December 19, 2023 – 11:57
A strong storm hit AMBA during the weekend. As a result, thousands of cars were destroyed by falling trees.
Mariano Fuchila
Hundreds of people woke up on Sunday and saw the destruction caused by strong storms that covered Buenos Aires Metropolitan Area. Many of them were surprised that the falling trees had caused damage to their cars parked on public roads and they asked themselves: What does insurance cover in these situations?
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To begin, it is worth clarifying that there are different companies that offer their insurance services and, furthermore, different types of roofingwhich will provide the user with a protection according to your case particular. It is important to emphasize that, in these situations, you should not try to remove the tree on your own, or else it could cause damage. more damage on the vehicle. The first thing to do is request assistance at municipal authorities and then communicate with him insurance advisor hired to provide details of the situation, send photos and learn about the steps to follow.
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What insurance covers storm damage?
The most important plans simple include coverage for civil liabilitywhich is mandatory to legally circulate in the vehicle or may also incorporate elements by robo total and fireto the claims covered or coverage against third parties. However, none of these three plans cover damages from inclement weather.
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Comprehensive insurance is usually the most complete coverage on the market.
The most complete coverages are usually those called against all risks. Although they are one of the broadest agreements, the contracted plan must be read in detail, since in some cases they may not fully covering losses due to storms.
How to make an insurance claim to pay for car damage
To make a claim, the first thing you should do is contact a insurance company advisor to inform them what happened. From there, they indicate the steps to follow, which are usually: provide details of the incident, send vehicle imagescoordinate a visit from a inspector of the company who will verify what was reported.
In case these steps are carried out correctly and the damages are covered, it is generally necessary to pay the franchise that appears in the contracted plan. The insurance will then determine if it is a total destruction or a lesser degree and will determine the coverage payout.
How to know if my car is totally destroyed
On some occasions, like the one that the storm left us with, the damage to the vehicle is so great that the insurer can grant the figure of total destruction. An incident qualifies this way when the cost of the repair of the unit exceeds the 80% of its value or, of its insured value.
Two dead after storm in General Conesa
Falling trees, fires or floods are usually the causes of the total destruction of a vehicle.
In each particular case, the user must abide by the provisions of the contracts. In addition, companies will carry out a in-person expert opinion to determine and confirm the damages caused, as well as its subsequent settlement or compensation.
2023-12-19 17:56:22
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