ARE ALL PEOPLE TRAVELLING IN A CAR LOCKED?

ARE ALL PEOPLE TRAVELLING IN A CAR LOCKED?

We are so accustomed to speak of compulsory insurance and use public services that we don't stop to think if everything is actually covered. In the case of car insurance, specifically is important to know what each insurance covers and check the additional coverages.

COVERAGE WHEN THE ACCIDENT IS THE RESPONSIBILITY OF A THIRD PARTY

If the accident is the fault of a third party, both the driver and the companions are covered by the liability insurance of the cause of the accident, i.e. the insurance of the other.

In the event that the other had no insurance or were unknown or stolen car, the Consorcio de Compensación de Seguros would take care of the compensation.

RESPONSIBLE FOR ACCIDENT COVERAGE

Very important coverage that all car insurance should buy, is the insurance of the driver, who covers the damages that can occur the driver of a vehicle of which he himself responsible for. At this point it must be clarified that it is very important to declare all occasional drivers to avoid problems and check the conditions when the accident an undeclared driver suffers it.

As for the occupants of the vehicle in case of accident, they would be covered by the insurance of civil liability of vehicle, in this case, the fault for the accident.

AMOUNT OF COMPENSATION

Those who are entitled to claim a compensation for traffic accident will receive the amount stipulated by the scale of compensation in traffic accidents. As we have seen, these compensation pay the insurance company responsible for the accident vehicle or, where appropriate, the Consorcio de Compensación de Seguros.

LIABILITY INSURANCE HAS LIMITED COVERAGE

If the culprit is self, the only liability insurance takes care of the injury suffering from occupants of the damaged vehicle, but not damage the vehicle or objects carrying, even if they are from a third party. It does not cover other assets that may be affected in the accident if they are owned by the driver, the policyholder, the owner of the vehicle and the driver, as well as those belonging to the spouse or relatives up to the third degree of consanguinity.

In addition, civil liability insurance does not cover damage caused by its own account if it's a stolen or uninsured vehicle.