the Highway Code).

As much as possible, try to find out what day the expert is, so that you can be present when they come, so that they can answer their questions precisely if they have any. Either way, they'll send you a copy of the report they'll give to the insurer.

In the event of disagreement on the conclusions of the expert opinion, the insured may call on an expert of his choice to carry out a second opinion, but this time at his own expense. If the second expert disputes the conclusions of the first, a third expert can intervene to arbitrate. And, for the latter, the insurer and the insured share the payment of the costs of his appointment and his fees.