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Old 31.03.2019, 20:09
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Car insurance - who covers for what in various accident situations?

Hi all. I've found number of posts regarding the car insurance, but I haven't really found one with information about general conditions and what happens in various accident situations. I am choosing a car insurance and thinking what option to go for (car Lexus IS 300h, 1st registration 03/2014, 63,000km, initial price around 60,000 CHF, current price around 19,000 CHF). I would like to go for the partial casco, so I just want to understand what the risks are. Could you help me please with understanding the following situations?
  • I get into a car accident, which is determined not to be my fault. Is all the cost of the repair on my car covered from the liability insurance of the other party in the accident? What if I have full casco? Who is covering the damage?
  • I get into a car accident and I'm the one who caused it. Is the damage on the car (or house or whatever other property) of the other party covered from my liability insurance? And then I assume my damage is covered only if I have full casco, right? If I have partial casco, then only the damage on the glass (windows) is covered? Because the rest in partial casco is related to theft, natural cause, etc.
  • I get into a car accident where it cannot be determined whose fault it was. What happens in this case? What insurance covers what?
  • If somebody scratches my car while it's parked somewhere, then in case the guilty person gets in touch with me, the damage is covered by his liability insurance, right? He doesn't pay anything (given that he has 0 CHF deductible) and I'm not paying anything. What if it's hit and run? Then I would have to cover for it myself, or would have to have the full casco including the coverage for damage to the car while parked, right? Or would it be classified as vandalism, therefore covered by the partial casco?
Is there any other situation I am not mentioning above that I should take into consideration? Also any recommendations regarding the coverage based on the car details above are highly appreciated. Thank you.
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Old 31.03.2019, 22:03
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Re: Car insurance - who covers for what in various accident situations?

I'm no insurance expert .. Pinch of salt required..

Liability insurance is totally different insurance to car insurance.. And it does not normally cover anything driving related.

Accident not your fault - other CAR insurance pays.

Accident your fault - Your CAR insurance pays - unless your were grossly negligent, dunk etc, then you pay. (fixing your car depends if you had fun; casco or not)

There's no such thing as fault cannot be determined, it's always somebody's fault or shared fault - the insurance companies fight that out.

Scratches while parked.. Well if a kid did it with his bike then the liability insurance of the parents would pay, likewise for somebody hitting it with a shopping cart.. If somebody did with their car, their CAR insurance would pay, if nobody admitted guilt your insurance would pay - assuming full casco including parking damage.

Friends / Visitors driving your car is another scenario - might be covered 3rd party only if they crash - worth checking that.
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