Auto insurance, what are the mandatory guarantees?
auto insurance obligation
The law is clear: Any driver of a motor vehicle is required to be able to compensate others if they cause an accident and cause damage or injury. To be sure he can afford it, the law requires him to take out a contract with a licensed insurance company. If the vehicle does not bear the certificate, affixed prominently, it risks severe penalties.
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Summary
Civil liability of drivers
Mandatory auto insurance guarantees
Driving without auto insurance
Civil liability of drivers
Even minimal, a traffic accident can cause very costly property damage. Without forgetting that the victims can also suffer bodily harm, which corresponds to physical and moral harm. The law also requires them to be compensated. This is called "drivers' liability", or more commonly "third party insurance".
It is the law that sets the guarantee amounts. For example, driving without being insured is an offense punishable by a fine of up to € 3,750.
Who is affected by the obligation of automobile or motorcycle insurance?
All natural and legal persons owning or driving a vehicle are affected by the obligation of third-party automobile insurance, as well as any person having custody of the vehicle, including if they are not officially authorized by his owner.
On the other hand, the following are excluded from the insurance obligation:
The passengers of the vehicle;
The professionals responsible for its sale;
Professionals responsible for its troubleshooting, repair or control.
In the event of an accident, the members of the insured's family (or the driver) are considered as third parties, on the same basis as other victims. The same goes for students in driving schools, whether they are in training or taking an exam.
To be fully covered, third party insurance is not sufficient. For this, you can consider the option of all-risk auto insurance, which offers extensive guarantees.
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