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Anyone driving a car or motorcycle on the road must insure their vehicle. The same applies to buses, trucks or scooters. Insurance companies offer various types of insurance with different tariffs for motor vehicles. Liability, partially comprehensive or fully comprehensive insurance is available to policyholders. What damage does car insurance cover?
No participation in public traffic without liability insurance
As the name suggests, liability insurance is compulsory. Who none Car insurance coverage must not participate in road traffic. If there is an accident, the liability insurance covers various damages of the other party in the accident, if there is culpable behavior. These include, for example, the repair costs incurred, towing costs, expert costs, rental car costs, loss of use, replacement value in the event of a total loss and impairment. Property damage such as environmental pollution, damage to buildings or traffic facilities are also covered by the liability insurance.
If personal injury occurs, the insurance company pays for possible treatment costs, loss of earnings, compensation for pain and suffering and a pension. In the event of death, a survivor's benefit is also paid and the funeral expenses are covered. The insurance company will of course check all claims for damages by the other party involved in the accident. If the claims are not justified, the insurance company will reject claims for compensation. The policyholder must pay for the defended claims. In addition to the injured accident victim, health insurance companies, the statutory accident and pension insurance and the employer also claim their claims from the motor vehicle liability insurance.
Partial casco insurance is voluntary insurance for vehicle owners
Partial casco insurance is often chosen by vehicle owners whose vehicle is worth more than 4000 to 5000 euros. Since this is a voluntary insurance, vehicle owners should check whether the additional costs for the vehicle are worthwhile. With partially comprehensive insurance, vehicle owners can protect themselves against damage to their own vehicle that they did not cause themselves. These include, for example:
A deductible can be agreed to ensure that the costs for partial casco insurance do not become too high. The standard is a deductible of 150 euros. Will the Deductible for partial insurance doubled to 300 euros, policyholders can save up to 25 percent. It is easy to find out which partially comprehensive insurance is actually worthwhile by comparing insurance.
Self-inflicted accidental damage is covered by comprehensive insurance
Like the partially comprehensive insurance, the fully comprehensive insurance is a voluntary insurance for a motor vehicle. The quite expensive insurance is taken out if it is a New cars or a very high-quality used car. The used vehicle should not be older than 5 years. Anyone who travels a lot for work should also opt for fully comprehensive insurance, since a replacement is available immediately after an accident.
If novice drivers also drive the expensive family sedan in the family, it is also advisable to be well insured. The fully comprehensive insurance covers all damage to the vehicle, which a partially comprehensive insurance also covers. If you cause an accident with fully comprehensive insurance, you will be compensated for your own damage by the insurance company. Even if the policyholder is to blame for the accident. In addition, policyholders are protected against vandalism with insurance.
Conclusion
It is not possible to drive on the roads in Germany without motor vehicle liability insurance. Partial and fully comprehensive insurance covers a wide range of damage that liability insurance does not cover. A deductible can reduce the cost of insurance.