Spurred on by the insurer AXA, many companies would like the government to legislate on the security of the driver to make it mandatory. The driver, when he is responsible for an accident without a third party, is not covered by their insurance, this warranty is optional in the great majority of contracts auto and motorcycle. Insurers are struggling for a long time for that lack of coverage is filled by a governmental obligation to respond to a societal demand for compensation for all victims of road accidents.
In France, 38% of accidents do not involve any third party, only the driver is responsible, and in case of injury, it is not supported by its auto contract unless agreed an additional warranty. Badinter Act of July 1985 provides a right of compensation for all damage caused by an accident, but does not guarantee the driver if he injures or kills himself alone, without involvement of a third party. It can be compensated only on condition that he agreed to provide additional security assurances from the driver. This law aims to subject the insurer to a number of obligations vis-à-vis the insured (information, time limits for compensation, offers), but establishes an inequality between the victims. The driver is the victim in compensation for personal injury.
The AXA Group is the first to press for improved law and mandatory driver's warranty, which is offered in 80% of contracts and self in 50% of contracts motorbikes. Under the guise of better protection for drivers, insurers see the shortfall is that the appearance of this optional warranty. By winning, it would cause an increase in premiums for mathematical order of 4.5% for cars and 35% for motorbikes. The financial effort required of drivers of two-wheelers would be considerable, and "economically disastrous" by Gema (Groupement mutual insurance companies which unites the largest mutual funds). The two-wheelers are the most statistically highest risk for injury.
Insurers propose the establishment of a basic minimum guarantee of the driver by his subscription to a compulsory liability. An intermediate solution to generalize individual security of the driver before making it compulsory by law.
In France, 38% of accidents do not involve any third party, only the driver is responsible, and in case of injury, it is not supported by its auto contract unless agreed an additional warranty. Badinter Act of July 1985 provides a right of compensation for all damage caused by an accident, but does not guarantee the driver if he injures or kills himself alone, without involvement of a third party. It can be compensated only on condition that he agreed to provide additional security assurances from the driver. This law aims to subject the insurer to a number of obligations vis-à-vis the insured (information, time limits for compensation, offers), but establishes an inequality between the victims. The driver is the victim in compensation for personal injury.
The AXA Group is the first to press for improved law and mandatory driver's warranty, which is offered in 80% of contracts and self in 50% of contracts motorbikes. Under the guise of better protection for drivers, insurers see the shortfall is that the appearance of this optional warranty. By winning, it would cause an increase in premiums for mathematical order of 4.5% for cars and 35% for motorbikes. The financial effort required of drivers of two-wheelers would be considerable, and "economically disastrous" by Gema (Groupement mutual insurance companies which unites the largest mutual funds). The two-wheelers are the most statistically highest risk for injury.
Insurers propose the establishment of a basic minimum guarantee of the driver by his subscription to a compulsory liability. An intermediate solution to generalize individual security of the driver before making it compulsory by law.
.png "English"){kind=small}
0 commentaires:
Enregistrer un commentaire