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Practical Guide
Car accident: which insurance pays what?
In matters of traffic accidents, several insurances intervene according to each person's role. The liability insurance of the owner of the responsible vehicle covers personal injury and material damage caused to third parties (art. 58 LCR); direct action against its insurance is possible (art. 65 LCR). The LAA covers…
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Applicable law articles
Critical Deadlines
- Identification of the insurance policies involved — immediately after accident
- Declaration to each insurer concerned — in the 14 days according to policies (LCA 38 / LAA 45 / LCR 65)
- Coordination and advances — 30 to 90 days
- Seizure of the court or intervention of a legal professional — before the statute of limitations expires (LPGA 56 / CO 60 / LCR 83)
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