System implemented by the insurance companies to enhance drivers, the car insurance franchise corresponds to the amount remaining to the responsibility of the insured after compensation for a road accident. Overview of the different types of franchises whose form varies according to the nature of the disaster.
The different types of franchise
Part of the costs not covered by insurers in the event of an responsible accident, the Car Assurance Franchising It involves motorists in managing their disaster.
An insured person must actually pay a deductible as soon as hers responsibility It is demonstrated, but it is exempt in the event of an incident accident.
In the event that an appeal has been submitted after setting the franchise, the insurance company proceeds to its reimbursement If the non -driver is not recognized.
If liability is not 100% attributable to one of the drivers, the wrongs are shared And the payment of a deductible is conditioned on the chosen self -assurance formula (third -party insurance, third large parts, all risks or without deductible).
Relative franchise (or simple)
All costs incurred by the disaster are borne by the insured if the amount of the damage is inferior to the deductible set in the insurance contract. Otherwise, the insurer supports the wholeness Automatic repair costs.
Absolute franchise (or fixed)
Most extendedThe absolute deductible compensates for a driver in case of complaint by taking on the amount of the damage, less that of the franchise.
Car insurance franchises can also be applied according to the nature of the disaster:
- Damage franchise: Accident, theft, fire
- Brush Ice franchise: Projection of pebbles on the windshield or on the headlights
- Natural disaster franchise: Mandatory amount of € 380 established by ministerial decree
- Chilometric franchise: valid for the guarantee of assistance
- Franchising in days: Number of days during which a guarantee remains valid, especially for replacement vehicles
The amount of deductible car insurance
Set directly by the insurance companies, car insurance franchise can be a Fixed sum (ceiling), of a percentage corresponding to the total amount of compensation (deductible proportional) or to the addition of two.
Generally, economic car insurance such as theThird part plus Groupama Insurance it is accompanied by a franchise highwhile the amount of the latter decreases with greater contributions in case of insurance All risks.
The franchising therefore depends on the type of automotive insurance contract:
- Third -party insurance: This type of insurance is the minimum legal level in France to drive a vehicle. It is only a guarantee of civil liability and covers only damage caused to others. In the event of an accident in which the Insured is responsible, no compensation from insurance is provided and no deductible is applied.
- Third -party extensive insurance: This insurance offers wider coverage than third -party insurance and can include some additional guarantees (theft, fire, ice breaks). A franchising can apply if the insured is responsible for an accident covered by these guarantees, but is divided by two if it is only partially responsible for the accident.
- Risk insurance: The most complete and protective formula covers the damage caused to others and the insured vehicle, regardless of the accident. A franchising is applied in case of responsibility for the insured, but is divided by two if the two drivers are responsible for the accident.
- Insurance without deductible: Some companies offer insurance contracts without deductible in the event of an accident, but which are generally more expensive.
Provided in the form of an optional guarantee, the crossing of crossesAnd (partial or total) is a possibility for motorists who do not want to set up a car insurance franchise.
While the absence of a franchise represents a osé additional for the insurer, this option is subject to First Higher insurance.
Car insurance franchises—also known as deductibles—are a key element of auto insurance policies that many drivers tend to overlook. Yet, understanding how they work is crucial to fully grasping your financial responsibility in the event of a claim. A franchise represents the amount you must pay out of pocket following a covered incident, before your insurer steps in to cover the rest. This system is designed by insurance companies to encourage safer driving habits and reduce the frequency of minor claims.
There are several types of deductibles
each with different implications depending on the nature of the accident or damage. A fixed franchise sets a specific amount, regardless of the cost of the repair. For example, if your deductible is €500 and the repair costs €1,000, the insurer pays €500. A relative franchise, on the other hand, only applies if the total damage exceeds a set threshold—if not, you receive no compensation at all. Lastly, a variable or proportional franchise depends on a percentage of the total damage cost.
Each of these options comes with its own advantages and risks. A higher deductible usually means lower insurance premiums, but also greater personal financial responsibility in case of an accident. Conversely, a lower deductible might result in higher premiums but offers more protection when unexpected events occur.
In conclusion
the car insurance franchise is a strategic financial tool that directly affects your level of coverage and your out-of-pocket costs. Being aware of the different types and how they apply allows you to customize your insurance policy based on your budget and driving habits. To make the most informed decision, carefully review your policy terms and discuss your options with your insurance provider before signing any agreement.
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