Accident: how are material damages other than damage to the car compensated?

Car insurance is mainly used to repair personal injuries and property damage to vehicles during an accident.

Carte grise But it can also compensate you for other types of damage related to the vehicles involved in the accident: cost of the train, towing and babysitting costs, travel costs caused by the unavailability of the vehicle.

Carte grise Cost of the vehicle (now called certificate of registration)

Carte grise If after an accident your car is irreparable, the insurance can reimburse you part of the costs of issuing the

The rate of reimbursement varies according to your level of responsibility for the occurrence of the accident and according to the guarantees provided in your contract.

Carte grise The amount reimbursed is generally equal to the cost of the destroyed vehicle for the remaining period up to 8^e year of registration.

Carte grise Indeed, the cost of the train is considered to be fully amortized over a period of 8 years.

For example, if the accident occurs in the 5th year of registration, the refund will correspond to a period of 3 years.

Towing and guarding costs

The towing and guarding costs shall be borne by the insurer of the person responsible for the accident, in connection with the civil liability guarantee.

These costs can also be covered by your own insurer on the basis of the guarantee damage or the guarantee third collision. In the latter case, your insurance will not intervene if you are considered to be the perpetrator of the material damage suffered by your vehicle.

Travel costs incurred due to vehicle unavailability

Insurance contracts may provide for the cost of the vehicle becoming unavailable as a result of the accident.

If this is the case, your insurer can compensate you for the unavailability of your vehicle. Check the terms of your contract carefully.

Similarly, you may also be compensated by the insurer of the person found responsible for the accident, as part of its civil liability guarantee.

In order to receive this compensation, you will have to prove that you have suffered damage as a result of the unavailability of your vehicle.

The compensation may correspond to a flat rate or the actual cost of renting a replacement vehicle.