L’ASSICURAZIONE R.C.A. 1º PARTE - SPIEGAZIONI TEORICHE PER L’ESAME - TUTTO QUELLO CHE SERVE SAPERE

What I explain in my videos can complement, but not replace, the theory and driving lessons you can take at a driving school. ✔️ SUBSCRIBE TO THE CHANNEL --- @reOggiAndreaBrusadin ✔️ VIDEO DISCLAIMER: @d28E ✔️ INSTAGRAM: @_oggi/ ✔️ FACEBOOK: @oggi 🔴 Want to help SUPPORT THE CHANNEL? You can also deposit a small amount into your PayPal account here --- https://www.paypal.com/paypalme/my/pr... or email @[email protected] DRIVING LICENSE EXAM THEORETICAL EXPLANATIONS: RCA INSURANCE – PART 1 Insurance is also identified by an acronym, RCA, which stands for Auto Third Party Liability, but which also applies to motorcycles, mopeds, and all other vehicles. But what is third party liability? I've already explained it in this video, along with other forms of liability, namely criminal and administrative liability. To see it, I've left the link below in the description, or just click on the text that appears in the top right. To summarize, third party liability requires that all damage caused to others—that is, to people, property, animals, and even to third parties transported, i.e., people in the car with us—must be compensated. All motor vehicles, and in some cases even non-motorized ones, must be insured in order to drive on public roads, or even simply park on public property. This way, in the event of an accident, we can be sure that the person who suffered the damage will certainly be compensated by the insurance company of the person who caused it. We must also keep in mind that civil liability falls SOLIDLY, that is, equally on both the vehicle owner and the driver. But up to what amount is the insurance company willing to pay to cover our damages? Is it an infinite amount? Obviously not, there is a limit, and this limit is called the MAXIMUM COVERAGE, or the maximum amount the insurance company will pay to compensate for the damages we cause. And the law establishes the minimum coverage that the insurance company must guarantee, which is currently just over seven million euros. In short, the insurance company is required by law to guarantee coverage of at least seven million; Which MAY seem like a lot, but it might not be enough in the event of very serious accidents... or if we hit Ronaldo. If the compensation amount exceeds the maximum coverage, the driver and the owner, jointly liable, will be responsible for paying the difference out of their own pockets. So, for example, in the event of an accident with damages amounting to eight million, the insurance company will pay seven million, the maximum coverage, while the driver of the vehicle... and the owner will pay one million. The maximum coverage, however, can be increased to any amount, at the discretion of the policyholder—that is, us, who sign the contract with the insurance company. Obviously, this increase will come at a price. And the amount we pay annually to the insurance company to benefit from coverage has a name, and it's called the insurance premium. So, to quote a question we might find in quizzes, we can say that "the maximum coverage of the R.C.A. (third party liability auto insurance) policy can be increased, at the customer's discretion, by paying a higher sum of money (insurance premium)." The answer is obviously true: the higher the required coverage, the higher the premium will be. When signing the contract, the insurance company will issue us with documents, which are now almost all in digital format, not paper—that is, they will be sent to us via email. These documents are the Policy, the actual contract containing all the insurance information in detail. We will then be given the insurance sticker, which was the square document that until a few years ago was required to be displayed on the car window. We will also receive the annual certificate of risk, which is the document listing the accidents in which the insured vehicle has been involved in previous years. The only document that remains paper-based is the insurance certificate, which we must always keep with us in our vehicle and show to officials if requested during an inspection. In the next video, we'll focus on the insurance formula known as bonus-malus, the guarantee fund for road accident victims, and additional, non-mandatory, policies that we could take out alongside third-party liability insurance, such as comprehensive insurance, theft and fire insurance, and many others. These topics often pose challenging questions in quizzes. We'll see you soon with the next video, again here on the Guidare Oggi con Andrea channel. #insurance #civilliability #limit