Precautions for insurance

Precautions for insurance
You go through a rental company between individuals

Car rental companies between individuals, accessible on the Internet, provide the vehicles for the duration of their rental.

Whether you own or tenant, it is important to inform you about the insurance proposed by the company:

    Does it cover all unconductors (seniority of the license, experience and history of the driver, ...)?
    Does it cover the vehicles without conditions (mileage, age of the car, use of the car ...)?
    Does it include a warranty of assistance in case of breakdown or accident?

Most often, intermediaries of car rental between individuals offer damage insurance all accidents. In addition to the obligatory liability guarantee, the insurer covers the property damage of the vehicle, the risk of fire and theft. Compensation ceilings and franchise, the amount of which is in charge of the driver are generally planned. This insurance allows the owner of the vehicle to keep his bonus if the person who has rented his car is responsible for an accident.

The driver of the car

In any case, any driver must drive with papers in good standing.

Indeed, in the event of an accident, if the responsible driver does not have the age required or the appropriate permit, the insurer may refuse to take care of the damage suffered by the vehicle and the driver.
You rent from particular to individual without going through an intermediary

Before you start in the car rental direct by owners, you have to take some precautions for insurance. Whether you own or tenant, it is important to check the following:

    Does the auto contract allow the use of the vehicle for commercial purposes? It should be known that this is rarely the case in the auto insurance contracts.
    What are the declared drivers? Some insurance contracts are accompanied by an exclusive conduct clause that commits the insured person declared to the contract to be the only driver of the vehicle. In this case, in the event of an accident caused by a driver who is not that declared to the contract, a plusive franchise may remain at the expense of the insured.
    In addition to the obligatory civil liability guarantee, the property damage of the vehicle, the risk of fire and theft are covered? Can an assist guarantee play in case of breakdown? ...

If you are the owner of the car, contact your insurer to study these points with him and adapt your contract in order to put your car for rent. It should also be known that your responsibility is not engaged in the event of a traffic accident caused by the fault of the person who rents and conducts the vehicle. On the other hand, if the driver's responsibility was retained during an accident, a penalty could be applied to the vehicle insurance contract.

If you want to rent a car, it is important to ask the owner to provide you with an insurance certificate that specifies these different elements.

To note :

In general, if the use of the car does not comply with what has been provided for in the vehicle insurance contract, in the event of an accident the consequences can be heavy for the insured: the allowances due to The insured will be reduced and the insurer may invoke the invalidity of the contract in case of proven bad faith of the insured.
The rules of compensation in the event of an accident
The accident statement

You have passed through an intermediary to rent your vehicle: check with this intermediary for the steps to perform in case of accident.

You are not gone through an intermediary: it is the owner who must declare to his insurer the damage to the car. It still belongs to the driver to complete the parties of the amicable finding on the circumstances of the accident as well as box 9 in which he indicates his contact details.
The compensation

Whether you are passed through or not, the property damage suffered by the vehicle are reimbursed according to the established responsibilities (the respective faults of drivers) and the guarantees of the contract.

If the driver of the vehicle is faulty or solely in question and that the contract does not have any guarantees damage to the vehicle (damage any accident or collision damage), the insurer does not support the hardware damage of the vehicle.

Passenger body damages are fully compensated for the mandatory liability warranty.

On the other hand, if the totally faulty driver is injured in the accident, his personal injury may be compensated on the condition that the insurance contract has a warranty covering the apparatus