Vehicle owners are required to take out an insurance contract. There are several formulas, generally three (third party, extended third party and all risks) with specificities. Third-party insurance is the basic coverage, it is the latter which is not optional. Then, everyone can decide to add guarantees to better protect the vehicle in the event of a problem. In the case of broken glass, the coverage will depend on your level, however, a penalty will rarely be applied.
Window, windshield: what is the definition of broken glass?
“Broken glass refers to the impact, cracking of the glass surfaces of a vehicle or their total degradation“, indicates the website of France windshield. Broken glass is very common and is one of the most common losses. It must be said that it can happen quickly. If you are driving on the highway, for example, it often happens that a small stone ends up against your windshield and depending on the speed and the impact, there may be a mark. Likewise, around construction sites or behind open-top trucks with gravel, impact is not uncommon. In short, it can happen easily.
What is a penalty in insurance?
When you take out car insurance, there is always a bonus-malus system. Concretely, “this is a formula for reducing or increasing the insurance premium, at each annual deadline, depending on your behavior“, specifies the site of the French administration. Depending on the losses you have had and your liability, you could pay more. Conversely, in the absence of a claim, you will have more bonuses and therefore the insurance will cost less.
Car, two-wheeler: how does car insurance work?
When you take out nova scotia auto insurance, you define with your insurer what guarantees you want. You have to take into account the condition of your car, what it is worth, where you live, what you use it for, etc. From that moment on, you are assured. This means that if you are at fault for an accident and you are the third party, the insurance will cover damage caused to other people and their vehicle. If you are at all risks, all damages will be covered. In some cases, you may pay a deductible.
WhatIs that East covered by the breaking of the glass? What is the Rising of the franchise ?
Broken glass is generally not covered in third-party insurance, that is to say, basic insurance. On the other hand, it often exists for full third-party and all-risk insurance. In the vast majority of cases, broken glass is fully covered because you are rarely responsible for it. However, in certain contracts, there may be a small excess to pay. This is indicated in your car contract.
What are the consequences after a broken glass? When is it that we takes a penalty?
If you are faced with a broken glass, then you will have to make a declaration to your insurer. You only have five days to do this. If you need to change your windshield, then discuss it with your insurance company: they will accept your quote or direct you to one of their partners. There is an exception if you are the victim of vandalism, you must file a complaint and report to your insurance within two days. Then, regarding the penalty, it depends on the situation. If the only claim declared is broken glass, then there is no penalty. On the other hand, if other losses are declared at the same time (theft or vandalism, for example) other guarantees will be taken into account and there could be a penalty.