The Auto Insurance RCA, or motor vehicle liability, insurance coverage is mandatory (Civil Code Article .2054) for the movement of motor vehicles. There are custom features and types of insurance policies and hundreds of insurance companies. The insured and the insurer must comply with specific obligations and very important in respect of legal codes and insurance.
When you incur a claim, the insurance company is liable for damages caused to others unwittingly, to the limit allowed under the bill, the new code extends the obligation to cover the damage suffered by third carried. In this case the insured has an obligation to inform in writing their company for incident that led to now, so notify the claim.
L 'insured is obliged to exhibit a visible mark on the windscreen de' insurance, and has the duty to preserve and produce on request by the police authorities the certificate of insurance. The insurance company is obliged to accept the application for coverage RC Cars, except in any cases of irregularities found which for example is correct, the certificate of risk, the identity of the contractor, etc.. There is also a ban on tie-in which decrees that the contract was concluded RC. Cars can not be subject to the signing of another contract of insurance (Law 57/2001).
With the entry into force of the Bersani Decree (04/07/2006), companies are obliged to highlight the quotes and policies, as well as premium rate, the intermediary and the commission approved the discount. The insurance company is obligated to deliver (prior to the signing of the bill) to the briefing that lists all the rights and obligations under the contract and must sign and issue certificates within five days of premium payment.
According to the new regulation (Legislative Decree September 7, 2005, No. 209, effective from January 1, 2007), the Companies are required to: send the certificate to the insured risk, at least 30 days before the expiry of contract ; communicate in writing the date of expiry of the annual coverage, its timing and procedures to be followed for the communication of any notice, to provide, directly or through a broker or call center, information on the renewal premium. Risk Communication and certificate must be sent even if the contract does not provide for automatic renewal.
The duration of the insurance contract.
The contract period is usually one year and is open from 24:00 on the day on which you paid the premium, car insurance contracts may be with or without automatic renewal.
The contract with automatic renewal insurance is automatically extended annuality later, it is important to pay attention to any changes in the premium, the contract is dry at maturity necessary to make an explicit request for renewal to each annually.
For those traveling devoid of RC Cars, the following sanctions:
- a penalty by the Highway Code (fine of up to Euro 2,754.15, ANIA)
- a claim for damages with your assets in case of accident
The annual award
The annual insurance premium can be paid in cash, with the simultaneous release of the certificate of insurance and signage; By bank check made payable to the company or insurance (guarantees the customer by inefficiency or loss) through six-monthly or quarterly.
The maximum
The term "ceiling" is represents the maximum amount recoverable for any injury, damages in excess of the ceiling shall be borne by the contractor, by law, can not be less than € 774,685.35, but you can get more coverage by paying a small difference in annual premium.
It 'important to note that the minimum ceiling does not offer sufficient guarantees in case of damages for fatal accidents or serious injuries. In this case, the courts could set a very high compensation: It is strongly recommended, therefore, pay extra premium in exchange for greater peace of mind.
E 'expected to increase the maximum statutory minimum coverage:
- € 5 million per claim, regardless of the number of victims for personal injuries
- € 1 million per claim for property damage
In the case of ancillary policies (Kasko, theft etc.). There is no minimum amount of tax, for which, usually agreed with the contractor.
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The RCA insurance is mandatory, strong sansioni for those not in good standing. |
Exclusion of Warranty and lien
There are cases where the guarantee is not valid, however, the Company is obliged to compensate the injured third party but will have the right to ask the contractor to return all or part of my money (lien).
Some examples of exclusions are: driving without a license, accidents caused while intoxicated or under influence of drugs, etc..
Suspension auto insurance policy
If you are not having to use the car for a period of time you can request a suspension of the policy (as long as is required under the contract), it is not a requirement for companies, going to save on the premium for the period suspension. In the past, the suspension period ranged from a minimum of 3 months and a maximum of one year.
With the entry into force of the Bersani law Bis class of substance, even in cases of suspension can be maintained for five years, which then becomes the new maximum period of suspension.
Throughout the period of suspension will be free from the vehicle warranty and can not move, the sign and the insurance certificate must be returned to the insurer that will return them only at the time of reactivation. In addition, if the suspension does not follow the reactivation because the vehicle has since been sold, scrapped or otherwise removed from circulation, the refundable portion of the premium paid and not enjoyed.
Important notes to remember about RCA Car
- L 'RCA auto insurance is compulsory by law. If you came without stop, you are subject to heavy penalties and seizure of the vehicle.
- Insurance companies are obliged to inform you before signing the contract by a disclosure document, which should list the rights and obligations of the contract.
- Terminate the insurance policy is possible, but the vehicle can not be put into service for the duration of the suspension.
RC Cars Bonus Malus
