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Car insurance: 6 keys to be well covered

Autos y Motos

20.01.2018 a las 20:09 hs 0 1 0

Car insurance: 6 keys to be well covered

The deadlines for making the complaint, how much should be paid for policy, types of coverage, and indemnifications. What you need to know to claim what is appropriate.
Car insurance is compulsory to be able to circulate and, in the face of an accident or certain types of damages in the vehicle, the insurance company will cover all the expenses that have occurred not only to the owner of the car but also to the people involved Depending on the contracted policy.

This general principle has some variants and important points that must be taken into account for the coverage to be agreed:
1) Complaint: The complaint in the insurance must be made within 72 hours. If the accident occurred, otherwise there will be no coverage. If there is no complaint in the insurance company within that period the only way to have the coverage is to show that it was impossible to communicate it in the required time. The insurance company has 30 days to reject it and, if it does not say anything the insurance law establishes that it is taken as accepted and is obliged to give the agreed coverage.

2. Premium Payment: The payment of the cost of the policy is established by the premium that is the cost of the insurance. This value is generally divided into instalments and must be paid on the expiration date of each one for the insurer to grant coverage in the event of an accident. The suggestion is always to have the payment vouchers granted by the insurance company because if there is a discussion about the lack of payment in term the way to prove it will be, in principle, the proof of payment, the summary of the credit or debit card or the T Transfer bank.

3) Franchises: This is a portion of money paid by the insured in case of loss. That is why it is important to read the policy well before hiring it because it varies according to the vehicles and the insurance companies. In these cases, the insurer will cover the damages when they exceed the value of the franchise.

4) damage to the vehicle: if the policy is "all risk" there will be no discussion as to the total coverage of the car. The biggest arguments arise when you hire insurance for civil liability, that is, the policy known as "third or third full". In such cases there are two ways to establish coverage and is: a) total destruction (the repair exceeds 80% of the cost of the car) or B) Total damage (the value of the remains of the car does not exceed 20% of the value of the vehicle). Also, according to each policy minor damages are covered but will be to the punctually agreed.

5) Compensation for the insured: In order for the insurance company to cover its insured, any of the cases listed in the policy must be given. Generally, the insured is covered when it comes to damage to your vehicle and coverage is against all risks or when it is full third but total damage. In such cases injury from injuries must be claimed from the insurance company of the rammed.

6) Compensation for the IBAN in the car or for those who were assaulted: these payments must not be made or received at the time of the accident. In the face of an accident, you must request and give the personal information, the vehicle, the insurance company and the eyewitnesses that are in place. In case of intervention of the police and medical personnel, it is necessary to keep all the data that allow to carry out an investigation on the subsequent facts, follow-up of the criminal cause and possible injuries of the persons involved. The indemnifications must be claimed before the insurance company of the embistente vehicle. If the insurer does not cover it, the insured and its insurance company must be prosecuted.

In conclusion, if we have each of the keys present it is possible to be covered and claim what is appropriate. It is clarified that you always have to evaluate the specific case and the above does not imply advice to the claim on time but only suggestions of how to proceed.

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