Conseils Pratiques

Quelques informations à retenir pour la souscription d’assurance auto

17 novembre 2017 — by dkgroup20

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Conseils Pratiques

Quelques informations à retenir pour la souscription d’assurance auto

17 novembre 2017 — by dkgroup20

La mise en circulation d’une voiture sur la route de France nécessite la souscription d’un minimum d’assurance automobile. Cette garantie obligatoire couvre uniquement les dommages causés au tiers. Pour être mieux assuré, il est possible de contracter d’autres types d’assurances en fonction de vos besoins.

Qu’est-ce que la garantie auto responsabilité civile ?

Si vous venez d’acheter une voiture chez un concessionnaire auto ou un mandataire, procédez à la souscription de l’assurance responsabilité civile, une garantie minimale légalement obligatoire. Celle-ci couvre à la fois les dommages matériels et corporels causés au tiers en cas d’accident imputable au conducteur. Au cas où l’un des passagers de ce dernier aurait été sinistré à l’occasion de cette mésaventure, la victime sera indemnisée par la responsabilité civile de l’automobiliste de la même manière que les tiers. Il faut dire que la garantie dont on parle ici n’intervient jamais pour les dommages subis par le véhicule assuré ni pour les animaux et biens appartenant à l’auteur de l’accident. À titre d’information, l’omission de la souscription de ce type d’assurance constitue un délit passible de lourdes peines. Entre autres sanctions les plus fréquentes, il y a l’amende de 3 750 €, la suspension du permis de conduire qui peut durer jusqu’à 3 ans, la confiscation du véhicule et la défense de conduite de certaines voitures.

L’assurance auto tous risques

Si vous souhaitez bénéficier d’une garantie optimale avec une couverture maximum de risques, l’assurance auto tous risques s’offre à vous. Cette formule est le contrat d’assurance le plus complet, car elle comporte plusieurs types de dommages. On peut citer en exemple les dommages par un tiers non identifiable, les dommages collision, le vol, l’incendie et le bris de glace. Si la garantie auto responsabilité civile ne couvre que dommages causés aux tiers, ce type d’assurance s’étend à la prise en charge de vos propres indemnisations en cas d’accident ou de dégradation provoqués par autrui ou par vous-même. Ainsi, même si vous êtes civilement responsable, vous bénéficiez d’une réparation grâce au versement régulier des primes au mandataired’assurance ou à l’agence chargés de les encaisser. Cependant, on note que cette assurance a des limites. Bien qu’elle soit appelée « tous risques », elle ne permet pas effectivement de tout assurer. La souscription d’autres garanties supplémentaires est parfois nécessaire. Quel que soit le type de contrat, il faut savoir quelques exceptions où la compagnie ne sera pas tenue de rembourser les sinistrés. C’est le cas notamment lors de la dérogation au Code de la route par l’assuré tous risques (conduite en état d’ivrogne…)

Qu’en est-il des garanties complémentaires ?

Il est possible de souscrire des garanties complémentaires pour bénéficier d’une meilleure protection. Le mandataire d’assurance propose parfois ces formules. Parmi elles, vous pouvez opter pour la garantie « protection juridique ». Celle-ci couvre divers frais au cas où vous seriez assigné en justice ou convoqué à la commission de retrait du permis de conduire. On cite également la garantie « assistance » permettant à l’assuré d’être pris en charge par un remorqueur suite à une panne ou un accident.

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