Duties and Ensuring Basic Knowledge in Case of Accident

CONDITION ONE: NOTICES OF CLAIM

Upon the occurrence of any accident, loss or damage, the insured or the beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA within three (3) working days counted from the date on which the accident occurred.
The insured or beneficiary shall give notice to the INSURANCE COMPANY AND / OR INASEG LTDA all claims, proceedings or diligence, letter, claim, notice, or summons received, within three (3) business days following the date on that has news related to any event which might give rise to a claim under this policy.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

INSURANCE COMPANY to pay compensation is required, within one month following the date on which the insured or beneficiary stating the occurrence of the incident and the amount of loss, the evidence permitted by law, provided that the chosen shall be able to demonstrate clearly the facts that are being claimed.
INSURANCE COMPANY AND / OR INASEG LTDA considered perfected the claim in total losses for theft or damage when there has been proper transfer of ownership on their behalf and to revoke the registration, if applicable (Loss Theft total), and the vehicle is at peace and safe in taxes or charges that are payable to the vehicle
The payment of any compensation will be agreed subject to the deductible and the other terms, limits, exceptions and conditions of such insurance.

CONDITION THREE: UNDER RULES OF CIVIL TORT RESPA

Payment of compensation will be for the victim, which is a beneficiary, if the damage is caused by the insured and is civilly liable under the law.
Except with prior approval of the company, the insured shall not be entitled to:
• Recognize your own risk.
· Make payments, make arrangements, transactions or reconciliation with the injured

Be compensated to the actual amount of loss suffered and proved not to exceed the insured value.

SECOND STATUS: OBLIGATIONS OF THE INSURED IN CASE OF LOSS AND PAYMENT OF COMPENSATION

Any compensation shall be subject to the deductible listed on the face of the policy to the sum insured and / or commercial value.
Spare parts and accessories will be replaced or will be paid at the discretion of the company also reserves the right to make repairs to the vehicle or any of its parts and to choose freely the workshop.
If the pieces, parts or accessories required for the repair not be found in trade, shall be paid the insured value of the same as last quoted local representative authorized by the factory.
In the event of total loss, unless the lienholder (if any) authorizing the payment of compensation to the insured, shall be in favor of the creditor who should appear on the policy as beneficiary, and the excess, if any, paid to the insured.

CONDITION FIVE: RESCUE

When the insured is compensated, the vehicle or its parts salvaged shall remain the property of the company. The insured will participate proportionately in the net salvage sale, taking into account the deductible and underinsurance, if any place in the latter.

Net saving is defined as the value resulting from discounting the value of sale of the same expenses incurred by the Company, such as those for the marketing of such recovery and rescue.

SIXTH CONDITION: COEXISTENCE OF INSURANCE

If at the time of loss existence of other insurance policies covering the same vehicle the company will bear proportionately the respective amount in the insurance cover, unless maliciously omitted information about the coexistence of such insurance.

PROCEDURES IN CASE OF LOSS

DO NOT assume any responsibility, or perform transactions without the order of the Insurance Company.
If personal injury seek immediate medical attention.
Get complete information about the other vehicle and driver.
Order the intervention of the authorities.
Give notice in Bogotá PBX LTDA 623 24 55 INASEG respective numbers, or the Customer the Company to which you have obtained your insurance policy, and out of Bogota in the nearest branch within 3 days after accident .
Do not give orders for repair of the vehicle without the consent of the Company.
In case of theft this complaint before the competent authorities as soon as possible.

NESCESARIOS DOCUMENTS TO FILE COMPLAINT

Legible photocopy of the current Mandatory Insurance.
Legible photocopy card or purchase contract property.
Legible photocopy of the pass and identification card of the person driving the vehicle.
Legible photocopy of identity card of the insured.
Legible photocopy of a sketch of the traffic (if any).
Legible photocopy of the notice of settlement (if available).
Legible photocopy of the policy.
In case the insured is unable to make the claim must submit an order authorizing the person to perform the procedures relevant to the insurance company.
Submit a transfer form if the protection is affected DAMAGES FOR LOSS TOTAL (transfer to the company.)
Submit two forms of transfer in case the defense is concerned TOTAL LOSS BY THEFT (transfer and cancellation of registration).

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