The auto insurance are required and to an accident or certain types of damage to the vehicle, the insurance company will cover all costs that have occurred not only the car owner but also to the people involved depending on the contracted policy.
This general principle has some major variants and points to consider for the coverage is agreed:
1. Complaint: The complaint must be made safe within 72 hours. the accident, otherwise there is no coverage. If no complaint with the insurance company within that period the only way to be covered is to demonstrate that it was impossible to communicate in the time required. The insurance company has 30 days to reject it and if nothing says insurance law states that is taken as accepted and is obliged to provide the agreed coverage.
2. Payment of Premium: Payment of the cost of the policy is set by the premium that is the cost of insurance. This value generally is divided into shares and must be paid on the due date of each grant for insurance coverage in case of an accident. The suggestion is to always have the receipts issued by the insurance company because if there is a discussion of non-payment in the form of term test will be, in principle, proof of payment, the card summary credit or debit card or bank transfer.
3. Franchise: A portion of money paid by the insured in case of accident. Therefore it is important to read the policy well before hiring because this varies according to the vehicle and insurance companies. In these cases, the insurance will cover damages when they exceed the value of the franchise.
4. Damage to vehicle: If the policy is “all risks” there will be no debate as to the total coverage of the car. Older discussions arise when insurance contract liability, that is, the policy known as “third party or third full.” In such cases there are two ways to establish coverage and is: a) Total destruction (repair exceeds 80% of the cost of the car) b) Total Damage (the value of the wreckage does not exceed 20% of the value of the vehicle ). Also, according to each policy covers minor damage but it will be promptly agreed.
5. Compensation for the insured: For the insurance company covering its insured must be one of the cases listed in the policy. Generally, it covers the insured when it comes to damage to your vehicle and all-risk coverage or when complete third but the damage total. In such cases damages for injuries shall be claimed from the insurance company who charged him.
6. Compensation for going in the car or for those who were hit: These payments must not make or receive at the time of the accident. Before an accident must be requested and give the personal data of the vehicle, the insurance company and witnesses that are in place. In case of intervention of the police and medical personnel you have to save all data to conduct research on subsequent events, monitoring of the criminal case and possible harm to the people involved. The compensation must be claimed to the insurance company embistente vehicle. If the insurance does not cover it should take legal action against the insured and the insurer.
In conclusion, we present each of the keys can be covered and claim what belongs. It makes clear that we must always assess the specific case and the discussion does not involve a claim timely advice but only suggestions on how to proceed.
This general principle has some major variants and points to consider for the coverage is agreed:
1. Complaint: The complaint must be made safe within 72 hours. the accident, otherwise there is no coverage. If no complaint with the insurance company within that period the only way to be covered is to demonstrate that it was impossible to communicate in the time required. The insurance company has 30 days to reject it and if nothing says insurance law states that is taken as accepted and is obliged to provide the agreed coverage.
2. Payment of Premium: Payment of the cost of the policy is set by the premium that is the cost of insurance. This value generally is divided into shares and must be paid on the due date of each grant for insurance coverage in case of an accident. The suggestion is to always have the receipts issued by the insurance company because if there is a discussion of non-payment in the form of term test will be, in principle, proof of payment, the card summary credit or debit card or bank transfer.
3. Franchise: A portion of money paid by the insured in case of accident. Therefore it is important to read the policy well before hiring because this varies according to the vehicle and insurance companies. In these cases, the insurance will cover damages when they exceed the value of the franchise.
4. Damage to vehicle: If the policy is “all risks” there will be no debate as to the total coverage of the car. Older discussions arise when insurance contract liability, that is, the policy known as “third party or third full.” In such cases there are two ways to establish coverage and is: a) Total destruction (repair exceeds 80% of the cost of the car) b) Total Damage (the value of the wreckage does not exceed 20% of the value of the vehicle ). Also, according to each policy covers minor damage but it will be promptly agreed.
5. Compensation for the insured: For the insurance company covering its insured must be one of the cases listed in the policy. Generally, it covers the insured when it comes to damage to your vehicle and all-risk coverage or when complete third but the damage total. In such cases damages for injuries shall be claimed from the insurance company who charged him.
6. Compensation for going in the car or for those who were hit: These payments must not make or receive at the time of the accident. Before an accident must be requested and give the personal data of the vehicle, the insurance company and witnesses that are in place. In case of intervention of the police and medical personnel you have to save all data to conduct research on subsequent events, monitoring of the criminal case and possible harm to the people involved. The compensation must be claimed to the insurance company embistente vehicle. If the insurance does not cover it should take legal action against the insured and the insurer.
In conclusion, we present each of the keys can be covered and claim what belongs. It makes clear that we must always assess the specific case and the discussion does not involve a claim timely advice but only suggestions on how to proceed.
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