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Car insurance: what is the liability guarantee?

Verified 23 July 2019 - Directorate for Legal and Administrative Information (Prime Minister)

Civil liability corresponds to the obligation to make reparation for personal and material damage caused to others. Such damage may result, for example, from recklessness. You can purchase liability insurance. The insurance then takes care of the compensation for the damage you have caused.

The civil liability guarantee underwritten with your car insurance covers in particular damages to third parties:

  • caused by you or by a person living with you (children, cohabiting partner, spouse....)
  • with your vehicle.

Some damages are not covered by the warranty. This includes damage:

  • that you cause to yourself or to your loved ones,
  • or that you intentionally cause to others,
  • or that is consequential to your professional activities (special insurance).

If you find yourself in one of these situations, you will personally repair the damage.

However, some of these exclusions may be subject to a specific contract. So, for example, with a driver guarantee, you also guarantee the damage you can personally do to yourself if you are responsible for the accident.

FYI  

in the event of an accident, your loved ones who are in the vehicle as passengers will still be compensated by the insurance company for the damage they have suffered.

This warranty is included in mandatory guarantees every owner of a vehicle must subscribe. These guarantees are provided in the minimum coverage contract commonly referred to as third party..

You can subscribe to a specific insurance, civil liability, if you want to be guaranteed outside of your vehicle.

Where to subscribe?

You can purchase an insurance contract from an insurer. They can also offer you insurance civil liability..

Checkpoints to the Contract

Contracts may have different guarantees.

Before signing the contract, check certain points, including:

  • persons in the household who are guaranteed,
  • any deductibles,
  • the limits of the guarantees provided (exclusions, ceilings...).

You can also ask your insurance company for extended warranties.