Replacement Car and Car Insurance
Many policies offer a vehicle for the event that the policyholder has his in the shop but when the truth there are so many restrictions and exceptions are few who manage to give them his company car when necessary. It is assumed that, through this coverage, the insured is entitled to provide him with a car it replaced or compensated in the event that yours is in the workshop. But the reason that the vehicle is immobilized must be an accident and not a breakdown or maintenance.
What is damage?
The logic seems to think that incident is considered an accident where the insured car has been involved, through his fault or that of others, or even without appearing guilty (typical case in which one comes and … “I found him well “). Also when the vehicle has been stolen or if it occurs, but knackered or is affected by flooding or is used to barricade vandalism … But no. Surely the insurance company will put a lot of obstacles.
Are we entitled to another car?
Again I must say that everything is in the particular subject of each policy, the document to be read carefully, because that contain exceptions like that must be hired own damage coverage, that of theft.
It is desirable that the insured is protected regardless of the cause that generates his car into the shop, whether it’s a fault, as in the case of an accident no matter who is at fault and the circumstances.
But never is. Ask your company because you may have so many exceptions to this coverage, you are offering only smoke. Insurers often provide a replacement vehicle if the person concerned is a professional car transport and is necessary to do their jobs, but not for the rest of us. Read more
