Optimum

In the event of a car accident, when the car needs to be restored at the service center, Aldagi gives you the opportunity to use an alternative car.

The customer can use the car replacement service for 14 days during the year. If the customer needed to use the service for a short period of time, the remaining days can be used for another insured event.

If the value of the insured car ranges from $8,000 to $20,000, it will be replaced with a Toyota Corolla or an equivalent class car, and if the value exceeds $20,000, it will be replaced with a Hyundai Tucson or an equivalent class car.

In the case of partial loss, if the car is insured for less than its market value, the compensation for the loss is proportionate to the insurance amount relative to the market value. For example, if a car worth $10,000 is insured for $5,000 (i.e., 50% of its market value), and a loss of $2,000 occurs, $1,000 (50% of $2,000) will be reimbursed. If the insured has purchased a product with a deductible, the deductible amount will be subtracted from the reimbursed amount

According to Aldagi's tariff structure, $2,500 is the minimum insurance amount at which a car is insured. Therefore, if a customer wants to insure a car of lesser value, we will insure the car at its market value as an exception, but they will pay the premium for a $2,500 car.

An earned insurance premium is the portion of the premium that corresponds to the period of time that has elapsed from the beginning of the insurance period to a specific date within that period.

For example, let's say the annual premium you pay is $400. If you decide to cancel the insurance contract after 6 months, your insurance was valid for 6 months. During this period, the insurer would have compensated you for any covered losses. Therefore, the proportional premium for the 6 months ($200) will not be returned to you, as it has already been earned.

Since you want to cancel the insurance contract and your insurance will no longer be valid for the next 6 months, the unearned premium can be returned to you proportionate to the time you will no longer use the insurance (unearned premium: -$200).[1]  However, the unearned premium is non-refundable if any loss, even a minimal amount, has been claimed.

The insurer will not reimburse the patrol fine amount. Only the amount of direct damage is subject to compensation.

The premium must be paid in full if any amount has been paid by the insurance company in favor of the insured.

If a vehicle insured with Aldagi is damaged and the at-fault party is different from the insured or authorized driver, Aldag will fully indemnify the insured (even if they have purchased a policy with a deductible). Additionally, Aldagi will recover the reimbursed amount from the guilty party, who has incurred civil liability for the costs caused by the damage.

•  ID card or passport
• Vehicle registration certificate (Texpasport)
• Vehicle Identification Number (VIN) code
• Photos of the car and its interior

In case of damages, call the Aldagi call center at 2 444 999 and the patrol police.

A third party is any person who is not the insurer or the insured and does not participate in the legal relationship between the insurer and the insured. According to this definition, the authorized driver, passengers of the insured car, family members, first-degree relatives, employees, or subordinates cannot be considered as third parties.

When a car is sold, the insurance does not transfer to the new owner. It is important to inform the company about the transfer of ownership.