Experts point out in a report that vehicle protection goes beyond major accidents and helps reduce unexpected expenses
Most vehicles in Brazil still circulate without insurance. According to the National Confederation of Insurers (CNseg), only 30% of the fleet has a policy, leaving about seven out of ten cars exposed to losses from accidents, thefts, thefts and weather events.
For experts from Yelum, from the HDI Group, the low adherence is linked to the lack of information. “Many drivers associate insurance only with extreme situations, but common unforeseen events, such as breakdowns or minor damages, also generate relevant costs,” says Carla Oliveira, director of Auto Product.
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Among the most common myths is the idea that insurance is only suitable for new cars or inexperienced drivers. In practice, used vehicles can also generate high expenses, and risks such as mechanical failures, third-party actions or floods are independent of the driver’s profile.
In addition, insurance is not limited to major accidents. Many policies include assistance for everyday situations, such as towing, tire changes, and electrical failure.
With the increase in the cost of parts and maintenance, experts point out that protection also acts as a financial planning tool, reducing the impact of unexpected expenses and covering damage to third parties.
