{"id":13903,"date":"2025-08-20T10:47:17","date_gmt":"2025-08-20T13:47:17","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=13903"},"modified":"2025-12-03T11:10:06","modified_gmt":"2025-12-03T14:10:06","slug":"desafios-seguro-auto","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/desafios-seguro-auto\/","title":{"rendered":"Desafios clim\u00e1ticos para o seguro automotivo no Brasil"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">Nos \u00faltimos anos, motoristas e empresas que operam frotas de autom\u00f3veis t\u00eam enfrentado um aumento expressivo de riscos associados a eventos clim\u00e1ticos extremos, como enchentes, tempestades, granizo, deslizamentos e at\u00e9 <a href=\"https:\/\/metsul.com\/como-o-ciclone-extratropical-no-sul-do-brasil-se-compara-ao-furacao-erin\/\" target=\"_blank\" rel=\"noopener\">ciclones extratropicais<\/a>. Essas ocorr\u00eancias afetam diretamente a mobilidade, a seguran\u00e7a e os custos de manuten\u00e7\u00e3o dos ve\u00edculos, al\u00e9m de pressionarem o mercado de seguros a rever coberturas e valores.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">O impacto direto para segurados<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">As enchentes que atingiram o Rio Grande do Sul em 2024 s\u00e3o um exemplo marcante: at\u00e9 maio do mesmo ano, foram registrados mais de <\/span><a href=\"https:\/\/cnseg.org.br\/noticias\/volume-de-indenizacoes-de-seguros-no-rio-grande-do-sul-chega-a-quase-r-4-bilhoes\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">27 mil sinistros apenas em seguro automotivo<\/span><\/a><span data-contrast=\"auto\">, segundo a CNseg. Para pessoas e empresas que dependem do ve\u00edculo, a falta de cobertura pode significar interrup\u00e7\u00e3o de opera\u00e7\u00f5es, aumento de custos log\u00edsticos e perda de produtividade.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">A press\u00e3o sobre pre\u00e7os e condi\u00e7\u00f5es<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A maior frequ\u00eancia de <a href=\"https:\/\/acrisure.com.br\/insights\/seguros-riscos-ambientais\/\" target=\"_blank\" rel=\"noopener\">enchentes e tempestades<\/a> fez os seguros automotivos subirem entre <\/span><b><span data-contrast=\"auto\">15% e 40% <\/span><\/b><span data-contrast=\"auto\">em 2024, dependendo do perfil e da regi\u00e3o. Em \u00e1reas de alto risco, algumas seguradoras passaram a limitar coberturas para alagamentos ou aplicar franquias maiores.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para os segurados, isso refor\u00e7a a import\u00e2ncia de <\/span><b><span data-contrast=\"auto\">revisar ap\u00f3lices e<\/span><\/b><span data-contrast=\"auto\"> entender o que est\u00e1 inclu\u00eddo, al\u00e9m de avaliar servi\u00e7os adicionais como carro reserva e assist\u00eancia 24h. J\u00e1 as empresas precisam investir em <\/span><b><span data-contrast=\"auto\">gest\u00e3o de risco<\/span><\/b><span data-contrast=\"auto\"> clim\u00e1tico e roteiriza\u00e7\u00e3o inteligente, assegurando que toda a frota esteja protegida por contratos adequados.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/monitoramento-de-cargas\/\" target=\"_blank\" rel=\"noopener\">Monitoramento de cargas: Estrat\u00e9gia para prevenir sinistros<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/eventos-climaticos-transporte\/\" target=\"_blank\" rel=\"noopener\">Setor de Transportes reavalia riscos diante de eventos extremos<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/setor-debate-evento-setor\/\" target=\"_blank\" rel=\"noopener\">Setor discute riscos clim\u00e1ticos, inova\u00e7\u00e3o e ESG<\/a><\/li>\n<\/ul>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">Inova\u00e7\u00e3o a favor dos segurados<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Para reduzir riscos e melhorar a experi\u00eancia dos clientes, o setor tem investido fortemente em tecnologia. De acordo com o presidente da CNseg (Confedera\u00e7\u00e3o Nacional das Seguradoras), entre as solu\u00e7\u00f5es j\u00e1 em pr\u00e1tica est\u00e3o:\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Mapeamento clim\u00e1tico e an\u00e1lise preditiva:<\/span><\/b><span data-contrast=\"auto\"> ajuda empresas a planejar rotas mais seguras para suas frotas.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Alertas em tempo real de alagamentos:<\/span><\/b><span data-contrast=\"auto\"> via aplicativos e sistemas embarcados, evitando perdas.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Peritagem digital e intelig\u00eancia artificial:<\/span><\/b><span data-contrast=\"auto\"> agilizando indeniza\u00e7\u00f5es e diminuindo o tempo de parada dos ve\u00edculos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Integra\u00e7\u00e3o com servi\u00e7os meteorol\u00f3gicos:<\/span><\/b><span data-contrast=\"auto\"> permitindo a\u00e7\u00f5es preventivas e prote\u00e7\u00e3o de motoristas.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Mercados maduros j\u00e1 est\u00e3o avan\u00e7ando em solu\u00e7\u00f5es que podem inspirar o Brasil. Na Alemanha e no Jap\u00e3o, seguradoras integram dados meteorol\u00f3gicos em tempo real para ajustar a cobertura dinamicamente. No Chile, pol\u00edticas p\u00fablicas incentivam seguros mais robustos para \u00e1reas de maior risco.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">A nova agenda do seguro automotivo<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">O cen\u00e1rio clim\u00e1tico refor\u00e7a o papel do seguro automotivo como estrat\u00e9gia de prote\u00e7\u00e3o financeira e operacional. Garantir cobertura adequada significa <strong>reduzir paralisa\u00e7\u00f5es, preservar patrim\u00f4nio e manter a continuidade dos neg\u00f3cios<\/strong>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\"><b><i><span data-contrast=\"auto\">Voc\u00ea j\u00e1 avaliou se sua empresa ou sua frota est\u00e1 realmente preparada para enfrentar riscos clim\u00e1ticos?<\/span><\/i><\/b><\/a> <i><span data-contrast=\"none\">Consultores especializados<\/span><\/i><i><span data-contrast=\"auto\"> podem ajud\u00e1-lo a identificar exposi\u00e7\u00f5es espec\u00edficas, recomendar solu\u00e7\u00f5es e apoiar decis\u00f5es que equilibram efici\u00eancia operacional, sustentabilidade e prote\u00e7\u00e3o financeira.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos \u00faltimos anos, motoristas e empresas que operam frotas t\u00eam enfrentado um aumento expressivo de riscos associados a eventos clim\u00e1ticos extremos \u2014 enchentes, tempestades, granizo, deslizamentos e at\u00e9 ciclones extratropicais. Essas ocorr\u00eancias afetam diretamente a mobilidade, a seguran\u00e7a e os custos de manuten\u00e7\u00e3o dos ve\u00edculos, al\u00e9m de pressionarem o mercado de seguros a rever coberturas e valores.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":13915,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[39],"tags":[19],"class_list":["post-13903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros","tag-gestao-de-riscos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Desafios clim\u00e1ticos para o seguro automotivo no Brasil<\/title>\n<meta name=\"description\" content=\"O seguro automotivo tem enfrentado um aumento de riscos 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