How an auto insurance company helps when car meets an accident

For an insured vehicle, it is up to the insurer to cover the civil liability of the owner and thus to pay compensation to the victims in an accident.

In the absence of insurance, the rules are a little more complicated and can come back much more expensive to the person in charge of the accident. In this case, the Automobile Guarantee Fund will be responsible for the compensation of the victims.

How much can the subscription cost to an insurance company?

According to, Insurance costs depend on many factors. First, for drivers with less than three years of experience or after three years of non-insurance, a surcharge will be applied to the subscription for the next two years. It can range from a maximum of 100% of the basic insurance contribution to one-third and 50% in the second year if the insured has not had an accident. This will be abolished in the third year, provided that the insured has not committed any responsible accident.

Then, the car to be insured and its type of use are also decisive. For high-value new cars, powerful high-speed cars and cars used daily in a profession, premiums are very high because the risks are assessed as being more significant than average.

Finally, the traffic zone could also determine the rates in car insurance. Large agglomerations are considered to be more exposed to possible accidents.

Simulation or comparators: what interest?

To find reasonable rates and passive restraint discount, we can compare offers through online comparators. These sites give general information about the different types of insurance, as well as coverage of all kinds, according to the formula that the customer wants to join. All sorts of insurers can be evaluated, as well as prices and products. To do this, you must go online to complete a free form, by entering your details and the type of insurance sought. Then, the site will establish a list of offers that meet your criteria.

To reduce the cost of insurance, it is essential to choose the right requirements that suit you and lessen the guarantees subscribed according to your needs. To find proper insurance online, it is necessary to bring you a suitable comparator!

If insurance companies refuse to receive the subscription, what should be done?

For those who tend to chain a series of accidents or accumulate infringements, finding a mutual may not be possible. An insurance company is free to accept or refuse to conclude the insurance contract. In the event of a refusal, the insured may appeal to the Central Pricing Office, an independent administrative authority that has the power to compel an insurer, by fixing the amount to be paid to the insurer you have selected.

To conclude

Now that you are up to date on the risks incurred in case of non-compliance with the law, remember that any new or used car purchased, requires in addition to vehicle insurance, an application for a registration certificate … to be completed as soon as possible! Having made an insurance comparison will give you every chance to pay a cheaper quote.

About RJ Frometa

Head Honcho, Editor in Chief and writer here on VENTS. I don't like walking on the beach, but I love playing the guitar and geeking out about music. I am also a movie maniac and 6 hours sleeper.

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