Time limit for claim settlement car

Posted by Admin in Travel Insurance | 0 comments

The decree law 291/2007 on Article 31 governs the terms of claim settlement car.

I simplicity of a structured way.

Auto Accident with property damage and accident report (DAAA) signed by both drivers

The deadlines are listed on weekdays

1 – Report the incident by sending your insurer to DAAA

2 – Insurer has two days to open the process and contact the insured to mark the expertise

3 – Examination must be made within 4 days of the end of the term defined in section 2, where no disassembly of the vehicle, if any, the term is for 6 days

4 – The audit report should be available within 2 days after the deadline set in the previous

5 – Assignment of responsibility and communication should be made 15 days after the end of the term defined in section 2

6 – Payment of compensation must take place within 8 days after expiration of the term defined in the previous

Auto Accident with property damage without an accident report (DAAA) signed by drivers

The deadlines are listed on weekdays

1 – Report the incident by sending your insurer to DAAA

2 – Insurer has two days to open the process and contact the insured to mark the expertise

3 – Examination must be made within 8 days after the end of the period defined in section 2, where no disassembly of the vehicle, if any, is the deadline to 12 days

4 – The audit report should be available within 4 days after the deadline set in the previous

5 – Assignment of responsibility and communication should be made 30 days after the end of the term defined in section 2

6 – Payment of compensation must take place within 8 days after expiration of the term defined in the previous

Where there is disagreement on the part of the insured against the position of the insurer, the insured has 5 working days to present evidence and the insurer has 2 days to rule.

In the event of exceptional factors such as climatic factors and the occurrence of motor insurance claims in unusually high and at the same time, the time period with the exception of double-marking expertise and payment of compensation.

In the case of reasonable suspicion of fraud by the insurer, all deadlines are suspended.

Auto Accident with Property Damage and Bodily

1 – Report the accident to the insurer, using the DAAA, giving the elements of the wounded on the back of the DAAA

2 – Insurer has two days to open and process contact for scheduling expertise insured the car

3 – Examination must be made within 8 days after the end of the period defined in section 2, where no disassembly of the vehicle, if any, is the deadline to 12 days

4 – The audit report should be available within 4 days after the deadline set in the previous

5 – Assignment of responsibility and communication should be made 30 days after the end of the term defined in section 2

6 – Payment of compensation must take place within 8 days after expiration of the term defined in the previous

In the event of exceptional factors such as climatic factors and the occurrence of motor insurance claims in unusually high and at the same time, the time period with the exception of double-marking expertise and payment of compensation.

Bodily Injury claim for compensation without

1 – Upon notification of the accident, the insurer has 60 days to inform the intended victim of the test to assess the injury. In cases of exceptional factors, the period is extended to 90 days

2 – The insurer offers the test to assess the claimant within 10 working days of receipt. In cases of exceptional factors, the period is extended to 20 days

Bodily Injury claim for compensation with

1 – After the claim made by the insured, the insurer has 20 days to inform the intended victim of the test to assess the injury. In cases of exceptional factors, the period is extended to 40 days

2 – The insurer offers the test to assess the claimant within 10 working days of receipt. In cases of exceptional factors, the period is extended to 20 days

3 – The insurer has 45 days to rule on the liability or make an offer of provisional damages. In case of exceptional factors, the period doubles

4 – After the values ​​of the proposed settlement between the insurer and claimant, the insurer has 15 days to prepare the final proposal.

5 – Payment must occur within 8 days after the deadline set in the previous paragraph.

Are you traveling? Hire a travel insurance

Posted by Admin in Travel Insurance | 0 comments

Here comes the Carnival and a mini-vacation. If you go out, consider hiring a travel insurance.

Travel insurance is a personal accident insurance . You can hire covers the following:

- Death or Permanent Disability

- Treatment costs – perhaps the most important of this insurance coverage. Determine the capital based on this coverage. € 5,000 is the ideal, which means that in most cases, the capital of Death or Disability is 10 times more – € 50,000

- Funeral expenses – the cost of repatriating the body to our country are included here

- Hospitalization Daily Allowance

- Luggage – in case of loss

- Support Vehicle and People

Important aspects to this insurance contract:

1 – clear definition of the date of departure and arrival

2 – Narrow where it goes and how (Example: Port / New York / Port of plane)

3 – Covers desired

4 – Heirs – a crown set in concrete – Give full name, as it makes it easier to pay damages in case of death of the insured

Tips:

- If the U.S. or Brazil, hire Illness coverage through Personal Assistance coverage. The terminology may vary from insurer to insurer, intermediary or tell your insurer that intends to cover a sudden illness. I highly recommend this coverage in countries outside the EU, as the blue card only works Disease in the EU. Go to the U.S. or Brazil without this coverage, you can become a financial nightmare for you, because health care is expensive.

- If you take your car, travel insurance provides coverage to the Vehicle Service, provided that the hire. Do it, especially if traveling through different countries.

- Finally the most important – always carry an insurance card with the number of assistance. The first step is to activate the call or provide insurance for linking to this number. If you do not, may be at risk for the insurer to bear the costs.

Good Trip!

The main exclusions from the 14 Car Insurance

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Today I will address the main exclusions from the general auto insurance :

- An accident caused by the driver of the vehicle which causes bodily harm or death to their accompanying family members unless there is insurance in which occupants are included all occupants.

- When transporting a child under 12 years without a seat suitable for children to age

- Damage to own vehicle, unless you have subscribed Own Damage insurance

- Damage to property transported, except in cases of carriage of goods by carriers

- Property damage and injuries caused in loading and unloading operations, except in cases of carriage of goods by carriers, and insurance relating to such effect. There are situations which, under the Civil Liability of operating a business, are assured.

- Intentional and malicious acts

- Accidents caused by drivers with blood alcohol above the legal minimum required

- Accidents caused by the driver in a state of dementia and or under the influence of drugs

- Accidents caused by drivers not legally qualified to drive or if the license is seized by authorities

- Accidents caused by driver whose driving license is not valid for the category of vehicle you are driving. Example: a slight lead when the passenger has only license for motorcycles.

- Accidents in sports events or contest, unless you have insurance for that same purpose.

- Accidents caused by objects carried in the vehicle and its poor packaging or overloading

- Accidents caused during the transport of fuels, flammable, explosive or toxic, unless there is a legal license to this effect and is taken out insurance coverage for this purpose.

- Lack of inspection of the vehicle or even the fulfillment of the terms of reviews of the car.

These are the main exclusions from the car insurance that you should be aware.

Take care below to avoid problems with your insurance company:

- Do not lend your vehicle to anyone who is not qualified to lead it

- Insure for all occupants including family

- Take the car for inspection within the statutory period

- Make revisions should be made when

- Transportation to (s) child (ren) in seats approved for this purpose

- If transport goods, carry the properly wrapped and without excess. Do not transport hazardous materials

- Do not use the vehicle in competitions or contests that do not have insurance for this

- And never ride under the influence of alcohol or drugs

How to handle vehicles in the garage

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Did you know that even with the fire coverage on your car insurance, this does not work if your car is in place, garage or driveway of your home?

How can you get around this?

Subscribing to cover vehicles in the garage housing Multi-risk insurance .

To subscribe to this coverage needs to hold the filling housing .

What vehicles are covered in this coverage?

Cars and trailers, motorcycles, boats, trailers owned by the insured person or their household.

How to ensure your coverage?

Notify the insurer that has a garage and that it keeps the car. Send the booklet to the insurer and the list of extras other than the car home. As for value, see below.

That hold value?

The market value of the automobile at the time of the insurance and its extras. The same reasoning applies to other vehicles insurable as mentioned above.

What coverages are covered?

That apply to the filling of the dwelling.

And in case of accident?

The insurer will ask for a copy of the insurance policy required (car insurance, insurance recreational craft), so be sure to have insurance on time.

The amount is to compensate the value of the vehicle or vessel at the time of the claim and a deductible is applied on injury compensated.