Individuals with disabilities are considered to be those who have physical, motor or neurological problems, in addition to those who experience momentary setbacks, significantly losing mobility. Purchasing a vehicle under these conditions, the buyer must certify his situation with the need for expert evaluation, as some health problems may prevent him from having a license to drive.
Due to the numerous doubts surrounding the subject, we have developed today’s article, with guidelines on the concept, rules and how to proceed in the event of a claim in PCD insurance. If you have this insurance or are thinking about hiring one, read on and find out more about the topic!
What is PCD car insurance?
As we already highlighted at the beginning of the text, PCD car insurance is aimed at a specific audience of individuals, who bought new cars as a person with a certain disability.
This group includes not only people who were born with health problems capable of preventing complete mobility, but also individuals who acquired pathologies considered deficiencies throughout their lives.
It is worth remembering that people with temporary limitation problems are also part of this classification. If you have doubts about your entitlement to this benefit, it is important to consult the legislation and assess whether the case meets the legal requirements.
What are the general rules of this insurance?
Normally, when a person purchases a car, taxes such as the Tax on Industrialized Products (IPI), Tax on Financial Operations (IOF) and Tax on Circulation of Goods and Services (ICMS) are levied.
However, legislation offers special conditions for people with disabilities. According to the legal rule, disabled people are entitled to tax exemption in the purchase of new vehicles.
In this way, the car is sold at a price well below the market value, in view of the possibility of exemption from paying taxes.
Individuals who buy vehicles under special conditions need to inform the insurer about this situation, as it is a factor considered in the quotation of the amount to be paid for the insurance.
Such information is essential and must be disclosed, since in the event of an accident, the rules for receiving compensation for PCD cars are different. This is because there was no collection of taxes at the time of completion of the deal.
In situations where the insured provides incorrect data or omits relevant information, insurers may refuse to pay compensation.
How to proceed in the event of an accident?
In the event of a collision accident in which the damage does not reach 75% of the vehicle’s value, the loss is considered partial and the repair is carried out by the insurance. In situations like this, the deductible is paid by the insured to the repair shop and, after the car is released, the insurance company covers the rest.
Thus, in cases where there is a claim with partial loss, there is no change in the rule. Coverage is the same for tax-exempt vehicles and tax-exempt cars. The difference between PCD and traditional insurance can be seen in situations in which a claim occurs with the need for full compensation.
This type of compensation is considered in contexts of total loss, that is, when the damage exceeds 75% of the value of the car, in case of theft or robbery, without recovery of the vehicle, and in the event of fire.
In situations in which such claims occur, the release of the indemnity payment is only given after the transfer of the car to the contracted insurance company.
Thus, in cases where the vehicle has tax exemption for people with disabilities, it is necessary to follow some procedures, which include the rendering of accounts to the Federal Revenue Service and to the Treasury Department. Only after these processes is it possible to carry out the transfer.
In this sense, it is not mandatory to lower the IPI in the case of loss of the car, theft or robbery without recovery. However, the collection of IPI is required in the case of recovery of the vehicle from theft or when the car is saved and transferred to the insurance company.
It is vital to keep in mind that in the event of a total loss, the car still exists. Thus, there is no write-off in the Detran, since for the payment to be made by the insurance company, it is necessary to transfer the “scrap” to it.
In this way, there is only a difference between PCD and normal insurance if the indemnity is full. In cases of partial damages, the valid rules are the same as for other types of insurance.
How to ensure security when contracting insurance?
When finalizing the purchase of insurance , it is necessary to be aware of certain basic requirements. The first, and perhaps the most important, is the search for a reliable insurance company.
These corporations offer services tailored to the needs of each client, and are able to provide clear guidance on the rules and legal requirements for all situations, including special cases, such as PCD car insurance.
It is also worth paying attention to the contract and insurance policy. After all, in them you will find all the information about the rights and duties of the insured, as well as essential aspects to guarantee the right to receive insurance in the event of an accident.
Being aware of your rights and obligations as an insured figure is an aspect that must be considered, as many people fail to inform the insurer of important issues. As a result, they experience greater difficulty in the process of receiving rights in the event of a claim.
Remember that the moment of receiving insurance involves stressful situations. Therefore, having the advice of a serious company and being attentive to the rules of the contract are essential factors to avoid problems when you actually need to use the service.