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frequently asked questions
What are the main car insurance coverages?
Comprehensive Coverage: Collision, Fire, Robbery/Theft.
Death and disability of passengers of the insured vehicle.
Property and Bodily Damage caused to Third Parties (Civil Liability).
Can I purchase only theft/theft coverage?
Yes! In this case, you must purchase the existing Fire and Burglary option.
What is Third Party Damage coverage?
It is coverage for reimbursement of amounts to which the insured is obliged to pay judicially or extrajudicially for damages caused to third parties as a result of an accident caused by the insured vehicle. This insurance is known as “RCF-V Optional Civil Liability of Vehicles”, which comprises Property Damage and Bodily Damage as well as Moral Damages if contracted.
Can I purchase only Third Party Damage coverage?
Yes .
Is there flood coverage?
Yes, it is included in Comprehensive Coverage, as long as the risk has not been increased (such as passing through an already flooded street, for example).
Do I have coverage if I travel with an insured vehicle?
Yes, nationwide.
Is the radio or sound equipment covered for theft?
If it is a series equipment, yes, it is covered, with deductible. If not, there is no coverage, unless it has been contracted separately.
What documents are required to purchase auto insurance?
Yes, according to vehicle type:
Used Car – Personal and vehicle documents, and carry out the prior vehicle inspection.
Car 0 Km – invoice and stamp from the dealership with the date of departure of the vehicle.
Car 0 Km direct import from the owner – fourth copy of the import declaration and proof of all taxes collected.
Can an insurance company refuse to insure my vehicle?
Yes, the insurer analyzes the risk within 15 days, and at the end of the analysis, it can refuse the risk. In this case, you will be notified by email, mobile message or phone call. And from that communication, you have 2 (two) business days of coverage, and in the meantime we, at Pacifica, will do a market research in order to find an insurance company that accepts the risk. The return of the amounts paid to the insurer that refused the risk is made within 10 working days.
The main reasons for refusal are:
Problems in the preliminary inspection: vehicle does not match the insurance proposal, excessive damage, vehicles modified by the insured (lowered, tuned, turbocharged, etc)…
Irregularity in vehicle documentation.
Drivers with a history of many accidents.
Registration restriction of the insured person's CPF. Default, legal impediment, etc.
Refusals due to lack of payment and prior inspection are automatic.
My vehicle is in the name of the previous owner. Can I insure?
Yup. The ideal is to make the transfer as soon as possible so that the vehicle is already in your name. Then, in the event of a claim, you will have to prove that you are the real owner (this can be through the transfer receipt dated before the start of the insurance period).
I sold my vehicle. What should I do?
Please contact us at (31) 3324-0213 or (31) 9.9406-8646 and request an endorsement, which can be from:
Vehicle replacement if you have purchased a new vehicle.
Cancellation, if you want the proportional reimbursement of the insurance.
Transfer, in case you want to transfer the insurance to the new owner.
What do I do when a claim involves a third party?
Before anything else, you must be the culprit and take responsibility. Call us (31) 3324-0213 or (31) 9.9406-8646 informing us of what happened. From there, we will contact the insurance company and the third party involved to give them all the assistance and guidance they need, in addition to providing the claim process number so that they can call and report the third party's claim.
An uninsured person hit my vehicle. What do I do?
You must use your insurance only for your vehicle. Do not take responsibility for the accident with the insurance company in this case. You can negotiate with the driver for compensation to cover deductible costs.
A common situation is for the insured to assume responsibility for the 2 (two) accidents/vehicles and the driver responsible for the accident, in the case without insurance, to pay the deductible instead of the insured. The insurer can identify and deny compensation for fraud.
Can I choose where to repair my vehicle?
Yes, you choose the workshop. For vehicles outside the factory warranty, both we and the insurance company recommend that the vehicle be repaired in a network of accredited workshops. Insurers offer advantages, such as discounts on the deductible, for those who take the vehicle to a referenced repair shop. If you want to take it to your private repair shop, it is important to know if the values charged by it are in line with what your insurance company pays on the market. If there is a difference in the budget, you are the one who will bear the difference.
Do I always have to submit an Occurrence Report for any claim?
Yes, in cases of robbery or theft, in accidents with victims and accidents involving third parties. Not for claims with small damage ex:( bump into garage, pillar). In the event of an accident without a victim in which the vehicles are able to run, call 190 and go to the nearest police station/battalion, or make the OR through the Virtual Police Station at the link https://delegaciavirtual.sids .mg.gov.br/ . Some insurers offer a claim service structure in some capitals, and in this case, it is enough to take the vehicles involved to the service station for inspection and release of repair services, in some cases needing an incident report.
How much will I receive if my vehicle accident generates full compensation?
You will receive the amount shown in the FIPE table, “referenced market value” modality. Note on your policy the FIPE code of your vehicle and the contracted “adjustment factor”.
What constitutes a full indemnity?
When the total value of the necessary repairs reaches 75% or more of the contracted FIPE value.
How long will it take to receive compensation?
Normally, the payment of the indemnity is made within a minimum period of 5 (five) business days and a maximum of 30 (thirty) calendar days, counted from the delivery of all documents requested.
Can compensation be refused?
Yes, in case of:
Excluded Risks or Non-Indemnifiable Losses.
Loss of Rights.
Breach of the Insured's Obligations.
For more information, read the General Conditions of your insurance.
Is there compensation when it is proven that the driver was drunk?
Not. The right to compensation is lost if it is proven that the driver was under the influence of alcohol or drugs.
Is there compensation if it is proven that the driver of the vehicle had an irregular license?
Not. However, there is a 30-day grace period for expired licenses.
I crashed into a relative's vehicle. Will there be compensation?
Not. See which people do not fall under the concept of third parties:
Ascendants, descendants, spouse, siblings.
Any person residing in or economically dependent on the insured.
Employees and agents of the insured when at his/her service.
Who pays for repairs at the workshop/dealership?
The insurer. The insured pays only the deductible. The rest of the amount is paid by the insurance company.
What is the release period for the reserve car?
The deadline is approximately 5 working days after the claim is reported, but often the reserve car is released after the repairs are authorized.
When third-party insurance is requested, is there a deductible?
Not. There is only a deductible when the insurance is triggered to repair the insured vehicle.
What is the deadline for the inspection to be carried out in the event of an accident?
The inspection is normally carried out within 48 working hours after the claim is reported.
How long is the vehicle released for repair after the inspection?
The usual deadline for releasing the service is 48 working hours. If the insurer deems it necessary, it may submit the vehicle to a more rigorous analysis, which may include additional inspections, and even promote investigations.
Should I contact the insurer immediately after the claim?
Not necessarily, but as soon as possible, so that the information is as complete and as close as possible to what happened. Please contact us before communicating with the insurer to receive some important guidance.
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