5 reasons to have car insurance at Christmas

Still not sure if it's worth having car insurance this Christmas? Well, read on and find out why it's so important to have protection!

Taking out insurance for your vehicle is a great option at any time. Even more so at the end of the year, when the number of accidents and thefts increases throughout the country. If you are still not convinced about having car insurance this Christmas, this article is for you.

First of all, it is important to highlight the financial protection that comes with insurance. As a service, the consumer does not assume the loss alone. Instead, they share it with the insurer, paying only the plan's deductible. This way, their finances do not get out of control.

An insurance deductible is the amount that the consumer is responsible for in the event of an accident. For example: an accident deforms the vehicle's bodywork, and its repair will cost R$1,000.

Since your deductible is R$300, you will be responsible for paying R$300 for the repair. The insurance company will be responsible for the remaining R$700.

In addition to saving money, there are several other benefits to having car insurance this Christmas. Check out our list of 5 reasons to look for a broker right now!

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5 reasons to have car insurance this Christmas

1. Prevent losses from theft and robbery

During the end-of-year festivities, the number of vehicle thefts and robberies increases. According to experts, this is especially true because people tend to be more distracted.

Often, crowded streets also encourage parking in unsafe places. Even traveling through new and unfamiliar environments can lead to problems of this type.

However, when you have insurance, car theft or robbery is usually not a problem. It is still an unpleasant situation, but one that can be resolved with the help of the insurance company.

By registering the claim, the consumer receives compensation and can purchase a new vehicle within 30 days.

Full compensation is paid when the car is not recovered by the police. If the vehicle is returned to the user, the insurance company pays partial compensation. The funds can then be used to repair the damage to the car.

Considering theft and robbery, another tip is to install a tracking device on your vehicle. The device makes it easier for the police to recover your car and can save you a lot of headaches. Having a tracking device also usually reduces insurance costs.

2. Avoid losses due to accidents

With trips to visit family and friends, the risk of accidents at Christmas also increases. In 2016 alone, the Federal Highway Police (PRF) recorded 2,769 accidents on federal highways across Brazil.

The number corresponds to occurrences between 12/23/2016 and 01/01/2017, and the causes are always varied. In any case, recklessness is the most common, as many people want to avoid the traffic jams that are common at this time of year.

If you are involved in an accident, then the insured driver may have his losses covered. This is quite interesting, especially at a time of festivities and saving for the next year.

3. Count on 24-hour assistance

Imagine being on your way to a Christmas party and your car suffers an electrical failure. Or a dry spell, an accident, or even a flat tire. To avoid being late, the insured user can count on the insurer's 24-hour assistance service.

Coverage is available from most companies as a “perk” to the customer or as additional coverage.

In any of the situations mentioned, the insured consumer can call the insurance company and request assistance. They can then obtain help from a mechanic or an electrician, regardless of where they are.

If necessary, the insurance company can also provide the driver with a spare car. This way, he or she will have a way to get around while his or her vehicle is unavailable.

Furthermore, the assistance of an insurance company makes it easier to contact experienced professionals. Just imagine finding a mechanic on your own on Christmas Day. This task would be more than just a hassle, it would be quite inconvenient for the user.

4. Avoid problems with third parties

After an accident, the main concern of those involved is usually: who will pay for the damage? When both cars are insured, each person can request compensation and continue on their journey.

If one of the vehicles is not insured, or when there is only one person at fault for the accident, having insurance can be even more advantageous.

If the insured car is at fault for the accident, the other individual has the right to have their loss covered. If the insurance has Optional Vehicle Civil Liability coverage (RCF-V), the insurer itself pays for the repairs.

When you do not have insurance, or do not have RCF-V coverage, the driver has to pay the amounts out of his own pocket.

5. Get protection from natural factors

Just like at any time of the year, at Christmas drivers are subject to a series of accidents caused by nature, such as lightning, floods, hailstorms and others.

With the car insured, however, losses due to the conditions are covered. At the same time, the consumer can obtain 24-hour assistance, in accordance with the provisions of their contract.

Now you know some great reasons to get car insurance this Christmas. Find a broker and negotiate protection for your vehicle right now! Remember, in any case, to read the policy carefully and make sure you are covered for everything you need.