Auto Insurance online

Auto insurance online

Auto insurance is an insurance contract covering risks created by car driving in case of an accident.

There is a basic mode, whose recruitment is mandatory for all vehicle owners, known as insurance compulsory automobile that covers the civil liability of the owner and the driver of the vehicle - in the event that they are not the same person - for damages and injuries caused to third parties. Also includes the legal defence up to certain limits. This modality is regulated in more detail by the State regulations.

Next to this basic mode you can hire other voluntary supplements: what is called voluntary civil liability insurance, which covers the possible compensation to third parties over the amounts included in the compulsory insurance; the insurance of passengers, the same as above but specifically for the occupants of the vehicle; insurance damages own or all-risk insurance, for the damages suffered by the vehicle's own insured; of moons, the damages to the moons of the vehicle insurance, is a subspecies of the former; accident insurance of the driver, who is an insurance on the life of the driver itself, since this is not covered by the compulsory insurance; the legal expenses insurance as it is not covered by the compulsory; assistance in travel, etc.

There is also the variant 'with franchise» which is used primarily in the insurance of car all-risks which rather than cover the loss total, made only from an amount that the insured person supports.