Aug 20 2009
Travel Assistance from Car Insurance Services
Few things are as distressing as hanging in the middle of a road. Are you sure your company to effectively solve the problem in a case? It is not something that happens often, fortunately, but if it happens, we will be happy forever have hired a good insurance that responds effectively and, above all, immediately. In our opinion it is absolutely necessary coverage because “trip” can be anything from going home from work to take a vacation in Europe, and nobody is safe from having a breakdown or accident. For more laziness to give us worthwhile read carefully the policy and, if the company does not cover travel assistance properly, or moved to another separate insurance contract with another entity type.
The meaning of the coverage
For any event, our interest is to get us out of trouble as soon as possible, regardless of the reasons why the vehicle can not continue to run. This coverage means that the company be liable if the policyholder has a breakdown or an accident, both in caring for occupants and the vehicle itself and the objects carried within. Normally, this is a very extensive chapter on that includes a multitude of situations and exceptions.
Scope of assistance for the vehicle
Does your company care from Km 0? That is, if it happens so typical that it will leave very early for work and the car will not start because he has run out of battery power, can call you? Or put from kilometer 0 only in case of accident, not down? Some companies they deal with “a little farther from home,” which is usually the Km 5. Others only provide coverage from kilometer 25 to 30, which cast off all the faults that occur between home and work of the insured, who will, without doubt, the most common.
Do you travel to other countries with your car? In that case you are interested in your policy is not limited to national territory because not imagine what could be an accident or breakdown in a foreign country and most if not fluent in their language.
All drivers in the world have put our vehicle on a road or we parked near a beach or in a ditch to make snowballs. Some companies are limited to cover only the avatars that occurred in the asphalt. If your car is treading on ground, you do not have to help for free. So check whether your policy offers you will attend “on all tracks” before leaving the road.
Site repair
Sometimes what happens to the car is silly, but our company, instead of sending a mechanic so we can continue our journey, we sent a crane and we are annoyed by the plan: delays, cancellations of reservations, etc.. Not all have insurance coverage, from our point of view, is very interesting.
Some insurers do send a mechanic, but do not pay the necessary parts and do not include travel for shopping. Others only cover a repair whose workforce does not exceed 30 minutes.
There are certain drivers who are interested to take out insurance for protection against contingencies were quite common, for example, because they are incapable of changing a tire, lost car keys easily rush to keep its zero fuel or diesel as they throw should have put gasoline. An on-site assistance can be very welcome on certain occasions.
Crane and trailer
In case of accident or breakdown can be various situations. There are companies that take the car to the nearest garage, others let you choose within a radius of action, for example, 100 kilometers, and others that let the user decide. This can be important, because if we are on holiday at the other end of the map, we like our car, if you have a major repair, long and costly, is close to home or in our workshop or workshop trust officer brand.
Another issue: if the garage where the car is being repaired in Lugo and we live in Malaga, to take one example, who leads us to our home once set? Do we have to go pick it up or we deliver it “in hand”?
Some companies do send a crane in case of breakdown or accident, but they do the Doomsday in the afternoon. You have to be patient and this is particularly serious if you get caught in a paragraph if it’s getting dark or if traveling with children. There are insurance companies whose assistance promises: “If the lift takes more than 60 minutes to arrive, we compensate you with 60 euros,” which is interesting because it may mean they will do our best to respond as soon as possible.
Rescue
This means that if our car has fallen, for example, the river Ebro, have policies that will do anything to rescue him without added cost, others only spend a certain amount and leave the rest carried out by our own pockets, and other not even move a finger, ie will not cover this eventuality and be the unlucky driver who has to bear the cost of the rescue. It may seem odd to fall into a river, but maybe not so much getting into a ditch or a pit of those that abound, and then …
Assistance to persons
It is a different concept of the automobile coverage. It’s OK to think that we never going to happen, but we look very closely at this section because you never know.
It is central to our policy covers the driver and occupants from km 0 to the entire national territory or abroad if we are planning to leave Spain. With this we ensure that we cover in the event of an accident, for example, when leaving the house and garage if we have a breakdown on a holiday away from home.
Another point to consider is whether it covers all passengers or only the driver and a passenger.
In case of loss or damage that prevents continuing the journey, it is desirable that the policy covers the movement of occupants to their normal place of residence if they wish, or to put a vehicle at his disposal or to pay a public transport to continue until the original destination.
Sometimes a breakdown can take only one or two days to repair and want to wait and then continue their journey, “the insurance pays a hotel stay? To what amount? How many people? And if the vehicle can not continue, “take on the way back? Does it replace a car?
Putting ourselves in the worst, usually, all companies pay repatriation and transport of wounded, dead and sick, but you have to know to what amounts to a maximum if defray the costs of hospitalization and ambulances, medicines, accommodation and travel for companions of the injured party, etc.
Something that might be interesting in those families where only one of its leading members is the possibility that the company sent a driver in certain cases, for example, because the vehicle owner has a sprain.
Other details
Some other coverage can make life easier in case of problems. For example, locating lost baggage in an accident, sending the home of personal effects if there is a breakdown or even its replacement or compensation for lost or forgotten.
Some of these concepts can be written in an obscure way. If insurance is not expressed well or have many exceptions, be wary. And in any case, ask, ask for clarification or switch. Very well be optimistic that he will never think of anything, but optimism is the best travel in confidence knowing that our company will be responsible for help if necessary.
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