Rc car: who pays for damage to the vehicle due to bad weather?

The weather phenomena such as heavy rainfall, the trumpets of arias, the tides or ice formation, are a major cause of insecurity that often characterizes our streets. A glance at the newspapers or watch a newscast, to realize how the peninsular roads are often jeopardized by poor weather conditions, which contribute to damaging the road surface in many Italian cities, with its attendant problems which might arise for those who lead a car or a motorcycle. A phenomenon worsened by the lack of adequate work of maintenance of the road surface, a phenomenon particularly visible for years in a city like Rome.

In conditions like this to talk about road safety seems therefore a gamble, as you know many motorists they see every day their car damaged by the disastrous condition of the road surface, which also should be a sine qua non in order to avoid risks to vehicles and people. When your machine reports of damage linked to bad weather, the first thing to do is check their insurance coverage, to see if the same also includes the elements.

(In case of accident due to bad weather not always the Rc car cover damage)

Many know the Kasko, that the collateral for the RC car, which also covers the damage done by your car. Also in this case, it must however ensure scrupulously if it goes to cover also any damage caused by atmospheric agents. It should be noted that some insurance companies provide products or packages that cover different circumstances. When you proceed to the signing of an insurance Rc car, it is therefore necessary to ensure scrupulously what is really covered, the existence of any deductibles, or whether the insured to have to load a part of the damage, and ceilings, or limits the reimbursement guaranteed in case of an accident occurring to the vehicle.

Where their coverage does not provide an additional warranty that covers damage caused to the vehicle by the bad state of the road, or lack of proper maintenance at the same, the injured motorist can make use of Article 2043 of the Civil Code, which It provides for the tort. In this case it must submit a regular report of the accident, specifying in detail the dynamics of the incident, the circumstances that determined it and the damage done by your car or by the people who were traveling on it. The complaint will be followed investigations by the administration responsible for the road section indicted, in order to ascertain the causes of what happened and any defaults. In the event that the survey did following an opinion of the legality of the request, it will start practice on compensation, which will involve the insurance company that protects the body involved, which in turn will proceed to contact the motorist involved in order to compensate him for the damage.

Tips for choosing the best auto insurance

Most people are concerned about the theft, without knowing it is more likely an accident; no insurance from 58 pesos, but always agree a more expensive one that would further secure.

Before you purchase or renew an insurance for your car, read the advice of an expert to help you choose the most suitable for your needs.

The best auto insurance will always be to ensure the best coverage in case the worst happens, tells the magazine Smart Money, Eloy Lopez, insurance consultant since 1995 and director of the office Integrated Financial Forecast.

In its latest issue, the publication was given the task to go to the experts to provide the best recommendations not only on the issue of insurance, but of wealth management , Afore,mortgage , investment fund, among other financial topics.

Most people choose their auto insurance not the most convenient reasons.

"Almost all do to protect your car against theft , do not know that the chances of getting your car stolen are much lower than those to see you involved in an accident, "says Lopez.

"If you drive, there is always the possibility that you have an accident and injuries you or your passengers, even of injury to people outside," says the expert. "And the car owner is responsible."

When he says that "the worst happens," Lopez thinks for example in an accident in which the driver ends up being responsible for the death of a person. How much is taking the life of a human being ?, surely more than anyone has in his account to meet unforeseen.

What you pay

Much of auto insurance sold in Mexico may be insufficient to cope with a catastrophic accident . Why?

Because, well, people tend to buy the cheapest auto insurance, not granting the best protection.

If a person has limited financial resources, it may be justified to decide based on the price but, according to Lopez, even people with enough income to pay for better coverage opt for the cheapest.

"80% of people with whom I have talked about insurance for cars chose the cheapest," says the expert.

In auto insurance standardized basic coverage, premiums are around 58 pesos. No cover theft, but accidents: 250,000 pesos guarantee liability.

The best coverage is one that will allow you, even through something very serious, not disburse huge amounts of money, or get rid of your savings to face a catastrophic accident.

Following that recommendation, Lopez says one of the best options in the market is the policy of Mapfre, known as Coverage 14.

This is a wide coverage to which you also can add the maximum amount insured in such important areas as civil liability.

Tips on buying a safe:

Consider the coverage of the company. GNP, AXA and Inbursa have adjusters nationwide.Some adjusters used outside because they have national coverage.

Taking into account the network of repair shops. A vast network will allow better and faster service. For Lopez, AXA has the best network of workshops and is the company doing the most righteous payments in case of disaster. In case of total loss of self, GNP is the best paid, according to the expert.