Basic Coverage of Civil Insurance
The basic insurances cover civil damages. You need the basic coverage first to take insurances against accidents and collisions. In order to get insured against theft or additional risks you need basic and other lower levels of insurance first. INS also offers road assistance. This service is free if you are insured up till level D (collision and accidents); drive a private car of less than 3,500 kg and less than 15 years. Extras added to the car that were not placed by the manufacturer can be insured separately.
Insurance is obtained once you purchase your license plates, but additional insurance is recommended. If your car is insured anyone with a driving license can drive it. INS offers additional car insurance. This additional car insurance is called Seguro Voluntario de Automóviles. This insurance cover both damages caused to third parties as own damages and works with degrees of being insured, levels A and C being the basic levels of civil insurance (B is only for specific situations such as rental cars), and level H (additional risks) being the highest level of insurance.
Payments for the insurance can be made on a monthly, trimester, semi-annually basis. If you decide to pay semi-annually you are allowed to pay up till ten days late after expiration. If you pay per trimester you are allowed to be 5 days late with the payment of your premium. If you pay on a monthly basis you are not allowed to be late with payments. In order to insure your car you need to show an inspection report and 4 recent photographs of the vehicle.