Liability insurance for car, the only auto compulsory insurance

Liability insurance for car, the only auto compulsory insurance

The automobile liability or third party insurance is included in every auto insurance policy since February 1958 (Article L211-1 of the Insurance Code and Article L324-1 of the Highway Code). This is the only mandatory coverage in France.

Do not have a civilian car liability insurance is therefore a crime. Under Article L324-2 of the Highway Code, driving without insurance is liable to a fixed penalty of 500 euros (increased to 400 euros if paid within 15 days or 1 000 if paid after 45 days ). In case of lawsuit, this amount can increase to 3750 euros and be accompanied by a license suspension for at least three years, cancellation of license or confiscation of your car.

If police check, you must be able to demonstrate compliance with this obligation. Therefore, we must stick to your windshield the insurance certificate (green card) that will be given by your insurer on the date of purchase of your contract. Also valid abroad, you should never remove.

What is covered by liability insurance for your car?

Disaster responsible, whatever its severity, the guarantee liability auto insurance supports the personal and property damage you cause to third parties, such as:

    Drivers or other passenger vehicles
    your passengers
    Other road users (pedestrians, cyclists, etc.)
    possibly damaged property owners (another car)

You want to lend your car to another driver? Do not panic ! It will also be covered by your car civil liability insurance for the damage it might cause to third parties.
The limits of the guarantee civil liability car

If the warranty automobile liability corresponds to the minimum legal insurance, it is also the least protective cover. Thus, an insurance policy to third parties does not take over the injury or damage that you or your car may suffer during an official claim. This also explains why it is the least expensive formula.

Moreover, civil liability auto insurance includes disclaimers in particular if:

    Driving without a license
    Driving on a racetrack
    intentional damage
    Transport of dangerous goods

In all these cases, compensation for damages caused to a third party will be entirely your responsibility.

How to be better covered?

The coverage of third-party insurance is very limited, you can buy additional coverage to protect you in case of theft, fire or personal injury and damage suffered by you or your car. These guarantees, albeit optional, are nonetheless essential for good coverage.

But to choose the best options to add to your contract, you need to review your needs, taking into account the model and the value of your car.

One of the simplest ways to find automobile liability with a good price / quality ratio is to compare offers on a car insurance comparison online as lesfurets. This will allow you to compete a wide selection of proposals tailored to your situation in just a few clicks, but also save on your costs and save time on your steps