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    • Sinistro de Terceiros: Emprestei o Carro e Agora?

    Redação

    Entre as dúvidas sobre seguro uma das mais comuns, é quando se trata de sinistro de terceiros, torna-se muito recorrente esse questionamento. 

    Principalmente, quando nos referimos ao empréstimo de carro para outra pessoa. Por exemplo, vamos supor que você emprestou o carro para o seu irmão ou cunhado. 

    De repente, ele colidiu com o carro da outra pessoa. Como fica o seguro? Para saber essa resposta, leia o artigo completo! Confira!

    Sinistro de terceiros

    O sinistro de terceiros pode acontecer sempre que emprestar o seu carro para alguém.

    Por isso, é importante pensar bem antes de emprestar o veículo ao próximo. Ainda que seja um amigo ou familiar, sempre pode acontecer imprevistos. 

    Entenda melhor como funciona e saiba aproveitar o seguro sem prejuízos.

    Cobertura para terceiros 

    O seguro de terceiros nada mais é que, aquele tipo de seguro veicular que cobre os gastos para reparar um terceiro veículo envolvido.

    Ou seja, também pode ser utilizado em despesas médicas de terceiro, por exemplo.

    Contudo, tudo isso é avaliado na assinatura do contrato. É fundamental que você retire todas as suas dúvidas antes de assinar. Depois, é tarde demais.

    Pessoas incluídas na apólice

    Para tirarmos esta dúvida é muito fácil.

    Primeiramente, se o seu contrato de seguro veicular é feito de maneira simples, sem dúvidas, ele não cobre acidentes com terceiros.

    Desta forma, caso alguém esteja dirigindo seu carro e aconteça um acidente, esta pessoa não pode solicitar o sinistro.

    No entanto, as operadoras de seguro tem uma função adicional na apólice, que se chama “cobertura para terceiros”.

    Com isso, as seguradoras poderão atender a um sinistro, mesmo que não seja o proprietário do veículo quem esteja dirigindo.

    Conhecida como sinistro de terceiros, esta ação já é muito comum na assinatura das apólices de seguro, principalmente com famílias que possuem apenas um carro.

    Por fim, lembre-se que é fundamental informar na assinatura do contrato quem é o condutor principal, e quem são os subjacentes.

    O seguro é calculado a partir disso, tendo em vista que muitas regras são exigidas.

    sinistro de terceiros

    Confira 4 regras de cobertura para sinistro de terceiros

    1.Pouca experiência

    A primeira das regras avaliadas pelas seguradoras em caso de sinistro de terceiros é a experiência que este motorista tem.

    Ou seja, se já registrou algum outro acidente assim como, se possui sua Carteira Nacional de Habilitação a muito tempo.

    Sendo assim, de fato é necessário que o motorista incluso no sinistro de terceiros tenha experiência. 

    A idade de melhor desempenho é considerada acima dos 25 anos.

    2.Sem habilitação

    Uma outra regra que gere os contratos com a seguradoras de automóveis são a habilitação.

    Certamente, porque nem é possível dentro da lei que esta pessoa esteja dirigindo.

    Portanto, se você quer incluir uma pessoa sem CNH na sua apólice de seguros, saiba que será de um jeito diferenciado.

    Sendo assim, dependerá das regras exclusivas de cada seguradora. Isso porque, o motorista poderá incluir pessoa próximas, que moram com ele na hora do seguro, mesmo que estas não sejam motoristas.

    Em algumas seguradoras isso é um pouco mais difícil, apesar disso, atualmente as empresas vem se atualizando.

    3.Regular

    O motorista regular sempre deve conter no sinistro de terceiros, quando ele não for o proprietário.

    Sempre se lembre-se disso ao fechar seu contrato. Afinal, no trânsito estamos sujeitos a acontecimentos inesperados.

    4.Jovens

    Os jovens de 18 a 25 anos são considerados de alto risco na hora do sinistro de terceiros em qualquer tipo de seguro.

    Isso se dá devido ao cálculo de experiência com a CNH deste condutor.

    Sendo assim, quando acontece um sinistro com estes jovens, a indenização se torna um pouco mais complicada.

    Além disso, em algumas empresas de seguro, ele pode ser mais caro que o comum, devido a alta estatística de sinistros.

    Por fim, entender como funciona o sinistro de terceiros permite tomar decisões mais assertivas. Com isso, evita surpresas desagradáveis, despesas extras e outros problemas que citamos aqui. 

    Agora que sabe que o seguro cobre o sinistro de terceiros seu carro precisa de uma seguradora! Quer saber quais são os seguros mais confiáveis? 

    Deixe o seu comentário!

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