insurance

Learn the five steps to trigger your insurance with ease

A sinister happened, but you have no idea how to trigger your auto insurance? No problems! Next, we list the step by step to get assistance.

Knowing how to trigger auto insurance or motorcycle insurance is fundamental, whether it is just requesting tow trucks or other services . After a claim, this knowledge will ensure simpler and faster service by the insurer.

More than a way to protect yourself, vehicle insurance is a necessity for drivers. In general, they are the ones who reduce the losses of the owners in case of traffic accidents, robberies or car thefts, supplying in addition to the DPVAT insurance.

When taking out insurance, however, it is essential to know everything about your coverage and activation. Understand!

How insurance coverage works and how to trigger it

It is important to know that these conditions may vary depending on the insurance company.

For example: there is no point in contacting the insurer after a collision if your insurance does not have coverage for this situation.

In addition, there are rules about partial forfeiture and full forfeiture. In general, the partial loss is only paid by the insurer when the insured is at fault for the accident.

If the occurrence was caused by a third party, it is necessary that he pays for the damages in this claim . He will be able to do this through his third-party insurance coverage, or else take values ​​out of his own pocket.

In any case, your insurer will pay the damages and the third party will either flee the scene or refuse to pay the damages. But the possibility of holding the other driver accountable through legal proceedings remains open.

A partial loss happens when damage to the car is less than 75% of the vehicle’s market value. The integral loss is greater than 75%.

After an integral loss, or the theft or theft of the car, the user receives full compensation. The values ​​will be used for the purchase of a new vehicle, since the previous one can no longer be used.

How to claim auto insurance?

In general, insurers almost follow a standard for triggering insurance. 

Also, these steps are for those who need to trigger motorcycle insurance too. Look!

Flag the location

The first step after an accident is to check that no one is injured. If there are injuries, it will be necessary to call the SAMU or fire department, and request emergency assistance.

Victims should not be moved if the impact of the accident was severe. Bikers should never be moved, due to the risk of spinal damage.

Then, if the car can move without harming any of the individuals, it is necessary to remove it from the middle of the road. Soon after, you must signal the place.

Use the warning triangle to alert other drivers that there has been an accident ahead.

This signaling must be done if the vehicles are moved or not. It is still necessary to perform it after other types of claims, such as dry or electrical breakdown, lightning strike or fire.

Whenever the car is going to remain on the public road, waiting for help, it is necessary to notify the other drivers.

Register the occurrence

When there are victims of the accident, it is necessary to register an Occurrence Bulletin. The same goes for when the accident does not injure anyone but involves a third party vehicle.

Therefore, it is important to request data from all individuals and some witnesses, and then go to the nearest police station.

The BO will be required by the insurer when triggering the insurance.

If the accident involved other vehicles, the best thing to do is to avoid discussions with other drivers. There is no point in trying to pin the blame on someone else.

It is preferable to transfer this responsibility to the insurer, according to its assessment, technical criteria and traffic rules.

There may also be cases where the occurrence does not involve any third party. You might, for example, crash your car into a pole.

In this case, the BO will not be necessary. It will be enough to record photos and videos of the occurrence. The records will act as proof of what happened.

Contact the insurer

 To do this, you must call the company at the number indicated on your policy.

Therefore, always have the insurer’s contact information at hand. It is worth writing it down on your smartphone, and keeping the company’s business card in your wallet.

This will facilitate this step in the process to trigger your insurance.

With the record made, the insurer will assess the occurrence and verify that it complies with the rules of the contract.

This analysis is done, for example, to prove that the fire that occurred was not deliberate.

When claims are intentional, they constitute insurance fraud and will not be covered by the insurer.

To optimize the analysis by the insurer, seek to provide complete data on the date, time and location of the accident.

As well as data from other vehicles, if this is the case. Also provide a brief account of the occurrence of the claim.

As mentioned, photos and footage can help, regardless of the type of accident in vehicle insurance .

Take the car to the workshop

As soon as the insurer confirms the covered claim, the car is taken to the company’s accredited workshops.

Accredited companies have prior authorization to carry out repairs to the vehicle.

Many companies also allow consumers to choose their own, non-accredited repair shop.

However, in this case, the insurer must first approve the repair budget.

One of the advantages of accredited companies, in addition to the speed of the process, is that insurers offer extra benefits to users.

They include a discount on the deductible amount or additional daily rental car rentals during the repair period.

Pay the deductible or renew the insurance

Once the car is taken to the repair shop, you will need to pay the insurance deductible. The deductible is the value of the consumer’s responsibility when repairing the car.

The insurer will pay the remaining R$ 3 thousand. As soon as the deductible is settled by the consumer, the garage starts repairing the car. In accredited ones, it is common that the amounts can be paid in installments.

There is also the possibility of a complete loss. When it occurs, it is not necessary to pay a deductible. Instead, the consumer receives the full amount for the purchase of a new car.

Afterwards, the protection policy is terminated. If you purchase a new vehicle, you will need to take out new insurance.

Know that these procedures are also valid for motorcycle insurance. If in doubt, speak to the insurance company Zurich,  auto insurance, Card if insurance, contact telephone number or another company responsible for your policy. 

Now you know everything you need to trigger your insurance. To make this process even simpler, it is worth hiring protection with the right insurer.

So do a lot of research between companies. The best insurer is the one that offers all the necessary coverage for your vehicle, but also provides good care after an accident.

What if the insurer refuses to indemnify the insurance, what do I do? 

In case you have a problem with the insurer, if it refuses to pay the insurance, check the reason for the refusal. 

If she is not complying with the contract, contact SUSEP. You can clear your doubts in the “Consumer Protection and Guidance Guide”.  

If you are right, the only way is to file a lawsuit against the insurance company that does not want to pay the claim. 

Remember that in case of non-compliance with the rules, you lose the right to compensation. So, in that case, there’s no point in complaining. That’s why we always recommend reading the car insurance policy before signing the contract. 

Take the opportunity to resolve doubts with the insurance broker about claims, both for car protection and for motorcycle insurance. This way, you will avoid unpleasant surprises. 

When in doubt, talk to your broker and research what consumers think about the company.

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