Have a car insurance It is one of the most effective ways to protect your vehicle against unforeseen events. However, many drivers still have doubts about in which situations insurance actually covers repairs and when the driver is responsible.
Each insurance policy offers different coverage, and it is precisely at this point that the main confusion arises. Not every type of damage will be automatically included in coverage, and details such as the cause of the accident, the type of policy taken out and even the insured’s history have influence what will or will not be reimbursed.
In this article, we will understand what repairs the insurance covers, in which situations coverage is excluded and how to correctly proceed to request repairs to your car. Follow this step by step and clear up any doubts about how this protection, which is so important in drivers’ daily lives, works.
Types of car insurance coverage and what each covers
Before understanding when the insurance covers your car repairs, it is essential to know the main types of coverage offered by insurance companies. Each one addresses specific situations and directly influences what will be repaired or compensated in the event of an accident.
The most basic coverage is understanding – total, which includes collisions, robberies, thefts, fires and even damage caused by natural phenomena, such as floods or falling trees. This is the most complete option and also the most sought after by people who want extensive protection for their vehicle.
Another very common modality is coverage against third parties, which does not cover damage to your own car, but rather damage caused to other people, vehicles or property. This is a more economical choice and is recommended for those who want to avoid legal and financial losses in accidents where they are found guilty.
There are also additional coverages, such as glasses, spare car, 24h assistance, among others. They are optional and are usually offered as add-ons to the main policy, and knowing these details makes all the difference when understanding why certain repairs are covered and others are not.
Main scenarios where repairs are covered by insurance
Repairs covered by car insurance They are generally related to events foreseen in the policy contract, as long as the insured complies with the agreed clauses. One of the most common cases is traffic accidents, such as collisions with other vehicles or objects.
Another common scenario is damage caused to third parties, such as crashes in parking lots or situations in which the driver responsible for the accident is identified. If the insurance of the causer has this coverage, it can be used to repair damage to your vehicle.
Furthermore, natural phenomena can also generate coverage, such as flooding, falling trees, or landslides. However, it is important to check whether these events are included in your policy, as some insurers require additional contracting for this type of claim.
Situations like theft or theft of the vehicle are also among the most covered, especially when the asset is recovered with damage. In these cases, the insurance generally covers the repair or, in situations of total loss, provides compensation based on the market value or the contracted table.
Situations and damages not covered by car insurance
Despite appearing comprehensive, the car insurance does not cover all types of damages or situations. One of the common cases of exclusion is that of natural wear and tear of the vehicle. Parts that deteriorate over time, such as brake pads, tires or clutch, are not included in coverage as they are considered part of regular maintenance.
Another important point is the damage caused by neglect of the driver. If the driver is driving under the influence of alcohol or drugs, for example, and causes an accident, the insurance company may refuse to pay for the repair, even with the policy active. The same goes for participation in “streaks” or driving without valid license.
Furthermore, mechanical failures not caused by an accident are also not covered. If the engine is defective or the electrical part fails unrelated to collisions or external events, the insurance company tends not to be held responsible.
It is worth remembering that most policies have exclusion clauses specific. Some may limit coverage on unpaved roads, transportation of unauthorized loads or even use of the vehicle for commercial purposes, if this is not provided for in the contract.
Step by step to request insurance repairs
When damage covered by the policy occurs, the first step is to contact the insurance company At this time, it is important to provide accurate information about what happened, including the date, time, location, description of the event and, if possible, photos of the damage.
Soon after, the insurance company may request additional documents, such as police report (in cases of theft or accidents), CNH, CRLV and the form itself accident notice. Gathering this documentation quickly facilitates the analysis of the case and avoids delays in the process.
After opening the claim, the insurance company will indicate a workshop accredited to carry out the inspection and repairs, or will allow the insured to choose a workshop they trust. In many cases, a prior assessment of the damage is carried out before the repair is authorized to ensure that the cost is in accordance with the policy’s provisions.
Finally, after approval, the vehicle is repaired and the customer must pay the franchise, if applicable. The deductible amount is fixed in the contract and is the responsibility of the insured. After completing the service, it is essential to check that everything was carried out correctly and keep all receipts.
Conclusion
To understand when the insurance Car repair covers are essential to avoid frustration and make more informed decisions. Coverage can be a great ally in times of unforeseen circumstances, but it is essential to know the limits of the policy and the conditions required for the repair to be authorized by the insurance company.
Each type of coverage caters to different situations, and paying attention to scenarios that are not covered avoids unpleasant surprises. Maintain the maintenance the vehicle is up to date, act responsibly in traffic and correctly follow the steps to activate the insurance These are attitudes that make all the difference when it is necessary to use the benefit.
Therefore, read the contract carefully, ask questions insurance company and monitoring the request process carefully are practices that ensure greater safety and efficiency when repairing your car. With the correct information you will be better prepared to deal with unforeseen events and preserve your assets.
