WHAT IS THE COVERAGE OF INSURANCE OF THE DRIVER?

WHAT IS THE COVERAGE OF INSURANCE OF THE DRIVER?

Driver insurance is one of the most important coverage that should buy with car insurance. This coverage is included in the car all-risk insurance, but also you can hire additional way to expanded third-party insurance unless you suppose an important additional expenditure.

Driver insurance covers damages suffered by the conduit of a vehicle if you have a serious accident that has not been borne by a third party, i.e., of which he is himself responsible for.

With this coverage, the driver will receive compensation in case of injury that can cause temporary or permanent disability. In case of death, will be family members who receive such compensation. This insurance also covers health care and medical expenses. Some companies also cover pharmaceutical costs and include compensation of the expenses of the passenger.

HOW TO ASSESS THE COVERAGE OF INSURANCE OF THE DRIVER

Not all insurance of the driver included in the policies are the same, as it happens with all the toppings. It is therefore important that you review the conditions and the amount of compensation. In general, insurers offer the option to change the capital insured - with their corresponding increase in policy, obviously-.

However, it is important to compare well and check prices, since you can find cases in which the difference in the insured capital is abysmal, without for that reason a scandalous price difference. In this sense, can find forks from insured capitals ranging from the 6,000 to more than 12o.000 euros in compensation for death, for example. 

The same applies to compensation for permanent disability, that can reach nearly 200,000 euro in some companies, while others offer only 6,000 euros; or health care, which can have a spending cap or not, as well as duration of provision of services ranging from a year to three.

You also have to assess whether pay more you compensate or not, in the event that already have contracted other insurance that include these coverages, such as life insurance or health insurance.

WHO IS COVERED BY THE INSURANCE OF THE DRIVER?

Driver insurance, generally covers the main driver and occasional drivers, provided they are declared as such. At this point, it is very important that you check the condition of the policy or that you ask your mediator of insurance. You can find more information about this topic in the article is necessary

WHAT HAPPENS WITH THE ESCORTS?

The escort you don't have to worry about what coverage is concerned, since expenses insurance of civil liability of the vehicle is occupied. In any case, it is worth check the conditions where, along with the problems that we we in the previous point, the driver is not covered by car insurance for any reason.

The article covers the insurance costs of an accident when the driver is not the insured? It will give you more information on this topic.