If my car runs out of battery, can I make a claim on the insurance?

A car without a battery can count on insurance help, but not always. Understand this.

When you take out car insurance, you expect to have support for your vehicle whenever you need it. Most drivers immediately think that the most common situations are theft, robbery and collisions. And they end up forgetting about other situations. But what if my car runs out of battery?

SUSEP stipulates the types of coverage that insurance companies must offer, and one of the services provided must be 24-hour assistance. This consists of providing drivers with support for unexpected situations, such as mechanical, electrical and towing assistance.

24-hour assistance includes helping the driver when his car runs out of battery and he has no way out of the situation.

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My car's battery is dead. What now?

If you are on the street or highway and your battery is dead or won't start, you can make a claim on your insurance. If the battery is simply dead, a qualified professional will be sent to your location to charge it and get your car started again.

However, if the battery needs to be replaced, there are two options. Either an electrician will come to the location to perform the replacement, or the vehicle will be towed to a repair shop. In the second case, the insurance company will decide which procedure to follow.

Does help go anywhere?

This is an issue that requires a lot of attention, as you will not always be able to count on insurance, even with 24-hour assistance service.

It may seem strange to pay for a service and not have access to it, but it is important to check the policy to make sure there is nothing wrong. The issue is that towing, mechanical assistance and other assistance services may have a mileage limit.

For example, if the limit is 100 km, this distance will be considered from the city to the location of the incident. Therefore, this is an item that requires attention when taking out insurance. The most common limited mileage is 100 km, 200 km or 400 km.

However, if the person travels a lot, they can opt for unlimited mileage, in which case they will be covered throughout the country. For those who need more, some insurance companies have the option of coverage in Mercosur countries.

Another issue is that some 24-hour assistance services may have a limit on the number of calls.

Now that you know this information, when you take out your car insurance, be sure to pay attention to these points.

Take advantage of the fact that you are learning about the subject and simulate insurance with the mileage you need for 24-hour assistance services.