What is auto insurance?
Automobile insurance is insurance for motor vehicles insured and circulating on the national territory.
Its main purpose is to provide financial support for the losses incurred by an insured person or a third person, particularly during a road accident. The forms of contracts such as guarantees offered by insurance companies are varied. Each contract subscribed is specific to a situation.
Insurance contracts only take effect when an insured loss occurs. In this case, the compensation is made, taking into account the declaration of the insured, the amicable report completed, the report of the expert, in accordance with the terms of the contract.
Vehicles involved
Automobile insurance refers to «any vehicle intended for the transport of persons or things circulating on the ground propelled by a driving force». ».
Ice Break
In the event of a collision or rollover, all glass damage is covered by the collision warranty. In addition, the guarantee of breakage of ice with surcharge, comes into play in the absence of collision and reversal. The guarantee of breakage of ice covers the repair or the replacement of the parts glazed of a vehicle, that is to say the side windows, windshield, rear window and can be extended again with surcharge to the optics of headlights, roof opening, mirrors mirrors.
The “broken glass” guarantee has a franchise of its own.
In the event of a claim on a glass part of the car, the HAITI INSURANCE COMPANY has put in place a procedure for the customer to repair or replace the damaged part. He goes to the authorized repairer and notifies the CAH so that one of our damage marshals will report to the repairer. The Commissioner reviews and ensures that damages are covered under the contract. The repairer is then issued by the CAH an assumption of responsibility and the commitment of payment directly by the insurance and this in order to avoid that the customer to advance only the franchise envisaged under the contract.
The “broken glass” guarantee has a franchise of its own.
In the event of a claim on a glass part of the car, the HAITI INSURANCE COMPANY has put in place a procedure for the customer to repair or replace the damaged part. He goes to the authorized repairer and notifies the CAH so that one of our damage marshals will report to the repairer. The Commissioner reviews and ensures that damages are covered under the contract. The repairer is then issued by the CAH an assumption of responsibility and the commitment of payment directly by the insurance and this in order to avoid that the customer to advance only the franchise envisaged under the contract.
Natural Disasters
The guarantee covering the damage to the car, during natural disasters, is included for a surcharge as soon as there is an insurance on the goods. To play this guarantee, it is imperative that a government order be published in the official journal, namely Le Moniteur, to designate the event of natural disaster.
Theft, Fire and Associated Guarantees
The theft guarantee covers the damage sustained by the vehicle during a total, partial or attempted theft: the insured is reimbursed the value of his vehicle, after a minimum period of 30 days. If the vehicle is found before this time, it is automatically returned if it is economically repairable.
In the event that it is only parts or accessories that disappear, replacement of parts is carried out as long as the amount of repairs does not exceed the price of the vehicle.
An insurance company may provide for a reduction in insurance compensation when the insured is stolen his vehicle with the keys still in contact.
In order to guard against a claim, the insurance company may impose preventive measures on the insured, such as the purchase of an approved lock, the burning of windows, or regular parking in a closed area. (garage or underground parking).
The fire warranty covers damage to the vehicle when it is destroyed by fire, as well as the action of lightning. If the incident is due to a fire communication, it is the liability of the responsible vehicle that takes into account the damage of third parties, and the fire warranty that intervenes for those of the car responsible.
The guarantee against the climatic events (storm, hurricane, cyclone) is included in the fire guarantee.
In the event that it is only parts or accessories that disappear, replacement of parts is carried out as long as the amount of repairs does not exceed the price of the vehicle.
An insurance company may provide for a reduction in insurance compensation when the insured is stolen his vehicle with the keys still in contact.
In order to guard against a claim, the insurance company may impose preventive measures on the insured, such as the purchase of an approved lock, the burning of windows, or regular parking in a closed area. (garage or underground parking).
The fire warranty covers damage to the vehicle when it is destroyed by fire, as well as the action of lightning. If the incident is due to a fire communication, it is the liability of the responsible vehicle that takes into account the damage of third parties, and the fire warranty that intervenes for those of the car responsible.
The guarantee against the climatic events (storm, hurricane, cyclone) is included in the fire guarantee.
Collision Damage
The all-accident damage cover, commonly referred to as “all risks”, covers all the damage that can be caused to the vehicle: vandalism, the insured’s hit and run, collision with a wild animal or accidents with driver is responsible.
All risks
The all-accident damage cover, commonly referred to as “all risks”, covers all the damage that can be caused to the vehicle: vandalism, the insured’s hit and run, collision with a wild animal or accidents with driver is responsible.
Fleet Contract
The “fleet” contract is generally intended for companies with numerous vehicles.
The so-called “fleet” contract allows companies or individuals with several cars togroup all its vehicles on one and the same contract, which reduces the management costs invoiced to the customer. This type of contract allows at any time to include and remove vehicles from the fleet of the insured, without the need for any particular modification of the contract. Each month, the company gives the insured a “state of the park”, which is the list of insured vehicles and those who have come out of the park since the last deadline.
The so-called “fleet” contract allows companies or individuals with several cars togroup all its vehicles on one and the same contract, which reduces the management costs invoiced to the customer. This type of contract allows at any time to include and remove vehicles from the fleet of the insured, without the need for any particular modification of the contract. Each month, the company gives the insured a “state of the park”, which is the list of insured vehicles and those who have come out of the park since the last deadline.
- LInsurance “professional automotive “Or garage are warranties that extend to all vehicles under the responsibility of an automotive professional.
- Specific insurances “are dedicated to transported goods, and to public transport of persons.
Persons Covered
Anyone entitled to drive a vehicle may be designated as the main driver on a motor insurance contract. There may also be secondary drivers designated on the contract, such as spouse or children. Some insurance contracts may not have CAH insurance contracts generally have no expressly designated drivers. For example: For example, for company cars, where all employees can use the vehicle without the insurance being notified.
Ceilings, deductibles, exclusions
The guarantees offered by insurance is generally limited by caps, deductibles and exclusions.