The road to school is strewn with pitfalls!
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IStock / City Presse
Whether you accompany your child to school or go there alone like an adult, you are unfortunately never safe from an accident.
Depending on the circumstances and the people involved, different insurances may then intervene.
Here are the most common cases and the right coverage.
Facing the car, the pedestrian is always protected
True.
It is the Badinter law of July 5, 1985 which created a systematic "right to compensation" for any passenger, pedestrian or cyclist victim of bodily injury following a traffic accident in which a land motor vehicle is involved. .
It does not matter whether your child has been reckless or not, all the resulting health expenses, as well as any aesthetic damage and suffering endured, will be covered by the insurer of the driver in question.
It is only if the victim has deliberately caused his injuries or if he has committed an inexcusable fault that the driver is exonerated from his liability.
And again, the fault is not retained for minors under 16 years old.
The school is responsible in the event of an incident during school transport
False.
As explained above, it is always the responsible driver who is responsible for compensating damage to passengers.
And school bus buses are no exception.
In practice, it is the carrier's insurance that will intervene in the event of an accident occurring during the journey, even if it is itself reimbursed by that of the responsible motorist later.
School carpooling requires specific insurance
False.
If the sharing of the wheel by several drivers involves checking that your car insurance covers you, passenger compensation is however systematic.
As a third party to your contract, all the children you bring to school, in turn with other parents, are therefore protected by your automobile liability cover.
It is therefore not worthwhile to inform your insurer of these small services between families.
The owner of an animal is responsible in the event of a bite
True.
Did your child get a little too close to a dog and get bitten?
It is the civil liability insurance of its owner who will compensate it.
In order to benefit from more complete protection, it is however useful to have additional protections.
Your comprehensive home insurance contract may, for example, include a specific defense and recourse guarantee which will allow you to benefit from support during the procedure.
Other contracts supplement the compensation
True.
Whether your child is the victim of a driver, a dog or another pedestrian, two types of contracts are likely to give him the right, depending on the packages subscribed, to additional compensation: school insurance and insurance accidents of everyday life (GAV).
These agreements generally include an individual accident cover which intervenes for any bodily injury, whether the victim is involved or not and without the need for a responsible third party to be identified.
Please note: this guarantee is the only one to cover your child's health costs, in the event that he has injured himself, for example by slipping due to snow.
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The cyclo, not just any old way
From the age of 14, teenagers have the right to drive a moped.
Like any land motor vehicle, this means of locomotion requires ensuring:
Auto civil liability: this is the minimum compulsory protection.
It will compensate third parties if your child causes an accident.
Conversely, if he is the victim of a third party, it is that of the latter who will be activated.
Material damage guarantee: if your budding driver is at fault, only this protection will be able to reimburse the damage caused to his two-wheeler.
Individual accident cover: taken out as part of the cyclo insurance contract or another agreement, it will cover his bodily injuries.
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