Did the rain damage the vehicle?

This is how you will reduce your insurance before the next rain

Winter weather conditions increase the chance of an insurance incident in the automotive field - from involvement in road accidents to damage from flooding, injuries from falling objects, lightning strikes or perhaps the need for rescue.

How will we lower insurance costs and how will we prepare for the next storm?

I have Seville

30/01/2022

Sunday, 30 January 2022, 17:21 Updated: Saturday, 05 February 2022, 10:07

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This winter seems like a lot of precipitation, which is very good for agriculture and the water economy of the State of Israel, but a little less good for our property, whether it is an apartment or a car.

This time we will focus on the vehicle, the one that is constantly outside, exposed not only to accidents, God forbid, due to weather damage, but also to flooding or injury as a result of hail, tree collapse and more.

, offers five iron rules that will keep you insured properly and cheaply all winter and also with the arrival of the following storm:

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Vehicle with Dacia

You will receive a discount on routine maintenance

1. Proper maintenance of the vehicle may reduce the insurance policy

- Car care and maintenance does not affect the deductible, but when drafting the policy, if the insured declares that he maintains the vehicle, you should check whether your insurance company gives you a discount on regular maintenance of The vehicle therefore, should not be taken lightly in the need to check the brakes, tires, bulbs, wipers, steering system, defrost test and the like.

Proper maintenance of the vehicle may lower the insurance policy (Photo: ShutterStock)

Installing life-saving safety systems

2. Installation of a safety system and road accident prevention systems may reduce the policy by up to 10%

- installation of road accident prevention systems may reduce the cost of the policy in compulsory, comprehensive and third-party car insurance.

As of January 2018, every new vehicle imported into Israel is required to install life-saving safety systems.

Passive and life-saving safety systems are currently installed in about 12% of all private and commercial vehicles up to 3.5 tons.

The economic viability of purchasing such systems is not only related to the tax benefits provided, but today insurance companies offer rates depending on the characteristics of the driver and the risk that the insured produces after it is proven that installing such systems may reduce the chance of accident by tens of percent.

Installing safety systems and warning against accidents will reduce the policy (Photo: Manufacturer's website)

The importance of dedicated comprehensive coverage for winter

3. It is recommended to provide comprehensive insurance coverage and third party coverage in unique situations that occur in the winter

- in light of the weather conditions in the winter, the vehicle is exposed to more external hazards.

The comprehensive car insurance policy covers damages as a result of weather damage such as floods, hail, lightning strikes, storms that cause trees and power poles to collapse so it is important to ensure this coverage.

If you do not have comprehensive insurance, it is important to at least take care of third party coverage in case a third party is also involved in the accident.

Such coverage is important, for example, in cases where the insurance company is required to "step into the shoes" of the insured and conduct a claim with a local authority or with a third relevant party (if the insured purchased comprehensive car insurance, third party coverage is already included in this policy).

In winter, the vehicle is exposed to more external hazards such as flooding, lightning strikes and the collapse of objects (Photo: Flash 90, no)

Find out who the rescue service provider is

4. Make sure you know who the rescue services provider your insurance company works with

- rescue services are necessary throughout the year, but in winter the chances are that you will need higher rescue services.

It is worth knowing that in some insurance companies it is possible to receive additional unique services, such as receiving a replacement vehicle to the scene of the accident or to the house.

Additional start-up if necessary and more.

Therefore, it is worthwhile to find out in advance which body will provide you with a service and what are the unique conditions in the policy of the company that insures you.

Who is the rescue service provider that works with your insurance company? (Photo: Spokeswoman)

It is important to document the cause of the damage

5. Proper documentation - key to receiving full and quick reimbursement and compensation

- photocopy of the damage, photocopy of the cause of the damage (other vehicle / flooding / infrastructure problem), timely notification to the insurance company of the damage.

Saving things that can help the appraiser determine the amount of damage (do not throw away objects that caused the damage - this is a situation that characterizes an end case - should see if it is relevant to leave the matter of keeping the objects that caused the damage), check that the appraiser also addresses future damages , Keeping and documenting any document related to the repair, an appraiser's report, etc. - all of these will help in the correct pricing of the amount of compensation you deserve and will speed up the process of receiving the compensation.

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Tags

• vehicle

• winter

• Insurance

• Weather

• Storm damage

• Damages