Damage not covered by auto insurance
Liability insurance never covers damage suffered by the driver responsible for the accident, whether he owns the vehicle or not. To benefit from this guarantee, he can take out the “driver's bodily injury guarantee” but, in this case, by choice and not by obligation.
As for intentional damage, it is also completely excluded from liability insurance.
Other damage excluded from third party insurance is damage caused:
Persons transported in insufficient security conditions;
To the passengers if they are responsible for the accident;
To passengers transported against payment;
During loading or unloading of the vehicle;
Any object, thing or animal entrusted or rented to the insured or the driver.
Vehicles covered by automobile insurance
Absolutely all "land motor" vehicles are affected by the third party insurance obligation.
What is a motorized land vehicle? According to the law, it is a "self-propelled vehicle intended to travel on the ground and which can be operated by mechanical force without being linked to a railway track".
Here are some examples :
Cars, including prototypes;
Two-wheelers: motorcycle, scooter, etc. ;
Quads, scooters-tricycles;
Trucks, buses, machinery (construction and others);
Trailers or semi-trailers, whether or not not coupled;
Tractors and other agricultural machinery;
Self-propelled tillers and lawn mowers (which include a seat);
Wheelchairs;
Motor scooters and toy cars, if they exceed a certain power.
Every vehicle must be regularly insured, including if it is not moving, in other words if it is parked in the street or in a garage, temporarily or broken down. Indeed, even immobilized they can still cause damage, which will have to be reimbursed.
The geography of the RC driver
Liability insurance covers:
To all the Member States of the European Community;
To third States for which the Member States individually guarantee the settlement of claims occurring in their territory and caused by the circulation of vehicles which are habitually stationed in one of these States.
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