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Lot resident Martin Gilliam was recently involved in a car accident which resulted in him discovering what his French car insurance really covered – and what it didn’t! A valuable lesson for everyone who thinks “Tous Risques” covers everything… 
In France, insuring your main place of residence against fire, theft and natural causes is not obligatory but it is advisable. However, you do have to insure yourself against damage you could accidently cause your French neighbours 
