What documents are required to file a claim?

Do you have or are you thinking about taking out car insurance and want to know what documents are required to file a claim? Find out the answer to this question in this article.

Car insurance is the type of expense that no one likes to have, but that very few drivers dare to give up.

This happens because, in the event of any event in which the insured property suffers material loss, having a car insurance or motorcycle insurance can help relieve headaches.

However, even with the benefits of insurance, when an accident occurs, the insured must take certain measures.

Among them, it is necessary to separate and present some documents required by the insurance company.

Only then will the company be able to take the necessary steps to solve the problem.

If you have difficulty knowing how to proceed in these cases and what documents are necessary to file a claim, read this article and understand this subject better.

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Documents requested in case of an accident

Each insurance company has a different process that must be followed strictly, since it is with them that the vehicle owner, and person involved in the insurance claim, has an agreement in the contract.

It is best for the insured to contact their insurance company or insurance broker as soon as the incident occurs to find out about the situation and request the list of documents required by the company.

Among this list of required documents, there are some that are common to all motorcycle, car and other vehicle insurance companies. In other words, they are common among companies: Itau Insurance, Blue Insurance, MAPFRE, Porto Seguro, Suhai, Allianz Auto Insurance, Sompo Insurance, Santander insurance and others.

Remembering that the following list is valid for reference only, the ideal is for the insured to contact their insurance company to confirm exactly which documents are requested.

See the following list of required copies:

• ID and CPF;
• Proof of residence;
• Driver's license;
• Police report;
• Medical records, if medical care was provided;
• Insured's car document;
• Copy of the completed purchase and sale document (with notarized signature – if financed, it is necessary to cancel the financing);
• Mandatory vehicle carrying document.

Car leasing

Some insurance companies still request more specific documents in cases of financed vehicles, or acquired through leasing or consortium, these documents are:

• Copy of the last installment paid;
• Release of the lien, this document has different procedures that vary according to the type of financing, to be obtained. Therefore, find out about your specific situation;
• Copy of the DUT – Single Transfer Document, in cases of total loss.

Additionally, some documents may vary depending on the type of claim.

Therefore, it is essential that you accurately request the list of documents to be presented and always keep an eye on the documentation required to file an insurance claim when necessary.

Why do I need to present so many documents to the insurance company?

The documents requested by the insurance company in the event of an accident are important because they prove that the driver is actually an insured person and that he or she is up to date with all of his or her legal obligations.

Without this proof, insurers cannot proceed with their standard procedures, opening the claim and providing the necessary repairs or compensation.

It is worth remembering that it is important for the insured to be aware that, although it is a bureaucratic step, it is a procedure that makes the entire claim opening process more agile and accurate.

The math is simple: the faster the documents are collected and delivered, the faster the compensation will occur and life will go on for everyone involved in the insurance claim.

What to do in the event of an insurance claim?

If you still have doubts about how to act in the event of a claim, follow along and see the most appropriate steps to take in each of the most common claims. These are basically the same for all insurance companies, whether it is Sompo Insurance, Itau Insurance self, Safe Harbor, Santander Insurance, safe MAPFRE, Suhai insurance companyAzul Seguros, Allianz Auto Insurance and others:

Theft and robbery

As soon as you suffer a theft or robbery, contact your insurance company and inform them of what happened.

Don't forget to provide the police report as soon as possible, it will be requested by the insurance company for analysis of the case, together with the police.

Follow the steps indicated by your insurance company, providing all necessary documents to them.

Collision

After the incident, contact the insurance company so that they can indicate the closest workshop to you, which is affiliated with the company. material damagesto take your car.

Don't forget to check if you have 24-hour assistance coverage before contacting your insurance company and requesting a tow truck, for example.

If the collision involves third parties, you will need to file a police report.

The insurance company will interview everyone involved in the collision and all vehicles will be analyzed and photographed.

Then, the insurance company will request the necessary documentation, especially if there is a total loss.

After the analysis, it will authorize or not the repair of the material damage nthe vehicles involved in the collision.

Fire

Even if the damage is minor, you will need to contact the insurance company to find out what documents are required.

The insurance company will indicate an accredited workshop to carry out the inspection, as specified in its insurance policyto then receive the contracted compensation.

Flood

If your car is caught in a flood and you decide to activate your car insuranceyou will first have to contact the insurance company to schedule an inspection.

If your coverage includes this type of claim, your car will be inspected at a workshop indicated by the insurer, as per your contract.

Then, the insurance company will release the corresponding compensation.

These are some of the most common claims registered with insurance companies, such as Liberty Insurance, Porto Seguro insurance company, Azul Insurance, HDI Insurance, MAPFRE Insurance, Sompo Insurance, Tokio Marine insurance, Zurich insurance, Ituran Insurance, Alfa insurance company, safe Bradesco Auto Insurance, BB auto insurance and others.

Now that you know how to proceed with each of them, file a claim, and know approximately which documents are required, it will be much easier to proceed with opening a claim, right?

Image: Pixabay/Edar

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What if the insurance company denies the insurance claim, what do I do?

There are some factors that cause insurance companies to deny coverage of a claim when filing a claim. But first, it must be described in the insurance policy which may invalidate the insurance.

The most common situations in which motorcycle, car and other property insurance companies often deny protection include:

• The driver lies about some information when filling out the questionnaire;
• Change of profile in the middle of the contract term;
• Lending the car to an unlicensed driver;
• Drunk driving;
• Intentional accident;
• Between others.

This is quite common among car insurance, motorcycle insurance and other vehicle insurance companies, whether it be Porto Seguro, Azul Seguros, safe MAPFRE, Sompo Insurance, Suhai insurance companyItaú Insurance, Allianz Auto Insurance, Santander Insurance and others.

So, if the insurance company is not complying with what is stated in the policy, you can speak to the broker, SUSEP or your lawyer.

Now you know how to file a claim. If you have any questions, talk to your insurance broker!

Can I receive auto insurance compensation with expired documents?

Late documentation will not affect whether or not you will receive compensation from your vehicle insurance. However, if your documents are out of date, you may encounter obstacles to the release of compensation payment.

Therefore, your right to be reimbursed will be met, but the problem will be the bureaucracy to be able to receive this payment. This is common among insurance companies, whether it is Porto Seguro Insurance, safe Bradesco auto insurance, Azul Insurance, Liberty Insurance, HDI Insurance, MAPFRE Insurance, Sompo Insurance, Tokio Marine insurance, Zurich insurance, Alfa insurance, Ituran Insurance, BB auto insurance and others.

If you have any questions about car insurance, speak to your broker.

Published in 2016 and optimized on 02/16/2023.