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Insurance should cover some of the damage caused by rains in Rio


This article was translated by an automatic translation system, and was therefore not reviewed by people.


RIO - With the storm that hit the Rio de Janeiro since the afternoon of Monday, many cars suffered breakdown due to flooding, falling trees or cliffs. Moreover, many people failed to get flights, buses, or pay bills because of the difficulty around the city. Now, we must be careful not to have unnecessary injury. Some companies are marking up the services free of fines voluntarily. In other cases it may be necessary to observe the law and negotiate with the service provider.

Owners of vehicles that are safe, mostly, are covered against events of force of nature. According to the National Federation of General Insurance (FenSeg), payment of compensation will be provided with the purchase of insurance called comprehensive theft, fire and collision, "as a guarantee for the losses by partial or total submersion in fresh water is contained in traded products by auto insurers. "
However, it should be emphasized that the payment is only for those who have provided coverage for the three cases simultaneously.

This type of insurance includes costs for removal of the winch stalled and removal to a safe place or to the workshop. However, according to the federation, the owner must await authorization from the insurer to perform the repairs, because before there will be a technical analysis on the possibility of recovery or not the car.
"The vehicle can be recovered and cataloged as a total loss when the value of expenditure exceeds 75% in the car. In most cases, when the engine is achieved by water, the total loss occurs," says in a note to FenSeg.

The assistant director of Procon-SP, Marcelo Florencio, cautions, however, that in cases where a hedge against natural events are not planned, it is necessary to ascertain the level of information passed by the insurer.

- The coverage does not happen when it was explicitly stated for the insured that it was not covered in that particular case, because the nature of insurance, who hires him is to work with facts that may cause injury too great. In general, the consumer understands the insurance as a background so it will not be caught unprepared if an event occurs.
So the level of information provided by the insurer have to be very good - explained Florencio.

In the case of losses resulting from runoff in appliances or flooding of homes, the insurance market may also pay part of the losses.
However, according to FenSeg, coverage of electrical damage and flooding residential treatment is offered on an optional basis in safe housing, ie, the consumer needs to have requested such assurances in purchasing the product.

Lost tickets
For tickets, there is no specific law requiring the redial without the collection of fines, according to the National Civil Aviation Agency (ANAC). However, since Tuesday the airline disclosed that not levy fine for changing flight times or the call rate at the show, where the flight had happened and the passenger did not appear.
For questions or complaints, the ANAC receives phone calls at 0800-725-4445 and messages by e-mail address of the regulatory agency.

Gol said the flight passengers who left or arrived at the airports of Santos Dumont and Galleon on Tuesday could change the flight date free of charge.
The company advised passengers to call 0800 704 0465.

Already pointed out that Ocean Air passengers are exempt from paying a fine for crossing redialing whenever bad weather occurs.
The recommendation is that anyone who had a flight scheduled for the day the phone call 4004-4040 (in major capital cities) and 0300 789 8160 (other cities).

All 16 flights Azul Linhas Aereas Brasileiras arriving at and departing from Rio scheduled for Tuesday morning were canceled.
The company advised passengers to connect to the service desk Blue Center (3003 2985) to make the markup of flights without penalty.

In case of delayed flights, Procon-SP warns that companies are obliged to inform the consumer of the delay and inform what will be the waiting time. And of course, give the necessary assistance to that time, such as food, place to rest and store luggage.
If not, the passenger may request compensation.

If the passenger has been unable to arrive on time or reschedule the ticket, the best way is an agreement in an attempt to not have to pay a fine.

- The division of responsibilities is what will bring the best result.
Should not happen, the consumer would be entitled to cancel and reschedule a trip, because the supplier has the greatest chance of spread of losses - Florencio said.

In the case of intercity bus fares, the Department of Road Transport (DETRO) reported that in cases where the passenger could not arrive in time to board, the company needs to redesign the passage through justification of the loss, since it is an exceptional situation.
But in case of cancellation of the trip, even for a lack of road conditions, companies must give customers the option to refund the fare, instead of just reschedule for another date.

Source: Portal do Jornal O Globo

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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