How to use the reserve car?

You have taken out insurance that gives you the right to a spare car. But do you know how to proceed to use it?

Each insurance company has its own particularities when it comes to activating the right to a replacement car. Therefore, the first step for the policyholder is to contact the insurance company and find out about all the protocols that must be followed.

Strictly following all the insurance company's rules will guarantee you a vehicle while yours is being repaired, saving you from the hassle of relying on public transportation, taxis, and the like. However, this convenience also involves your commitment. Therefore, you should be aware of the number of days you can use the car so that you don't run the risk of having to pay an exorbitant extra fee for use beyond the time that the deductible commits to cover.

An important piece of information is that replacement cars are usually offered by insurance companies when the cost of repairs to the customer's vehicle exceeds the contracted deductible. In this case, the replacement car will be rented at the insurance company's own central office. If the rental is made at other car rental companies not covered by the contract, reimbursement for the cost of using the replacement car is not permitted.

The reserve cars offered are mostly popular and basic models that, however, guarantee total comfort for the hirers.

The replacement car will be given to the contractor after the vehicle has been inspected and the repairs authorized. In some other cases, it is provided after the Claim has been filed with the Insurance Company.

In addition to this case, for using the reserve car, there are other cases in which it can be used. All of this will obviously depend on your contract with the insurance company. To guide you a little further, we will give examples in which you can try to activate the service.

• When the insured is a third party involved in the accident, a police report must be submitted to the insurer, stating the name of the person responsible for the accident and the cost of repairing the vehicle involved.
• In the event of a claim, the Claim Notice from the insurer involved must be presented.

The large number of insurance companies provides a wide range of options for this type of contract. All the observations and requirements for activating this service will be described in detail in the insurance policy. Therefore, be well informed before choosing the company providing the service, choosing the one with the best cost-benefit for you.

Good research is extremely important, so count on Afrilatest to help you at this time!