EN 
PT_BR 
At the beginning of the month, a truck loaded with solar panels overturned at MGC-462, in Patrocínio (MG). According to the PMRv (Military Highway Police), the 47-year-old driver reported that he lost control of the car when he tried to make the turn, due to the weight of the load.
The vehicle crossed the road, falling to the side of the highway. According to the military, the driver was well and conscious at the time of the rescue, thus not requiring medical attention. The truck and cargo were policyholders.
In all types of activities we have a risk of accidents and, consequently, losses. Therefore, it is extremely important to support the entire chain, from purchasing, transport, installation and, above all, people.
And how to protect and avoid losses in the event of an accident with photovoltaic equipment, for example? Through an insurance policy. This is what Vanda Somera, director of Visioni Corretora de Seguro, explained.
Currently, there is a range of insurance products on the market that can be contracted and, thus, assist the entire chain in the sales and installation of solar generation systems. Are they:
- Life Insurance – Personal Accident;
- Civil Liability Insurance – RC Engenharia;
- Civil Liability – Provision of Services at third party locations;
- Civil Liability – Works – Installation and/or Assembly Services;
- Equipment Insurance;
- Property/Company/Home and Condominium Insurance;
- Transport Insurance.
- Each type of insurance has a specific purpose. Let's take a practical example like the accident that occurred in Patrocínio.
In the first phase of the process, that is, when transporting the panels to the location where they would be installed, the accident occurred, causing disruption and possible damage to the owner of the goods.
“With prevention, responsibility and excellence in work, the company took out an insurance policy. This policy covered not only accidents, which was the case, but also theft or theft of cargo. According to the owner of the carrier, they are currently in the process of determining the damage to compensate the customer,” said Vanda.
“On a daily basis we have RCTR-C (Road Cargo Carrier Civil Liability Transport Insurance), which is mandatory by law and must be carried out by a private, outsourced vehicle or by an independent transporter – one who is contracted to carry out the transport of third-party goods”, he reported.
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RCTR-C Insurance covers the carrier's civil liability for any loss or damage suffered by goods or merchandise that were delivered for transportation against the issuance of the bill of lading.
In this type of insurance, she commented that such losses will be covered as long as they occur during transport and are directly caused by collision, rollover, collision and/or tipping over of the transporting vehicle and fire or explosion in the transporting vehicle.
“The payment of losses and damages covered by RCTR-C insurance will be made, by the insurer, directly to the third party owner of the goods or merchandise, with the approval of the insured. This insurance cannot be taken out collectively, and the policies must be individualized per insured person”, he highlighted.
In the case of cargo theft, it is necessary to take out RCF-DC (Optional Civil Liability Insurance for Disappearance of Cargo), which is optional insurance and can only be taken out in conjunction with RCTR-C.
“The total disappearance of cargo is covered, as long as it occurs simultaneously with the disappearance of the transport vehicle, as well as theft resulting from armed robbery”, pointed out the specialist.
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Furthermore, the director of Visioni Corretora de Seguro emphasized that the RCF-DC guarantees the insured, up to the amount contracted as the maximum compensation limit, the reimbursement of monetary reparations for which he is responsible for damages caused to third party assets that have been delivered for transport.
In accordance with the general conditions of RCTR-C and RCF-DC insurance, the insured, in the insurance contract, and the road cargo transporter, must be duly registered in the RNTRC (National Register of Road Cargo Transporters) of ANTT ( National Land Transportation Agency).
“By taking out the insurance policies mentioned above, among others that can be analyzed on a case-by-case basis, the complete chain can be insured. Remember that taking out insurance is like creating a project and installing a photovoltaic generating system, you need a qualified and qualified professional”, concluded Vanda.
