Was your car stolen? Imagine the loss you could incur without insurance.
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Was your car stolen? Imagine the loss you could incur without insurance.
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Not having car insurance can cause a lot of headaches and the despair of being left without your vehicle. Have you ever imagined having your car stolen and the loss you could incur without insurance?
The rates of robberies and car thefts have increased in recent years, especially in large cities. Because of this, it is very important that you assess the loss you could incur without insurance if you decide not to take out this protection.
According to data from the Public Security Secretariat, from January to April 2022, every 6 minutes a car was stolen in Brazil. These numbers show growth of 23% when comparing the same months in 2021.
Having car insurance, nowadays, is like an investment so that you can guarantee the protection of your vehicle and reduce the loss you may incur without insurance. Therefore, we cannot think that having car insurance is a superfluous expense that can be removed from the budget.
What to do if the stolen car was financed?
The worst thing that can happen is that you have an asset stolen and still continue paying for it, right? But, unfortunately, this could be one of the losses you could incur without auto insurance, if the car was financed.
As unfair as it may seem to continue paying the financing, the money borrowed for the payment refers to the value of the vehicle and not the car.
It is the consumer's right to try to review the interest rate with the bank that provided the financing to try to reduce the value of the installments a little. Remembering that this review will not prevent you from finishing paying the remaining installments on the booklet.
If the car was already paid for, however, parked in a blue zone space, there is the possibility of asking for compensation from the city hall, but it will be necessary to file a lawsuit and wait for the judge's judgment. It is not a certainty that the case will be won, everything will depend on interpretations.
What other losses could you incur without insurance?
In addition to having this problem of being left without your car after it is stolen, not having protection can lead to other types of losses. Are they:
1 – Not having assistance in case of mechanical breakdown
If the car breaks down in the middle of the street or even on the highway, the person who doesn't have insurance support, for example, will have to find a way to take the car to the nearest mechanic, right? This could become a loss that you can incur without insurance, after all, you will have to look for available tow trucks and pay more for transportation.
2 – No backup car option
If for some reason you need to be without your vehicle, you will have to find a way to get around, as one of the benefits of having car insurance is the backup car for the days when you would be without your car.
As a result, transportation costs to get to and from the day's tasks, such as going to work or even taking your children to school, will have to come out of your pocket. Therefore, it is another loss that you can incur without insurance.
3 – Pay expenses in case of an accident
When you have car insurance and you have an accident, generally, you just pay the deductible and the insurance company takes care of all the details of the repair, right?
But you may be wondering what loss you could incur without insurance if I will have to pay something in addition to the installments? The answer is that, in the event of an accident, you do not pay the full cost of the repair, but rather an amount that is agreed in the contract which, depending on the repair, will be much cheaper if you pay it yourself. Oh! And, depending on insurance coverage, repairing the third party's car is included.
Share with us if you have already had this loss due to not having insurance.
Was your car stolen? Imagine the loss you could incur without insurance.
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Was your car stolen? Imagine the loss you could incur without insurance.
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