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Is it true that insurers no longer cover Crit’Air 3 vehicles if they have an accident in a low-emission zone? – Liberation

Question asked on January 9 by D.Smith

Since the start of the year, traveling by car in four French metropolises has been accompanied by new constraints. In accordance with the provisions provided for by the mobility orientation law (LOM) of 2019, reinforced in 2021 by the “climate and resilience” law, and now prohibit vehicles classified Crit’Air 3 – gasoline and hybrid cars registered before 2006 and diesels before 2011 – to circulate on the roads. Objective : “restrict the circulation of the most polluting vehicles in the city to reduce pollution”, notes the French administration website. These two cities in fact know “regularly exceeding regulatory thresholds” air quality, explains the same source. The cities of and have also decided to voluntarily apply this traffic restriction, even if they are not required to do so by law.

“No need for additional texts”

A new environmental provision castigated by motorists and politicians, who also denounce several related consequences. Example on Idriss Aberkane’s YouTube channel, which has more than a million subscribers. The latter, who presents himself as a speaker and consultant, received Pierre Jovanovic on Wednesday January 8, “journalist and writer” as indicated in his biography on

“In Lyon alone, 135,000 vehicles are classified Crit’Air 3, that is to say one vehicle in four. And in , roughly 9 million people drive diesel vehicles before 2011 and gasoline vehicles before 2006, or 21% of the vehicle fleet. introduced Pierre Jovanovic. According to data transmitted by AAA Data to BFMTV, 8.84 million people drive this type of vehicle in mainland France.

And the journalist continued: “We see dramas being prepared. The real problem is that insurance companies will no longer insure cars that are no longer allowed to return. [dans ces zones]. If you have an accident and your car is prohibited [car Crit’Air 3] and you have a collision or a serious accident, your insurer will take the opportunity to tell you “Screw yourself” […]. This is absolute discrimination […]. A real scandal.”

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When an Internet user mentions, in response to a post on “nothing found stipulating that Crit’Air 3 cars will no longer be insured in a ZFE”, Pierre Jovanovic replies that he “there is no need for additional texts”, car “since it’s forbidden to be there with a Crit’Air 3 car and above, they simply won’t provide insurance.”

Insurers claim to be “required to ensure continuity of insurance” regardless of the area

This statement is unfounded, say the insurers contacted by CheckNews. “We insure, regardless of the area where the vehicle is traveling, and even if it is in an area where the motorist is not supposed to travel. We are required to maintain insurance continuity,” says Julien Hue, damage insurance director at Macif. The insurance company claimed to cover 6.32 million automobile insurance contracts as of December 31, 2022. “We manage the disaster regardless of the area”reassures the director, while specifying that he has received since the beginning of the year numerous “questions from members” on this question.

Same response from the insurer Axa : “There is nothing in our contracts concerning the mention of Crit’Air 3 that we could oppose to our client in the event of a disaster.” This will therefore be “property taken care of if the insured is responsible and as damage guarantee if it is present in the contract”. France Assureurs, a professional representation body for insurance companies, formally denies, citing “a simple rumor”.

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