There are rates that pay only significantly lower legal sums after minor crime accidents such as cell phone use while driving. But others still offer full coverage.
The same applies to the fully comprehensive insurance. Insurers can reduce or completely cancel benefits after accidents caused by gross negligence, such as red light violations. Rates that exempt the clause “waiver of the objection of gross negligence” from this characteristic. Then the full amount is due, except for accidents involving alcohol and drug abuse or if you have allowed the car to be stolen through negligence.
The recommended rates for new cars also offer replacement of the new price at least in the first twelve months in case of total loss.
In the case of partial insurance it must be ensured, among other things, that not only direct damage caused by animal bites, such as marten, but also consequential damages in the case of combustion engines are covered with at least 5000 euros. Good rates also cover damage caused by wildlife accidents involving all types of animals.
