Auto insurance often seems bureaucratic, but the most important decisions fit into a few questions. Knowing the basics helps avoid surprises precisely when safety is at stake.
Below are straightforward answers for beginners, with practical examples and attention to the safe use of insurance — from filing a claim to support via a connected app.
What is basic coverage and what does it really protect?
Basic coverage usually includes collision, fire, and theft/robbery. It protects the value of the car in more serious situations, when the loss would be high.
In practice: - Collision: damage after crashes, even without another vehicle involved. - Fire: accidental fire or caused by an electrical failure. - Theft/robbery: total loss of the vehicle, with or without violence.
Items beyond this (glass, 24h roadside assistance, rental car) are added as optional coverages.
What is a deductible and when is it charged?
A deductible is the amount the driver pays when there is a partial repair. The insurance covers the rest.
Simple example: - Repair: R$ 6,000 - Deductible: R$ 2,000 - Insurance pays: R$ 4,000
The deductible is not charged in cases of total loss or theft/robbery without recovery. It also does not apply when the damage is caused by an identified and insured third party.
Reduced, standard, or increased deductible: which to choose with safety in mind?
The choice changes the balance between monthly cost and out-of-pocket expense in the event of a claim.
- Reduced deductible: less financial impact after an accident; higher monthly premium. - Standard deductible: balance for regular urban use. - Increased deductible: lower monthly premium; requires a larger financial reserve if something happens.
For those just starting out or who drive in busy areas, a lower deductible usually brings more predictability.
Does insurance cover third parties? When does this matter?
Third-party coverage pays for material and bodily damage caused to other people. It is one of the most important parts of insurance.
It prevents an accident from becoming a serious financial problem, especially in: - Collisions with higher-value cars - Damage to walls, poles, or facades - Situations involving pedestrians or cyclists
Even those who opt for basic coverage usually include third-party coverage for safety.
Is 24h assistance just convenience or a safety item?
It’s safety. Towing, tire changes, and electrical assistance reduce risks by avoiding improvisation on the street.
Today, many insurers trigger assistance via the app, using the connectivity of the car or the phone (including via eSIM) to locate the vehicle accurately and speed up service.
Less time stopped in an unsafe location makes a difference.
What to do right after a claim to act safely?
Some simple actions help: - Signal the area and prioritize people’s safety - Avoid discussing responsibility on site - Take photos only if it is safe to do so - Contact the insurer through the official channel (app or phone)
Having insurance details saved on your phone and the app set up in advance saves time when your head isn’t in the right place.
Does auto insurance cover everything?
No. Natural wear and tear, maintenance, misuse, and undeclared items are excluded.
That’s why it’s worth reviewing: - The driver profile - The list of contracted coverages - Deductible amounts
Insurance doesn’t replace defensive driving, but it works as a safety net when prevention fails.
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