Auto insurance The use of his personal car

Auto insurance The use of his personal car

    Usually

The driver who regularly uses his car for professional reasons must declare it to his insurer. Generally, the insurance contract will mention a "business" or "professional" use. Know that "home-work" use, which can be provided for in your contract, does not cover business trips.

    Occasional

It may happen that the employee of a company occasionally uses his own vehicle for the purposes of his duties. In this case, he must ensure that his employer has subscribed to a "mission contract" that plays in the event of an accident of the road occurred on this occasion.
The use of the employer vehicle

    The employer is a company or an association

The civil liability of the employer, who puts a vehicle at the disposal of his employee, for professional needs, is covered by his car insurance contract, as well as that of the driver.

    The employer is the individual beneficiary of the service

The employer must warn his insurer that his car will be conducted occasionally by the person he uses.
The use of the vehicle of the individual beneficiary of the service without being the employer

Any driver is assured for the mandatory liability insurance of the vehicle. However, since the vehicle is conducted as part of a person service (on a "expensive"), the individual must declare that use, even occasional, to his insurer.
Compensation in the event of a road accident

That the vehicle used is that of the caregiver, his employer, or the aided family, the compensation for personal injury and material damages depends on the status of the victim (driver or third party), the guarantees of the insurance contract and the responsibilities in the road accident.
Compensation for bodily injury

    The thirds

The vehicle insurer will compensate them under the Civil Liability Guarantee. Passengers have the quality of third parties and will therefore also be compensated.

    The driver

If no other vehicle is involved in the accident and that no individual driver's warranty has been subscribed, the driver will only benefit from the provision of his mandatory social security scheme, either under the accident system of the Work (if it is an accident at work recognized as such by the Social Security Organization), either within the framework of the General Plan (excluding labor accident). In this second case, social security compensation does not cover all costs, it should be ensured that the Auto Insurance Agreement includes an individual driver's warranty.

If the accident involves another vehicle, the driver's compensation will depend on the degree of the fault he could commit.
Compensation for property damage

    The driver is not responsible for the road accident

In this case, the damage will be compensated. Having completed an amicable finding will speed up compensation.

When the head of a road accident is an unknown or uninsured third party, the property damage may under certain conditions be borne by the Mandatory Damage Insurance Guarantee Fund (FGFO).

    The driver is responsible for the road accident

The insurer will compensate the damage if the vehicle's auto insurance policy includes a guarantee collision damage or damage any accidents. Compensation may take place after deduction of a contractual duty if the contract so provides.