RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about motor. Choose an editorial series and explore one question at a time.
14 articles
Life doesn’t warn you
Inês and Clara distinguish a provisional offer for past expenses from final assessment and payment timing in a bodily-injury claim in Portugal.
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In the situation covered by article 36, five working days are available to submit information, followed by a final decision. Distinguish this step from repeating the accident report.
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The four-working-day rule starts when the assessment is completed and has qualifications. Learn what to request and how the report differs from a decision or repair instruction.
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Recovery rights involve more than the inspection date. Understand malfunction’s role in the accident and a statutory qualification at contract formation.
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No insurance record in a registration lookup? Separate a service error, a missing record and the policy’s actual status. Know what to check and how to document a discrepancy.
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Portugal's FGA distinguishes personal injury from property damage. Understand the current unidentified-vehicle rule and avoid confusing it with uninsured driving.
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Separate the injured party's Article 42 right from optional assistance and own-damage cover. Check responsibility, immobilisation and duration.
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No agreement on the collision? Read ASF guidance on separate statements and organise facts, photos and contacts without deciding fault yourself.
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Opening the car, transporting it and replacing a key can be treated differently. Separate the assistance service from the cost of replacement material.
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Separate damage to your own vehicle from liability to other people when assessing a motor fire claim in Portugal.
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Repeated breakdowns need context. Organise repair records and clarify the terms and limits of motor assistance.
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Compare assistance for an electric car with no charge: recovery destination, charging points, occupant transport and service limits.
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Separate damage to your vehicle from damage to the pillar. A collision without another car still requires checking the covers and property involved.
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Prepare a car sale in Portugal without confusing the handover of keys with an insurance transfer. Check ASF guidance and organise the communications.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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