Comme tous les autres types de v\u00e9hicules motoris\u00e9s destin\u00e9s \u00e0 circuler sur les routes marocaines, les voitures \u00e9lectriques doivent imp\u00e9rativement \u00eatre couvertes au minimum par la responsabilit\u00e9 civile. Cette garantie, que l\u2019on retrouve dans l\u2019ensemble des offres d\u2019assurance auto depuis les assurances auto au tiers jusqu\u2019aux assurances tous risques permettent de couvrir le montant des dommages corporels et mat\u00e9riels caus\u00e9s par le conducteur \u00e0 d\u2019autres usagers de la route suite \u00e0 un accident responsable.
\nMais comme son nom l\u2019indique, la responsabilit\u00e9 civile ne couvre que les dommages caus\u00e9s aux tiers et pas ceux que l\u2019usager pourrait causer \u00e0 son propre v\u00e9hicule ou \u00e0 lui-m\u00eame.
\nAinsi, si la responsabilit\u00e9 civile comprend les garanties minimales d\u2019assurance auto auxquelles l\u2019usager doit souscrire pour pouvoir rouler en toute s\u00e9curit\u00e9, d\u2019autres formes d\u2019assurances auto seront plus \u00e0 m\u00eame de prot\u00e9ger efficacement le v\u00e9hicule. Ceci est d\u2019autant plus vrai pour les voitures \u00e9lectriques, dont le prix d\u2019achat est g\u00e9n\u00e9ralement plus important que celui des v\u00e9hicules thermiques \u00e9quivalents.<\/p>\n
De nombreux usagers de la route louent la batterie de leur voiture \u00e9lectrique au constructeur. Or cet \u00e9l\u00e9ment essentiel de leur v\u00e9hicule fait partie des pi\u00e8ces les plus on\u00e9reuses des voitures \u00e9lectriques et les automobilistes responsables d\u2019un accident de la route seront tenus de la rembourser si cette pi\u00e8ce devait \u00eatre endommag\u00e9e \u00e0 la suite d\u2019un accident de la route.
\nEn souscrivant une assurance auto tous risques ou les garanties compl\u00e9mentaires permettant de couvrir les dommages subis par les v\u00e9hicules, les conducteurs de voitures \u00e9lectriques s\u2019assureront que les dommages subis par la batterie de leur voiture suite \u00e0 un accident responsable seront bien pris en charge par leur assureur.
\nN\u00e9anmoins, certains constructeurs incluent avec le contrat de location de la batterie toutes les assurances n\u00e9cessaires pour couvrir cet \u00e9l\u00e9ment essentiel des voitures \u00e9lectriques. Les automobilistes devront donc relire le contrat de location de la batterie de leur voiture afin de v\u00e9rifier si elle est d\u00e9j\u00e0 assur\u00e9e ou non.<\/p>\n
Si les usagers de la route ne souhaitent pas souscrire une assurance auto tous risques pour leur voiture \u00e9lectrique mais qu\u2019ils veulent tout de m\u00eame que celle-ci b\u00e9n\u00e9ficie de protections int\u00e9ressantes, ils peuvent faire le choix se tourner vers un certain nombre de garanties compl\u00e9mentaires parfaitement adapt\u00e9es aux voitures \u00e9lectriques.
\nC\u2019est notamment le cas de la garantie assistance 0 kilom\u00e8tre, car les usagers circulant au volant d\u2019une voiture \u00e9lectrique ne sont jamais parfaitement \u00e0 l\u2019abri d\u2019une panne s\u00e8che. De plus, si la taille du r\u00e9seau de bornes de recharge publiques est en constante augmentation, les automobilistes ne sont pas toujours certains de trouver un tel dispositif avant que leur voiture ne se retrouve avec la batterie \u00e0 plat.
\nLa souscription \u00e0 d\u2019autres garanties compl\u00e9mentaires, comme les garanties \u201cvol\u201d, \u201cincendie\u201d ou bien encore \u201cbris de glace\u201d est fortement recommand\u00e9e car elles permettent de prot\u00e9ger le v\u00e9hicule contre certains dommages sp\u00e9cifiques.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Est-il obligatoire de faire assurer une voiture \u00e9lectrique ? Comme tous les autres types de v\u00e9hicules motoris\u00e9s destin\u00e9s \u00e0 circuler […]<\/p>\n","protected":false},"author":1,"featured_media":26296,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"gmb_114395098992411388296_accounts\/114395098992411388296\/locations\/12006445379806666969":"","linkedin_vd11fNtDAd_vd11fNtDAd":"","twitter_1300405782383558656_1300405782383558656":"","tumblr_wattscdotcom_wattscdotcom":"","facebook_1791781087687796_116085383271852":"","gmb_107160579247662550978_accounts\/107160579247662550978\/locations\/12097786389432444087":"","gmb_107160579247662550978_accounts\/107160579247662550978\/locations\/10051390009109310933":"","gmb_107160579247662550978_accounts\/107160579247662550978\/locations\/12006445379806666969":"","facebook_1791781087687796_17841456517942081":"","linkedin_PK5Ejlb2VU_105025086":"","linkedin_PK5Ejlb2VU_37419926":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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