There are different types of insurances, as well as we take care of our
integrity must take care of the integrity of the material things that in
occasions we achieve to have with a lot of effort. In this case we will speak
about the insurances of cars.
It is here where we say to you that you can use an insurance for your
car, to the moment of which you go out of your house in the car, you traverse
risks, since, accidentally you can suffer some type of accident and damage to
your car the equal one of which you suffer some injuries.
The insurances of the cars change depending the prices and the risks
that they cover and specially in the exceptions and limitations in the moment
to indemnify the hurts
What is the insurance of the car?
The insurance of car is considered to be an agreement established
between an insurance company and the policyholder (the interested party or the
holder of the policy), that materializes in a contract of insurances. The
policyholder will receive when a premium pays a coverage of civil obligatory
responsibility for corporal injuries and for property damages.
How does the price of the premium decide?
The premium is the amount for coverage, that is to say, the price of the
insurance. The rate of a premium will be established on having evaluated
several factors, taking in it counts the age, sex, the marital status of the
policyholder, where one guards the vehicle, the record of the driver, the brand
and the model of the car, the coverage of the previous insurance and the
kilometres that it realizes a year. Generally, the drivers with a driver's
historic evil statistical mind have major possibilities of intervening in an
accident, therefore they are conductive to which a more onerous rate will be
applied. One that has decided his value him has to join the taxes, in order
that that way there should be had the price that the policyholder will pay.
There are different forms of payment. The policyholder can choose the
form d payment, quarterly, annual, etc. If for obvious reasons the premium
increases, the company has to notify the policyholder with at least two months
of anticipation to the maturity of the annual policy, in order that in case
that the policyholder does not agree it has time to rescind the contract before
the next renovation.
The insurance ones establish the siniestralidad grouping groups with the
same characteristics, since:
- The age and sex. Statistically more young women are more imprudent and it has a major index of siniestralidad and the women with certain age commit fewer accidents than the men.
- Antiquity like driver: the experience of driving for several years reduces the risk of accidents.
- Territorial area: different zones statistical mind reveal major number of
accidents, it is established by the quantity of vehicles by province, the
traffic, climate (ice, fogs, etc.) types of ways, density population.
What car? The bigger major hurts,
this it is the relation that is born in mind. The expenses
of repair will be major.
Why is
car used? Those that use his cars as tool of work or it is an
indispensable trasporte for his work, has very much use and they are more
exposed
The insurance ones apply a system of bonuses and penalties (bonus malus)
it consists of discounts and surcharges on the basic premium of function to the
disasters declared in the last twelve months by the policyholder. If there were
no disasters the discounts are applied and if they declare disasters they can
up to applying surcharges. These are applied on the insurances of civil
obligatory or voluntary responsibility, own hurts, theft, fire and break of
lunas, other coverages remain excluded.
Those who do intervene in the contract?
In the contract of insurances of cars they intervene:
- The insurance company, which is offers the policy, it
will receive the value of the approved premium and he becomes a person in
charge for the obligation of paying the indemnifications in case of
disaster.
- The holder of the policy (drawee of the insurance),
the holder of the policy can belong different from the policyholder,
because only he is a person in charge of paying the premiums for the
insurance.
- The person who appears as policyholder, owner or owner of the good
or car who insures itself.
- The beneficiary, person that the policyholder chooses
which will receive the payment of the indemnifications in case of
disaster.
- Generally the holder of the policy (Drawee), the policyholder and
the beneficiary is the same. But it can happen that the husband is the
drawee, his wife the insured one and the beneficiary a third party.
- Driver, person entrusted to handle the car.
If you look for the good insurance one it sees and asks for
MAPFRE, which offers you a great variety of insurances of cars of which your you
will choose the one that mas is convenient for you and the one that cover your
needs.
There
investigates which of the packages is convenient for you and contract it, take
care what you achieve with effort and look after yourself your, so you do not think
it mas and come to insure.
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