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 Providing Incorrect Or Outdated Address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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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

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

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

A giant printer called the “Ferrari” of concrete has landed in Latin America and can already build a 120-square-meter house in just 48 hours, making the traditional construction site look like something from the last century.

Brazil will harvest a record crop of up to 357 million tons of grains, but it does not have the capacity to store a large part of it. The storage deficit has reached the highest level in history and is equivalent to almost the entire production of Argentina.

Four times faster than the Concorde, capable of taking passengers from New York to London in less than an hour at Mach 5.5, and with an engine that switches from turbojet to ramjet mid-flight at Mach 3.5, the Hermeus Quarterhorse went from paper to its first flight in just 19 months.

Under nearly 2 kilometers of ice in Antarctica, scientists have discovered an ancient landscape sculpted by rivers up to 60 million years ago, the size of Wales, preserved as a time capsule that could help predict the advance of ice towards the ocean.

She started by collecting oyster shells from restaurants and today she has already accumulated more than 10 tons to restore reefs, recover coastal habitats, and demonstrate how a common waste can become a tool for ocean conservation.

Bricklayers off the scaffolding? New system uses autonomous drones to position bricks and apply adhesive in the air, creating walls with two flying robots working as a team.

BYD Atto 2 DM-i flex prepares to debut in Brazil with a plug-in hybrid engine, national assembly in Camaçari, competitive pricing, and targets Creta and T-Cross in a battle that promises to heat up the compact SUV market.

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