Aréas Motor third-party liability (Auto Priorite Essentielle Etendue Optimum)

Aréas' compulsory third-party liability guarantees unlimited compensation for bodily injury caused to third parties by the insured vehicle, included in all three formulas (Priorité Essentielle, Étendue, Optimum).

Property damage caused to third parties is covered up to €100 million; ecological damage (préjudice écologique) is covered up to €1.12 million. Included in all three formulas.

Défense Pénale et Recours Suite à Accident (DPRSA) and Protection Juridique are included in all three formulas. Under Protection Juridique, Aréas' total settlements (lawyer fees, costs) cannot exceed €8,000 TTC per claim; arbitration costs in case of disagreement are covered up to €765 TTC. Under the separate assistance convention, legal representation fees abroad are covered up to €770 TTC and criminal bail can be advanced up to €7,700 per person.

The insurance automatically provides green card cover in all countries where the international green card is valid, for trips of up to 3 months maximum; in France the green card only constitutes a presumption of insurance. North Korea is an excluded country, and the updated exclusion list is published on AWP France's website.

Assistance is an optional add-on in every formula (Assistance 25km is an option in all three formulas; Assistance 0km and Assistance 0km + replacement vehicle are unavailable in Priorité Essentielle and optional in Étendue/Optimum). Under the assistance convention: roadside repair (dépannage) is covered up to €185 (€300 at night/weekends/holidays); towing (remorquage) up to €185 in Metropolitan France or €250 abroad (€300 at night/weekends/holidays); hotel costs up to €80/night, max 2 nights; taxi costs up to €80; medical costs abroad up to €153,000 per beneficiary; a replacement vehicle is provided for up to 7 days (breakdown), 15 days (accident) or 30 days (theft); the breakdown assistance formula includes a 25km deductible from the home address.

The €400,000 driver accident guarantee (Niveaux 1 and 2) is included in all three formulas; higher levels of €1,000,000 and €2,000,000 are available as paid options in every formula. In case of the driver's death, heirs receive an immediate €3,500 advance on the indemnity. Indemnity is reduced by 50% if the driver was not wearing a seatbelt at the time of the accident. If Niveau 3 is subscribed, a death capital is also paid, and cover ceases at the end of the insurance year in which the insured turns 80.