I stole my car ! "- Auto insurance

And no, car theft that does not happen to others . That does not happen any more than on cars that cost 55,000 euros . Proof your old Peugeot 307 has disappeared, without presenting a large pecuniary interest. You have been reporting your car stolen to the police ( see the first part of this article) and you now need to perform the steps with your auto insurance.

Attention to time

Before anything else , make sure that you are insured against theft . This is the case in most contracts all risks. This is not necessarily provided on a contract to third parties. It is therefore an element carefully taken into account when performing an auto insurance quote. If you are insured against theft, according to most contracts, you need to meet a deadline, usually 48 hours to report the theft to your insurance. It can not be less than 2 working days (Sundays and holidays do not count ) . To report the theft to your insurance, you should inform them of the theft report , by registered mail or direct agency .

Car found or not?

What will happen next ? Several scenarios . In your contract include a time limit , usually 30 days from the declaration of the flight, after which your insurance will consider the car as permanently lost.

Your car is found before the deadline

Then you get your car in the state. In the event that the car was damaged, the body was pressed , broken windows, or other , your insurance will pay for repairs. This boils down to the usual case of repairs which will involve a possible minimum amount of repairs and a deductible (depending on your policy ) . It goes without saying that you need to prove that your car has suffered an attempted robbery (forced lock, steering lock forced , manipulated son ... ) .

If there is no evidence of tampering , you must strive to prove by evidence , expertise of the car, you're not about to cheat your insurer. The courts , however, have repeatedly recognized the flight without breaking valid. By an almost constant jurisprudence , it is generally acknowledged that " we can start a vehicle without damaging the wiring harness [...] the flight can be found even in the absence of evidence of tampering on the burglar " or that "the absence of evidence of tampering does not prove that the flight was not done by a skilled specialist ."

We do not find your car

It will be considered stolen after a period of generally 30 days. The insurer then you will "buy " the car , you will give him the keys and the logbook, and it will in turn compensate you according to the clauses in the contract to a value determined by an expert . In the case where we find the car beyond the period of 30 days, you can choose to keep the compensation paid by your insurance. It then retrieves the car (which is it in fact) and resell . You can also choose to get the car , with your insurer reimbursement of the compensation that you had paid.

Finally, several clauses come into play when a car theft. It is important when choosing your insurance , compare offers and different clauses. Internet is a good tool for this as number of comparators exist online . You can find more information LesFurets.com or another such site .

You can also find other useful information in our special section auto insurance
Searches related to this article
I got my car stolen
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Insurance Rates : Men and women pay they the same thing?

Since the transition , there is a year of new regulations that changed the terms of insurance rates , men and women are supposedly housed in the same boat as the price of their coverage. Supposedly ...

On 21 December 2012, the insurance industry found itself buffeted by a new provision imposed by the European Court of Justice : the abolition of all forms of price discrimination between the sexes. From that date , no further insurer was entitled to propose a reduced price or premium to a client on the grounds that it is a man or a woman.

How is the insurance rates ?
Recall that for a set price , an insurer enjoys three parameters. First, the cost of claims and their frequencies. Such a young motorist who potentially more likely to cause an accident due to his lack of experience on the road . Second criterion , costs, charges and management costs that correspond to taxes , wages and rents that the insurer must pay. And finally the profits they generate , ie margin . All its factors , in which the sex of an insured is often linked , play on the development of pricing policies , especially if the values ​​change .

The end of gender discrimination in rates would have lead to tangible economic changes for the French. Most would see as the price of their coverage lower or raise . One year after the proclamation of the new legislation , the time of reckoning has come . Men and women are they really on an equal footing ?

self
In theory
Considered less creative accidents than men on the road, women had until 21 December 2012 reduced their auto insurance rates , 8% cheaper on average by comparison Assurland . A difference that could even reach 20 % savings for young female drivers , once past their period of probationary license .

In practice
So the women would see their insurance premiums increased, and those men diminish. In fact, things seem to have changed the comparators, evidenced by the simulations carried out by journalists Insurance News who obtained identical profiles , tariff equalities between men and women. However, only the results of the same companies , usually pure players (online insurance) emerge every time. Impossible to know the prices offered by the big brands . And for good reason , such as Stéphane reveals Chappellier , Actuary and Associate Head of Casualty division in Actuaris , insurers retain their secrets quote based on gender.

Insurers have therefore been able to find some well advised to bypass this end tariff inequalities parades. Another of their tactics is to rely particularly on the fiscal power or use of a vehicle. Women generally driving, and more sporadically , small city cars less cut to achieve excessive speeds , it is easy to provide reduced to a less automobile accident- rate. Insurance companies can therefore focus on criteria other than sex to lead to price equivalent to those before December 21, 2012 .

health
In theory
Statistically taking better care of their health, more frequent consultations multiplying (dermatologists , gynecologists, dentists , radiology ... ) but also due to higher expenses during the period of pregnancy and during menopause , women cost more to their insurers. They therefore paid accordingly premium / higher than men ( 10% more on average according Assurland ) contributions for their coverage before December 21, 2012 .

In practice
Less critical than self , the decision of the European Court of Justice was to have a mixed impact on health rates. Only 10% of French would find themselves affected , mainly because of the proportion of employees (50%) covered by mutual companies . These covers financed half by employers , have never considered sex for the determination of rates. Through collective risk pooling , each employee is entitled to the same protection for the same price .

Also learns that Stéphane Chappellier

In life insurance
In theory
If one refers to statistics on life expectancy , men live shorter lives than women. A difference that was transcribed directly on premiums / contributions to life insurance contracts before December 21, 2012 , playing to the disadvantage of the male sex .

In practice
At present , unclear whether insurers have played the game of equal charges in this segment. The longevity gap is reducing increasingly gender , therefore insurance prices tend to equalize year after year without the Law of 21 December 2012 has no real impact on it.

Cancellation insurance : What if your due notice has not arrived on time?

You want to cancel your insurance policy but have not received notice of maturity would have send your insurer ? Do not worry, thanks to the Act Châtel you now hold the power to terminate as you wish , at any time.
Bête noire of the insured, the tacit (automatic renewal) insurance contracts each year brings many consumers in an indelicate situation. Once past the anniversary date of their contract , they find themselves stuck with a coverage they no longer want , often at too high compared to their average prices .

Châtel Act , the best weapon of the insured

To avoid this disadvantage configuration for the insured, the Chatel Act of 2008 strengthened the regulatory framework surrounding the insurance termination. If consumers hold duties , it is the same for insurers must comply with certain provisions , particularly in terms of time .

Here are the standards that the Act imposed Châtel :

- The insurer is obliged to inform the client at the earliest three months and not later than 15 days before the termination time limit (2 months ago) , the right not to renew his contract. Including an opinion letter generally due to the coming year with the new insurance rates .

- If the insured receives the notice of maturity less than 15 days before the end of the cancellation period , or even after that date, it has a further period of 20 days to request termination of his contract

- If notice is not received prior to the anniversary date of the contract , termination can occur at any time and without application of penalties

specific case

Suppose the anniversary date of the auto insurance policy Ms. Thibaud on January 1 . Legally , it therefore has until 1 November (deadline ) to terminate his contract , taking into account the required 2 months notice .

- The maturity notice sent by the insurer must be received by Ms. Thibaud between 1 August (3 months before the notice) and October 15 (15 days before) .

- If Ms. Thibaud receives letter from his insurer or maturity between 15 and 30 October (less than 15 days before the end of the period of notice) opinion, it has an additional 20 days to cancel his contract.

- If Ms. Thibaud receives letter from his insurer after this date or does not receive anything, it may terminate the contract at any time .

Warning: When the notice due disguises !

It is important to take care to detail that can make many policyholders into trouble. Today , insurers do not take the trouble to send their customers express their letters indicating their ability not to renew their contract. They just pass the new schedule including future insurance prices, but it serves as official letter and should be treated as such.

Auto Insurance Quotes for California drivers now possible using Portal Online Automotive Company

Los Angeles, CA ( PRWEB ) December 18, 2013

California is one of the states in the U.S. having legislation to regulate insurance underwriting for consumers. Drivers who can not find a supplier of local politics can now use the services offered in the company Auto Pros find auto insurance quotes for drivers in California http://www.autoprosusa.com/insurance .

New members can be located within the budget system for the production of information created by the insurance company Auto Pros . These partners are available for review and have different levels of insurance available in the state of California.

The current state minimum coverage plans to research the most drivers in buying an insurance plan can be cited using the providers listed online now . These basic policies and policies for additional coverage that some companies offer are citable using the Auto Pros site .

" Car owners who are researching companies on the basis of prices charged by the insurance policies could receive the greatest benefit from the review of the companies now have organized online ," said a source from the AutoProsUSA.com company .

The new classification method used to show the insurance agencies through the appointment system is the elimination of a portion of the conductors must conduct fieldwork in locating a new insurance company. This system is capable of accepting a CA zip code to start a process of classification of companies offering rates quotes within the insurance locator .

"The use of new types of data to investigate the system of online dating is the elimination of delays that are common when vehicle owners are based on telephone interviews with insurance agents to review the pricing policy ," the font.

The research system of the company Auto Pros now accessible by any U.S. online consumers is a new change in the company website . The search tool insurance now available to the public is a part of the insurance information that is available. A location service used vehicle warranty now appears in http://www.autoprosusa.com/auto-warranty .

This additional service can be useful for a used car owner looking for ways to reduce the cost of paying for protection plans which are useful for maintaining a vehicle has high mileage .

About AutoProsUSA.com

The company AutoProsUSA.com provided the American public with simple methods for locating new insurance online at affordable prices. A new set of tools can be found by visiting the website of the company that help generate quotes and policy data for drivers. The company offers these secondary AutoProsUSA.com solutions for owners of motor vehicles not currently using online search services for auto parts that have been a part of the website of the company for more than two years ago. Full support services are provided by this company through a toll free number.