Here are car insurance with a base fare and comfort fare

The comfort fare offers an excellent all-round protection; the base-rate offers a good protection to a very low price.

The coverage

What does coverage? This is the maximum compensation performance of the automobile liability insurance

what guarantees are currently in Germany:

Amount to € 7.5 million statutory minimum cover for personal injury, property damage for € 1 million and property damage associated with a person or property 50,000 euros. So 50 or € 100 million package for property damage, personal and property damage, the limit is a maximum of € 8 million per victim.

If the loss amount of coverage is exceeded, then takes the difference of the victim himself.

The Motor Insurance is always legally obliged to perform towards the victim, but of course only in the context of the coverage. for gross negligence must also meet the liability insurance their duty. Only if the alcohol is in play, has been established that the driver was drunk at the wheel or hit and run, unauthorized use, the insurer may redressieren up to 5,000 € per event by the driver. If the driver intentionally caused the damage, the insurer wills no claims.

Let us assume that the coverage is 100 million euro’s. This amount will also apply to persons, environment, property and financial losses. If there would be a big accident, you are covered for damage claims. The Motor Vehicle Liability Insurance will take over. So you back in the fall from 100 million euro are by your coverage level.

The sum insured for personal injury amounts to € 8 million per victim. You also get protection against the public claims under the environmental law. If an accident occurs, you are insured up to five million Euros, you are also insured up to € 10 million per year.

If property damage caused, it shall be the repair costs and a reduction in value, thereby taking into account the vehicle age, the amount of damages. If there is an economic or technical total

loss, you get the replacement value, but the residual value is deducted.