The Life Accident Guarantee

 The Life Accident Guarantee

fall from ladder, temporary incapacity Accidental fall or injury during DIY work, bodily injury in the kitchen, such as a burn or cut, an injury during your vacation, all of these private life events that we rarely think about but which can occur unexpectedly.

The accident of life guarantee (GAV) gives the subscriber the possibility of protecting himself and his family against accidents of everyday life, whether at home, at school or during leisure time. By subscribing to this type of insurance, the insured will be reimbursed up to the amount of the damage to which he is the victim, whether he is himself responsible for the cause of the accident, or that the responsibility for the accident cannot be. established, or that the liability is attributable to a third party. This provident insurance contract, which can be of great help in an emergency situation, will cover you in the event of death, cosmetic damage or permanent disability.

This particular guarantee, launched in 2001 by the FSSA, is now offered by many insurers. Accident insurance contracts offering certain minimum guarantees as well as a compensation ceiling of at least one million euros benefit from a GAV label.
Good reasons to take out life accident insurance

    If you are solely responsible for the loss (which is most likely in activities such as DIY or gardening), you will not be able to use third party liability insurance for compensation.
    In the case of accidents of daily life, you will not be able to use the civil liability guarantee of your comprehensive home insurance either, because it only covers damage caused to others and not to yourself or your family.
    Social security and complementary health insurance do not cover cosmetic injuries and moral prejudices.

Risks covered and not covered by GAV labeled formulas

School accidents and domestic accidents such as cuts, burns, falls, poisoning are covered by GAV-labeled formulas. If, for example, you burn yourself while ironing or cooking, or if you mutilate a part of your body during DIY or gardening, you may be compensated.

The GAV-labeled formulas also cover accidents during travel or during leisure time, such as a fall from a bicycle or an injury during the practice of team or individual sport. It is important to specify here that variable conditions exist according to the insurers. Thus, certain sports may be excluded from coverage. Insurance for travel accidents outside France must cover countries that are members of the European Economic Area, although some insurers extend their coverage beyond this area.

Cover for natural disasters, attacks and attacks is also compulsorily included in the labeled formulas. If, for example, you, your partner or your family suffer bodily injuries as a result of a flood, you may be compensated, although this component is also included in your home insurance.

Damage caused by improper surgery, as well as inappropriate medical treatment causing physical and mental deterioration are part of the coverage obligations of GAV insurance, while mutual health insurance only covers medical costs. Compensation is paid following an investigation by an independent expert.

Other types of accidents that may be covered by different insurers include occupational injuries for craftsmen and the liberal professions.

The GAV does not cover all types of accidents that may occur in everyday life. Thus, road accident coverage is excluded, as a traffic accident is covered by vehicle insurance. As well as work accidents, which have their own coverage plan, in particular through Social Security, the individual or collective insurance contract and the employer. Depending on the insurer, other damages can also be excluded, in particular accidents linked to the practice of certain sports considered dangerous or risky.
Who can take out GAV insurance?

Insurers generally offer at least two formulas, which differ according to the number of people included in the coverage. The individual formula is applicable only to the person signing the insurance contract. The “family guarantee” can include, in a limited number, the spouse and children, real family protection.

Generally, individuals between the ages of 18 and 65 can subscribe to GAV. Some insurers extend the