Can insurance be taken out with late documents? Check out!

Thinking about taking out car insurance, but don't have the money to pay for the overdue documents? Follow the text and find out how to hire protection anyway!

When it comes to taking out insurance, doubts always arise. What coverage to get? What is the best insurance company? Can I insure late documents? It was to answer some of these questions that we produced this text. Especially regarding vehicle documentation. After all, if your car licenses are late, that could be a new problem to worry about, right?

It's quite simple to take out car insurance, even with back taxes. It all depends on the insurance company you want to do business with. Each company has its own rules on the subject and, therefore, it is worth doing a lot of research. If insurer A refuses your insurance, B may accept it.

Below, we explain when and how you can purchase insurance for your car. Follow along and discover everything you need to know about the subject!

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How to get car insurance with late documents?

Every year, drivers need to renew their car permits. These permissions include paying the Motor Vehicle Ownership Tax (IPVA), Personal Injury Insurance Caused by Land Motor Vehicles (DPVAT) and car licensing. Among them all, licensing is the only one that can prevent you from taking out car insurance.

Taking out insurance is relatively simple. First, the consumer needs to research among insurance companies and evaluate which one offers the best coverage for their case. This process can be carried out with the help of a broker, as he is an expert on the subject.

With the chosen insurer, the user fills out a profile analysis form. The information provided to the company aims to indicate the level of accident risk of the car and its driver. The more chances there are of an accident, the higher the insurance cost will be.

The most varied factors are evaluated. The insurer checks, for example, the car's crash history, the individual's place of residence, where the car is parked, the vehicle model and more. If the type of car also has a high theft rate, its protection will be more expensive.

It is also common for the insurance company to carry out a prior inspection of the vehicle. This way, she can check the mechanical and electrical conditions of the car, as well as other factors.

Denial of insurance by the insurer

After the consumer requests protection, the insurer has, by law, up to 15 days to analyze the request. Then, you can accept or reject it, but providing justification for the refusal. This way, the user can try to correct the errors that led to the rejection and request a new proposal.

During the insurance analysis period, insurers usually offer temporary protection to the driver. They can also charge an advance insurance amount. If these are the cases, the company has up to 10 calendar days after the refusal to reimburse, proportionally, the amounts already paid.

The main reasons for coverage rejection are problems with the prior inspection and lack of vehicle documentation. In other words, car licensing is essential for taking out insurance. Without it, it is very difficult for the user to be able to purchase protection. IPVA and DPVAT, on the other hand, do not need to be up to date to contract the service.

Delayed renewal of a driver's license also does not eliminate the possibility of taking out insurance. However, in this case, the delay must be up to 30 days, and the driver's license must be in the renewal process. The insured must have their license up to date to maintain protection for the vehicle.

What happens if IPVA and DPVAT are late?

As you have already seen, there is no problem in taking out insurance with late IPVA and DPVAT. However, the situation changes after a complete accident.

A full loss, or total loss, occurs when the damage to the car exceeds 75% of its market value. When this happens, the insurance company pays enough compensation to purchase a new vehicle.

Complete loss of the car

The total loss compensation process requires a few steps. After registering the accident and submitting the documents, the insured needs to transfer the damaged car into the insurer's name. The step by step is the same as if your car had been sold. For this transfer, no taxes can be outstanding. So, you need to pay them off.

At this point, it is possible to take two paths:

• The insured pays the outstanding debts and informs the insurance company, which will pay the compensation; or
• The insurer pays the outstanding debt, deducting it from the total compensation amount, and pays the remaining amounts to the user.

Partial loss of vehicle

Debt settlement steps are not necessary in the case of partial loss. Partial loss occurs when damage to the vehicle is cheaper to repair than 75% of the car's value. In this case, the insured and the insurer share the losses, paying the repair shop.

The cost the consumer is responsible for is called the deductible. Imagine that your car suffers a collision and the repair will cost R$3,000. Your insurance deductible is fixed and is determined, in the contract, to be R$1,000. This means that you, the insured, will pay the workshop R$1,000 for the repair. Meanwhile, the insurance company will pay the remaining R$2,000.

It is important to highlight that it is unlikely that you will be able to take out insurance with delayed licensing. However, if the insurance was already in force before the delay, the rules will be the same as those mentioned for IPVA. This means that, in the event of a total loss, it is necessary to pay the debts to the responsible bodies. If the loss is partial, the values ​​will hardly influence the compensation.

When taking out your insurance with late documents, remember to do a lot of research. Protection costs vary greatly by insurer, as do their coverages. In some companies, the rules may even be different. It is worth clarifying any doubts with the broker and evaluating which protection is ideal for your car.