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Auto insurance: Coverage that reassures

The material damage that a traffic accident can cause, injuries depending on the severity, cost a lot of repair, hospitalization and care. Civil liability is another form of protection that provides a certain peace of mind and protection to the driver who is never immune to a car accident involving pedestrians, other drivers may be accompanied by passengers.

To better understand the issues and the importance of automobile insurance, L’Opinion provides its readers with this lexicon, written simply to help understand the need – even if automobile insurance is compulsory! – this constraint, often badly experienced by drivers with regard to the prices charged by the profession. Automobile insurance in Morocco is insurance intended for motor vehicles insured in Morocco and circulating in Moroccan territory or in the green card zone (certain European countries) or the orange card zone (certain Arab countries). It has been compulsory since 1958 and is governed by Law No. 77-99 relating to the Insurance Code. It is made compulsory by the law of January 20, 1969, relating to the compulsory insurance of vehicles on the road. The insurance obligation only concerns the “civil liability” guarantee, or more simply the damage caused to third parties and passengers. This obligation does not concern the many guarantees offered by insurance companies when taking out an automobile insurance contract.

The guarantees offered are independent of each other, in the subscription as in the implementation. In the event of a responsible accident, even if the driver does not have the “all risks” guarantee, the driver protection guarantee and the defense recourse work.

This guarantee only covers damage caused to other property or persons, therefore to vehicles struck, injuries to car users other than the responsible driver, such as pedestrians, but also damage to material goods of all kinds (street lights , walls, buildings, etc.).

The civil liability guarantee covers the “defense of recourse” guarantee, which allows amicable or legal defense, recourse on behalf of the insured following a claim vis-à-vis injured or liable third parties.

The driver’s protection covers bodily injury in the event that his liability is engaged or when there is no third party identified. Driver protection can be assimilated to an “individual accident”, which may be included in the automobile contract or taken out separately. The guarantee covers the medical costs following the accident, the loss of income following the disability, the costs of fitting out the insured’s home such as, for example, the installation of a ramp, the salaries of helpers. at home following the loss of autonomy. In the event of death, there may be reimbursement of funeral costs, payment of a fixed capital or an annuity.

CEILINGS, FRANCHISES – The guarantees offered by insurance companies are generally limited by ceilings, deductibles CEILINGS – The guarantee ceilings, or disbursement limits, are the maximum amounts on which the insurance company commits. They depend on the risk to be insured and are rarely negotiable.

Deductibles – Deductibles are the amounts that remain the responsibility of the insured in the event of a claim. In automobile insurance, the deductibles are generally absolute and most of the time fixed, BONUS MALUS

Insurance for persons transported by automobile – The guarantee for persons transported by automobile (PTA) was launched on the Moroccan market by insurance companies in the 1970s, just after the publication of the dahir of January 20, 1969 relating to the Compulsory road vehicle insurance, to cover people excluded from civil liability coverage and more specifically family members of the insured or the driver.

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