We all know that there are all risk auto insurance, but are you clear on the best Praetorian auto insurance for you?
It is that according to your profile, habits, and vehicle, you may be more interested in Praetorian insurance company that has certain characteristics, such as a chosen driver or international assistance that can help you save a lot of money in the long term.
And is that while acquiring the best auto insurance requires an additional investment, if you take advantage of the benefits offered by insurers, you will see that all risk insurance is not a “luxury” but an assistant on the road.
Next, we will tell you some of those services that you usually do not have when you are going to take out an all risk insurance and that it is important to know, to access a protection adjusted to your needs and of course, to your budget.
As an added value when taking these types of policies and according to your budget, you can count on special benefits that the insurer gives you to make life easier, amidst the difficulties of an event such as an accident or theft of your car
In the subject of assistance the companies put at your disposal:
The driver chose: transfer to the insured’s home on request when the alcoholic drinks.
Professional driver: accompanying a driver in the event of the insured’s inability to drive on the road
Assistance in travel: includes crane, assistance in case of emergency (lack of gasoline, puncture, forgetting of keys, unloaded battery), car workshop, among others.
Legal assistance: support during and after the accident with a lawyer.
Assistance to people: medical accompaniment, transfers for companions, hotel and hospital expenses, funeral coverage, among others.
Vehicle replacement: loan of a vehicle in case yours is in the workshop.
International assistance: according to the policy and the country where you are (generally the countries of the Andean pact have this type of assistance) accounts with medical, legal and legal assistance, among others.
Tire burst: Replacement of the rim in case it complies with the characteristics of the originals.
Home assistance: this is provided to the address listed in the policy and includes plumbing, carpet disclosure, locksmithing, glass, among others.
Luggage coverage: in case of loss, it is based on the location of the same, while in case of total loss; the insurer offers an economic remuneration.
Free technical-mechanical review: available for some vehicles, but represents a great saving for the insured.
Others: information on the state of the roads,
Extra-contractual civil liability
When acquiring an all-risk auto insurance policy, you have coverage in cases where total or partial loss is presented for damages, total or partial loss for theft and damages or injuries to third parties, the latter known in specialized jargon as Extra contractual Civil Liability and which you can know in detail in our article What should I know before buying an All-Risk Auto Insurance?
At the time of taking the policy and according to the value of this, the insurers put at your disposal Amparo’s in different amounts for these coverage’s, which we must keep in mind because, in the event of a loss, the company will respond up to the value specified there.
One of the determining factors when choosing a vehicle insurance policy is the percentage corresponding to the deductible (Learn more about the deductible with our article Deductible of insurance policies in 5 commandments). This figure represents the amount you must pay to the insurer of the amount calculated for a loss and that is usually 10%, although in some cases and according to variables such as the insured value (vehicle price in Fasecolda) or the incident occurred (total loss or minor damages, for example), may increase or decrease, and even disappear.
It also happens that the deductible can be set at a minimum wage, in which case according to the amount committed in the loss, you must pay the company that amounts to cover the remaining balance.
All Risk vs. SOAT Insurance
Before acquiring all risk insurance for automobiles, it is necessary to be clear that it works as a complement to the SOAT since the coverage of the latter is often insufficient in view of the various incidents and situations that appear on the roads and that when taking an additional protection, we can compensate in a much more optimal and comfortable (learn more about the differences of this two insurance with our article SOAT vs. Car Insurance).
By means of the insurance all risks, you protect the investment that you make in a car because the insurer covers the cost originated in eventual accidents, thefts, total or partial damages and even, damages or injuries to third parties by diverse amounts.
Thus, at the moment of an event in which you, your vehicle or even a third person are involved, the insurer will respond to your name and compensate those affected in a way that corresponds to the case.