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Good
Driving Record Statement
Austrian
automobile insurance operates on a "bonus-malus" basis,
under which a good driving record results in a discount in premiums,
and a poor one (e.g., being at fault in an accident) in an increase.
The discounts for a good history can be substantial. To benefit from
this initially you should bring a "To Whom It May Concern"
statement from your U.S. insurance agent, testifying that you have a
good driving record and specifying the number of years since you last
presented a claim for an accident in which you were at fault.
3rd Party Liability
In Austria
third-party car insurance (Haftpfichtversicherung) is compulsory.
This can be arranged via an insurance broker (Verischerungsmakler) or
insurance company. It serves to protect all road users. It
covers damage caused by your car to, another car, people,
property (trees, road equipment etc.), financial loss (e.g. if you
park your car in front of someone’s garage door and they cannot
go to work in the car, their costs would be covered by the 3rd party
liability) In Austria the 3rd party will not normally pay for costs
for a rental car for the person whose car is damaged by you.
Kasko Insurance
Covers damages
to your car (collision, vandalism, theft, fire, glass breakage,
etc.). Kasko insurance often contains a deductible, If your car is
older, you may prefer a partial kasko which is cheaper but does not
cover collision.
Passenger
Protection Insurance
Passenger
protection insurance compensates driver and/or passengers in the
event of a car accident leading to death or permanent disability.
This is an additional coverage. which pays irrespective of responsibility
Legal Protection
In Austria you
can buy a standard legal protection for the car and/or add cover for
consumer goods, legal advice, personal protection etc). The standard
legal protection for a car gives you legal advice/ clarification in
the event of a car accident.
What
To Do In Case Of A Car Accident Or Road Incident... |
