This may be the story of one of the more than 155,000 cases of car theft occurring in our country, one every three minutes. More in Catalonia than in other communities and the Volkswagen Golf as king of the ranking.
Based on a true story (or rather, true story)
Madrid. Retiro district. Saturday. 4.30 am. Two thousand and little.
Three young fruitlessly seeking one car through the streets of the capital.
-Javi, are you sure you left here?
Yes, yes, sure.
-Javi, you're usually very confused ...
-what had left here!
Javi was right. His car had been stolen and it would appear, total loss, several weeks later in a remote village in the province of Salamanca ...
The number of cases has not declined in recent years. Therefore , one of the coverages perhaps more important - and contratadas- when it comes to car insurance is theft coverage . Let's see a little more about it.
The abc theft insurance
For starters, how we can have this assurance? Very different ways.
First, part (it would be surprising not to do so) the insurance , so if we signed a policy of this nature will have it; Second, although it is not integrated into the safe third basic , yes it could be included in one extended third ; and, finally, it could be hired as an additional coverage .
What provides coverage for theft? Very clear compensation to the insured in case your car is stolen. That, in general, as we talk about types of theft (total, partial and attempt) and modes of compensation.
Let's talk about the total theft . In that case the relevant insurance must compensate the customer with the value specified in each case, there are three types of value contained in the policy: a new, market and venal. The value again says the word itself: it is the price you would your car if you will buy new, but this possibility of recovering the full money does not usually go beyond one year from the purchase of the car; The market value is the selling price would currently the vehicle, which would have paid if we had decided to sell it at that time; and the market is the purchase price, a sum of money from the sale and other securities such as taxes, fees and profit by selling the owner.
The partial theft is one or more elements of the car, such as mirrors and roof rack, if the vehicle has it and has stated in the policy. We know if our contract provides for that possibility.
Finally, the attempted robbery , but not disappear anything, can cause damage to the car as a broken window or a lock. The cost of repair should assume insurance .
Cases and cases
Let's consider other assumptions. For example, of theft . Not exactly the same case as theft, since the latter involves making a violent act and through the use of force, not only with the vehicle, even with people, like when threatened with a gun to steal the car. An example of theft may be the theft of a vehicle driver taking advantage of a chance that the keys were left in the car. In the case of theft the company does not cover so be careful with the keys and not leave them out there.
And another course more rare but can happen: what if our stolen car appears after the compensation claimed by the insurance? No problem, depending on the elapsed time, you can choose to keep the money collected or recovered the car and returned to the insurance money and holy Easter . Yes, if your vehicle has been damaged in principle the insurance company must pay the cost of repair and return it as it was, under conditions of normal use.
Finally, note that it is obvious that the risk of theft depends on variables such as the quality of the car, your security system, if we have garage or conversely sleeping on the street, or even the neighborhood in which we have parked when we go out at night. But not to be trusted, the more better security measures and about the neighborhood, remember that the protagonist stole the car in an upscale area of Madrid ...
Based on a true story (or rather, true story)
Madrid. Retiro district. Saturday. 4.30 am. Two thousand and little.
Three young fruitlessly seeking one car through the streets of the capital.
-Javi, are you sure you left here?
Yes, yes, sure.
-Javi, you're usually very confused ...
-what had left here!
Javi was right. His car had been stolen and it would appear, total loss, several weeks later in a remote village in the province of Salamanca ...
The number of cases has not declined in recent years. Therefore , one of the coverages perhaps more important - and contratadas- when it comes to car insurance is theft coverage . Let's see a little more about it.
The abc theft insurance
For starters, how we can have this assurance? Very different ways.
First, part (it would be surprising not to do so) the insurance , so if we signed a policy of this nature will have it; Second, although it is not integrated into the safe third basic , yes it could be included in one extended third ; and, finally, it could be hired as an additional coverage .
What provides coverage for theft? Very clear compensation to the insured in case your car is stolen. That, in general, as we talk about types of theft (total, partial and attempt) and modes of compensation.
Let's talk about the total theft . In that case the relevant insurance must compensate the customer with the value specified in each case, there are three types of value contained in the policy: a new, market and venal. The value again says the word itself: it is the price you would your car if you will buy new, but this possibility of recovering the full money does not usually go beyond one year from the purchase of the car; The market value is the selling price would currently the vehicle, which would have paid if we had decided to sell it at that time; and the market is the purchase price, a sum of money from the sale and other securities such as taxes, fees and profit by selling the owner.
The partial theft is one or more elements of the car, such as mirrors and roof rack, if the vehicle has it and has stated in the policy. We know if our contract provides for that possibility.
Finally, the attempted robbery , but not disappear anything, can cause damage to the car as a broken window or a lock. The cost of repair should assume insurance .
Cases and cases
Let's consider other assumptions. For example, of theft . Not exactly the same case as theft, since the latter involves making a violent act and through the use of force, not only with the vehicle, even with people, like when threatened with a gun to steal the car. An example of theft may be the theft of a vehicle driver taking advantage of a chance that the keys were left in the car. In the case of theft the company does not cover so be careful with the keys and not leave them out there.
And another course more rare but can happen: what if our stolen car appears after the compensation claimed by the insurance? No problem, depending on the elapsed time, you can choose to keep the money collected or recovered the car and returned to the insurance money and holy Easter . Yes, if your vehicle has been damaged in principle the insurance company must pay the cost of repair and return it as it was, under conditions of normal use.
Finally, note that it is obvious that the risk of theft depends on variables such as the quality of the car, your security system, if we have garage or conversely sleeping on the street, or even the neighborhood in which we have parked when we go out at night. But not to be trusted, the more better security measures and about the neighborhood, remember that the protagonist stole the car in an upscale area of Madrid ...