For any vehicle owner, have insurance that responds to eventualities is a responsibility that must assume a conscious and mature. Unfortunately, no driver is exempt from suffering a setback or unexpected. The figures are increasingly alarming: according to the civil organization Fight for Life, comparing with other countries, Argentina has one of the highest rates of mortality from traffic accidents. According to statistics, in our country there is an average of 21 fatalities per day. Therefore, beyond prudence and road awareness that every driver can develop when driving on the streets, it is as essential as vital that you hire a good insurance policy.
However, when it comes to securing the car arrives, there may be several questions and approaches: What kind of insurance should I hire? What is the most appropriate for my vehicle? Which insurer go? Ultimately, what will be the best insurance for my car? To answer these and other questions, it is important to know exactly what level of protection for your vehicle want. To do this, it is necessary to clarify two fundamental aspects. First, it is important to know how an auto insurance policy works. Second, you need to be aware of what types of insurance existing cars on the market. Once informed of these issues, you'll make the best decision and choose the most appropriate coverage.
Auto insurance are intended to cover the policyholder for any damage and / or injury may suffer as a consequence of any accident. The insurer agrees to cover or reimburse the insured if it occurs any of the events specified in the contract. The risks are usually covered: theft / theft, fire, accident damage, hail. Policies function as a contract, are generally valid for one year and provide for compensation or coverage that will correspond to the insured before each event included in it. Also, in each contract stipulated exclusions to coverage.
In the market there are four types of policies have been categorized for better organization and interpretation of the offer: Coverage A - B - C - D. Coverage A, known as Liability coverage is a basic and mandatory instance. Also known as liability insurance, liability for damage and / or damage to the vehicle owner may be caused to third parties and / or their property.
In the case of wanting the highest level of coverage, the most appropriate would be to opt for coverage D - All Risks. It is usually recommended for cars 0km, at least during the first 3 or 4 years.
Therefore, once you have chosen the type of coverage to hire, how do you know what the best insurance? For these cases, the investigations can be of great help in making a decision. A survey last year by the consulting CEOP (leader in Latin America) announced the 10 insurance companies in Argentina that behave better when claims. The survey, conducted among a group of insurance advisors producers, took into account aspects such as compliance and timely payment of claims, trained to meet the demands of policyholders, investment in improved procedures and technology and quality personnel in the toilet. The 10 companies that had the best averages were San Cristobal, Allianz, Mapfre Seguros Rivadavia, Zurich, QBE, SMG, Sancor, Federación Patronal and Mercantil Andina.
Using the services of online comparators, you can make a comparative values analyzing insurance, coverage, services and assists each of the different insurers. This is the most effective way to find the most appropriate insurance under the specific characteristics of your vehicle, driver profile and the desired level of protection.
We all want long life to our car. We all want the best protection for our family. Therefore, making a conscious search can find the best insurance for your car and ensure all necessary protection and support for difficult times.
