How to get compensation from your car insurance?

While the Aurora storm caused a lot of damage following its passage last night, find out how to get compensation in the event of damage.

Who says autumn also says return of storms, and this was verified last night, with Aurore, who crossed the north of the country throughout the night. Violent winds sometimes exceeding the 130 km / h mark, and which caused a lot of damage, on homes but also vehicles, torrential rains also adding to the equation. If you have suffered damage to your car, you are most likely wondering if your insurance will agree to compensate you, and above all, how to do it. Don’t panic, we’ll explain.

First of all, make sure that your contract includes a guarantee protecting you against natural disasters, generally present in all-risk formulas. On the other hand, if your vehicle is insured with third parties, there is a good chance that this is not the case. However, this is not enough to be reimbursed in the event of damage, because a ministerial order decreeing the state of natural disaster must be promulgated in the Official Journal, which can take time and is not systematic. And for good reason, the storm must have affected a wide perimeter to be able to enter this framework. In addition, it is common for your insurer to require that the winds have blown at more than 100 km/h to reimburse you. He may also refuse to do so, if you were driving during the storm, considering that you were careless. Warranty broken glass is more flexible and will compensate you more easily, even if you have not subscribed to a specific offer.

How to make your declaration?

When the state of natural disaster is declared, you have 10 days to declare the sinister to your insurance company, which will then appoint an expert to assess the amount of compensation. If nothing has been enacted, then you have five days to contact your insurer. The latter may then require proof, such as a bad weather certificate, issued by Météo France and costing €70, not covered. In the event of a natural disaster, be aware that the excess is always €380. Your company then has three months to proceed with the compensation.

Also read on

Our advice for driving safely in autumn

Wind weather alert: what advice in the car?

Winter tyres: more efficient than chains?

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