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Recently updated on November 24, 2023 at 04:47 am
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Motor vehicle liability insurance is mandatory. The price of a policy depends on many different factors such as occupation, age, place of residence or the car. In addition, the price is also influenced by the respective insurer and their tariffs. If the customer considers a few important aspects before taking out the insurance, there is great potential for savings.
Make sure you have sufficient coverage
If you are taking out car insurance for the first time or want to switch insurance providers, you should pay attention to one key aspect of the contract: the amount insured. Since it comes into play, for example, when a car driver injures another person through an accident, it must be sufficient if the worst comes to the worst. After the accident, the person who caused the accident has to pay for financial consequential costs such as hospital costs or a lifelong pension. If the sum insured is not sufficient in such a case, it can mean financial ruin for the person who caused the accident. Car insurance with sufficient coverage is therefore an absolute must. Interested parties compare providers of Car insurance at tarifcheck.de. The comparison portal helps customers to save money and impresses with its high quality and service standards.
But what is the minimum amount of coverage? In the case of personal injury, a reimbursement of 7,5 million euros is provided for by law. In the case of property damage, on the other hand, 1,12 million euros are provided and 50.000 euros for financial losses. Anyone who takes out motor vehicle liability insurance with a normal tariff can usually assume that the reimbursement is limited to the legally prescribed sums. If the costs exceed these amounts, the insured person must bear them themselves. The maximum amount should therefore be increased to 100 million euros in order to also be covered for serious accidents. The tariff is then a bit higher - but that's nothing compared to the greater performance that you get.
Insurance protection even in the event of gross negligence
Good car insurance also pays out in the event of gross negligence. This means that insurance coverage remains valid even if the person injured in an accident did not behave in accordance with the law. For example, if a driver talked on the phone while driving or missed a red light, this is considered gross negligence. Summer tires in winter are also considered grossly negligent. Anyone who has taken out a good policy can also count on insurance in these situations. However, for poorer policies, reimbursement may be reduced depending on the severity of your fault.
Attention: Of course, motor vehicle liability insurance, which also covers gross negligence, is not a free ticket. For example, anyone who causes an accident while consuming alcohol or drugs must face the consequences - insurance will not cover the accident in this case. Deliberate acts are also not included in the insurance.
The "Mallorca Policy" abroad
Quick with that Caravan Do you want to go to Italy or drive to Austria for a business meeting? There are many reasons to quickly cross the border. However, many drivers do not consider that the insurance often does not cover accidents or damage abroad or that the coverage of the car insurance is not sufficient. Before drivers take out a policy, they should also ensure that they have sufficient protection abroad. The ideal insurance covers the sum insured agreed in the contract worldwide. Unfortunately, the reality is often different: the coverage is often limited to Europe and other selected nations.
Are you planning to buy a new car and are you therefore looking for financing? Or should the modified baby and its attachments simply have the best possible insurance? Then ours Credit, financing, leasing, insurance & Co. categories exactly the right place to go for information. And also cheap financing for Accessory parts is there. Is the new one forged wheel, the planned Airride air suspension or the one you want foiling too expensive? Then a little one might help Financing in the process of implementing the modification on the vehicle. And also the topic Leasing or the vehicle sales are not neglected here. Just click through the posts and get the answer to your questions.
Of course, that wasn't the end of it!
tuningblog has countless posts on the topic Credit, financing, leasing, insurance & Co. in stock. Do you want to see them all? Just click HERE and look around. The following is an excerpt from the last contributions from this category:
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