What does the fully comprehensive insurance pay?
The fully comprehensive insurance pays significantly more than the partial comprehensive insurance and for this reason the insured also have to pay higher contributions. Such an insurance is particularly worthwhile for a new car or an annual car. In these instructions you will find out what exactly is covered by the fully comprehensive insurance.
Fully comprehensive insurance differs from partial comprehensive insurance
- If you have your own vehicle, you must definitely take out insurance. According to German law, at least one liability insurance is required. You can then also choose to do one Partial coverage- or take out fully comprehensive insurance for your vehicle.
- Both types of insurance differ significantly from each other and many things that the fully comprehensive insurance pays are not covered by the partially comprehensive insurance. As a rule, you should opt for the more expensive insurance option, especially for a new or annual vehicle, because a lot of money is at stake with these vehicles when it comes to one accident comes.
- If you have partial comprehensive insurance, you pay significantly lower insurance fees than with fully comprehensive insurance, but you also receive significantly fewer benefits. In the event of an accident, the partially comprehensive insurance only counts the damage caused to the opposing vehicle; you have to pay for your own damage yourself. In the event of a wildlife accident, the partially comprehensive insurance only pays if you have not avoided it.
What exactly the insurance pays
- With fully comprehensive insurance, you can enjoy excellent all-round protection for your vehicle. The insurance pays for all damage that has occurred to the opposing vehicle and also to your own vehicle.
- Even if you were responsible for the accident yourself, the insurance will cover the full amount costs. In the event of a wildlife accident, the fully comprehensive insurance even pays if you avoid the animal and, for example, roll over, which is of course not the case with partial comprehensive insurance.
- In general, it can be said that fully comprehensive insurance largely covers all costs and pays for everything that occurs in the event of accidents and other problems. In the event of a total loss, the insurance company will even cover all costs and pay you back the purchase price.
- With such an insurance, nothing can actually happen to you, at least financially. For this you also have to pay significantly higher insurance amounts than with partial comprehensive insurance.
Deductibles for fully comprehensive insurance - you have to pay attention to this
In addition to compulsory insurance (motor vehicle liability), motor vehicle insurance also includes ...
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