The mandatory traffic accident insurance (SOAT) is crucial for emergency protection, especially in summer, when traffic accidents in Peru increase.
It is essential to understand the functioning of Mandatory Traffic Accidents Insurance (SOAT) to guarantee protection in emergency situations. Precisely during the summer, many Peruvians take advantage of the summer season to undertake trips or enjoy the beaches; However, it is important to keep in mind that this period is also characterized by a significant increase in traffic accidents.
He Soat It becomes an indispensable support to face the unforeseen events that may arise on the roads, providing tranquility and security necessary for both drivers As for passengers. It is important to be informed about the scope and benefits of this insurance, which not only protects the occupants of the insured vehicle, but also covers third parties affected in case of accident.
What are the maximum amounts covered by the SOAT according to the type of risk in Peru?
In 2024, more than 3,000 people lost their lives in traffic accidents on the country’s roads, according to information provided by the National Police of Peru (PNP). Likewise, the Ministry of Transport and Communications (MTC) reported that these incidents increase by 20% during the summer months.
In this context, Diego Rosell, Manager of Mass Insurance of Protecta Security, detailed to the Andean agency the maximum amounts of mandatory traffic accident insurance (Soat).
- By death: for each person the SOAT covers up to 4 UIT, which is equivalent to S/21. 400
- For permanent disability: for each person, 4 UIT, which is equivalent to S/21,400 soles.
- For temporary disability: for each person, up to a 1 UIT, which is equivalent to S/5,350 soles in this case, 1/30 of the RMV is taken into account for each day not worked.
- In medical expenses, for each person, up to five 5 UIT, equivalent to S/26,750 soles
- For funeral expenses, for each person, up to 1 UIT, which is equivalent to S/5,350 soles.
SOAT 2025: Does the type or size of the vehicle influence coverage?
The size or type of vehicle does not affect the amount of the individual coverage of the mandatory traffic accident insurance (Soat). The policy is designed to protect all the people involved in the accident, regardless of whether they were traveling in a light vehicle, a truck or a bus. However, the cost of the SOAT does vary depending on the type of vehicle. The injured person can be a driver, passenger or pedestrian, and the SOAT covers everyone equally. The objective is to ensure that any victim receives immediate medical attention regardless of their employment or personal situation, as Rosell explained for Andina.
What is SOAT?
The mandatory traffic accident insurance (Soat) It is a mandatory policy in various countries, including Peru, which provides coverage for the damages and injuries suffered by the people involved in a road accident, regardless of who is responsible for it.
Source: Larepublica
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