2023-08-19 02:41:08
There are those who think that the coverage of the Compulsory Vehicle Insurance for Traffic Accidents (SOAT) is sufficient in the event of an accident.
In Peru, only 700,000 vehicles, that is, 20% of the 3.4 million vehicle fleet, have insurance, according to Richard Mauricci, vice president of Rimac Products.
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I already have SOAT, I don’t need auto insurance
Renzo Zapata, Pacífico Seguros Vehicle Business Manager, clears up some doubts about vehicle insurance.
First of all, it is important to know that the SOAT covers people, not vehicles. This policy has the function of covering those affected who are inside and outside mobility in the event of a traffic accident.
On the other hand, vehicle insurance protects the car from risks such as collisions, theft, natural disasters and vandalism, depending on the coverage contracted.
SOAT covers people, not vehicles. (Photo: Diffusion)
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My car is old, it is not worth paying for the insurance
Although our vehicle may have a greater number of years, it does not exempt it from suffering various damages.
For example, if we are involved in a traffic accident, the damage to our car will be similar to if it were new and the repair costs will not be very different even if the car is old.
Therefore, it is essential to have vehicle insurance, despite the years of our car.
If I have a broken window or a minor shock, I must wait for the solicitor to arrive
In some insurers, clients can present their case without the need to wait for a solicitor to arrive to assess the damage.
Light car crash.
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They are going to take time to see my case and to recognize the damage
There are already digital channels in insurers, where attention is personalized and automated in a short period; in order to expedite and reduce the coverage process.
“Artificial intelligence allows us to speed up some processes, which previously took more time, for example, the evaluation of minor and frequent claims. However, in the event that the client requires someone to accompany him, there will be trained personnel who can assist him, ”says Zapata.
If I have an accident with my car, how can I use the insurance?
What you should do is have contact with the insurer so that you can later assess the damage and finally take your car to the workshop. It is explained in more detail in the following items.
Call your insurance company to report what happened: It is important to have the numbers of your insurer saved in the phonebook of the cell phone or the app. Depending on the characteristics of the accident, the insurer will evaluate the dispatch of a solicitor to help him with the procedures that must be done. Evaluate the damages: According to the damages generated or circumstances, the insurer will evaluate if it is necessary to file a police report. For example, if a car hit you or you were injured and it does not have vehicle insurance, you should file a police report, but if both cars have insurance, a deal could be reached between both parties. Go to a garage: Depending on the severity of the damage, you can take it to a workshop affiliated with the insurer. There they will prepare the budget for the respective review. Once this process is completed and with the customer’s approval, the workshop begins the repair.
PHOTOS THE INTERIOR OF ONE OF THE DEALERS OF THE CHEVROLET BRAND.
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What happens if I suffer a robbery?
If you suffer the total theft of the vehicle, you should immediately call your insurance company and file a report at the nearest police station. Likewise, if the car has GPS, notify your insurer so that it can track it.
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