AUTOPLUS.
Sure it is designed to protect the heritage of those who are owners of private vehicles with a length not exceeding 15 years.
COVERAGE: Legal assistance, applied in case of partial or total loss of the car by theft or damage, transportation costs - crane or vehicle accident protection, protection of their heritage and tort.
EXCEPTIONS:
This insurance does not cover non-contractual liability in the following cases:
Death or injury to persons that at the time of the accident encontrasen doing vehicle maintenance.
Injuries caused by cargo transport vehicle when not in motion.
Should arrangements without knowledge or consent of the insurer are made.
Damage may be caused to roads, vehicle weight scales, streets and bridges and the reason is because of the weight, width or height of the car.
In the following cases this insurance will not cover the total or partial loss by theft or damage:
Any kind of damage to present the vehicle for natural deterioration or move after an accident without proper repairs.
After 15 days, if the car is not removed from the premises of the insurer is not liable for damages or things that can happen to the vehicle, as it is also unacceptable for the cost of parking.
Equity vehicle insurance cover civil liability or damages present the vehicle if any of the following things happen:
The car has overcrowding that is used for something other than what was agreed in the policy.
Mobilize explosive or flammable goods without knowledge of the insurer.
The driver fails to fulfill any traffic rule, be under the influence of alcohol or drugs.
TRUCKS.
This product is designed to protect the owner's equity vehicle either passenger or heavy load.
COVERAGE: This insurance has the same coverage as autoplus, yet has extra benefits such as economic aid in the recovery of vehicle theft and also has coverage in domestic traffic and mobilization by countries that are under the Andean Pact.
EXCEPTIONS:
Tort, this coverage does not apply in the cases of previous insurance plus the following:
Death or injury to those who are in the vehicle.
Accidents occurring because the vehicle does not meet the standards set by the Ministry of Transport.
When passenger vehicles are outside the permitted area of transport.
It will not cover the total or partial loss by theft or damage: Besides the aforementioned in Autoplus insurance.
Damage affecting the operation of the hydraulic cylinder.
Damage that has the vehicle before signing the policy.
Moral damages and lost profits.
Liability does not cover any damage or loss in the cases previously set out in Autoplus safe and which are presented below.
If the car is seized, confiscated or seized.
Manufacturing problems.
Utility vehicles
This insurance will protect the insured its assets in the event that third accident affected.
It has the same insurance benefits above, however exceptions besides those already mentioned, will not be refunds or payments legal assistance in civil proceedings if the responsibility is not part of the contract.
RCE Public Transport
By getting this insurance is to indemnify third parties as the sum agreed in the policy, for damages caused to third parties as a result of the Tort Liability impinging on the beneficiary under Colombian law.
RCC Public Transport
This insurance is intended for those vehicles carrying passengers and these are adversely affected because of an accident.
Equity vehicle insurance shall not be liable for the injury or death: were caused by passengers or reason is a disease that one of them has.
Utility vehicles
This insurance will protect the insured its assets in the event that third accident affected.
It has the same insurance benefits above, however exceptions besides those already mentioned, will not be refunds or payments legal assistance in civil proceedings if the responsibility is not part of the contract.
RCE Public Transport
By getting this insurance is to indemnify third parties as the sum agreed in the policy, for damages caused to third parties as a result of the Tort Liability impinging on the beneficiary under Colombian law.
RCC Public Transport
This insurance is intended for those vehicles carrying passengers and these are adversely affected because of an accident.
Equity vehicle insurance shall not be liable for the injury or death: were caused by passengers or reason is a disease that one of them has.
FOUR REQUIRED INSURANCE COVERAGE:
As mentioned, mandatory insurance SOAT is an instrument which by law must acquire all Colombians to drive on the territory of our country. The act of driving, although it is some of our day, comes great responsibility and in part, a risk, as we are exposed to many types of accidents, so it is best done in the safest way.
With compulsory insurance SOAT are protected us (drivers), our companions and even pedestrians can get hurt during an accident. This type of insurance generally covers injuries and in the worst cases, death of those involved in the accident.
Remember it is not the same compulsory insurance SOAT a comprehensive insurance for the vehicle, each has its benefits, coverage and costs, one mandatory and the other a decision. If you're driving, do it in the most responsible way and protect yourself.
Now, let's look in detail SOAT compulsory insurance coverage in case you have an accident:
Move all the victims from the place where the accident occurred to the nearest clinic, covering up to 10 SMLDV.
Health care for all persons involved in the incident from the time of admission to the health center until rehabilitation cases if so required, covering up to 800 SMLDV.
If any of the victims were to present, because of the accident, permanent disability, SOAT provides coverage to 180 SMLD.
In case of death of one of the victims it includes compensation to the family for death and funeral expenses, covering up to 750 SMLDV.
Compulsory insurance SOAT has a fixed cost what defines it? The characteristics of your vehicle (model year), there are various categories of vehicles, depending on where yours that's what you pay correspond are. Now, no matter how much you've paid for the SOAT, always you have the same coverage to everyone.
When the value varies SOAT? Each year, according to the increase in the CPI (consumer price index). This value, represented as a percentage, is the same that causes the increase in the minimum wage and is defined earlier in the year, but only the increase in the SOAT is from July each year.
Additionally, it is important to know that because it is a safe established by law, all insurance works and costs the same. No matter through which acquire the SOAT insurance, conditions and coverage will always be the same, also the document format is uniform, the only variable is the logo of the insurance, which helps facilitate verification work to be performed transit authorities. Make sure you buy it from the legal form, through a company specializing in the subject, because if you were to show that it is an illegal SOAT, you can not get coverage when you need it.
Observing including compulsory insurance SOAT we realize that it is absolutely necessary, set up to care for people who already lead the transiting the street, because in case of an accident, there is the importance, each driver of our country must acquire the SOAT once begin handling.
As mentioned, mandatory insurance SOAT is an instrument which by law must acquire all Colombians to drive on the territory of our country. The act of driving, although it is some of our day, comes great responsibility and in part, a risk, as we are exposed to many types of accidents, so it is best done in the safest way.
With compulsory insurance SOAT are protected us (drivers), our companions and even pedestrians can get hurt during an accident. This type of insurance generally covers injuries and in the worst cases, death of those involved in the accident.
Remember it is not the same compulsory insurance SOAT a comprehensive insurance for the vehicle, each has its benefits, coverage and costs, one mandatory and the other a decision. If you're driving, do it in the most responsible way and protect yourself.
Now, let's look in detail SOAT compulsory insurance coverage in case you have an accident:
Move all the victims from the place where the accident occurred to the nearest clinic, covering up to 10 SMLDV.
Health care for all persons involved in the incident from the time of admission to the health center until rehabilitation cases if so required, covering up to 800 SMLDV.
If any of the victims were to present, because of the accident, permanent disability, SOAT provides coverage to 180 SMLD.
In case of death of one of the victims it includes compensation to the family for death and funeral expenses, covering up to 750 SMLDV.
Compulsory insurance SOAT has a fixed cost what defines it? The characteristics of your vehicle (model year), there are various categories of vehicles, depending on where yours that's what you pay correspond are. Now, no matter how much you've paid for the SOAT, always you have the same coverage to everyone.
When the value varies SOAT? Each year, according to the increase in the CPI (consumer price index). This value, represented as a percentage, is the same that causes the increase in the minimum wage and is defined earlier in the year, but only the increase in the SOAT is from July each year.
Additionally, it is important to know that because it is a safe established by law, all insurance works and costs the same. No matter through which acquire the SOAT insurance, conditions and coverage will always be the same, also the document format is uniform, the only variable is the logo of the insurance, which helps facilitate verification work to be performed transit authorities. Make sure you buy it from the legal form, through a company specializing in the subject, because if you were to show that it is an illegal SOAT, you can not get coverage when you need it.
Observing including compulsory insurance SOAT we realize that it is absolutely necessary, set up to care for people who already lead the transiting the street, because in case of an accident, there is the importance, each driver of our country must acquire the SOAT once begin handling.
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