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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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Old 07.05.2019, 21:12
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Re: Car insurance - who covers for what in various accident situations?

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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.
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Old 07.05.2019, 21:44
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Re: Car insurance - who covers for what in various accident situations?

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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
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Old 07.05.2019, 22:40
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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.
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Old 07.05.2019, 22:52
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Re: Car insurance - who covers for what in various accident situations?

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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
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Old 08.05.2019, 08:28
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Re: Car insurance - who covers for what in various accident situations?

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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
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Old 08.05.2019, 09:21
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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.
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Old 08.05.2019, 09:49
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Re: Car insurance - who covers for what in various accident situations?

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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.
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Old 08.05.2019, 09:55
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Re: Car insurance - who covers for what in various accident situations?

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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
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Old 08.05.2019, 09:56
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Re: Car insurance - who covers for what in various accident situations?

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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?
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Old 08.05.2019, 09:59
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Re: Car insurance - who covers for what in various accident situations?

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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.
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Old 08.05.2019, 12:23
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Re: Car insurance - who covers for what in various accident situations?

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  • 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.
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Old 08.05.2019, 13:14
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Re: Car insurance - who covers for what in various accident situations?

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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
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Old 11.05.2019, 16:43
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Re: Car insurance - who covers for what in various accident situations?

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

Post #12 Apartment up for sublet
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