In Peru, a little more than 200,000 new vehicles were sold in 2013, this responds to a growing trend that has caused our car fleet to grow and renew.
It is important to emphasize that 70% of these vehicles circulate in Lima, that is, if the aforementioned trend continues, after five years more than 700,000 new vehicles will have entered Lima. Now, how does this situation affect all those who do not have a new car? Although it might seem that the answer is nothing or little, on the contrary, it affects a lot.
When we think of insurance
The first thing that comes to mind is to protect our car from some theft or a crash, assuming that the other drivers are the ones who drive badly and / or are reckless. This especially for those who have spent years without even bumping into a sardinel.
However, we must not forget that accidents occur (even if nobody wants them to happen), that they have many causes and that in some of them we are responsible. It is at this point, where the renewed car park affects us, in which we cannot determine against what or how we are going to be injured. We do not know if our temporary carelessness is going to lead us to lightly scrape a taxi – a situation that we can probably fix with a small amount of money – or hit a truck whose value is more than one hundred thousand dollars, which many of us will not repair.
If I do not have the immediate means to repair my car, I could easily decide to leave it in my garage or at the door of my house, dusting until the means are available, but the affected third party will require yes or yes that your vehicle be repaired. The fact is that an accident like the one mentioned above can affect our assets in an unimaginable way or lead us to take debts for more than we would like.
The basic coverage of an automobile insurance policy
Is that of civil liability against third parties. This protects us from the damages we cause to any person or as a result of an accident. This is the simplest insurance that is offered in the market and has a fairly convenient price against the protection it offers you, this together with the legal assistance and defense that the company assumes, is a very important benefit and above all, get rid of many problems.
The old saying about insurance that says “it is better to have it and not need it, than to need it and not have it” becomes relevant when we put ourselves in an extreme situation, such as a painful illness, a road accident or simply forgetting a key inside of the car. That is why and because accidents are unforeseen and unwanted that it is important to have insurance.
Finally, the tips:
- There are many types of policies for your car, with more or less services and with more or less coverage. Find the one that suits your needs.
- Keep in mind that the higher coverage and services, the higher the price.
- Request options, especially from different coverages, you will be surprised at the offer that exists.
- Take some time and read your policy, ask your advisor for help or approach your insurance company for information about your coverage, it is important to know your benefits and above all, your obligations. The policy is a contract and as such you must know it!