Go Back   English Forum Switzerland > Help & tips > Transportation/driving  
Reply
 
Thread Tools Display Modes
  #1  
Old 31.03.2019, 20:09
Newbie 1st class
 
Join Date: Sep 2017
Location: Zurich
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
PedroCZ has no particular reputation at present
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.
Reply With Quote
  #2  
Old 31.03.2019, 22:03
John_H's Avatar
Forum Legend
 
Join Date: May 2013
Location: Nyon
Posts: 2,912
Groaned at 79 Times in 47 Posts
Thanked 3,539 Times in 1,409 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
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.
Reply With Quote
This user would like to thank John_H for this useful post:
  #3  
Old 07.05.2019, 21:12
Newbie 1st class
 
Join Date: Apr 2019
Location: Geneva
Posts: 12
Groaned at 6 Times in 4 Posts
Thanked 3 Times in 2 Posts
nathansc has no particular reputation at present
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
Friends / Visitors driving your car is another scenario - might be covered 3rd party only if they crash - worth checking that.
From my experience, the car is covered by the insurance, not the driver. But you have to check in the terms of the contract or ask your contact at the insurance directly. On the other hand, just so that you know, in France, you have to specify who are the people driving the car in order for it to be insured.
Reply With Quote
The following 2 users groan at nathansc for this post:
  #4  
Old 07.05.2019, 21:44
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,760
Groaned at 1,671 Times in 1,280 Posts
Thanked 31,051 Times in 14,835 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
in France, you have to specify who are the people driving the car in order for it to be insured.
We are not living in France.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #5  
Old 07.05.2019, 22:40
Newbie 1st class
 
Join Date: Apr 2019
Location: Geneva
Posts: 12
Groaned at 6 Times in 4 Posts
Thanked 3 Times in 2 Posts
nathansc has no particular reputation at present
Re: Car insurance - who covers for what in various accident situations?

I'm not either but had to drive the car of a friend in France and I had this problem, so I'm just posting this as a general info, at least in Geneva or Basel, this might be a common issue.
Reply With Quote
  #6  
Old 07.05.2019, 22:52
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,760
Groaned at 1,671 Times in 1,280 Posts
Thanked 31,051 Times in 14,835 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
I'm not either but had to drive the car of a friend in France and I had this problem, so I'm just posting this as a general info, at least in Geneva or Basel, this might be a common issue.
Only if it's a French registered car.

Tom
Reply With Quote
  #7  
Old 08.05.2019, 08:28
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 7,461
Groaned at 816 Times in 554 Posts
Thanked 9,167 Times in 4,346 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
I'm not either but had to drive the car of a friend in France and I had this problem, so I'm just posting this as a general info, at least in Geneva or Basel, this might be a common issue.

Fluff so you can get your 10 posts to sell you IKEA furniture here
Reply With Quote
The following 3 users would like to thank Today only for this useful post:
  #8  
Old 08.05.2019, 09:21
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 728
Groaned at 9 Times in 6 Posts
Thanked 490 Times in 287 Posts
catandmouse has earned some respectcatandmouse has earned some respect
Re: Car insurance - who covers for what in various accident situations?

This is one major difference for car insurance in Switzerland. It's the car that's insured, not the drivers, so your car is always insured, whoever is driving it, even the crooks from Lyon who took it for a spin.
That of course means that if they cause an accident, the victim will have damage paid and won't be left without anything. The insurance company may of course try and get something out of the crooks.
Reply With Quote
This user would like to thank catandmouse for this useful post:
  #9  
Old 08.05.2019, 09:49
Newbie 1st class
 
Join Date: Apr 2019
Location: Geneva
Posts: 12
Groaned at 6 Times in 4 Posts
Thanked 3 Times in 2 Posts
nathansc has no particular reputation at present
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
Fluff so you can get your 10 posts to sell you IKEA furniture here
I have the impression you can report my post and someone will delete it if it is fluff. This was me genuinely taking part in the conversation. Switzerland is so close to France that pointing out the differences between both countries is relevant. Your post does not contribute to the conversation, it just shows hostility towards a new member.
Reply With Quote
The following 2 users would like to thank nathansc for this useful post:
The following 2 users groan at nathansc for this post:
  #10  
Old 08.05.2019, 09:55
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,760
Groaned at 1,671 Times in 1,280 Posts
Thanked 31,051 Times in 14,835 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
Switzerland is so close to France that pointing out the differences between both countries is relevant.
The French rules do not apply to non-French registered vehicles, so it's not relevant.

Tom
Reply With Quote
  #11  
Old 08.05.2019, 09:56
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 7,119
Groaned at 243 Times in 181 Posts
Thanked 14,958 Times in 5,180 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
I have the impression you can report my post and someone will delete it if it is fluff. This was me genuinely taking part in the conversation. Switzerland is so close to France that pointing out the differences between both countries is relevant. Your post does not contribute to the conversation, it just shows hostility towards a new member.

Austria, Germany, Italy and Liechtenstein are also close to Switzerland. Did you check insurance in those countries?
Reply With Quote
This user would like to thank k_and_e for this useful post:
  #12  
Old 08.05.2019, 09:59
Newbie 1st class
 
Join Date: Apr 2019
Location: Geneva
Posts: 12
Groaned at 6 Times in 4 Posts
Thanked 3 Times in 2 Posts
nathansc has no particular reputation at present
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
Austria, Germany, Italy and Liechtenstein are also close to Switzerland. Did you check insurance in those countries?
I happen to know about the French rule, so I pointed it out. If I lived in Zurich and had German friends with whom I would sometimes go on trips, I would have liked to also have the information, even if it was not the initial question.
Reply With Quote
This user groans at nathansc for this post:
  #13  
Old 08.05.2019, 12:23
Don Molina's Avatar
Forum Veteran
 
Join Date: Jul 2012
Location: Zurich
Posts: 820
Groaned at 38 Times in 23 Posts
Thanked 1,157 Times in 496 Posts
Don Molina has a reputation beyond reputeDon Molina has a reputation beyond reputeDon Molina has a reputation beyond reputeDon Molina has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
  • 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.
1. there is an accident, you get damaged, it's not your fault. The party at fault has 3rd party liability car insurance, and that pays you

2. there is an accident, you and others get damaged, it's your fault. Your 3rd party liability car insurance pays others. If you have full casco, it pays your damages as well. If you have partial coverage, you might get glass/lights if they are covered under your policy. Please note that in some cases you need extra levels of coverage for some "fancy" stuff like LED headlights etc.

3. There is no accident where it's nobody's fault. Push comes to shove, a court will assign liability, and then look at above.

4. If your car is parked and someone damages it there are the following options:
a. the party is known and hit you by vehicle - their 3rd party liability vehicle insurance will pay your damages
b. the part is known and hit you without a vehicle (kid threw a bike, or someone fell on it, or whatever) - their personal liability insurance would cover it. If they don't have it, you should claim it from them personally
c. the part is unknown - if you have parking damage insurance under your partial cover, it will pay for damages up to the cover limit. This cover is precisely for receiving damage from outside your control. It is also quite expensive.



All of the above, for a car with swiss plates, are on a car level, and it doesn't matter who drives the car.
__________________
Nothing is fool-proof to a sufficiently talented fool
Reply With Quote
This user would like to thank Don Molina for this useful post:
  #14  
Old 08.05.2019, 13:14
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,760
Groaned at 1,671 Times in 1,280 Posts
Thanked 31,051 Times in 14,835 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
I happen to know about the French rule, so I pointed it out. If I lived in Zurich and had German friends with whom I would sometimes go on trips, I would have liked to also have the information, even if it was not the initial question.
It's not your problem, it's the problem of the French car owner.

Tom
Reply With Quote
  #15  
Old 11.05.2019, 16:43
Forum Legend
 
Join Date: Mar 2016
Location: Leimbach, Zürich
Posts: 5,551
Groaned at 317 Times in 252 Posts
Thanked 6,102 Times in 3,077 Posts
EdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond reputeEdwinNL has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
Fluff so you can get your 10 posts to sell you IKEA furniture here
So close.

Post #12 Apartment up for sublet
Reply With Quote
The following 2 users would like to thank EdwinNL for this useful post:
  #16  
Old 04.07.2019, 11:41
Newbie
 
Join Date: Jan 2018
Location: Geneva
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 1 Post
Mrclu has no particular reputation at present
Re: Car insurance - who covers for what in various accident situations?

Really useful info, thanks Don Molina.

I'm looking for coverage for my third year here in Geneva, and Comparis recommends basic cover only due to the age of my car (Dacia) and other details I've supplied.

However, after reading your piece above I'm inclined to go for Full Casco again this year, like last just,simply for the piece of mind. For an extra 100 chf, it seems worthwhile to have full cover in case I have an accident and its deemed my fault.
Reply With Quote
  #17  
Old 04.07.2019, 11:57
Forum Veteran
 
Join Date: Jul 2007
Location: Vaud
Posts: 2,481
Groaned at 149 Times in 102 Posts
Thanked 4,230 Times in 1,620 Posts
Mikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond reputeMikers has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
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.
Agreeing with John, just adding a couple of extra's - so you are aware.

Earlier this year, a woman drove into the side of my wife's car while both were moving. they came to a stop and the poor woman was terrified. She admitted it was her fault, so we didnt call the police we moved the cars from teh middle of the road (as dangerous) and got the accident form out.

At this point her husband arrived and announced she wasnt admitting liability.

We then phoned the police who WOULDNT COME BECAUSE THE CARS HAD BEEN MOVED. Nothing awkward about it, just the way it is - if you move the cars, they wont come because the accident position has changed.

So we had a couple of hours of arguing before filling in the accident form with neither admitting guilt (even the police said on the phone "you will have to agree to disagree and let insurance sort it out"). Fortunately my wife took loads of photos.

This then goes to insurance, they argue it out. If no one can decide normally its each insurance pays for their own car damage (which can be very unfair).

Fortunately in our case the insurance saw sense and they admitted liability and paid for all.

But be aware: Do NOT move the cars and DO call the police unless you have a definite signed accident form saying it was the other sides fault.
__________________
Get the latest lowdown and get it fast: www.imnotonetogossipbut.com
Reply With Quote
This user would like to thank Mikers for this useful post:
  #18  
Old 04.07.2019, 12:34
Fish Paste's Avatar
Forum Veteran
 
Join Date: Jun 2013
Location: North
Posts: 1,059
Groaned at 39 Times in 24 Posts
Thanked 1,325 Times in 609 Posts
Fish Paste has a reputation beyond reputeFish Paste has a reputation beyond reputeFish Paste has a reputation beyond reputeFish Paste has a reputation beyond repute
Re: Car insurance - who covers for what in various accident situations?

Quote:
View Post
But be aware: Do NOT move the cars and DO call the police unless you have a definite signed accident form saying it was the other sides fault.

A lesson I learnt years ago when I was in a collision in my partners Yugo!


Right PITA getting compensation, went to the small claims court in the end, took more than a year.



Do take plenty of photos in case the other party decides to move their car.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car insurance actually covers tyres! NickGB Insurance 15 22.09.2018 08:30
Car accident - what to get out of the liability insurance of the driver. susy82 Family matters/health 8 19.06.2015 11:20
Car insurance which covers Europe? rlchen Transportation/driving 19 12.02.2013 20:34
What kind of insurance covers HAIL Damage on Car? Ig0r Insurance 8 10.07.2012 00:32
Unfallversichrung (accident insurance), who has to pay for this? Angelina.zhang Insurance 10 30.07.2010 00:15


All times are GMT +2. The time now is 23:19.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0