Cargo insurance: protected truck.
According to the Road Safety Observatory, during the year 2020, 64,707 traffic accidents were registered and 1,485 people lost their lives, a figure that had a decrease of 8.2% compared to the deaths reported in 2019, which is explained by the pandemic by the Corona Virus.
If we go specifically to the issue of cargo transportation, the annual rate of associated accidents in 2019 was 29.27 claims per 1,000 vehicles, compared to 28.85 the previous year.
The accident rate was calculated by multiplying the number of accidents in which a truck was involved by 1,000 and dividing by the vehicle fleet of trucks, based on the traffic accident statistics of the National Traffic Safety Commission and the vehicle fleet. published by the National Institute of Statistics.
In this scenario, it becomes increasingly important to have the support of an expert when facing an incident, regardless of its severity, on the road.
Full peace of mind
FR Group Corredores de Seguros is one of the eight main traditional brokers in the national market, due to its intermediated premium level, in the categories of general insurance, life, guarantees and credit.
His extensive experience in the world of cargo and passenger transport makes him an invaluable ally for businessmen throughout Chile, who have the following products for their support and peace of mind:
1.- Commercial fleet insurance: Seeks to protect the property and vehicular liability of the owner of the fleet. The possible combinations are:
• Full Coverage: covers Own Damage + Civil Liability (RC) + Total Loss (PT).
• PT + RC: Covers the total loss of the property + vehicle Civil Liability.
• Only Vehicle RC: that protects the third party in the event of a collision.
• All these insurances can incorporate Passenger Seat, Personal Accidents and Crystals.
Depending on the loss ratio of the portfolio, we can provide 60 and up to 90 days of grace for the payment of the first installment.
2.- Transportation insurance: Covers own cargo and that of the principals of the cargo transportation service up to the capacity limit of the transporting vehicle.
3.- Civil liability of companies: Protects the assets of companies before the obligation to compensate for damages or injuries caused to third parties or their workers.
• Main Coverages:
– RC for Damages.
– CR for Injuries.
– RC Employer.
– RC Contractors.
– CR Crusade.
– Pollution CR.
– RC Cargo Transportation.
– Professional RC.
4.- Guarantee Insurance: Its purpose is to insure economic losses suffered by the insured of the policy, in the event of non-compliance with the obligations assumed by the guarantor in public or private contracts.
– Seriousness of the Offer.
– Faithful Compliance with Contract, among others.
Learn more about this service in the attached link:
https://espaciot.cl/2021/09/14/seguros-para-la-carga-camion-protegido/