If you are involved in a car accident, you will find yourself in a very unpleasant situation. Because we do not have to deal with this on a daily basis, the situation can feel uncomfortable. You are not very sure what steps to take and what the consequences will be of the car accident. A car accident has various consequences. We will be pleased to inform you about this.
What kind of damage and insurance is involved?If you have had a car accident, then it is relevant to know what kind of insurance you are dealing with. A car accident can lead to an increase in your premium. This is often the result if the damage is your own fault. In that case, the insurer must compensate the other party for the damage. The result of this is that you have to pay more monthly. However, the way in which the damage is handled may vary from one cover to another. Below we will briefly discuss the differences.
Third party liability insuranceWhen you are dealing with a third-party liability insurance, you are dealing with an insurance that only covers the damage that you cause to another person with your vehicle. It is mandatory for everyone with a car to have at least a third party liability insurance. The damage you cause is your own fault, as a result of which the premium will also increase. How is this possible? This is due to the fact that you lose your claim free years as a result of the damage. The discount you received on your premium for this will then be reduced. The result of this is that you have to spend more per month on the premium.
Third party liability insurance, fire and theftIf you are in possession of this insurance, in addition to the damage you cause to others, certain damage to your own car is also covered. This insurance gives you the possibility to claim, for example, glass damage or damage due to weather conditions without increasing the premium. Has anyone intentionally destroyed your car? Then you have to deal with vandalism. This is usually not insured on the basis of this cover. Is the perpetrator known? Then this will probably be possible. The perpetrator can then be held liable for the damage.
Comprehensive insurance (also called all-risk)If you have to do with this cover, the damage to your own car is also covered. Is the damage your fault? Then the premium will go up if you claim the damage from your insurer.
Possibility of no-claim protectorThere are also insurance policies that allow you to claim damages once a year without affecting your no-claim discount. As a result, the premium will not increase. This is also called a no-claims protector.
Choose an appropriate car insurance policyAs you can read, it is advisable to carefully select your car insurance policy. If you are looking for a car insurance policy, you will soon find out that there is an awful lot of choice. Each car insurance policy has different conditions and which car insurance is the best can therefore be very personal. A car insurance policy must fit your situation. An elderly person who has a car in front of the house and almost never uses it, can choose a different car insurance policy than someone who makes intensive use of his or her car on a daily basis. Also determine the budget you have set for this. This way it is easy to find a suitable car insurance policy.
Make a comparisonTo get the best choice, you can compare a car insurance policy. You can do this easily online. In various filters you can indicate what the wishes are with regard to the insurance. This can be very different per person and situation. Make choices that suit your situation. Based on this information, you will then receive a list of providers that fit your requirements. The car insurance you choose will suit your personal situation. You can also enter the budget you have for this in the filters. So you never have to pay a penny too much to your car insurance.
We hope that you will now have a clear idea of the consequences of a car accident if you are involved in a car accident. In this way, you will be less likely to find yourself in an uncomfortable situation because it is now clear what the consequences of the accident were.