Benefícios Que Contratar Um Seguro Auto Pode Trazer Para Você E Sua Família

Benefícios Que Contratar Um Seguro Auto Pode Trazer Para Você E Sua Família

Nesse caso, cabe a quem causou o acidente arcar com os reparos. Se essa pessoa possuir o próprio seguro, este deve ser acionado para lidar com o conserto.

Além disso, se você está enquadrado no perfil de usuário que aciona o seguro poucas vezes, saiba que é possível se beneficiar dele mesmo assim. A seguradora identifica os clientes pelo perfil e valoriza suas características.

Quem Tem Porto, Tem Um Seguro Auto Pensado Para Você

Mesmo assim, é uma segurança de que você não vai perder o carro caso haja algum imprevisto financeiro. Somos regulados pela SUSEP, órgão responsável pela determinação de regras e pela fiscalização da indústria de seguros brasileira.

Seguro Contra Danos A Terceiros

Ao seguir essa lógica, se o problema ficou em menos de R$ 2.000,00, ele não é considerado um sinistro pela seguradora, ficando a cargo do segurado arcar com os custos de reparação do seu automóvel. Entretanto, vale lembrar que existem alguns tipos diferentes de franquia. A cobertura total garante indenização integral ou parcial decorrente de problemas como roubo, furto, colisão, incêndio e alagamento. Seja você ou o motorista do outro carro, um dos dois deve ser o culpado e arcar com as responsabilidades de custos de manutenção do automóvel, franquia do seguro ou gastos com socorro e médico.

Caso você tenha interesse em fazer uma cotação ou renovação de seguro, preencha o formulário em nossa página clicando no link seguroauto.org/cote para que um corretor parceiro entre em contato com você. Para sinistros, entre em contato com a seguradora responsável. Além disso, quando se sofre um sinistro e o seguro auto é acionado, o segurado perde um ponto em sua classe de bônus do seguro. A empresa solicitará os dados do terceiro e fornecerá os passos a serem tomados a seguir. Feito isso, a seguradora cuidará de todos os reparos necessários, diretamente com o terceiro. Essa cobertura é contratada juntamente com o seguro e possui um valor único indenizatório, que pode ser definido pelo segurado a partir de R$ 50 mil. Ela pode ser usada quantas vezes forem necessárias dentro do período de vigência da apólice.

vantagem de não acionar o seguro do carro

As cooperativas, por outro lado, não contam com nenhuma regulamentação, seja por leis ou órgãos governamentais. Do ponto de vista financeiro, contar com um seguro é uma grande garantia. Trata-se de um item fundamental no planejamento financeiro, já que funciona como uma ferramenta de proteção do patrimônio. No fim das contas, com o seguro veicular, você sabe que não perderá todo o dinheiro que foi investido no carro. No entanto, como vimos, as vantagens ainda vão além da conta bancária.

Vale lembrar que, em caso de imprudência do motorista — como em disputa de rachas, dirigir embriagado ou sob efeito de drogas —, ele não terá direito à indenização. Se os danos no veículo forem inferiores a 75% do valor do carro, você paga a franquia e a seguradora arca com o restante dos gastos. Por outro lado, danos superiores a 75% do valor do carro são caracterizados como perda total e o segurado é indenizado em 100%, sem a necessidade de pagar a franquia.

O seguro do financiamento oferece proteção para situações assim. Esse é uma das coberturas mais importantes para quem tem carro seminovo. Afinal, cedo ou tarde o automóvel vai apresentar algum defeito mecânico, e pagar o conserto com dinheiro do próprio bolso vai sair caro.

Como Funciona O Seguro De Carro Financiado

Se você bater um carro usado e ter muitos danos materiais, é melhor avaliar se vale a pena acionar o seguro. Isso porque, em alguns casos o valor do conserto é mais barato que o valor da franquia do seguro auto. Nesse caso, a cobertura de responsabilidade civil facultativa do veículo que provocou o acidente não inclui o carro reserva para quem sofreu os danos. Para o condutor ressarcido ter o carro reserva, ele deve acionar esta cobertura de seu próprio aliro seguros seguro. A RCF somente lhe garantirá a indenização pelos reparos e pelos danos físicos, se houver. Enquanto o DPVAT oferece segurança a todos os envolvidos no acidente — independentemente de quem seja o responsável —, o APP protege apenas os passageiros do carro segurado caso a culpa seja do motorista. O fato é que os limites de indenização do DPVAT são baixos, e o seguro contra acidentes pessoais de passageiros pode complementar esses valores.

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