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Auto Insurance

Accidents can happen, even when you do your best to mitigate traffic risks. That is exactly why you should have ARAG at you rside for Legal Protection that will cover you and your family members in all types of trafficsituations.

 

Traffic:

What does this insurance cover?

The option Traffic protects you (the policyholder), and the members of your family (cohabiting partner and relatives by blood or marriage in a straight line) for risks related to traffic. This insurance is not tied to a specific vehicle, but instead protects you and your family for all means of transport. For example, as a pedestrian or cyclist, as a driver of a vehicle that belongs to a third party, or as an occupant of public transport-- we will protect you, whether you are the victim or the violater.

Examples of Interventions:

During your bike ride to work, you are injured as the victim of a traffic accident. However your insurance company refuses to recognize this as a work injury. In this case, we will represent your interests as an accident victim.

You are driving the vehicle of a friend and fail an alcohol detection test. The police takes away your license because your alcohol level is too high. We will help you get your driver's license back as soon as possible.

During roughhousing on the bus, your child's glasses break. The insurer of the liable family will reimburse you for the glasses, but there is still a discrepancy in the amount owed. ARAG will reimburse you for the cost, and take over the conflict between you and the other party.

 

Mobility Gold: Traffic + motorized vehicle

What does this Insurance Cover?

The Mobility Gold option insures you (as a natural or legal person) and your dependants (partner and relatives by blood or marriage in a straight line) for risks related to one or more vehicles, and risks related to traffic. The insurance covers the authorized drivers and occupants of the insured vehicle, free of charge.

You are insured as an owner, holder, driver or occupant of the vehicle, and also simply as a transportation participant. For example, you will be insured as a pedestrian or cyclist, as a driver of a vehicle that belongs to a third party, and as a passenger of any means of public transportation.

By vehicle, ARAG means any motor vehicle that travels on land, water, or in the air – including trailers and caravans. If the vehicle is temporarily unqualified for use, the warranty will be extended to a replacement vehicle instead.

Examples of Interventions

Your Omnium insurer underestimated the value of your vehicle prior to an accident. ARAG proposes an opposing expertise, and encourages the insurer to give you a higher compensation pay-out.

Children throw stones at your car. The insurer of the liable family will reimburse you for the repair, but a discrepancy between the amount owed continues to exist. ARAG will first reimburse you for the cost, and then take over the conflict between you and the other party.

The authorities refuse to issue you a driving license due to physical disability. You want to challenge this decision, and ARAG will defend your case in court.

 

Family Mobility Gold: Traffic + motorized and other vehicles

What does this insurance cover?

The formula Family Mobility Gold insures all vehicles (whether motorized or not ) of you (as a physical person) and your dependants (partner and relatives by blood or marriage in a straight line) for a single premium. The insurance covers the authorized drivers and the the occupants of the insured vehicle (owned or leased) free of charge.

You are insured as an owner, holder, driver or occupant of the vehicle, and also simply as a transportation participant. For example, you will be insured as a pedestrian or cyclist, as a driver of a vehicle that belongs to a third party, and as a passenger of any means of public transportation.

By vehicle, ARAG means any motor vehicle that travels on land, water, or in the air – including trailers, caravans, bikes, boats, quads, and more.

There is no limit on the number of vehicles, or the type of vehicles – on the condition that they are not used exclusively for business purposes and/or the paid transport of goods or people.

 
 

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