Preparation for oral exams in claim management and commercial development of the BTS Insurance. Here are some possible questions about car insurance. These auto-related questions may vary depending on your specific situation.
What is a CRM ?
The CRM is the discount/malus coefficient.
What are the resiliation options ? (Name at least 3).
Among the means of resiliation, we find the Hamon law, Châtel law, and termination at the renewal date with a two-month notice.
What are the existing deadlines for reporting a claim ?
According to article L113-2, the reporting deadlines are:
- 2 working days in case of theft,
- 5 working days for all other damages,
- 10 working days from the publication of a decree in the Official Journal for natural disasters.
From what point do we consider a CRM as a bonus ? And as a malus ?
A CRM is considered a bonus when the CRM is less than or equal to 1. It turns into a malus when this figure exceeds 1.
What is the range of a CRM ?
A CRM starts at 0.5 at the lowest and 3.5 at the highest.
After how many years can you reach a bonus of 0.5 ?
It takes 13 years without a responsible accident to reach a bonus of 0.5. Each year, 5% is deducted from the CRM.
How does the CRM evolve after a responsible, non-responsible, or half-responsible accident ?
With a CRM of 0.5, the first responsible accident is not counted. For a responsible accident, multiply the CRM by 1.25, and if it’s half-responsible, multiply the CRM by 1.125. For non-responsible accidents, the CRM is not affected, but the premium will be impacted the following year by the insurer.
What happens when a driver has an accident while intoxicated or under the influence of drugs ?
The claim will not be covered by the insurer because it is an exclusion mentioned in the general conditions of all insurers. The insurer may also terminate the contract. The person will have to pay all the third party’s medical expenses, and it’s possible that they may pay for life.
Is car insurance mandatory ?
Yes, insurance is mandatory for all vehicles; it covers damages that one may cause to others. If a car is stolen and the thief causes an accident, the owner’s insurance will be liable.
What is the CRM for a novice driver ?
A novice driver is a person who has just obtained their license or someone who is taking their first insurance without having been declared in another policy. Their CRM will be 1.
Better understanding the CRM of a motorist.
Are there age limits for subscribing to a car insurance policy ?
Yes, there are age limits ranging from 18 to 75-80 years. Some companies have no age limit, but they are few. There is higher risk of insuring an elderly person than a person under 50 because their reaction time is much slower. After a certain age, people are no longer fit to drive.
Is an “all damages” coverage the same as comprehensive ?
The “all damages” coverage is a guarantee, whereas the risk is a protection scheme; they are not the same thing. Be careful not to confuse the two.
Is there a price difference between men and women in insurance ?
It is prohibited for insurers to charge different prices based on gender. Previously, insurers had the right; women paid lower premiums because it is proven that women cause fewer fatal accidents.
What factors influence the amount of the premium ?
The factors affecting the premium include age, family situation, driving license seniority, and vehicle usage by multiple people.
What is the difference between a premium and a contribution ?
A premium is reserved for insurance companies (such as Allianz, AXA) which are profit-oriented, while a contribution is used by mutual societies that are non-profit (e.g., Mutuelle de France Unie).
What is the name of the agreement that allows for quicker settlement of a material damage claim? And for bodily injury claims ?
The agreement for material damages is called the IRSA agreement (Indemnification and resolution of automobile claims).
The agreement for bodily injuries is called the IRCA agreement (Indemnification and Recourse for Automobile Bodily Injury).
What is the purpose of the Badinter law ?
It establishes the right to compensation for drivers involved in traffic accidents. This law aims to expedite the compensation process for victims of traffic accidents. The Badinter law dates back to July 5, 1985.
Do luxury or classic cars have special insurance ? Why ?
Yes, they have a dedicated insurance policy because the value of these cars is much higher than regular vehicles. For high-end vehicles, there is no franchise at 0. Few general agents sign contracts for such vehicles; to insure these luxury cars, it is necessary to go through a specialized broker.
What is the mandatory coverage present in all insurance contracts ?
The coverage present in all insurance contracts is liability coverage. It is the minimum required, especially in auto insurance, to compensate third parties in case of an accident.
You now have a broader overview of the various questions you might have about car insurance. These questions may vary depending on the specifics of your topic.
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