SOAT
DIGITAL

SOAT
DIGITAL

SOAT is the Mandatory Traffic Accident Insurance that every motor vehicle must have in Peru. SOAT is used to cover medical expenses, compensation and burial of people who are affected by a traffic accident, whether they are drivers, passengers or pedestrians. SOAT is a way to prevent and reduce the negative consequences of traffic accidents, which are one of the main causes of death and disability in the country. By having SOAT, timely and adequate care is guaranteed to victims, as well as financial compensation that allows them to cope with the situation. SOAT is a solidarity insurance, since it is financed with the contributions of all drivers and benefits all citizens.

Don't let an unexpected event change your life. Get SOAT with Birlik and ensure your peace of mind and that of your loved ones. SOAT is more than insurance, it is a responsibility that takes care of you.

Frequently Asked Questions:

Understanding SOAT
Emergency Medical Care
Disability Compensation
Funeral Expenses
Coverages
Why is SOAT Important?
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A Practical Example: Imagine you're driving your car, and suddenly, a dog crosses the road. You brake sharply to avoid hitting it, but the driver behind you fails to stop in time and crashes into you. Both you and the other driver are injured in the accident. In this situation, each would be covered by SOAT.

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SOAT will cover all costs associated with emergency medical care for you and the other driver. This includes ambulance transport, medications, tests, surgeries, and any necessary rehabilitation.

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If any of you suffers permanent disability due to the accident, SOAT will provide compensation. The amount will depend on the determined degree of disability.

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In the unfortunate event that any of you dies as a result of the accident, SOAT will cover funeral expenses, including the wake, coffin, transport, and burial.

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For death: covers up to 4 UIT.

For medical expenses: covers up to 5 UIT.

For funeral expenses: covers up to 1 UIT.

For permanent disability: covers up to 4 UIT.

For temporary disability: covers 1 UIT.

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SOAT is essential because it protects you from facing devastating financial consequences on your own. Additionally, it is mandatory to have it in Peru; otherwise, you may face fines and sanctions that could even result in the loss of your driver's license. We hope this example clarifies how SOAT works. If you have more questions, don’t hesitate to ask us! 😊


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