I get into a car accident, which is determined not to be my fault. Is all the cost of the repair on my car covered from the liability insurance of the other party in the accident? What if I have full casco? Who is covering the damage? I get into a car accident and I'm the one who caused it. Is the damage on the car (or house or whatever other property) of the other party covered from my liability insurance? And then I assume my damage is covered only if I have full casco, right? If I have partial casco, then only the damage on the glass (windows) is covered? Because the rest in partial casco is related to theft, natural cause, etc. I get into a car accident where it cannot be determined whose fault it was. What happens in this case? What insurance covers what? If somebody scratches my car while it's parked somewhere, then in case the guilty person gets in touch with me, the damage is covered by his liability insurance, right? He doesn't pay anything (given that he has 0 CHF deductible) and I'm not paying anything. What if it's hit and run? Then I would have to cover for it myself, or would have to have the full casco including the coverage for damage to the car while parked, right? Or would it be classified as vandalism, therefore covered by the partial casco? Is there any other situation I am not mentioning above that I should take into consideration? Also any recommendations regarding the coverage based on the car details above are highly appreciated. Thank you.
Liability insurance is totally different insurance to car insurance.. And it does not normally cover anything driving related.
Accident not your fault - other CAR insurance pays.
Accident your fault - Your CAR insurance pays - unless your were grossly negligent, dunk etc, then you pay. (fixing your car depends if you had fun; casco or not)
There's no such thing as fault cannot be determined, it's always somebody's fault or shared fault - the insurance companies fight that out.
Scratches while parked.. Well if a kid did it with his bike then the liability insurance of the parents would pay, likewise for somebody hitting it with a shopping cart.. If somebody did with their car, their CAR insurance would pay, if nobody admitted guilt your insurance would pay - assuming full casco including parking damage.
Friends / Visitors driving your car is another scenario - might be covered 3rd party only if they crash - worth checking that.
Tom
Tom
Fluff so you can get your 10 posts to sell you IKEA furniture here
That of course means that if they cause an accident, the victim will have damage paid and won't be left without anything. The insurance company may of course try and get something out of the crooks.
Tom
Austria, Germany, Italy and Liechtenstein are also close to Switzerland. Did you check insurance in those countries?
2. there is an accident, you and others get damaged, it's your fault. Your 3rd party liability car insurance pays others. If you have full casco, it pays your damages as well. If you have partial coverage, you might get glass/lights if they are covered under your policy. Please note that in some cases you need extra levels of coverage for some "fancy" stuff like LED headlights etc.
3. There is no accident where it's nobody's fault. Push comes to shove, a court will assign liability, and then look at above.
4. If your car is parked and someone damages it there are the following options:
a. the party is known and hit you by vehicle - their 3rd party liability vehicle insurance will pay your damages
b. the part is known and hit you without a vehicle (kid threw a bike, or someone fell on it, or whatever) - their personal liability insurance would cover it. If they don't have it, you should claim it from them personally
c. the part is unknown - if you have parking damage insurance under your partial cover, it will pay for damages up to the cover limit. This cover is precisely for receiving damage from outside your control. It is also quite expensive.
All of the above, for a car with swiss plates, are on a car level, and it doesn't matter who drives the car.
Tom
Post #12 Apartment up for sublet
I'm looking for coverage for my third year here in Geneva, and Comparis recommends basic cover only due to the age of my car (Dacia) and other details I've supplied.
However, after reading your piece above I'm inclined to go for Full Casco again this year, like last just,simply for the piece of mind. For an extra 100 chf, it seems worthwhile to have full cover in case I have an accident and its deemed my fault.
Earlier this year, a woman drove into the side of my wife's car while both were moving. they came to a stop and the poor woman was terrified. She admitted it was her fault, so we didnt call the police we moved the cars from teh middle of the road (as dangerous) and got the accident form out.
At this point her husband arrived and announced she wasnt admitting liability.
We then phoned the police who WOULDNT COME BECAUSE THE CARS HAD BEEN MOVED. Nothing awkward about it, just the way it is - if you move the cars, they wont come because the accident position has changed.
So we had a couple of hours of arguing before filling in the accident form with neither admitting guilt (even the police said on the phone "you will have to agree to disagree and let insurance sort it out"). Fortunately my wife took loads of photos.
This then goes to insurance, they argue it out. If no one can decide normally its each insurance pays for their own car damage (which can be very unfair).
Fortunately in our case the insurance saw sense and they admitted liability and paid for all.
But be aware: Do NOT move the cars and DO call the police unless you have a definite signed accident form saying it was the other sides fault.
A lesson I learnt years ago when I was in a collision in my partners Yugo!
Right PITA getting compensation, went to the small claims court in the end, took more than a year.
Do take plenty of photos in case the other party decides to move their car.