As we know, all car policies are a sum of hedges or what is called combined policies that may be adapted to the needs of the insured. If we include all the possibilities, offered by the insurance company will be an all-risk insurance policy. For car insurance can include coverage for personal accident, also known as occupants of vehicles. Ensuring coverage in case of death, disability or injury as a result of an incident must be kept during the movement of vehicle. It includes health care, hospital expenses and ambulance transfers. Own car damage (covers up to the limits specified in the policy, can cover all of the damages or by franchise system).
Some insurance limit the provision when they are in a collision with another vehicle, people or identifiable animals either be conditional upon the loss of siniestro total. This coverage also contemplates the conveyance of the vehicle to the repair shop. Theft (is compensated by subtraction illegitimate by third parties within the limits agreed in the policy), fire (includes combustion or explosion and fall of Ray) and rupture of moons (ensures the costs of placement and replacement of the original moons breakage.) And all complementary coverages, such as: defence in fine, withdrawal of license, loan servicing, vehicle replacement and major damage. Own damage what are insurance for own damages? Own damage insurance covers expenses for damages by own car, includes: scratches so common in the maneuvers of the garage, accidents with a lamppost or collide with another car, etc. In this case, there is a third party and damage can not be attributed to other insurance. How are you compensated? Against an accident it must be checked if within own damages covering us our insurance, us indemnifies at new value regardless of the old that might be the car. For example, in a sinister wheels are wrecked. Some insurance companies compensate suffered him at new value (new tires), instead another can be argued that the tire was already spent before the accident and that you will only pay a percentage of their value.
The vast majority of the insurance companies take over the total value of the tire when there is incident with another vehicle, in case of a blowout by kerb, will not pay. What happens when the car is left for scrap? When a casualty total of car, i.e. that it is impossible to repair that will give us our insurance. Ideally, our company us compensate for value again when the car has less than two years. After two years the companies claim by the market value. Siniestro total when a car is declared Siniestro Total? When they stole the car and does not appear, if it appears with unrecoverable damage, when it has burned down and was like twisted irons or due to an accident he has shattered.The car is declared siniestro total when the value of repair exceeds the sum which has ensured. Some companies considered sinister total when the value of repair is the 75, 80 or 90% of the insured value. There are insurance companies that cover with insurance for own damages, those produced by a storm of hail or damage by a strong wind drag car, for example, etc i.e. responds to inclement weather. The most comprehensive insurance includes coverage for damage to baggage or personal items amounting to a stop of up to 1500 euros. If you transit down a track that is not considered as suitable pair driving a vehicle and suffered an accident, most of the companies will not be responsible for repair costs.