What is the difference between robbery and car theft?

It is always important to know the difference between car theft and theft, especially when you want to insure your car. Find out below the main differences between robbery and theft.

With increasing violence in Brazil, one of the most sought after types of insurance is for robberies and theft, or simply, accidents. However, do you know the difference between robbery and theft?

In a general and very simplified way, the difference between robbery and car theft consists of: robbery is when your property is taken from you and there is violence, a good example is robberies in which the thief shows the weapon and demands that you the driver and occupants of the car. Theft happens when there is no violence, for example, when we park the car in a place and when we return it is no longer there, this is a theft.

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What is the difference between robbery and car theft?

When you take out insurance, it is expected that everything that could happen to your car will be covered by the insurance company. However, many coverages are additional and, therefore, the customer should always ask their insurer for a policy against theft and theft of their car.

The price of insurance will vary, after all there will be research to identify what type of client is applying for the insurance contract. The driver's gender, mileage driven per year, fines and points on the license of all drivers using the vehicle are analyzed, in addition to the locations where the car is parked and other factors.

It is important to be aware, as people who present (and experience) situations with fewer risks pay less insurance. For the insurer, the car and model chosen are also very important. After all, there are car models that suffer more theft and robbery than others.

So what does insurance cover?

Car insurance coverage will largely depend on what you ask for in the contract. Therefore, if you want the theft and theft clause to be included, you must verbalize your desire.

The requested protection guarantees the driver assistance in the event of theft, when the vehicle is taken under the driver's sight. Or in the case of theft, when the vehicle is taken without the driver present.

What should I do if my car is stolen or stolen?

The first step, before applying for insurance, is to call 190 and file a police report and thus register the accident. Only after contacting the police should you contact the insurance company, after all, they will ask for the BO number

After that, the insurance company will analyze the process. And then, a team will check your insurance policy and all the coverage that is included in your contract.

If your vehicle is located, you must immediately inform the insurance company. So that legal procedures can be carried out from towing to damage cases. If the car is not located, you will need to wait for the insurance company to contact you so that you can take all the necessary documents to receive compensation.