Auto Insurance


Knowing how to trigger the insurance is essential to ensure greater peace of mind during the term of the policy. After all, this way you will know how to proceed in cases of claims, whether through a strike with partial or total loss or theft.

First of all, it is necessary to understand that it is not in any situation that the insurance company should be called, but in those in which there is coverage for the event.

This will not only help you to save time, it also helps you avoid unnecessary headaches and inconvenience with the insurance company with something that you will have to pay for yourself.

With that in mind, we have gathered in this content all the information you need to know about triggering auto insurance on each occasion. Check out!

How insurance coverage works and how to activate it

First, it is important to be aware that the conditions may vary according to the insurer, as each one works differently.

For example, there is no point in calling the insurance company after a collision, if your insurance does not have coverage for this situation.

In addition, there are also rules about partial loss and total loss. Generally, partial loss is only paid by the insurer when the insured is at fault for the accident.

That is, if the accident is caused by a third party, it is he who must pay for the losses in this accident. He can do this through his third-party insurance coverage or he can take the values ​​out of his own pocket.

Partial loss occurs when damage to the car is less than 75% of the vehicle’s market value. The total loss, in turn, is when the value is greater than this 75%.

Understand the cost-benefit of triggering insurance

For a better understanding of the cost-benefit of calling the insurance company, let’s show a very simple example: the car crashed and only broke the mirror.

In this case, to make the repair is usually charged a small amount, well below what the insurance company charges for the deductible.

Therefore, in order not to bear a big loss, it is more financially advantageous to do the repair on your own, without triggering the insurance company.

For example: imagine that the mirror repair would cost R$300, whereas your insurance deductible is R$1000.

Thus, it is better to pay R$300 to the repair shop directly than to pay R$1000 for the deductible.

How to activate auto insurance?

Once you’re sure it’s worth triggering insurance, it’s important to know how to proceed. See below:

How to activate insurance in the event of an accident?

In the event of a claim, you must contact your insurer through the available contact channels, which can be telephone, email, chat, application or others. Contact forms vary according to each insurance company.

In addition, it is important to read your insurance contract and check how to contact the company in these situations.

A very valuable tip is to have the insurance company’s phone number written down in more than one place, such as on your cell phone, wallet or in the car’s glove compartment.

How to claim insurance after collision?

In the event of a collision, the first thing to do is make sure everyone involved is okay. Then file the incident report and contact the insurance company.

In this case, contact with the insurer must be made so that all information on how to proceed is received. If necessary, some documentation will be requested to continue the process.

If it is a collision that makes it impossible for the vehicle to be driven off site, it is necessary to inform the company. If you have the 24-hour assistance service, you can use the towing service.


Finally, it is very important to highlight that if the collision has victims, you must provide help. Therefore, call SAMU, the fire department, the police or any other authority that is necessary.

Remembering that it is essential not to move victims unless there is imminent danger, such as an explosion or being run over and also to signal the place to alert other drivers about the accident.

How to activate insurance in case of theft or theft

In case of robbery or theft, the first thing to be done is to file the report at the police station. Once this is done, notify the insurer so that the indemnification process can continue.

Here, it will be necessary to bring some documents to the company. After the analysis is done, the insurance company will pay the indemnity in full within a period of up to 30 days.

Remembering that the deadline starts counting from the day the necessary documents are delivered. In addition, it can be paused if any important information is missing, and will only resume where it left off after the insured person returns.

What to do if the insurer refuses to indemnify the insurance?

If there is a problem with the insurance company and it refuses to pay the insurance compensation, you should check the reason for the refusal.

If she has breached the contract, it is recommended to contact SUSEP. There you can clear all your doubts in the “Guide to consumer protection and guidance”.

Being right, the next step is to file a lawsuit against the insurance company that refuses to pay the claim.

Always remembering that, in case of non-compliance with the rules, you automatically lose the right to compensation.

Therefore, the ideal is always to read the auto insurance policy before actually signing the contract.


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