The policy of liability insurance is mandatory for driving the car in Italy. The same insurance companies may not refuse to sign a bill RC car, even if they are free to determine their condition.

Awareness and knowledge of the various opportunities of the insurance market can guide motorists to the Italian selection of the best possible solution that is not only one that offers the lowest insurance premium to be paid but also not leave out the insured at the time compensation.

We must always pay attention to the ceilings, which are the limits that insurance companies compensate in case of damage. The minimum limit is established by law, but raising the insurance premium of a few tens of euros, you can also increase the ceilings on compensation that, especially in the event of an accident with serious damage to people, can also be particularly high.

Another aspect to consider when making the choice of an insurance policy is one of the clauses of revenge, which in Italian Legislative allow the insurance company to claim against its insured after paying compensation for the damage that he has caused.

Insurance have the right to recourse against the insured for drunk driving or under the influence of drugs (including psychotropic drugs), or in case of serious traffic offenses, or in case of violation the rules of loading the machine. Increasing the premium paid for the bill, however, may also eliminate or reduce the terms of revenge, to get a wide coverage as possible in the unfortunate event of an accident caused by the insured.

Another important aspect of choice is one that concerns the tariff formula; the system calculates the premium to be paid to policyholders. The formula can be bonus, with relief, or bonus with relief, according to the different needs of the customer, the insurance contract between the motorists to his insurance company after payment of premium.

There are various pricing formulas, which are used to calculate the premium payable. The most important thing is that based on the bonus malus system, which requires motorists more virtuous (and therefore with a lower risk of accidents) pay a lower insurance premium for those who are statistically more inclined to incur accidents. This prediction is based on previous insurance history. The history of the insurance score is contained in a document called a certificate of risk, which shows all incidents in the last 5 years, and the class on the insured. The class of substance is a number that indicates the person’s level in the bonus malus system. The classes range from 1 (the one reserved for the best drivers who will benefit from a lower premium), at 18 ° (that of car drivers at higher risk, which will pay a higher insurance premium). And to allow comparisons between different passages insurance, you must use the parameters of the class on Universal (CU) established dall’ISVAP.

The insurance policies R.C. Cars can however also be signed with the franchise system, which provides that a part of the compensation payable remains always dependent on the insured person.

While the bill R.C. Car is mandatory, there are others that can be taken out for your vehicle, which are optional. One example is that of policies that protect the vehicle from events such as theft, fire or weather events. Another type of policy is the Casco that, unlike the RC Auto mandatory, does not protect the other players involved in the accident, but the vehicle that caused the accident or the vehicles that incurred in an accident with no other cars involved (exit road or overturning).

A complex world, that of insurance, but deeper into the tackle and you learn to know, and it makes it a valuable ally.