2023-12-19 01:39:32
The strong temporal that hit the AMBA area Sunday morning, left hundreds of fallen trees and, as a consequence, several destroyed cars for that impact. This can represent a headache for more than one, unless your safe consider this type of damage.
Although the storm occurred more than 24 hours ago, The streets of CABA are still invaded by large branches or entire fallen trees on the road, buildings, houses or cars parked on the streets. The demand is high, but if your car is one of those that was crushed, the first thing you have to do is request assistance from the municipal authorities.
It is important not to try to remove the tree yourself, as this could cause further damage. After this call, we must talk to insurance advisor hired and give details of the situation. A key step is read the policy in detail insurance, to know what is covered and what is not.
Cars and storms: what insurance covers this type of damage?
Another important point is to record all the damages suffered by the car with photos and videos, to have supporting material when requesting that the insurance be executed. But as we mentioned before, the key factor is knowing what policy we take out because Not all cover damage from falling trees or hailFor example.
The plans more basic include the civil liability, which is mandatory to circulate, and those that incorporate the robo total and fire to the covered claims, unfortunately, do not cover this type of damage. To have a broader coverage You have to hire the most complete ones, such as coverage against third parties and all risksalthough not all include storm damage.
It is important that you read the contracted plan in detail, since the coverage against all risk should cover damage to your vehicle, but in some cases it may not be covered in the policy. If it is covered, you will have to pay the deductible that appears in your plan and the insurance will determine if it is a total destruction or a lesser degree. While third party coverage generally does not cover damage from a storm, but again, it is recommended to consult.
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You must read the contracted policy in detail, since few include coverage for damage due to falling trees.
You must read the contracted policy in detail, since few include coverage for damage due to falling trees.
What types of car insurance exist in Argentina?
In the country There are four types of car insurance, and this classification is according to the damages they cover. They are:
Type A: civil liability insurance, it is the one required to circulate, the basis of all insurance. Covers damage caused to third parties and/or their things in traffic accidents. But for your car it does not offer any type of coverage. It is the most economical policy.
Type B: includes damages to third parties plus total loss. This type of insurance covers the total loss of the vehicle, whether due to theft, fire or total destruction due to an accident. But this does not provide coverage when the damage, fire or theft is partial.
Type C: covers damage to third parties plus total or partial loss, that is, it is a more complete level than Type B. In addition, it can include additional benefits such as: damage to glass, locks, hail damage, etc.
Type D or all risk: it is “insurance against all risks” and has the advantage of covering all types of damage in the event of a crash or accident, whether totally or partially. Its value may vary depending on the type of deductible contracted (the amount of money that the insured must assume on his or her own account to cover the cost of damages generated by an accident, according to the contract previously agreed with the insurance company). It is the most expensive, but it provides the best coverage.
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