What are the skills of car insurance claims?

Auto insurance, also known as vehicle insurance, is a relatively young type of insurance. Auto insurance contains a lot of content. So, what is the coverage of car insurance coverage? What are the tips for car insurance claims? The following will be a detailed introduction to the relevant content by the editor of the French website, I hope it will be helpful to you.

What does car insurance mean?

 Vehicle insurance, that is, motor vehicle insurance, referred to as auto insurance, also known as auto insurance. It refers to the commercial insurance that is liable for personal injury or property damage caused by natural disasters or accidents of motor vehicles. Auto insurance is a kind of property insurance. In the field of property insurance, auto insurance belongs to a relatively young type of insurance. This is because auto insurance is produced and developed with the appearance and popularization of automobiles. At the same time, different from modern motor vehicle insurance, in the early stage of auto insurance, the main insurance is the third party liability insurance of the car, and it is gradually extended to the risk of collision loss of the body.

What is the scope of car insurance not claiming?

 1. No claim will be paid if the claim limit is exceeded

 The full name of compulsory traffic insurance is “compulsory motor vehicle traffic accident liability insurance”. If a traffic accident occurs on the insured vehicle after purchase, resulting in injury, death, or property loss, the insurance company will compensate for each accident according to the part agreed in the compulsory traffic insurance contract. compensation within the limit.

 2. The vehicle spontaneously ignites, and the vehicle damage insurance does not pay

 The full name of car damage insurance is motor vehicle loss insurance. When the car is damaged in a traffic accident, the insurance company will make claims according to the degree of damage. new car purchase price.

 However, it is worth noting that the insurance company will compensate for the loss of the vehicle that must be incurred during the use of the insured or its permitted driver.

 3. The tire spontaneously ignites, and the spontaneous combustion insurance does not pay

 Spontaneous combustion insurance, as an additional insurance type of vehicle damage insurance, cannot be purchased separately. Only when the vehicle fires due to problems such as oil leakage, circuits, lines, fuel supply systems, and cargo can be claimed.

 However, most of the time, the spontaneous combustion of tires is not within the scope of claims of spontaneous combustion insurance, because the “tire” is not included in the explanation reply letter issued by the China Banking and Insurance Regulatory Commission for “spontaneous combustion”.

 4. Glass insurance: no claim for glass breakage caused by a traffic accident

 The full name of glass insurance is individual glass breakage insurance, which can only be compensated if the glass is damaged due to an accident other than a traffic accident.

 For example, if the car window is smashed, and the glass is hit by a stone while driving, it can be compensated. If the glass is damaged due to a car accident, it will not be compensated.

 5. Theft and rescue: only when the whole vehicle is stolen will the compensation be paid

 The full name of theft insurance is full car theft insurance. As the name suggests, only the entire car is stolen, and the compensation will be paid. If the money or vehicle parts in the car are stolen, no compensation will be paid.

 Three, what are the skills of car insurance claims

 1. Protect the scene in time after the accident

 The relatives around me have encountered such a thing: someone else’s car changed lanes and hit my relative’s car, blocked the road behind on the elevated road, and the horns blared. Leaving the main road, led to the fact that the other party denied the fact that he had changed lanes when the accident was identified, which made it impossible to determine the responsibility. If the car owner encounters such a situation, he must do a good job if he has a mobile phone by his side, take photos and collect evidence, and then evacuate the scene, pull over to the police and wait for the traffic police to come, and show the evidence to facilitate the police to determine the responsibility for the accident.

 2. Report to the police promptly

 Now we all choose to travel by car when it comes to short holidays. On the one hand, a car can take the whole family, which is more convenient. On the other hand, there are no tolls on the highway during holidays, so the car has become everyone’s first choice. But we panic when we have an accident while out of town. At this time, please note that when the car is in an accident in a different place, we must report it in time and wait for the insurance company to come to the rescue. Do not repair the haul by yourself. We also need to take photos of the accident scene as soon as possible as a basis for claims.

 3. Fix the damage first and then repair the car

 Many of our car owners are very anxious to see that their beloved car is broken after an accident, so they choose to repair the car as soon as possible without waiting for the insurance company’s loss assessor to investigate. recognized loss. This will cost the owner of the car. The normal situation should be to wait for the insurance company’s loss assessor to take a photo and get approval before starting the maintenance.

 4. No compensation for small scratches

 Our car owners believe that as long as the car is damaged, insurance is required. However, at present, the insurance company links the number of trips to the insurance premium for the second year. Too many trips will lead to an increase in the premium in the second year. If there is no insurance, there is a discount on the second-year premium. Therefore, when we encounter a small scratch and the claim amount is very low, it is recommended to repair it by ourselves, and do not report an insurance claim.

 The above is the relevant content of “What is the scope of car insurance not claiming? What are the skills of car insurance claims” compiled by the editor of the French website for you. We can know that not all cases are claimed by car insurance. So be sure to look carefully, and then use some tips for claim settlement. If you still encounter other problems, you are welcome to visit the legal platform of French.com and consult professional lawyers.