The fine print that your car insurance policy may contain

Depending on the type of policy, we can cover the most unusual circumstances

One of the biggest concerns when buying car insurance is price. In most cases is what we usually do
choose the cheapest companybut it is likely that what really suits us is a policy with a specific cover.

When insuring our vehicle, we are faced with the question of which insurance is that
that best suits our needs and yes it is an All Risk or third party which is most convenient. Despite the fact that the law only requires civil liability insurance, most people opt for more comprehensive coverage, such as All Risks or Comprehensive Third Party Insurance. For example, it is advisable to take out All Risk insurance during the first 2 to 3 years of a vehicle after registration.

When taking out the cover, consider what help you may need and pay attention to any clauses in the so-called “fine print”.

So we need to know that
a third party policy does not cover personal damage, so that damage caused to a vehicle under this type of policy is only covered if caused by a responsible and identified third party. It is advisable to opt for extended WA coverage after 5 years old and Basic WA coverage after 10 or 15 years old. The main reasons for choosing Basic Third Party and/or Extended Third Party coverage are as follows:

Market value is the resale value of the vehicle at the time of the accident. In case of total loss, the compensation is calculated on the basis of the market value of the vehicle, which is significantly reduced after the third year of its existence. Parking garage.
Vehicles parked in garages They are less likely to be damaged by a third party or stolen.

Sporadic use of the vehicle considerably reduces the risk of accidents.

To study the wide range on the market, Autocasión recommends that you compare prices and contracts with an online insurance comparator. In addition, this portal reminds us of some specifics and circumstances that may or may not be included in our policy.

For example, losing the car keys. Some insurers have already included it in their policies. Modern cars usually have central locking, a copy of which can easily cost 100 euros.

If you have a copy,
you just need to call roadside assistance so they come pick it up. For this reason, it is always recommended to have a duplicate in your suitcase when traveling away from home.

It gets complicated if we don’t have a copy, but our insurer can also help us. They have our personal details, the chassis number of the car and the key code so they can order a copy for us and bring it to us where we have the immobilized vehicle.

Almost all types of car insurance, except for basic liability insurance, are
including window coverings. It is very common for a stone to jump off the road and hit the windshield, the windows or the rear window. But… what about the sunroof? . If the sunroof came standard, it is very likely that your insurer will also cover possible breakage or deterioration. This takes into account any damage caused by an attempted robbery or an accident. We recommend that you read your policy carefully, as sunroof repairs are usually very expensive.

On many occasions, as we travel,
we leave the bags or backpacks on the seat or in the trunk. It’s very easy to have it stolen from us. Many companies have created specific insurance policies for women, which are usually cheaper and provide specific coverage, such as for this type of theft.

The insurer can reimburse you for the bag and its contents, but also, if you have travel assistance cover, they can arrange for all cards to be cancelled. This way you prevent headaches.

Have you ever wondered if
you can ask for help with insurance if you like behind the wheel? The truth is that there is no barrier for a pregnant woman to drive a car during her pregnancy.

Many insurers offer assistance to pregnant women. In the event of an alarm, it is sufficient to park the car and wait for a taxi to collect the insured. Next, the company will be responsible for calling a tow truck to transport the vehicle home.

Policies designed for young people are beginning to incorporate this
part of the night aid. Thus, possible accidents are avoided when a drunk person gets behind the wheel. In these cases, the insurer will send a tow truck to transfer the vehicle and will pay for a taxi for all occupants to the address of the person who took out the policy.

In some companies, instead of a tow truck and a taxi, they will send you a driver to take you home in your own car. This cover is only offered in a certain time slot and a validity period is determined in advance. It is also usually offered for drivers of a certain age.

Your insurer can also help you. It is a big problem because at your destination you may not find the medicine you need or there is no pharmacy where you can buy it. Perhaps you have traveled to another country and it is not easy for you to find medical help.

If you have left your medicines at home, many insurers will arrange this
pick them up and send them to you. It is a service known to few and available in many travel assistance coverages. If you have to buy the medicines in a pharmacy before sending them, you will be charged for the costs.

Being in a car accident can be a very traumatic experience. There are people who develop a fear of driving. In many cases, consequences can be considered and you can request compensation from the insurer. In addition, they can provide the psychological treatment you need to solve the problem.

If you rushed the reservation a lot and
you run out of gas You can call your insurer and ask if fuel shipping is included. If your car is a diesel, the problem may be more serious: an empty tank can clog the injectors. Even if you fill up the tank, the vehicle may not run and must be towed to the shop. In both cases you pay for the fuel.

If for any reason you have to
transport some wounded and the upholstery is stained with blood or feces, the insurance may provide cleaning and conditioning of the interior of the vehicle, even if the insured was not directly involved in the accident.

One last circumstance is
if you lost the ticket of a parking lot. According to Law 40/2002 regulating public car parks, the company can charge a fee in case we lost the ticket, and they can charge you for 24 hours regardless of the time you parked.

After paying the costs, you can ask your insurance company if this incident is covered.
They could cover the costs and study possible claims against the company that manages the car park.

Source: La Verdad

Ida

I am Ida Scott, a journalist and content author with a passion for uncovering the truth. I have been writing professionally for Today Times Live since 2020 and specialize in political news. My career began when I was just 17; I had already developed a knack for research and an eye for detail which made me stand out from my peers.