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    • O que é franquia do seguro auto e qual devo contratar?

    O que é franquia de seguro auto? Navegamos na internet em busca de muitas respostas na hora de providenciar um seguro para o nosso carro. De repente nos deparamos com outras dúvidas, termos novos que se falam por aí.

    Antes de contratar um seguro auto é importante que entenda o que é franquia. Do contrário, você pode optar por uma cobertura barata, mas que na hora que precisar do seguro, surgirão despesas inesperadas que podem causar estresse. 

    Não se engane com o valor do seguro, mas considere também, a franquia. Para entender melhor, vamos explicar tudo! Confira!

    O que é franquia: saiba tudo antes de contratar um seguro 

    Mas afinal, o que é franquia? Muitas pessoas têm essa mesma dúvida, mas não se preocupe porque vamos esclarecer. A franquia de um carro é muito simples para compreender. Ela está relacionada ao preço que o segurado precisa arcar, quando for parcial.

    O custo só é válido, quando o segurado é o autor do prejuízo. Por exemplo, bater no carro de outra pessoa no trânsito por distração. Dessa forma, o segurado tem que pagar a franquia, ou seja, o pagamento que corresponde a sua parte. 

    Esse valor é baixo em relação ao total, porém, ele impede que o próprio segurado provoque danos propositalmente para obter os benefícios. De certo modo, essa pequena responsabilidade, ajuda a conscientizar o condutor ao conduzir um veículo. 

    o que é franquia

    Veja como contratar um seguro auto

    Sabemos que um carro representa um investimento de alto valor. Não importa se ele é zero, semi-novo ou leiloado. Sem dúvida, você trabalhou e economizou para comprar o seu. Com isso, temos que cuidar de nosso bem. Para contratar um seguro auto é muito simples. 

    Planejamento

    Basta criar uma lista de necessidades, fazer todos os cálculos de outros gastos mensais para poder investir todo mês no seguro. Com base nisso, conseguimos priorizar o que é mais importante. Pois nem sempre vamos desfrutar de todos os serviços. Portanto, vale montar um pacote personalizado.

    Limite de pedido

    Em segundo lugar, verifique quantas vezes dá para acionar o seguro e solicitar assistências. Pois algumas seguradoras não permitem mais de 5 pedidos no ano. Em contrapartida, algumas seguradoras estabelecem esse limite por mês.

    Contrato

    Nem sempre, podemos garantir que vamos gostar da seguradora. Quem já teve a experiência de fechar o contrato de 1 ano com uma seguradora ou prestadora de serviços no escuro, sabe disso. Às vezes, na empolgação, fechamos no escuro sem saber se vamos de fato, aprovar os serviços dessa seguradora.

    Por isso, parcelar no cartão de crédito pode não ser uma opção viável. Essa é a parte mais importante, pois se a seguradora é incomunicável, temos um grande problema em momentos de emergência. Por isso, esteja atento a esses detalhes. 

    Além disso, não esqueça de chegar se a seguradora está registrada no SUSEP. Essa é uma tarefa fundamental para garantir o seu reembolso, pois a SUSEP é responsável por fiscalizar os produtos de seguro.

    A internet está recheada de informações, mas precisamos saber o que buscamos para chegar nas respostas exatas que atendem a nossa necessidade. Esse artigo explicou tudo o que você precisa saber antes de escolher um seguro e fazer cotações. 

    Ao aprender o que é franquia, chegou o momento de contratar o seu seguro. Quer se aprofundar no assunto e escolher o melhor seguro auto? Comente!

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