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Car insurance coverage should ensure that if you are involved in an accident you will not need a lot of money. To do this, you can count on third-party auto insurance, follow this article and see the price of this coverage.

Many people take out car insurance thinking only about protecting their vehicle, often forgetting that when we are behind the wheel we are responsible for our lives and the lives of other people.

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After all, if an insured person causes a traffic accident causing bodily harm to another person, he will be responsible for paying all the expenses that person has to recover, in addition to having to pay for the repair of the other vehicle.

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In these situations, third-party auto insurance is a great alternative for those who understand the existence of this civil liability and want to save money in the future if they end up getting involved in an accident, avoiding immense damage.

For these people, we have prepared this article explaining better how this insurance coverage works, how it can be taken out and what the price of third-party car insurance is, follow along.

Third party car insurance price

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Understand better what third-party car insurance is and how it works

Also known as Optional Civil Liability insurance, third party insurance is coverage that aims to cover the costs of people who are injured by the insured in a traffic accident, whether a collision or being run over.

Coverage for third parties guarantees reimbursement for material expenses such as repairing a car or motorcycle, and bodily expenses such as medical treatments and aid or emergency care.

In addition to these situations, most insurers also cover moral damages within third-party insurance.

Follow and see better how the coverage available under this insurance works:

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  • Materials damage: aims to cover expenses related to material damage caused to the other driver, for example, a dent or other type of damage caused by the insured to another vehicle.
  • Bodily damage: This coverage covers medical and hospital expenses resulting from the accident. If the accident victim is injured and needs assistance, this coverage can also be used as compensation in the event of death or disability.
  • Moral damages: coverage for moral damages, serves to cover compensation or legal proceedings, if for any reason, the other person involved in the accident feels harmed and takes legal action.

In addition to knowing more about the coverage offered by third-party auto insurance, it is important that you also know that, when taking out this type of insurance, you must choose the amount of compensation coverage.

Most insurance companies offer coverage starting at R$50,000, however, there are other options on the market that may vary depending on the needs of each insured person.

However, it is recommended that you purchase a good value for this coverage, as this value is unique for the entire term of the policy.

This means that, if you take out coverage worth R$50,000 and are involved in an accident, where you have to pay for someone else's losses, worth R$35,000, you will have available to cover a possible next accident. just R$15.

Therefore, it is important that you carefully define the value of your car insurance against third parties, remember that this value is valid to cover the expenses of a single accident or more than one, as long as there is a limit available to cover the expenses.

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Understand how the claim works.

What are the car insurance coverage amounts against third parties?

This is a question that does not have a single answer, because insurance companies tend to offer different value options to cover damages against third parties.

A calculation is made of a minimum value that can cover the damage caused, whether physical, material or moral.

The most common option to find is coverage with a minimum value of R$50,000, as this would be able to cover a large part of the damage caused.

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Another widely offered range is R$100,000, although there are some with values ​​much higher.

The insured is the one who determines the amount covered and this must be specified in the policy.

Who should take out third-party car insurance?

Any driver who wishes to drive their vehicle with peace of mind must take out this coverage.

However, it is important to mention that third-party auto insurance cannot be automatically taken out along with more complete coverage.

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Despite being a very important coverage and offered by practically all insurance companies, third-party car insurance is additional coverage.

In other words, it is not included in more complete coverage such as comprehensive coverage.

It is possible to contract this coverage alone or together with basic or more complete coverage.

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By doing this, in addition to ensuring greater safety for your vehicle, you will also reduce your concerns regarding other vehicles in the event of an accident.

Is there third-party auto insurance for old cars?

It is common for people who have older cars that have been manufactured for longer to have difficulty taking out some insurance coverage, especially those that guarantee repairs to the vehicle after an accident.

This happens that, depending on the vehicle's time, finding new and original replacement parts for it can be very complicated.

However, these characteristics do not interfere with taking out this type of coverage.

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After all, third-party car insurance, even for old cars, will ensure that repairs caused to another vehicle by the insured car are covered by the insurance.

Therefore, any driver, regardless of the vehicle they drive, be it a passenger car, a motorcycle or a heavier vehicle, can and should take out Optional Civil Liability insurance.

Does third-party car insurance have a deductible?

One of the most common questions about taking out third-party car insurance is regarding the existence of a deductible, a fee charged to the insured person by the company when the insurance is activated to resolve a problem with the vehicle.

Many people wonder whether third-party car insurance has a deductible and the answer to that question is no.

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When this coverage is activated, there is no excess charge, this fee is only charged for carrying out repairs on the insured car.

Is it worth taking out third-party auto insurance for a truck?

If you have a truck and often use it to make deliveries and are wondering whether it is worth taking out third-party auto insurance for your truck, know that the answer is yes.

By doing this, if you are involved in an accident during a delivery, you will not have to worry about the costs of repairs to the other vehicle, nor about paying the deductible.

Which companies offer third-party auto insurance?

As mentioned, most auto insurance companies offer this type of coverage.

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Each one has different minimum and maximum coverage values, as well as different contractual conditions.

However, it is important that you know that none of them charge a deductible for this coverage.

Among the companies that sell this coverage, the most sought after are:

  • Liberty third party insurance;
  • Third party insurance from Azul Seguros;
  • Insurance for third parties SulAmérica;
  • Bradesco third party insurance.

What is the price of third-party car insurance?

Talking about values ​​is a little complicated because each insurance company works with different products and values.

Furthermore, the higher the coverage amount, the higher the price of third-party car insurance will also be.

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The form of hiring can also be different.

This is because this product can be purchased together with your car insurance or individually, that is, only this coverage.

Traditional insurance provides coverage against third parties, usually also as an additional one, and the average value of third-party car insurance tends to vary according to the driver's profile and other characteristics.

The best way to find out the price of third-party car insurance is to request a personalized quote.

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This way you will have access to different proposals and will know the exact amount charged for your profile and the compensation chosen.

Now that you know a little more about third-party auto insurance, you know how it works, how to hire this service and the advantages of having this coverage, it will be much simpler to decide whether to purchase it or not and find ideal coverage for your vehicle. your profile.

However, if you have difficulties or still have any questions about the matter, look for a trusted broker to help you.

*This text is editorial content and does not guarantee the sale of this product on this website.

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