A New Year’s Eve which generally took place, “in peace, especially in Paris”, revealed this Monday, January 1, the Minister of the Interior Gérald Darmanin. There was, however, “small scuffles in Bordeaux and Nîmes”, and above all, like every year, many vehicles burned. In total, the Ministry of the Interior counted 745. figure down 10% compared to a year ago (874). However, for people who have the unpleasant surprise of finding their car burned on the first day of the year, the question arises of the steps to take, relays Le Figaro.
The main question is: will I be compensated? To do this, you must refer to the conditions of your car insurance. And beware of surprises, because not all insurance necessarily takes into account coverage for fire. Our colleagues point out that this special coverage is optional. If this is the case, you can therefore hope to be compensated for a fire or explosion, but only if they are of accidental or malicious origin. If you are covered, there are steps to take, two of which are absolutely: file a complaint and report the incident, “so that your insurance can initiate the procedure with the aim of compensating you”underlines Matmut to the Figaro.
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No more than the Argus rating if the car went up in smoke
The complaint must be filed as quickly as possible, while the claim declaration must be “within five working days” following the date of the incident. Here again, it is necessary follow certain precautions : registered mail, precise information, etc. An automobile expert will take care of the file to assess the amount for which you are eligible. On the other hand, if the car was completely burned, you will be reimbursed up to its rating. l’Argus. If you’re not covered, is that the end of all hopes? It all depends on your situation. For example, if your reference tax income is less than 26,050 euros per year (2022 resources), you may be able to contact the Crime Victim Compensation Commission (CIVI).
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The latter can grant you compensation, but only up to a maximum of 4,602 euros. It is also possible to refer the matter to the prefecture in the event of state liability, but it is unlikely that a New Year’s fire will be one of the conditions for eligibility. There remains one last option: be compensated by another person’s insurance. This will be possible if your car burned because of another neighbor.
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2024-01-01 17:27:11
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