If you think that vehicle insurance is an unnecessary expense, it belongs to 80% of Peruvians who think the same. And although at first it seems that he was saving, the truth is that this same opinion can make him lose a lot of money in the future.
Vehicle insurance is products created with a view to preventing future disasters, especially financial ones, since they allow for a possible accident, your finances remain stable and you do not have to spend thousands of soles on the consequences of the accident.
That is, invest today and avoid paying larger amounts in the future. But what if it doesn’t? What is he risking? These are three things that will take its toll in the future:
I would pay the expenses of an accident
When insuring your car, you can rest easy knowing that in case of an accident – whether it is your fault or not – you will only have to pay the amount of the deductible and not all repairs to the car or damages to third parties that may be caused.
It is true that the SOAT covers damages to those involved, but you should not forget that your coverage is limited, so if money is missing, you will have to leave your pocket.
I would pay for the purchase of a new car
But what happens if your car is stolen? In this case, having no insurance, you will have to take full charge of buying a new car. And it is that those who are already accustomed to driving their own vehicle find it difficult to return to public transport. However, by having insurance that includes the Robo Total policy, they would return the commercial value of the car, which could acquire a new one.
I would pay for roadside assistance
Forgetting the keys inside the car, that the battery runs out, among other problems, can occur on a day to day basis and the good news is that if you have coverage that includes roadside assistance , your insurance takes care of everything, so that you can be back on the road in minutes. Otherwise, you will only have to take the car to the workshop or ask for help.
It is true that at the moment the purchase of insurance seems like a heavy expense, but the truth is that if you compare all the things you get in return – and those that you get rid of – you will realize that it is worth it. Remember that this purchase does not have to be so expensive, ideally, compare up to 3 alternatives before choosing the right insurance.