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FAQ - Drive

1. Do you insure motorcycles?

Yes we insure motorcycles but only Third Party risks.

2. I was in an accident, who decides who is at fault?

Sometimes it can be hard to know who is at fault in an accident. 
Therefore, the insurance companies involved studies the case and the laws and decides between them who is at fault. 

In difficult cases experts are called in as consultants to assist in the final decision.
Sometimes both parties can be at fault and the reimbursement will be accordingly.

3. Who decides how much I will be compensated for my car?

Every claims situation is different and sometimes hard to evaluate!
To give our customers the best service we are therefore relying on our external Experts to evaluate the situation and report the value of the loss and how much should be reimbursed to the customer.

The external Expert is not associated to the insurance company and are professionals in their field.
They do the inspections, calculate the Day value/Wreck value and assists us with providing the amount that needs to be paid out to the customer.

They also assist in deciding who is at fault when needed! 

 

4. What does "total loss" mean?

Sometimes, after an accident the car is damaged beyond repair. In other words, it's a "total loss".
New India considers a vehicle a "total loss" when:

- The damage of the vehicle is so severe that it can't be repaired safely;
- The repairs of the vehicle exceeds 75% of the day value of the vehicle itself; 

We will then reimburse the customer the day value of the vehicle minus the wreck value.

If you have a factory new vehicle you can insure the full value up to 3 years, without depreciation in claims.
Call our office for more information! 

 

5. What does a Third Party Insurance include?

A Third Party is the most basic cover you can have for your car and this is required by Curacao law (L.A.M.).

The primary reason why this is mandatory is to cover physical damage to a third party's vehicle, property or bodily injury in a traffic accident where you are at fault.

So that means that other parties involved in the accident are covered, not your own car or passengers! We always recommend our customers to upgrade to a more complete cover for their safety.

6. How much will my car insurance premium be?

Your car insurance premium will depend on a few factors:

  • The type of the car; we will look at the use of the car- private or commercial.  
  • The cars manufacture year and its catalogue value; older cars are less fit on the road and expensive cars can be even more expensive to repair.
  • And number of years which you have driven accident free.
  • But also what cover you choose

To get a “No Claim”- discount you need an original no-claim letter of your previous insurance company.

7. Is a Passenger insurance included in the basic Third Party insurance?

No! Many drivers mistakenly think that bodily injury coverage in a policy will cover passengers in their own vehicle, BUT it only covers passengers in the other car when an accident happens. So, don’t forget to upgrade your Third Party insurance with our Passenger insurance!

8. Can I insure my right handle driven car?

Yes, as the law still allows RHD cars on the roads, insurance companies are still insuring the vehicles but sometimes to a higher charge based on the higher risk.

Now, it is still allowed to drive RHD cars on Curacao. The disadvantage of right hand drive cars is that you have less overview and are not suited the left-hand roads. At the moment, the government researching is a bigger risk and cause more accidents than the regular left-hand drive cars. Pending their decision, imports of right hand drive cars will be banned and they will not be allowed on the roads. 

9. What happens when my car gets stolen? Is my car insured?

No, your car is not insured if you only have a basic insurance. If someone else steals your car and crashes it, or someone steals it and injures someone else or someone else property...You have to pay for all the damages even thou it's not your fault!!!

BUT with our Third Party with Fire & Theft you are covered! With this insurance, you have the basic cover that the Third Party insurance offers but your own vehicle is also insured against theft and fire. This insurance then covers if something would happen to your car while is not being driven by you!

Please remember that Third Party is the basic cover and it only insures the third party in case of an accident when you are driving it. All damages on your own car, when you’re at fault are not covered.

10. Can I insure my car if I have tinted windows?

Yes, as the law still allows tinted window cars on the roads. 

But be aware for a fine! The front windscreen and the front side-windows must let at least 70% of light through and for the rear windshield and the back side-windows is the limit 0%. That means it can be totally black, if the car is equipped with the proper exterior mirrors! The police have a tolerance of 3%, if the measurement shows a lower result than 67%, you are violating the law.

11. What kind of car insurance is mandatory Curacao?

Having a Third Party insurance is obligatory in Curacao and you must be able to prove it with a valid certificate. The Public Prosecutor will subscribe a big fine for driving without an insurance but worse, if you happen to be in an accident you can be taken to court and this will cost you!

12. What does "full coverage" mean?

Our Third Party insurance helps pay for damage you cause to the other party in an at-fault accident, while our comprehensive cover can help repair damage to your own car (or replace it altogether). 

13. Am I covered if I rent a car?

Generally, the car rental company has insured the car. If you cause an accident while driving the rental, your liability insurance would pay up to your policy limits for the damages to other cars or property.

14. What happens if I lie about my driving history?

If you lie about your driving history, the DMV reports that you are committing what is known as “soft fraud.” If you do lie, the insurance company can deny you services and cancel your coverage.

15. Can an auto insurance company deny you service?

Yes, they can. If you have a DUI on your record, have bad credit or have caused a serious accident, you can be denied service.