Auto insurance, what compensation in the event of theft?
In the event that your company car or motorcycle is stolen, compensation depends on whether or not it is found within the following month.
Summary
The vehicle is not found within 30 days
The vehicle is found within 30 days
The vehicle is found more than 30 days after the theft
Theft of car keys
The vehicle is not found within 30 days
The insurer offers compensation according to the market value of the vehicle. To collect it, the insured must give him the registration card, a certificate of the administrative status of the vehicle as well as the vehicle keys. Some contracts may provide for a longer period (45 days, for example).
The vehicle is found within 30 days
In this case, the insured is obliged to take it back. However, the insurer must reimburse any repair costs, up to the market value of the vehicle.
The vehicle is found more than 30 days after the theft
In this case, the insurer has already compensated the insured. The latter has two solutions:
Keep the indemnity and do not take back the vehicle;
Pick up your vehicle and return the compensation to the insurer, less any repair costs.
Theft of car keys
Today, the key to a car doesn't just open the doors, the trunk and the gas tank; it is also a real small electronic remote control which is used both to:
Remote control of electronic locking and unlocking;
Activate an electronic anti-theft device: the "transponder";
Activate any immobilizer system;
And, of course, start the car engine, activate the general electrical system and unlock the steering.
Having your key stolen means having to change all of that, and what's more in the manufacturer's network. Indeed, he alone can provide and initialize a new code for the new “locks + key” set. Without forgetting to order a second key from him.
For all these procedures, you will be asked to give the original codes. They are written on the small card that you were given with the car when you bought it. The insurer will have to report the theft to him as soon as possible so that he can quickly authorize the work. Then you will send him the invoice and he will proceed with the reimbursement, less any deductible that may be provided for in the contract.
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