Public Liability Auto

The General Conditions of any insurance are aimed at detailing the terms of coverages and their content, as well as the benefits, requirements and restrictions set forth in the agreement.

Your compulsory insurance covers you for all amounts which you may be legally required to pay as a result from an accident while driving or using your vehicle, which causes damages or bodily injury to a third party. Furthermore, you will have access to additional subscription coverages, such as medical expenses cover, roadside assistance, towing or extraction of the vehicle.

In case of an accident you can report your claim through the telephone service MAPFRE Contact Center, where a reference number and a claim adjuster will be assigned to you. We will fix a date with the day and time at the branch closest to you to avoid delays in attending your claim.

This policy has certain requirements that shall be evaluated by the customer. It is very important to consider them in order to know better your rights and obligations when hiring it.

• With each claim you must provide certain information and documents: policy number, policyholder name, driver’s license, car license (it can be a copy), grievance report or grievance number.
• Your vehicle must not be used for the delivery or transport of goods and materials, unless such use is incidental.
• Additional covers cannot be hired without the payment of the corresponding extra premium.

The following restrictions apply to the policy:

• For purposes of this policy, MAPFRE considers that the insured car corresponds to the vehicle that appears on the statements.
• To benefit from the Roadside Assistance coverage, the vehicle must not be used for public transport of persons or goods, or be rented with or without a driver.
• To benefit from the Roadside Assistance coverage, your vehicle must not have a total weight higher than 7,700 pounds or 3,500 kilos.
• We will not provide liability coverage to any person intentionally causing bodily injuries or damages to property.
• We will not cover liability of the policyholder arising from the use of any motor vehicle other than the insured auto.

We recommend to the policyholder, in order to receive benefits of all the guarantees of the policy, to consider some relevant aspects before and after contracting the policy:
When subscribing an insurance is important to know if the product suits our needs. Here are some recommendations in order to hire a policy:

• Read carefully the special provisions and the clauses of each coverage.
• Study the additional covers that you can hire with this policy.
• Hire the coverages you really need.

Once contracted the Public Liability policy is important to consider the following issues:

• This policy only takes effect when you pay the premium established by us.
• It is useful to know the terms, limits and policy requirements to act accurately in case of accident or mishap.
• Documents related to the policy need to be located in a suitable place.
• In case of an accident, you must contact us without delay.
• In case of an accident, the insured is obliged to use the means at its disposal to mitigate the consequences of it. Breach of this duty will entitle us to reduce its services in an appropriate proportion.
• If there is another applicable insurance, we will only pay the corresponding part.
• The policyholder must always act in good faith in case of loss.