Civil Car Insurance – The world of auto insurance can be challenging to navigate, and I’m sure you’ve had the frustrating experience of trying to understand exactly what the various policies cover and what accidents and occurrences you and your car will be covered for. But rest assured that you are not alone in this struggle.
On this page article we shall be discussing with you about everything you should know about Civil Car Insurance and as well guide you on the process of get yourself a reliable insurance skill to cover all your properties.
Civil Car Insurance is one such area of coverage about which many consumers have questions regarding the level of protection it offers in auto insurance policies. Without further ado… Let’s examine the terms and the meaning of Civil Car Insurance Coverage in Car Insurance.
Let’s start by asking what Civil Car Insurance is in general
According to the simple definition provided by the dictionary, Civil Car Insurance is “the legal obligation to compensate another person for harm done to his or her health, business, or property.” According to the legal definition, civil liability is “potential responsibility for the payment of damages or other court-enforcement in a lawsuit, as distinguished from criminal liability, which means open to punishment for a crime.”
This means that if you cause “damage” to another person but haven’t broken the law, you won’t be charged in a criminal court but you could be brought before a civil judge and forced to pay damages for any losses or injuries the third party may have suffered as a result of the incident.
According to legaldictionary.net, “Civil Car Insurance responsibility refers to the power of a victim to hold a responsible party accountable for their damages or injuries resulting from the other party’s improper actions. A party that has been wronged must have experienced some sort of quantifiable loss or damage in order to hold a person or organization civilly responsible. This could take the shape of property damage, personal injury, loss of income, contract loss, and a variety of other losses.
So, what does Civil Car Insurance mean in terms of car insurance?
Many of you will undoubtedly be afraid at the prospect of being sued or facing Civil Car Insurance action after a car accident. You will be relieved to learn that reputable insurance companies include specific levels of cover in their civil liability policies that protect the policy holder from any financial losses that may be incurred in the event that the other driver or another party involved files a claim against you.
For instance, all of Caser Expat Insurance’s automobile insurance policies, from Third Party, Extended Third Party, to Fully Comprehensive, contain two forms of Civil Car Insurance coverage (voluntary and mandatory) and legal defense.
Compulsory Civil liability (Responsabilidad Civil Obligatoria)
If you cause an accident, you will be covered to pay third parties for any material loss and/or bodily injuries they may sustain. This covers, at most, the sum allowed by law at the time the incident occurred. The scale outlined in Royal Decree 8/2004 and the approved Law on Civil Car Insurance in the Circulation of Motor Vehicles are used to establish this amount.
Voluntary Civil Car Insurance (Responsabilidad Civil Voluntaria)
There is additional voluntary coverage available to ensure that a higher amount of compensation or damages can be covered if the protection offered by the compulsory civil liability is insufficient to pay for the level of losses sustained. The sum will be detailed in the contract’s policy terms and stipulations. The maximum amount of compensation offered by Caser Expat Insurance is €50,000,000.
Civil Car Insurance – What types of incidents does this cover?
Generally speaking, there are two sides to the civil liability coin: property damage liability, which pays for the costs associated with repairing the third party’s vehicle, and bodily injury liability, which pays for the medical bills of those who are injured in an accident.
As I previously stated, each insurance company will have unique terms and conditions pertaining to civil liability in auto insurance. I’ve used Caser Expat Insurance policies as an example to demonstrate the kinds of occurrences that they, as the insurance provider, will cover for their insured drivers and the possible monetary damages that you may be required to pay to third parties.
ALSO READ: Beinecke Scholarship 2024 Program – Apply Now
As an illustration:
- If you cause a collision or traffic accident, such as by failing to stop in time at a stop sign or running into the rear of another vehicle, you are responsible.
- If a fire or explosion breaks out inside or outside your garage while your car is parked or otherwise stationary.
- if any cargo you’re carrying, whether from the trunk or the roof rack, falls onto a public road.
- If you harm something when opening the automobile doors, such a nearby parked car in a parking lot.
- If a trailer or caravan is declared in the policy and shares the same license plate as the vehicle, they are also covered for damage up to 750 kg in weight.
Some insurance companies will also offer legal defense coverage in addition to your civil liability requirements in terms of the monetary damages that are granted to the third party involved in the incident. This implies that if the matter goes to trial, they will either be able to represent you in the case themselves or they may contribute a certain amount to the costs of your own private attorney, whom you directly designate to represent you. In the instance of Caser Expat Insurance, their legal defense coverage offers limitless coverage if you employ their legal services, or they will reimburse you for up to €1,500 of costs for the bills of your own designated lawyer.
As you can see, even while the idea of civil responsibility can be frightening, it is worth making sure that a car insurance policy contains a thorough amount of liability coverage for both financial losses and legal assistance.
If, for some reason, you have a car accident and find yourself being sued or facing legal proceedings, having civil liability coverage in your auto insurance gives you the additional peace of mind that you won’t have to worry about the financial stress of potential damages and legal fees, and more importantly, you won’t have to worry about the psychological stress of going through the proceedings by yourself.
Finally, if reading this has left you feeling uneasy about the idea of civil liability in a broader sense, you will be happy to know that you can also contact Caser Expat Insurance about more general Civil Car Insurance that can help you protect yourself in various day-to-day situations.
You can rest easy knowing that Caser Expat Insurance offers two different Civil Car Insurance policies, real estate and family, so if your house floods and the water also damages your neighbor’s new kitchen, your pet chews through your neighbor’s fence, or you engage in risky activities that could lead to an accident with someone else, you will also be protected and supported.
Dial +34 91 055 16 56 to speak with one of our agents about purchasing our Civil Car Insurance. It is worthwhile to consider which scenarios would be most relevant to your particular circumstances and way of life, and to consult an expert for suggestions on how to minimize damage.
