5 tips to avoid puncturing your car tire

Is a flat tire a constant concern for you? Check out some tips on how to avoid this situation with your car:

Tire calibration

Always keep your tires calibrated. Flat tires with less air than they should have less pressure and resistance, making them more susceptible to punctures. Keep an eye out, and whenever possible use the free calibrators available at gas stations.

Be careful to fill the tire with just enough air as indicated by the manufacturer. Refer to the vehicle manual for recommendations to avoid over or under pressure.

Tire grooves

Observe the depth of the tire trims, which should not be less than or equal to 1.6 mm, which will indicate that it is worn, increasing the chances of accidents. In addition, this is also an indication that the tire is thinner and more prone to punctures from any sharp or cutting object that may pass through the streets. Therefore, it is important to periodically check the condition of the tires, since the more worn, the less safety they offer to the driver and passengers of the vehicles.

Vehicle alignment

A misaligned vehicle can cause abnormal and uneven tire wear, increasing the likelihood of punctures in the most worn parts. When driving, always pay attention to the alignment of the wheels and look for a specialized professional when you realize that the steering is not completely aligned.

Adverse conditions

In adverse weather conditions, special attention is needed. Heavy rain and hail make visibility difficult, so drive carefully to avoid driving your car over surfaces that could puncture the tire.

The same goes for big gusts and mainly floods. Strong winds can spread sharp objects along the route. Avoid passing the car in flooded areas, because in addition to running the risk of getting stuck, it is not possible to know what is submerged and you could end up with a flat tire in the middle of the flood.

Steering and spare tire

The way you drive will also influence tire durability. Avoid sudden changes in direction and unexpected braking that can consume rubber unnecessarily. Also, take special care when driving on uneven and rough terrain. Stay tuned, periodically check that there is no debris or objects accumulated in the tire cracks, which can alter the pressure increasing wear and even the chances of an accident.

Even following all the tips above, it is still possible for your tire to puncture while driving. If this happens, be prepared, always have a hydraulic jack at your disposal, and do not forget to keep the spare tire in good condition: calibrated and ready for use. If it has already been used in another situation, ensure that it is replaced or recovered as soon as possible, so as not to be surprised in emergency situations.

What is an accident car?

One of the terms that causes the most confusion at the time of an accident is the accident. Even with auto insurance, many policyholders have doubts about what is or is not foreseen in the plan and can be reimbursed by the insurer. And after the accident occurred, the car became a victim, creating even more doubts about its purchase and sale value.

Understand a little more and see the tips of the experts:

What is the claim?

When the owner of a vehicle hires an insurance company to repair the damage caused in the event of accidents, theft or theft, he signs a contract in which the insurance policy must provide for everything that the company undertakes to include in this coverage. Then, if the vehicle suffers any of these damages, it will be up to the insurer to make the repairs, reimbursement, or indemnity. Each of these items that must be attended to by the company is what we call a claim. Therefore, the more detailed and complete the policy, the larger the list of claims covered by the insurer and, consequently, the more expensive the auto insurance will become.

Which items can be included

Based on accidents, collisions, or minor damages that have previously occurred by other drivers, insurers have a standard list of what may happen to you, your vehicle, or what is possible to cause to third parties. The claim ratio, therefore, is quite extensive and, as a rule, insurers separate between partial or total claims.

Partial X Total

A partial claim is one in which the insurer considers that the vehicle can be repaired and the amount intended for repair is less than 75% of the vehicle’s market price. Minor accidents and collisions are usually included in this modality and are also the most recurring. The total claim is that which exceeds 75%, which may be an accident with a total loss of the vehicle, in which there is no possibility of repair or even a car that has been stolen, for example.

Ominous car

When the car suffers any of the types of claims already mentioned, it is considered an accident car. In the case of stolen vehicles, the insured receives the amount of compensation after calling the insurer and the police. There is a predetermined period in the contract that provides a time for this vehicle to be found by the authorities before the refund is actually paid to the owner. If it is only recovered after payment, the damaged car is put up for auction by the insurance company.

How do you know if a vehicle is damaged?

Not all types of claims will appear in the car’s history, but some may be described at the bottom of the document with the following term: “CLAIM / RECOVERY”. With this information printed, the vehicle certainly loses market value.

In addition, the damaged car must undergo an inspection at a post accredited by INMETRO, specifically for recovered vehicles.

Canceling auto insurance before the deadline is possible?

The hiring of auto insurance is done by most people when purchasing the asset. This is because contracting the service is synonymous with protection and tranquility, as, in the case of claims, there will be support.

But, there may be a need to cancel the insurance policy, and for that, a series of issues comes into action to be discussed directly with the contracted insurer, to effect the breach of the contract.

When to cancel

The contractor of the insurance service can request the cancellation of the service in several situations, such as:

• Car exchange: when buying another car, it is necessary to transfer or cancel the insurance, since your old asset will be in the hands of someone else.

• Dissatisfaction with the service: in some cases, the insurer is unable to meet the customer’s expectations, and the customer will have every right to request cancellation of the policy.

• Sale of the car: if for some reason, it was necessary to sell your car and there will be no replacement of this car for another, the consumer has every right to ask for the termination of the contract.

• Lack of money: the difficulty of payment can generate a request for termination by the customer, in order to avoid default.

Likewise, the insurance company also needs to terminate a policy in certain situations, such as:

• Default: the non-payment of insurance by the customer, after a pre-established term in the contract, leads to the cancellation of services, and therefore, there is a loss of the insurance guarantee. If the customer suffers an accident within this period, the company will have no liability.


• After thefts: imagine the situation in which your car is stolen, and the insurance company is activated. As provided for in the contract, you will receive some money as a form of payment (the so-called premium). After that, your insurance will be canceled, as it is understood that the customer no longer owns a car. Therefore, if you wish to maintain the services, it is necessary to make a new contract.

How to cancel?

If for any of the reasons above or any other, the need arises to cancel your insurance, understand how you should proceed:

1) Contact the insurer

The first step, without a doubt, is to contact the person responsible for the service, either in person, via email or phone. At this point, explain the situation and inform you that you want to cancel the services.

2) Enter into negotiation

After reading the clauses provided for in the policy for termination cases, try to enter into a friendly negotiation with the insurer, so that both sides are satisfied.

But, if there are abusive topics, seek a lawyer, as judicial remedies will be able to annul them.

3) Signed letter

The formalization will be done by filling in some documents, to be sent to the person responsible for insurance.

At this point, you will be guided by your broker in order to do it correctly.

4) Completion of the procedure

Wait for the given period, and contact us to make sure of the cancellation.

Transferring insurance

Buying a new car usually requires the transfer of insurance: in this case, it can be for both the new car owner as well as for your new car.

The procedure is similar to the cancellation, in the steps in which you must contact the insurer, explain the situation, and complete a formalized document.

The negotiation of values, premium redemption, and price adjustment must be done by the insurer itself and accepted (or not) by the customer. This requires a lot of dialogue.

But, in general, it can be said that the transfer in these cases is more advantageous than the termination of the contract, since part of the amount paid will be used, and there will be no need to pay charges and/or fines. In addition, there is no need to face all the bureaucracy that hiring a new service requires. Thus, you streamline and save.

6 tips to lower the value of your car insurance

We know that maintaining a car is not always a cheap mission. Fuel, maintenance, minor repairs, cleaning and, of course, auto insurance. Depending on how you are hired, insurance can be the most expensive of expenses. So it is always good to think of ways to keep your car protected more economically. Did you know that small changes can influence a lot in your final insurance bill? 

Everyone knows the importance of taking out car insurance. It is an asset that is not cheap, and unforeseen events can happen at any time. And in order to make your auto insurance as beneficial as possible, there are some factors that need to be taken into consideration.

To start, think about the importance of the car for your life: if you use it frequently if you have children or elderly people at home. Also, think about how much you expose your car to the risk and whether it can be changed. In addition factors such as age, region, model, and year of the car can also make the final insurance value more expensive. Read and pass the information accurately to your broker.

Check out some alternatives for small changes that make a big difference when it comes to hiring insurance. Do not forget to declare all of these items in your policy so that the insurer is aware that your car is less at risk.

Leave your car in a garage:

The entire insurance amount is calculated according to the total risk of the vehicle. This means that the more exposed to risks your car gets, the more expensive the insurance is. Therefore, if your vehicle spends the night on the street, this will make the final value of the insurance more expensive, as it can be stolen or damaged by third parties. If you don’t have a garage, consider renting one. In addition to making the policy cheaper, you avoid potential losses.

Pay attention to all policy coverage:

Carefully analyze the quote and check if all coverages are really necessary. Some may not be as relevant to you. As a reserve car in case of theft or total loss of the vehicle, for example. It may be that an Uber or public transport already meets your needs in case of need.

Older cars usually have more expensive insurance:

If your car is already very old, it has a great chance of getting more expensive auto insurance. Even if it is your good, depending on your profile as a driver, it is advisable to only insure third parties. That is, it covers damage to any other vehicle that you may damage. It is important to remember that insurance for third parties should not be done only in these cases: it is suitable for all situations.

Invest in security devices:

Remember when we said that the value of your insurance depends directly on the exposure of your vehicle to risk? Well, ways to lower the risk of theft and collisions is to invest in security devices. It is much cheaper than you think and makes a big difference when it comes to quoting your insurance. A simple device that can prevent a major headache is the tracker: if your car is stolen, you are much more likely to locate and recover.

If you have not yet purchased your car, consider insurance:

The driver’s profile is much more relevant than the car model. But the car also influences insurance numbers. Some more current vehicle models already have safety devices, so it is important to put this information on the form when hiring.

If you want to know the quote for your vehicle or want to buy one, check out our comparator. There we give you all the information you need to make the best choice for your pocket, from the theft index to the annual cost of the car.

If possible, leave young drivers as casual drivers:

Young people aged 18 to 25 are the ones with the most expensive insurance. This is because insurers take into account the time that the driver is qualified and also considered drivers from 26 years of age more responsible. If the young man drives the car a maximum of 15% of the time, you can put him as an eventual driver. But if the young person needs to use the vehicle more often, take out insurance in the name of an older person and place the young person as the main driver.

Now that you know how to save money when protecting your car, access our insurance comparison. You can enter your vehicle information and find out which insurance company offers the most advantageous option for you

5 Benefits of Having Auto Insurance

With damage coverage valid throughout the national territory, hiring high insurance guarantees more tranquility and security. When you hire this service with an insurance company, you take the risk in its place, in the case of financial losses caused by accidents, thefts or thefts of vehicles that grow every day in the country.

There are different types of coverage offered, from the most basic items, such as theft and theft coverage, to the most complete policies with 24-hour service, tire change, extra car, payment of damages to third parties, etc. If you use the vehicle as a means of work, for example, insurance can help maintain your source of income, as the insurer can make an extra car available for use while yours is out of circulation.

Car Auto Insurance

The value of contracting the service will be determined by several factors such as the model and year of manufacture of the vehicle, sex, and age of the driver, city, and neighborhood, frequency of use, among others. We have listed for you the main advantages and benefits that can convince you to adopt insurance for your vehicle.

Safety

Having auto insurance is synonymous with tranquility and security when you know that in possible situations of thefts, thefts, and accidents you will not be able to bear alone that loss that can represent a big unexpected break in the budget. If something happens, to the extent permitted by the policy, the insurer is responsible for assuming the damages.

Convenience

In addition to basic coverage, the additional items of the policy offer convenience and practicality, as they cover a wide variety of items ranging from the guarantee of care throughout the national territory, indemnity, and assistance to victims in accidents and payment of losses to third parties involved in claims caused by the insured.

24-hour assistance

Another advantage is the possibility of being able to count on 24 hours assistance in cases of mechanical failure, dry failure, and tire change, for example. In addition to the winch, insurance can be activated to provide assistance in most emergency cases. In most insurance companies, 24-hour assistance is considered a benefit, but there are companies that consider assistance as a separate cover.

Indemnity

Did you know that if the loss exceeds 75% of the contract value, the insured is 100% refunded? If in an accident your car shows a total loss, for example, the insurance will pay the full amount of it in the FIPE table so that you can buy another one. This is also valid for third party vehicles if provided for in your policy, which can save you a lot of headaches.

Indemnity

Theft protection

Our first item was security, but with the increase in the number of thefts and thefts of vehicles in the country, especially in large cities, it is important that you know that the insured who cannot recover the car subtracted by theft or robbery will have 100% of the value reimbursed by the insurer. This guarantee is a great advantage for those who hire the service, especially for those who use the car as the main means of getting around on a daily basis.

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