Car Insurance: 5 Common Mistakes in Reporting That Can Void Your Coverage in Case of an Accident

Written by Débora Araújo

Published on 26/09/2025 at 11:18

Foto: Seguro automotivo: 5 erros comuns na declaração que podem anular sua cobertura em caso de acidente

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Discover The 5 Most Common Mistakes When Hiring Automotive Insurance That Can Void Your Coverage In Case Of An Accident And Learn How To Avoid Them.

Hiring car insurance is one of the most effective ways to protect your assets from theft, burglary, and accidents. However, what many drivers do not know is that coverage can be voided by mistakes made during the hiring process. Seemingly simple details, if omitted or incorrectly provided, can lead the insurer to refuse payment of compensation in the event of a claim.

Now understand the five most common mistakes that void automotive insurance coverage and how to avoid them to prevent headaches when you need it the most.

1. Providing Incorrect Or Outdated Address

The residence address directly influences the insurance premium, as areas with higher rates of theft or collisions have a higher cost. Many drivers provide an old address or that of relatives to pay less, but this practice is considered fraud.

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If an accident occurs in a location inconsistent with the reported region, the insurer may refuse the compensation. Always report the actual address where the vehicle spends most of its time.

2. Omitting Who Actually Drives The Car

Another common mistake is declaring only one driver when, in practice, the vehicle is used by different family members, especially young or inexperienced drivers.

The main driver must be reported correctly, as age and length of license influence the risk calculated by the insurer. If an accident occurs with someone not declared who frequently uses the car, the coverage may be voided.

3. Reporting Incorrect Annual Mileage

Insurers request the estimated annual mileage to calculate the risk. Reporting an average that is much lower than the reality—such as 5,000 km when the car drives over 15,000 km—can reduce the insurance cost, but it also opens the door for denial in case of an accident.

The company may request maintenance history or reports to prove the actual mileage. Discrepancies can be interpreted as bad faith.

4. Not Reporting Modifications To The Vehicle

Changes such as the installation of a CNG Kit, sports wheels, lowering, power chip, or any mechanical modification must be communicated to the insurer. These changes alter the risk of accident or fire, besides influencing the replacement cost of the car.

If the modified vehicle suffers a loss and the alteration is not registered in the policy, the insurer may deny compensation or pay a reduced amount.

5. Omitting Professional Use Of The Vehicle

Many drivers use their car for ride-sharing apps (Uber, 99, InDrive) or deliveries but do not inform this condition when hiring insurance. Since professional use increases exposure to risks, insurers require specific coverage.

If an accident occurs during a ride-share and professional use is not declared, coverage may be denied. It is essential to choose plans that include this modality.

How To Avoid Problems With Car Insurance

Carefully review all information before signing the policy.
Immediately inform changes in usage routine or address to the insurer.
Keep documents and receipts that can attest to the veracity of the information.
Be wary of proposals with prices significantly below average: they may indicate a higher risk of future denial.

The rule is clear: transparency protects the driver. Automotive insurance is a contract of trust, and any omission can be costly.

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Car Insurance: 5 Common Mistakes in Reporting That Can Void Your Coverage in Case of an Accident

Discover The 5 Most Common Mistakes When Hiring Automotive Insurance That Can Void Your Coverage In Case Of An Accident And Learn How To Avoid Them.

1. Providing Incorrect Or Outdated Address

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

2. Omitting Who Actually Drives The Car

3. Reporting Incorrect Annual Mileage

4. Not Reporting Modifications To The Vehicle

5. Omitting Professional Use Of The Vehicle

How To Avoid Problems With Car Insurance

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Car Insurance: 5 Common Mistakes in Reporting That Can Void Your Coverage in Case of an Accident

Discover The 5 Most Common Mistakes When Hiring Automotive Insurance That Can Void Your Coverage In Case Of An Accident And Learn How To Avoid Them.

1. Providing Incorrect Or Outdated Address

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2. Omitting Who Actually Drives The Car

3. Reporting Incorrect Annual Mileage

4. Not Reporting Modifications To The Vehicle

5. Omitting Professional Use Of The Vehicle

How To Avoid Problems With Car Insurance

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

At over 8,800 meters above sea level, the summit of Mount Everest is made up of rocks that originated at the bottom of an ocean about 500 million years ago and were pushed to the highest point on Earth by the collision of tectonic plates.

At over 80° south latitude on Mars, a formation called “Inca City” reveals a network of kilometer-scale ridges that forms an impressive geometric grid visible from space, created by deep fractures and sculpted by ice in one of the most extreme environments on the red planet.

A couple builds a system to bring water from the spring to their land, climbs a hill with materials on their backs, and creates a simple, cheap, and sustainable solution to ensure their own water supply.

Embraer’s flying car successfully takes off in SP, advances towards certification, has already completed 35 flights, reaches 43 meters in height, and promises to operate with much less noise than helicopters.

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