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.
64 articles
Life in the policy
Article 57-A allows certain claims already submitted to an insolvent insurer to be presented to the FGA. This guide covers Portugal-resident injured parties and accidents in Portugal.
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For a cross-border purchase, the 30 days concern the location of risk and run from acceptance of delivery. Prepare the insurance questions before collecting the car.
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A benefit called an advance may be a loan that must be repaid. Understand the distinction before including it in your budget after an accident.
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An injured party has a specific route when the towing vehicle and trailer have separate liability policies. Understand the rule without anticipating the claim decision.
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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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Payment to the injured party has its own reference point and requires the necessary documents. Rui and Clara separate decision, enquiry and payment.
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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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Two parked cars and a door opened by a passenger: being stationary does not, by itself, exclude use as a means of transport. Separate that issue from liability and damage.
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Payment to third parties and recovery against the driver are separate questions. Understand the alcohol rule, road-law thresholds and records to retain.
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Do not read kinship as a general exclusion of passengers’ own injuries. Distinguish bodily injury, property damage and the driver responsible for the accident.
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A statutory special-acceptance route exists after at least three refusals. Understand the distinctions, ASF’s role and the restriction on intermediary involvement.
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The economic total-loss test also includes salvage. See the addition, legal thresholds and a fictional example, separating classification from compensation.
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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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Suspension while awaiting a replacement vehicle must be requested. Understand when the 120 days start and what happens if replacement does not take place.
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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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If an insurer uses claims-history statements to calculate premiums, statements from another Member State are subject to equal-treatment rules. This does not guarantee the same price.
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Urgent dismantling can change the evidence of damage. Preserve the timeline and communicate clearly with the garage, insurer and intermediary.
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Motor insurance, damage to your own car and damage to the building require different questions. Learn how to organise a notification and check the contract before assuming who pays.
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ASF explains that electronic proof of motor insurance does not depend exclusively on ID.Gov. Check the document and learn when paper issue can be requested.
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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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Own-damage cover has rules for updating a vehicle's insured value and premium. Learn what to compare in the annual motor insurance renewal information.
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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.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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