What is the difference between auto insurance and 24-hour assistance?

Are you still confused when it comes to the difference between auto insurance and 24-hour assistance? So follow this article and understand this subject better!

People are increasingly aware of the need to take out car insurance, however, when they look for this service, many doubts arise, and this is absolutely common.

After all, car insurance is a product that involves a lot of different details, nomenclatures and services. In this article you will better understand how it works and the difference between car insurance and 24-hour assistance, eliminating one of the most frequently asked questions on the subject.

To make understanding the subject as simple as possible, we will explain the two situations separately and then comment on the differences. This way, there will be no more doubts about the difference between car insurance and 24-hour assistance.

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What is auto insurance?

Car insurance is a service that can be contracted directly with an insurance company, or through an insurance broker, which is always the most recommended way to carry out this type of contract.

When taking out insurance, the vehicle owner must pay an amount called the premium, which corresponds to the cost defined by the company to accept the risk of possible accidents, theft and other problems that may happen to the car.

With this payment, he will be guaranteed the protection of his vehicle, that is, if an accident occurs, causing partial or total damage, he will be able to activate the insurance and receive compensation, to repair his vehicle, or simply buy another one.

Car insurance has several different coverages, which guarantee compensation in cases of collision, theft, robbery, fire, floods, lightning or tree strikes and much more. It is up to the driver to choose the coverage he finds most appropriate for his case.

It is worth mentioning that the value of the prize is not fixed, it will vary according to several factors.

The vehicle model and year of manufacture are some of these factors, as well as the driver's profile, gender, age, place of residence and work, the existence of minor or adult children and much more.

Therefore, to find out how much car insurance would cost for your car, the driver needs to get a car insurance quote. In this quote, he will provide all the necessary data to calculate this value.

Auto insurance has coverage such as:

• Comprehensivewhich is the most complete and handles different types of claims, from collisions to falling trees;
• Basic that only responds to situations against theft or theft;
• For third partieswhich only deals with situations in which you hit or cause damage to another person with your car and are obliged to bear the costs of repairs;
• For passenger accidents, widely used by people who use their vehicles as a work tool, transporting people. This coverage guarantees compensation to vehicle passengers in the event of collisions or accidents that cause harm.

What is 24-hour assistance?

24-hour assistance consists of a package of services that can be purchased together with car insurance or separately. In this type of service there are no compensations, nor notices of accidents.

24-hour assistance does not offer protection for the vehicle, only access to services such as a tow truck, mechanic, locksmith and other unexpected situations that can happen to a car. 24-hour assistance usually offers services such as:

• Winchwith a mileage limit that must be defined when contracting the service;
• Keychainfor cases where you accidentally lock the vehicle with the key inside or even lose the car key;
• Dry breakdown helpif you run out of fuel in a place where there is no gas station nearby;
• Electrical or mechanical breakdown assistancein this case, 24-hour assistance will send you a qualified professional to solve your problem on site, or tow it to a workshop, if necessary;
• Tire change, your tire has gone flat and you have no idea or you just don't want to get dirty and change it? Just call 24-hour assistance and ask for help;
• Assistance at the wheelif you feel sick, or drink too much at happy hour, you can request a driver to take you and your car home safely;
• And much more.

It is also worth mentioning that not all services within 24-hour assistance are free.

Some of them guarantee free labor only, as in the case of emergency relief, for example, when requesting assistance for this type of unforeseen event, the labor of the person who will bring you the fuel will be free, but the cost of fuel is not.

What is the difference between auto insurance and 24-hour assistance?

Now that you know what auto insurance and 24-hour assistance are and how they work, it will be much easier to understand the difference between these two types of services.

Basically, car insurance offers protection against problems that could cause more serious damage to your vehicle, such as collisions, theft and more.

With auto insurance, if an accident occurs, you simply need to contact the insurance company and make a claim notice.

The insurer will then evaluate the case and subsequently offer compensation, which may be for partial loss, if the vehicle has to be repaired, or for total loss, if the vehicle suffers damage where the repair value is equal to or greater than 75% of the purchase price. of the vehicle.

In 24-hour assistance, you will, in most cases, only have access to labor for routine services such as tire changing, locksmithing, towing, mechanical assistance and more.

However, it must be clear that, precisely because it deals with more common problems, which can happen at any time, 24-hour assistance ends up being very necessary.

In fact, both are necessary, so it is always best to take out car insurance and request 24-hour assistance.

But, remember to research the types of 24-hour assistance coverage thoroughly before signing a contract with an insurance company.

After all, these coverages vary greatly from one company to another, while some offer only basic services, others offer residential services such as electrical assistance and repairs to electronic equipment, and even services aimed at pets, such as transportation for bathing and grooming, and more. Therefore, do a lot of research before hiring 24-hour assistance.