How do I use my Insurance Policy?

The range of insurers that offer auto insurance is huge, something for all budgets and needs, offer everything from basic coverage to full coverage, even some insurers include in their service, own the car damage, theft of the vehicle , attention to passengers, medical expenses, damage to third parties and roads, among others.

Insurance

Your insurance policy must integrate all of the following:

– Cover of the policy: You specify your data and your car, effectiveness, risks covered, the amount and frequency of pay premiums and deductibles
– Terms of the policy: It contains clauses which explain the risks covered, exclusions, definitions, operational and legal aspects of the contract
– Receipt of first payment and the deadlines to pay
– Directory of information on adjusters and service offices in the country
– Telephones for seeking care and insurance services
– Insured’s ID card

Before signing the receipt of your policy, it is very important to check that the data are correct, we recommend you also take out a copy for the original store in your home or office and is the copy that you bring in the car.

The most popular types of coverage offered by insurance companies are large, limited liability. There are other coverages such as Roadside Assistance and reinstallation of sum insured.

What to do in case of accident?

– Have on hand the policy number and / or insurance card
– If the damage themselves out to be minor, the third does not claim any payment and believe that the repair may be less than the deductible, resume your way
– If the damage is severe, do not move your car until the adjuster. Remember that if cars are blocking traffic, probably involving the agents and ask for your data
– If your car was still parked in an accident or the car that hit you ran away and your car can walk, move and report the accident to your insurer
– If you have not injured, do not allow the intervention of the police or some other third party, until you reach your adjuster
– If you need to go to a delegation, do it with your adjuster

What to do in case of theft?

– Have on hand the policy number and / or insurance card
– Report the theft to the insurance
– Go immediately to the delegation for taking the minutes. You must prove ownership of your car with the registration certificate or bill of the same

What to do in case of damage to third parties in their property?

– Have on hand the policy number and / or insurance card to report the incident
– Try not to move the car from where the accident occurred
– Avoid negotiating with third parties or go to another place while your adjuster arrives

What to do in case of damage to third parties on their person?

– Have on hand the policy number and / or insurance card to report the incident
– Check the status of the victim, if it is serious call to public assistance and / or emergency
– Avoid negotiating with third parties or go to another place while your adjuster arrives