The storm that hit the metropolitan area of Buenos Aires caused tree falls, among other consequences. How are insurance coverage in case of damage to vehicles.
The strong temporal that hit the Metropolitan Area of Buenos Aires from the dawn of this Tuesday, brought various consequences such as Fallen trees, light cuts and flown roofs. Another concern that afflicts those affected is The destruction of parked cars in the street And the question about whether insurance covers the damage.
If the car was destroyed by a storm, what happens to the insurance?
There are different types of coverage and each will give protection according to the case. As they explain from insurance companies, every time temporary and flood. None foresee hail, rains or consequences for a storm.
Then they exist More complete plans that include total damage, total and partial robberies and partial and total fires. The most complete, the famous coverage against All risk, It does include hail and temporary damage.
Anyway, in companies they recommend reviewing the detail of each package, because each type of insured is different. As specialists explained, third -party insurance may include – or non -masonry falls, trees and hail in vehicles parked on public roads.
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In case of floods, if the coverage covers the total destruction that assurance can be given or if the partial damage of the original parts of the vehicle has covered. Everything will always be determined by an expert, which will verify that the damage is, indeed, to the inclement weather.
Other companies, They also have packages that They cover inclement weather, with protection plans against all risk and third premium hail. In those cases, there is a vehicle covered against damage to hail total and partial, flood, overflowearthquake and Fall of treeswithout limit, without limit and without franchise, until the insured sum of the vehicle.
The advice is always the same: Check the contract in detail to know under what damage it is covered.
What determines if the author’s total destruction corresponds
An insurer grants the Total destruction Em The case of very serious damage, such as the flooding of a vehicle or the fall of a large tree. This exit is chosen when The repair cost of the unit exceeds 80% of its value or the insured value. As in all cases, You have to see the small print of the contracts.
The incident declaration process includes a Expertise to determine the damages produced and its subsequent arrangement or compensation. For example, in case of water income in a vehicle, in the company they will evaluate how far the water came and what components of the car affected to determine then whether or not to grant the total destruction.
Source: Ambito
