Indispensable coverage in car insurance

Civil liability is the only coverage that all vehicles must have, obligatorily.
Travel assistance, driver’s insurance or legal defence are coverages that it is highly recommended to count on.
Hiring car insurance can be a headache for more than one person. It is not always easy to choose the right type of insurance. Third Party or Comprehensive Insurance? Covered by glass, fire and theft or only civil liability? Those who will be taking out a policy of this kind for the first time are probably unsure of what is included in each coverage, and most importantly, the costs that may result from not having adequate coverage.

Obligatory civil liability
Civil liability coverage is mandatory for all motor vehicles. Civil liability (CR) covers damage caused by the driver or the vehicle to third parties or objects, which can be quite expensive.

Driver’s insurance
Driver’s insurance coverage is not mandatory, however, its importance makes it almost always included in most car insurance, from Third Party to All Risk. In the event of an accident, this coverage covers the personal damage suffered by the driver who caused the accident. These would include compensation for permanent physical damage, death compensation, medical and pharmaceutical expenses and other related expenses. These situations are only covered by the driver’s insurance coverage and not by CR, as many think. This only covers damages caused by the driver to third parties and not his own.

Road and travel assistance
Road assistance is another one of the coverages that cannot be missing in the car insurance. It is particularly useful in the event of a breakdown or accident in the middle of the road, but it also applies if the vehicle is parked and cannot be started, for example. Thus, if the driver is unable to undertake or continue his journey due to engine overheating or a puncture on a wheel, the insurance company will send a crane to the place where they are to assist both the vehicle and the passengers.

Vehicle assistance means repairing the vehicle on site, or collecting and transporting it to a workshop. As far as passengers are concerned, it usually covers the return home or arrival at their destination by alternative means of transport if the vehicle is unable to continue the journey. In addition, if necessary, the insurer would also be responsible for providing medical assistance, accommodation or maintenance for the insured person and the persons travelling with him/her.

Legal defence and claim for damages
This coverage is usually included in all car insurance, even the most basic. The fact is that in the event of an accident, the insured person has legal support both for claiming damages and for his own defence, without having to assume the high costs that they usually have. Thus, this coverage usually includes attorney’s fees, fees, court costs and notary fees, among others.

Moons
Although a priori it may not seem so, the coverage of moons can be very useful. A very important situation is that when driving with your vehicle, a small stone hits the front window and causes a small break. For safety reasons, even if the moon does not break, it is advisable to repair this damage, something that would be covered by insurance in case of having the glass coverage. The latter is responsible for repairing the damages of the windscreens, or the total loss thereof, provided that the cause has been instantaneous, violent and independent of the driver’s or insured’s will.

Theft
One of the fears every car owner may have is that it will be stolen, especially if it’s a new car. If this situation were to occur and the owner had not insured his car with theft cover, he would not get any compensation and would lose all the money invested in it. In addition, this cover also compensates the insured person in the event of damage to his or her vehicle caused by an attempted theft, such as in the event of a forced lock or broken window.

When Auto Insurance is Not Covered

There are situations in which auto insurance does not take care of a claim even if it is in your coverage.
Casualties, carelessness and some fortuitous circumstances are the most common causes.

When it comes time to protect a car, coverage is determined by the type of insurance chosen: third parties, all risks… However, there are claims that the policy will probably not cover.

Whether due to negligence, carelessness or mere misfortune, there are a number of circumstances in which insurance companies may refuse to pay compensation after a loss. These are the most outstanding:

Fortuitous circumstances
Sometimes there is a succession of coincidences that, unfortunately, will make the insurance companies not take charge in the event of a claim. These are inevitable coincidences, which together cause some of the most common circumstances in which the client is discovered.

In the event of an accident against a family member, the insurer may refuse to cover the costs.

Accident against a family member
In the event of an accident against a relative (up to third degree of consanguinity), the insurer may refuse to cover the costs. There is generally a tendency to think of it as a possible fraud and therefore the party responsible for the accident will have to bear all costs arising from the incident.

Children under 25 not included in the policy
If the person responsible for an accident is a minor under 25 years of age or a driver who is less than 5 years old, and in neither case is included as an occasional driver, the policyholder would have to pay for the damage caused to third parties. For these cases there are special policies for new drivers with which they are covered in the event of an accident.

Natural disasters and terrorism
In the event of damage caused by meteorological problems, military operations (in peacetime) or terrorist acts, even if the insurance companies do not bear the costs, the Insurance Compensation Consortium will do so.

Although this is a very unknown figure, the Consortium of Insurance Compensation is a public body at the service of the Spanish insurance sector and is fully integrated in it. It is responsible for compensating those cases that are not covered by the market, such as those mentioned above, that is, damages caused by violent acts such as terrorism or by actions of the Armed Forces without being in time of war, among others.

Neglect
A mere misunderstanding can have more serious consequences than it may initially appear. Carelessness with the dates of the ITV or a simple forgetfulness can cause insurers to disregard the corresponding compensation.

Theft of the vehicle with keys on it
Leaving the car with the keys on or with any active system inside that allows the vehicle to open or operate the interior and that it is stolen, will not be covered by the insurance. In these cases it becomes theft rather than theft, since it has been triggered by gross negligence on the part of the driver.

Theft of personal property
Usually, most insurance companies do not pay for the theft of items inside a car, such as keys, sunglasses, laptop or mobile phone, unless these are previously declared in the policy as extra accessories.

Driving without ITV or license
Not having up-to-date Technical Inspection of Vehicles (ITV) and being the cause of an accident, will not only make the insurer not be financially responsible for the expenses arising from the event, but also expose the driver to the corresponding financial penalty.

Unapproved tuned vehicle
Tuning can cause problems at the time of an accident. Having a tuned car insurance does not guarantee that all items that have been added will be covered by the insurance company. Only those which have been approved and whose modification has previously been communicated to the insurance company will be approved.

Roadside assistance on roads unfit for traffic
Riding on unpaved dirt roads carries the risk that, in the event of a need for roadside assistance, insurers are not obliged to provide it. There are Auto insurance policies with conditions specially designed for off-road vehicles that can travel on rural roads and want to be covered.

Casualties
Some accidents are due to carelessness on the part of the driver. In these cases, not only will the insurance companies not cover the costs incurred, but also the driver will have to face a fine.

Impudence at the wheel can have very serious consequences, in addition to appropriate sanctions

Driving under the influence of alcohol or drugs
Being under the influence of alcohol or drugs is another reason why insurers will not be liable for the costs of damage to third parties. In addition to this, the driver will have to deal with the corresponding penalties for this type of situation caused by the consumption of certain substances at the wheel.

Participation in illegal racing
Participating in illegal races inside or outside a circuit will also make the insurance company bear no costs if necessary. It will be the driver of the vehicle himself who will have to take care of both the damages caused to third parties.

Omission of the duty of relief
Another reason why the insured person will not receive financial aid is the failure to help the other victims involved in the accident. In such cases, it will also have to face the corresponding legal sanction, since it is a criminal offence.

Carrying more passengers or more cargo than permitted
Carrying more passengers in the car than permitted or more cargo is not only a crime and the driver will have to pay the corresponding fine, but also in the event of an accident the insurance company will not pay the costs to third parties.

¿Qué es más peligroso, conducir borracho o con resaca?

Under the effects of a hangover, the difficulty in driving is twice as great.
While there is a growing awareness of the dangers and risks involved in driving under the influence of alcohol and illegal drugs, both elements are still present in many road traffic accidents on national roads. According to information from the Directorate General of Traffic, 12 out of every 100 drivers are put behind the wheel after drinking or using illegal drugs and 50% of fatal accidents involved alcohol. The problem is that drivers are unaware that the effects do not end with ingestion, but extend into the next day when the dreaded hangover appears. Driving in this state makes driving much worse than in normal conditions and, moreover, quadruples the risk of an accident.

The effects of alcohol
The IVANE detoxification center conducted research from which it extracted that drinking a dose of alcohol less than a glass does not influence driving. However, he warned that this is the limit because the effects begin to be noticeable after that first drink. Not only does it influence your ability to drive, it also reduces reflexes and concentration.

Excessive alcohol causes various changes in the driver’s behavior, such as difficulty in making decisions and increasing reaction time, as well as false self-confidence. The inevitable consequence of this is the assumption of many more risks, the increase in impulsive behaviour and the reduction of liability at the wheel. Physically, its influence is also observed because it causes motor alterations and impairs mental reflexes and, for example, calculating speed is more complex. In addition, eye movements slow down, the field of vision is reduced and eye fatigue increases.

Exceeding the limits therefore impacts on different cognitive and behavioural areas. As a result, the driver experiences difficulty attending to two sources of information, maintaining the level of attention needed at the wheel, or coordinating movements. And don’t forget that under the influence of alcohol and when you’re hung over, the driver is not aware that his or her abilities have diminished considerably and this makes it a serious threat to road safety.

The day after: Driving with a hangover
After a night of excesses and even though alcohol has been removed from the body, its effects can still be felt during the day afterward because of the hangover. Not only is it possible to cause a positive BAC test, there are also symptoms such as thirst, headache, tremors, fatigue or nausea that affect both the driver’s physical condition and his or her driving style. Not for nothing, driving can be 4 times worse than under normal conditions.

Authorities even compare it to the users who use their mobile phones when driving, pointing out that at least the person is aware of the risk he or she is taking when paying attention to the phone. A gesture that multiplies by 4 the risk of suffering an accident; the same probability that the Spanish Society of Neurology (SEN) pointed out in a study on the effects of the hangover when driving.

The consequences of lack of sleep and fatigue affect both the ability to react and concentration. Its symptoms are comparable to those of fatigue and even excessive alcohol consumption. For example, traffic light violations and stop signs are multiplied by 2 and driving seems twice as complicated. From Keele University (UK) they stress that hungover drivers often don’t realize how their abilities are impaired at the wheel.

As a result of this, Brunel University (London) wanted to go further and carried out an analysis of driving behaviour before and after drinking alcohol. With several volunteer students as protagonists, they used driving simulators in which they were tested under normal conditions and when they were hungover, i. e. 7 hours after exceeding legal alcohol limits. The results leave no room for doubt: they drove 15 km/h faster, invaded the opposing lane 4 times faster and committed more than twice as many offences. This, together with the fact that their reflexes are quite impaired, poses an almost similar danger to driving under the influence of alcohol.

Driving with a hangover is dangerous
Be that as it may, it is not a good idea to drive under the influence of alcohol or when the effects of alcohol still manifest themselves as a hangover. This is one of the worst enemies of driving. Not in vain, it endangers both the driver’s own life and that of the driver.

7 tips for taking out car insurance

Having a car involves many expenses: maintenance, road tax, repairs, parking expenses… and of course, car insurance. In Spain, by law, all vehicles must have insurance that covers at least mandatory civil liability, which takes care of any damage that may be caused to third parties. However, there is a wide variety of car insurance policies on the market from which you can choose more or less coverages, and at a higher or lower price. Here are some things to consider before deciding on a specific policy.

Cancel your previous insurance one month in advance
If you have found a car insurance policy that is more suitable for you and you want to cancel your previous one, you must notify your insurer one month before the end of your contract, according to the Insurance Contract Law. If you do not notify us in advance, your current insurance will be automatically renewed. The best way to do this is to send a written statement to the company by telegram, bureaufax or traditional mail. In this way you will avoid later problems if the company claims that you did not communicate with the necessary time.

Adjust the coverage to your needs
The type of insurance, as well as the coverages to be taken out are the most important factor when choosing a Car policy, over and above the price. It is not a question of having the best ones, but of choosing the most appropriate ones in each case. For example, for new cars up to 3 years old, it is advisable to take out an all-risk insurance policy, as it has its own damage cover. In this way, if the vehicle suffers any damage, such as rubbing against a column when parking, the insurance company will assume the cost of repairing the damage. In addition, in the event of total loss, the compensation usually corresponds to the new value of the vehicle. On the other hand, in the case of cars more than 3 years old, it is usually more advisable to take out an insurance policy with Extended Third Parties, or even a basic one, since the value of the vehicle is considerably reduced once that period has elapsed since it was purchased. In any case, you may qualify for complementary cover depending on the risk you face. For example, if your vehicle sleeps on the street, it is recommended that you hire theft coverage, while if you do so in a private garage, you can save that coverage. Consider your specific situation to choose the coverages you need, without hiring more than necessary. </li>

Check coverage limits
In addition to the coverages that you have decided to take out, it is very important that you look at the limit that each one has. One that can cause some problems is roadside assistance. Although most insurers offer this coverage from kilometer 0, there are others that can establish a minimum distance from home to provide this service, so if you suffer a breakdown 5 kilometers from your home, it is likely that this incidence is not covered by your policy. Another example may be compensation in case of total loss of the vehicle. Some insurers may offer you compensation for the market value of the vehicle, while others do so for the new value, which can make a difference of hundreds of euros. Pay attention to these aspects in the specific conditions of each policy to be aware of the specific coverage you have in each case.

All parts count
Road safety comes first and that’s why you should pay close attention when driving your car. Also, it’s important to know that the more parts you give to insurance, the more expensive your policy will be the following year. In this way, if in one year you have given two parts, for example for a rear impact and a broken glass, the following year the insurer will penalize you by increasing your premium or not applying bonuses, even if the claims did not occur because of you.

with or without franchise?
If you want to save some money on your insurance premium, you have the option of taking out an insurance policy with excess. This implies that if, for example, you take out a policy with a $500 deductible, in the event of a loss you will have to pay for the expenses incurred up to that limit ($500) and the rest will be borne by the insurer. In return, the premium payable will be lower than if the policy had no franchise. The insurance policies that are most often “franchised” are the All Risks, since they are those that have the most expensive coverages, such as own damages. However, third-party insurance can also include coverage with excess cover, such as theft, although this is very unusual. In this way, it is possible to pay less for the insurance premium, while at the same time being protected in the event of a high-cost claim.

The single payment, the cheapest option
When it comes to paying for insurance, most companies give you the option of paying a one-time or installment payment, which can be monthly, quarterly or semi-annual. If it’s possible, pay it all at once, since it’s usually the cheapest option, and even some companies offer discounts if you pay the fee in a single payment. Conversely, some insurers may charge surcharges if you decide to pay the premium in different installments, and the more you split the premium, the higher the surcharge is usually.

Compare
The current car insurance offer is very numerous, so numerous that sometimes finding a policy can be very complicated. Comparing prices and coverages and choosing the right insurance can involve a long and difficult search if you don’t have the right tools.