Clipping of news on Brazilian Culture, Law and Citizenship
4/2/2010
This article was translated by an automatic translation system, and was therefore not reviewed by people.
(Source: Jornal da Tarde, by Saulo Luz)
Attention to details of the contract avoid spending more on car insurance policyholders
Car insurance is a must for those who want to avoid losses in a city with violent and chaotic traffic and Sao Paulo. But it takes the consumer on how to use it properly and what are their rights in case of theft, collision or theft.
For starters, know all the details of coverage under the contract. "The client can only plead that he was hired. But some clauses can be regarded as unfair, how to determine the workshop for the service," says Luiz Guilherme Natalizi, lawyer. It is also interesting to inform the profiles of all drivers of the vehicle. "This may exaggerate the price, but in the case of an accident with someone not registered, the client loses the coverage and the damage is greater," added Valeria Cunha, assistant director of Procon-SP.
And what would be the care of the driver after the problem? According Maíra Feltrin, lawyer of the Brazilian Consumer Defense (Idec) is essential to record police reports and trigger the insurer. "After the insurer receives the requested documents to cover, it will have 30 days to give the answer," he says.
Furthermore it is good to know that for theft and total loss, there is relief. As for damage to the vehicle, the coverage applies only to damage than the value of the franchise. "When the repair is cheap, it's worth you even pay for it instead of playing the franchise for the insurance company do the job," says Valeria.
The translator Belkiss Rabello, 47, for example, locked in a struggle with the Porto Seguro since the car was broken into by a burglar who failed to take the vehicle. "The bandit tried to make a direct link, but did not do it right. There was no theft, but all broken."
After waiting nearly two hours by the winch, the office of the insurer refused to see her saying that she needed to call the broker of Porto Seguro authorize the repair. "It was absurd, because I was there on board of the winch of Porto Seguro," she says that then searched the garage of the vehicle dealership and had to pay for the completion of necessary repairs. "I paid, because, despite all the problems, I thought they would reimburse me later. Triste mistake", says.
Porto Seguro reports that the rescuers arrived 50 minutes after calling and that the problem of the car could only be verified at the dealership. The coverage was denied because the cost to repair was lower than the amount of the deductible stipulated in the policy.
Source: Portal Idec
This article was translated by an automatic translation system, and was therefore not reviewed by people.