Photo by William Krause per unsplashL’rc car (Automotive Third Party Liability) is a policy required by law, necessary to be able to drive your own vehicle, which covers the vehicle itself for damages caused to third parties in the event of a road accident. This is a fundamental protection for the insured, but we don’t always remember what exactly it covers. Let’s clarify a little right away.
How does car insurance work?
When you take out a car insurance policy, the policyholder pays an insurance premium to the chosen company. In return, the insurance covers the vehicle for damage caused to third parties following a road accident for which the insured vehicle is responsible. The premium varies based on several factors, including data relating to the owner, policyholder and driver of the vehicle, the characteristics of the vehicle itself and the area of residence. It is important to remember that, in the event of liability for causing an accident, Car insurance only covers damage to third parties and not even those possibly suffered by the same responsible vehicle. The latter will be covered by any additional guarantees added to the policy.
What does the car insurance policy cover?
The car insurance policy covers physical and material damages caused to third parties in the event of an accident within certain limits (established by lawwhich can however be increased when subscribing to the policy). Specifically, the coverage includes:
- Damage to people. The insurance covers physical injuries suffered by drivers not responsible for accidents, passengers, pedestrians.
- Damage to property. Compensation is provided for material damage to other people’s property, such as vehicles, buildings, fences, and any other property damaged in the accident.
It is crucial to note that, in the event of liability for an accident, Car insurance does not cover damages suffered by the insured vehicle or physical injuries suffered by its driver. For these types of coverage, it is necessary to integrate the policy with additional coverages such as comprehensive insurance, coverage against vandalism, theft and fire, and other optional coverages.
Among the many insurances available on the market, ConTe.itinsurance distributor of the Admiral Group, stands out as one of the best solutions for taking out a comprehensive policy. ConTe.it offers a wide range of customizable policiesallowing customers to choose the coverage that best suits their needs. Furthermore, the company is renowned for its excellent customer servicewith always available services and qualified consultants.
Finally, one of the strong points of ConTe.it is the transparency of its offers. Customers can easily get quotes online and have a clear understanding of the costs and coverages included. This level of clarity and reliability has made ConTe.it a popular choice among Italian drivers.
In addition to car insurance coverage, ConTe.it also offers a wide range of additional guarantees that can be added to your policy for complete protection. These include driver accident coverage, legal protection, roadside assistance, and many other options for added peace of mind while driving.
When you have to take out a car insurance policy, among the many aspects to consider, it is good to carefully evaluate the insurance you decide to proceed with. The choice of a solid and established reality, which can really represent the support you may need in times of difficulty, is the only one able to guarantee safety when you get behind the wheel.
