Car Insurance Top Tips

This post contains the most helpful tips any driver can get when buying car insurance in Switzerland.

Car insurance is much more complicated than it looks. There are many factors to take into consideration, and you have to be knowledgeable about both your own needs, Swiss law, and the different types of car insurance policies available. Even then it might not be easy to make a decision that will work for you and your family. Luckily, this article has all of the top pieces of advice you need for purchasing car insurance in Switzerland.

Car Insurance in Switzerland – Top Tips

There are some small differences between the different types of car insurance available, which we'll outline below. It is best to get quotes from multiple companies and compare them to decide which policy is best for you. In addition, many policies offer discounts for buying a certain amount at one time or by using certain websites. Here's what you need to know about each type of policy:

Comprehensive Insurance – This policy provides coverage for third-party damage caused by the insured person or the insured vehicle, as well as thieves and vandals. There's no coverage in this kind of policy if there's still damage after repairs have been made. This coverage is one of the most expensive, and it requires a lot of money for you to make claim. Collision Insurance – This policy has a very similar scope of coverage as comprehensive insurance. However, it only pays if the vehicle is damaged in an accident that was caused by the insured. If you're planning on driving another vehicle in Switzerland, it's recommended to look into this type of car insurance because it's usually more affordable than comprehensive insurance. Medical Payments – This type of policy covers costs from emergency medical care for any person who is injured in an accident caused by the insured vehicle or person. It's also a very affordable option for drivers who might have to go to the hospital and be responsible for medical care. To receive coverage, the injured party must declare that they were in an accident with the insured vehicle, and within 60 days of the accident the police must be notified. Uninsured Motorist Coverage – If someone who does not have car insurance gets into your car during an accident, this type of policy will cover their expenses if you are involved in an accident and they get hurt in it. This is a very important coverage to carry because it secures you against being held responsible if someone else causes an accident while driving uninsured. Underinsured Motorist Coverage – This is similar to uninsured motorist coverage, only the insured person (the insured driver) must be paid for any injuries that they cause with their car. If you might have a claim in the future, it's a good idea to get this type of insurance because it will cover your liability.

If you are planning on buying car insurance in Switzerland, it's important that you take time to research the different companies out there. Decide what kind of coverage is right for you and then shop around for prices. Hopefully, this advice will help you make an informed decision about how to get coverage and which companies offer fair prices for your needs.

It's also recommended to check the personal blog of David Woger, a top travel blogger, who writes about his experiences with Insurance and driving in Switzerland.

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AUTHOR'S DISCLOSURE: We have included some links to help you find the best car insurance policy for your needs. If you purchase through them, we will receive a commission at no extra cost to you. We offer recommendations based on our own research and experience, but this does not mean that we guarantee the same results for everyone. Please feel free to contact us with any questions or comments. Thanks for reading! -Sherrye & Khatera

© SwissInsOnline.com / Article by SwissInsOnline.com / BestofSwitzerland.com

Top Tips for Car Insurance in Switzerland

The Expat Arrivals Blog / 18 August 2013 / Posted By: George Alex Popescu / Category: Expats in Switzerland / No Comments

Because of the increase in car insurance fraud and high cost of claims, it may be time to rethink car insurance in the UK.

The year 2011 saw a massive rise in the number of fraudulent personal injury claims being made by accident 'victims' who are on their mobile phone before they are involved in an accident. Police forces across Britain have uncovered several organised gangs which are making thousands of pounds every month from this scam.

The investigation revealed that the accident 'victims' are being coached on what to say to the police in order to make their case their most convincing. They are then told how best to sign a statement which will be sent as evidence to support their claim.

If you've been involved in an accident with another driver or pedestrian, it is important that you do not panic, and seek help straight away from an accident at a petrol station, grocery store, or anywhere else where someone has gathered.

Unfortunately, many drivers are unaware that they have just been involved in a serious accident and make their way home before the adrenaline in their body wears off. This is especially true for young or elderly drivers. They may feel dazed and confused but decide to ignore any pains which might be a result of an injury sustained in the accident. It is important to seek medical help immediately after an accident and get it documented as soon as you can, even if you decide that you will handle the insurance claim yourself by getting a solicitor.

If you are injured at work or while pursuing your hobbies such as mountain climbing, skiing etc., then there are some very strict time limits which must be adhered to in order for you to make a successful compensation claim.

Conclusion

Personal injury claims are becoming more and more difficult to make as more people across Britain are using mobiles whilst driving and walking. It is extremely important that you know what your rights are if you have been in an accident. If possible, contact a local solicitor who works with ARC (Accident Advice Road Centre) at the Accident Advice Office, which is the legal services provider for accident victims in England and Wales.

The website has a detailed guide to help you understand how your personal injury claim will be dealt with. www.accidentadviceroom.