Tips for taking out car insurance for people with disabilities

See in this article some tips for taking out car insurance for people with disabilities and find out how you can guarantee your rights and save money.

Yes, people with disabilities can also drive, and they do so at a much greater rate than people think. Just like other people, they also need to have reliable insurance that meets their needs and keeps their vehicle protected.

If you want to understand more about the subject, follow the article and see some tips for taking out car insurance for people with disabilities.

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How can I get car insurance for people with disabilities?

Car insurance for people with disabilities is a little different from normal existing insurance. In addition to covering possible accidents common to everyone, it also needs to extend its coverage to the vehicle's adaptation equipment, understand better.

Requesting the service is simple, just search for the companies that offer it and then request a quote, sending information about the vehicle and the adaptations it has. Compensation in case of total loss for insurance for people with disabilities is calculated according to the current price in the FIPE table, this is because their cars are sold exempt from ICMS and IPI, which promotes a discount on the value of the car, which It is usually deducted at the time of reimbursement for total loss.

Tips for taking out car insurance for people with disabilities

Now that we've explained a little about how car insurance for disabled people works, here are the important tips to follow when hiring this service:

Understand the Indemnity and FIPE table

Insurance compensation in cases of total loss is made based on the value of the car according to the current month in the FIPE table. However, for people with disabilities, in cases where by law, cars are purchased with ICMS and IPI tax exemption, this reduction is reflected in the compensation for total loss, meaning that the disabled insured does not receive 100% of the value of the vehicle. according to the table.

Pay attention to the issue of discounts and taxes

IPI and ICMS are common taxes when purchasing vehicle insurance, with the IPI being a federal tax and the ICMS being a state tax (understand what ICMS is). These discounts tend to vary, but generally fluctuate between 20% and 35%.

People with disabilities have the right to take out insurance that is exempt from these taxes, but to do so some conditions must be met. Therefore, contact the Detran medical board for an assessment and confirmation of this right.

Research insurance companies well

Some insurance companies offer 100% of the car's market value and full tax settlement for people with disabilities, in addition to full compensation in cases of accidents and refunds according to the FIPE table, without any depreciation. Therefore, it is worth doing good research before hiring the service.

Additional coverages of law

In addition to these possibilities mentioned above, some companies also offer 24-hour assistance services in their insurance, such as: discount on franchises, 30% cheaper parking, car rental, and much more.

Take out coverage for extra expenses

This coverage will provide you with a greater value when it comes to compensation in cases of total loss, which can help to replace your precious asset.

Try to hire 110% of the FIPE table

If, when signing your contract, you stipulate a reimbursement value for the total loss of your vehicle within the 110% margin of the FIPE table, in the event of an accident you will receive 10% more than you should, which means that your losses will not be as big ones.