Learn how to use car insurance in different situations

Car insurance aims to bring more peace of mind to those who are driving, but in the event of an accident, do you know what to do?

Most people are so scared that at the time they don't even know where to start, so we've separated some situations that insurance covers and how you should proceed.

Casualty-free collision

After an accident it is always necessary to check that people are ok, and if they occur, remove the car from the road or signal the location. Then contact the police to register a police report and write down the details of others involved and witnesses.

After that, contact the insurance company, they will provide information on how to repair the car.

Collision with victims

When you notice that there are injuries, you need to call emergency services or firefighters so that the victim can be helped. Then call the police to make a police report and have a copy of it, it is interesting in this case to have at least two witnesses and the details of the injured person.

Contact the insurance company to inform the situation and if you were responsible for the accident, Optional Civil Liability (RCF) coverage will be used. In this case, compensation will be paid to the injured person.

Third party vehicles

When in an accident it is your responsibility and it involves another car, if you have the coverage against damage to third parties your insurance will cover the repairs. To do this, you need to register a police report, write down the person and vehicle details and communicate it to the insurance company.

The insurance company will contact the person requesting some documents and to agree on how to repair or pay compensation.

Robbery or theft

In these cases, there is not much that can be done other than informing the police, registering a police report and hoping that the car is found. After registering the BO, you must communicate it to the broker or insurance company, they will request some documents so that they can proceed with the payment of the compensation.

Valet crashed the car

If you notice that the car was hit by the valet or in the place where it was parked, the ideal is to notify the company immediately, because most of them have insurance against these situations and will take action. But if this is not the case, you must register a police report and inform your insurance company.

She will pay the compensation and contact the company to receive compensation for the damages. That's why it's important to keep proof of parking, such as a ticket or invoice.

Gasoline ran out

Many insurance companies have assistance services such as electricians, mechanics and dry breakdown assistance. If you are somewhere and you run out of gasoline, you need to call the service center and inform them of your location.

They will send help to refuel your car until you can get to a nearby gas station, but this service may be charged separately.

Tire change

The procedure is the same as when you are out of gas, needing to contact the service center and ask for help.

Backup car

To use the spare car, your car must be undergoing maintenance or have been completely lost, this will vary according to your policy. To do this, you need to call the service center that will schedule and make this spare car available, but it is important to remember that it has a maximum period for use.

Discount on parking

Many insurance companies have partnerships with certain parking networks and offer discounts to the insured. To take advantage of it, just go to the parking lot, present your insurance card and it will be available.