Air travel, train travel or bus travel are always popular, but possible, but the necessary relaxation and flexibility is still with your own car. Drive straight from home and take a lot more luggage with you (depending on the size of the car) than is possible with the other types of travel. With no other vehicle can you enjoy your vacation so relaxed and limitless as with your own car. Especially in this current, still somewhat different life situation (corona pandemic), it is once again something special to rethink your vacation.
How about a round trip through Germany to the most beautiful corners and spend the night in holiday apartments or on campsites with your own car. Complete freedom: Whether with a luggage trailer, roof box or bike rack, maybe even a caravan attached, your own car is there to offer all travel preferences and get started. The suitcases packed, the car cleaned and made fit to travel: the oil changed, the brakes checked, the tank filled, the navigation device set and the journey can begin. Well almost, because the most important thing should not be forgotten: the conclusion of a car insurance that covers all matters that are necessary for a trip but also for everyday life, in case something happens.
2. Check insurance
What should you look out for in insurance? Here are a few tips
Pay attention to the amount of coverage of the motor vehicle liability insurance and what else is covered? Motor vehicle liability insurance is required by law in Germany. Without it, you will not receive a registration for your vehicle. With the best insurances, you and your car are usually covered with 100 million euros flat-rate coverage and up to 15 million euros coverage per injured person.
- Partially comprehensive insurance: Partial comprehensive insurance is voluntary and offers additional insurance protection in the event of damage to your own vehicle. Here at the insurance company, look at what is insured and covered.
- Fully comprehensive insurance: You should take out fully comprehensive insurance, especially for newer cars. With fully comprehensive insurance, in addition to all partially comprehensive insurance benefits, the insurance covers the costs of self-inflicted accident damage to your own vehicle and willful or malicious damage by third parties.
And what do you do if it “pops”? Looking for professional help:
3. Motor vehicle appraisal from a professional
Sometimes it happens faster than you think and the most beautiful holiday joy is spoiled when the car is involved in an accident, even if the car is “supposedly” minor damage to the body, thoughts revolve around the coming trouble with the person who caused the accident and insurance companies. That doesn’t have to be the case if you are looking for professional help Motor vehicle appraiser get. After a traffic accident, a precise and careful assessment of the damage to the car is very important. You shouldn’t let yourself be fobbed off here, but rely on external know-how. Such an expert then usually determines the costs for the repair neutrally and creates a vehicle report, which then serves as the basis for the settlement / settlement of the damage.
Sometimes you might think that a normal cost estimate from your home workshop is sufficient, but not all insurance companies accept it. Because, in the opinion of experts, a cost estimate has no evidence-securing function and is not. The report serves to clarify matters and to secure your own claims.
And the cost of a professional vehicle appraisal? If you are not responsible for the accident yourself, the insurance of the person who caused the accident bears the necessary costs in the event of liability damage, including a damage report. There may be exceptions if the damage remains below 1,000 euros (minor damage). If you were to blame for the accident, things are different, namely the way your own insurance contract suggests. In this way, the benefits in the event of comprehensive damage can be regulated individually. It is important to speak to your own insurance company immediately after the accident. This will then inform you about how to proceed.
If it happens, you should definitely seek advice from a professional before long trouble with the insurance company arises after the shock of an accident. Professional vehicle appraisers usually offer services on the subject of accident reports and damage reports, through cost estimates to vehicle valuation and appraisals.
May the worst ever happen, have a great vacation!