Does car insurance cover bumpers? – Afrilatest

“Does car insurance cover bumpers?” This type of question is common, especially after a collision or minor accident. Find out the answer in the text.

If you've damaged the front of your car, you'll be happy to know that auto insurance covers bumpers. However, you'll need specific coverage, and it varies from insurer to insurer.

Generally speaking, insurance with compressive coverage pays for bumper repairs. The structure, which is installed at the front and back of the vehicle, is essential for cushioning shocks and preventing damage to the bodywork. When a car has compressive coverage, it means that it has one of the most comprehensive coverages on the market.

Compressive insurance coverage covers losses caused by collision, fire, theft, robbery and damage caused by nature. Therefore, when any part of the vehicle is damaged by any of these situations, which is the most common, auto insurance covers the bumpers. This coverage is listed in the insurance policy.

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How else does auto insurance cover bumpers?

Some insurance companies offer other types of coverage for the structure. For example, Bumper Repair coverage has become common. This coverage can be used to repair dents, breaks or punctures in the vehicle.

Other companies also offer bumper coverage in addition to the coverage that protects windows, headlights, taillights and rearview mirrors. In other words, you need to purchase this additional protection, because the comprehensive coverage does not include the shock absorber.

In some cases, the cost of repairing the shock absorber is also small, less than the insurance deductible. The deductible is the amount that the consumer is responsible for any repairs to the car. For example: you have a deductible of R$500, and the restoration will cost R$1,500. You will be responsible for R$500 of the costs, and the insurance company will be responsible for the remaining R$1,000.

When the insurance deductible is greater than the cost of the repair, the insurer is not obliged to cover the cost of the repair. When it is greater, the consumer pays the deductible and the company pays the remaining amounts.

Therefore, it is best to evaluate what is stated in your insurance policy. If in doubt, talk to the broker and consider the possibility of including extra care in the contract. This way, you will be sure that all parts of the vehicle will be repaired.

What if the other vehicle's bumper is damaged?

An insurance company only covers third-party losses when its insurance includes RCF-V coverage (Optional Vehicle Civil Liability). If this differential is not included in your policy, the company will not be responsible for the damage.

In situations like this, it is important to assess who is at fault for the accident. If it is your fault, you will have to pay the other driver's damages out of your own pocket. If the other driver is at fault, he or she will have to pay for his or her own repairs. In this case, the individual may also be responsible for paying for his or her own damages.

If you have insurance with RCF-V, your insurance company will pay the amounts. Without insurance and/or RCF-V, the individual will have to assume the debt. In case of disagreement, it is possible to take legal action to obtain compensation for the damage.

Now you know that car insurance covers bumpers, but the rules vary from insurer to insurer. Carefully evaluate your policy!