The amount of money you have to pay your insurer to take advantage of liability insurance is officially called “premiums”. The RC guarantee©always provides for cases of exclusion in which the insurance does not intervene in case of damage. This is especially the case if the damage was committed intentionally or if the damage©© was©© caused© to you or your loved ones. In addition, private liability insurance© does not cover damage related©to your professional activity©. © To be insured in this context, you must conclude a specific© contract: the “Professional Liability Insurance©” (“PROFESSIONAL LIABILITY”). There are many types of liability contracts, some of which are mandatory depending on the country. Here are some types of liability insurance contracts under French law. If damage occurs in the context of the insured`s civil liability, the insured must inform his insurer within the period provided for in the contract. In any case, this period may not be less than 5 working days. The insured must send a claim report detailing the facts, possible witnesses and contact details of the victim. He must also attach all the useful documents at his disposal.
The amount of damage suffered by the victim can be determined amicably or judicially. Depending on the elements of the case, it is up to the insurer to decide whether to organize the insured`s defense or to try to negotiate with the victim. If the accident is resolved, it is up to the insurance company to take care of the victim. The perpetrator of the damage must not try to sign anything with him (acknowledgment of responsibility, transaction, etc.). Summary Definition of civil liability Contractual or unauthorized civil liability RC and insurance of the contents of the household The compensation procedure with the RC RC guarantee and the automobile insurance Civil liability of the fact. However, if you have “multi-risk home” insurance, the liability guarantee© is included in your contract. Even extreme sports, damage caused by a new car or electric vehicle are not covered by a liability contract. You need to take out some insurance and that`s what we can offer you! [CIVIL LIABILITY] The liability guarantee (or RC guarantee) allows the insurance company to compensate for damages that others have involuntarily suffered. Definition and exclusions. You must pay them at the time provided for in the insurance contract. ©In order to benefit from© the civil liability guarantee©, you must conclude an insurance contract with the insurer of your choice. In this case, you are covered by the payment of an insurance contribution.
Liability insurance, as the name suggests, is used to protect you when you take steps that may give rise to civil liability. This type of insurance then protects you from the financial consequences that result from the actions you take. Liability insurance can initially cover your liability for the improper performance of a contract, for example if you accidentally break a window while performing a window cleaning contract. It is then called “professional liability insurance”. In terms of car insurance, the only mandatory guarantee is the liability guarantee, also called civil liability insurance or rc car. If you beat someone (aã ̄e!) in a mistake and they sue you, your insurance company will not pay their medical or legal expenses©. If you have taken out liability insurance, your insurer will compensate the victim of the damage on your behalf. This insurance is included in your multi-risk housing contract that you must subscribe, whether you are a tenant or owner.
However, you should know that this insurance does not cover all risks, including: It is your insurance policy that indicates the situations for which you are protected. In Quebec law, the rules relating to civil liability insurance are set out in articles 2498 to 2504 of the Civil Code of Québec. It is advisable to carefully read the opposition clauses relating to the civil liability guarantee. In practice, the terms of the contract always provide for cases of exclusion. These exclusions may concern, for example, certain risky activities carried out in connection with the damage (such as certain extreme sports, see for example ski insurance) or damage caused by certain animals classified as dangerous. In practice, insurers systematically exclude damage intentionally committed by the insured or damage caused in the course of his professional activity. In any case, if the amount of damage you have caused is greater than what is provided as “coverage” in your liability insurance contract, you will have to pay the difference out of pocket. Keep in mind, however, that attorneys` fees, court costs, and interest are covered by the insurer, regardless of the value of your coverage. Civil liability© is a legal©obligation© to repair© damage caused to others©, to your home or elsewhere. Liability insurance covers bodily injury© or property©damage for which you are responsible. At the end of the insurance contract, the insurer must give you the amounts you overpaid. The insurer can cancel your liability insurance contract at any time with 15 days` notice. Liability© is usually present© in©©all property and casualty home insurance contracts (often referred© to as “HRM”).
It protects you if you©are also responsible for property© damage or bodily injury that has been unintentionally inflicted on a third party, whether it occurred©© in your home or outside©the insured© home. In these different situations, you can take out your liability insurance©. It also covers©the costs©of a lawyer if you have to go to ©court and the damages for which you are responsible. The insurer may also offer you term insurance (also known as a “coverage note” or “interim contract”). The purpose of this insurance is to protect you temporarily while waiting for the start of coverage of your main insurance. Your liability insurance usually protects you as soon as the risk begins and the insurer agrees to insure you. This date will be recorded in your insurance policy. Depending on the type of insurance and as an example, you must specify the following: You can also terminate the liability insurance contract at any time by written notification to the insurer. You are no longer insured as soon as he receives your notification.
Before signing your liability insurance contract, you must provide the insurer with all the relevant information you have.