What does car damage insurance mean What does car damage insurance mean?

Hello landlord: car damage refers to the loss of their own car, in the following situations belong to the responsibility of the good news:

Insurance liability Article 4 During the insurance period, the insurer shall be responsible for compensation for the loss of the insured motor vehicle caused by the following reasons in the process of using the insured motor vehicle by the insured or its permitted legal driver in accordance with the provisions of this insurance contract:

a) collision, overturning, falling;

2) Falling or collapsing of external objects;

iii) storms, tornadoes;

4) Lightning strikes, hailstorms, torrential rains, floods, tsunamis;

5) Subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

(vi) Natural disasters on ferries carrying insured motor vehicles (only if the driver is accompanying the vessel).

However, in the following cases, even if an accident occurs, there will be no compensation.

Exemption from liability: 6) After the accident occurs, the insured or his permitted driver drives the insured motor vehicle or abandons the insured motor vehicle to flee the scene of the accident without taking measures in accordance with the law, or deliberately destroys or falsifies the scene or destroys evidence;

3) Scratches on the body without obvious signs of collision;

What Does Car Insurance Cover Cover?

The example you said belongs.

Car damage insurance is what insurance companies often call commercial insurance, and the condition is that there is a collision or non-human malicious behavior, and the subject car is damaged.

That's it for easy understanding.

Car damage insurance premium = (basic premium + vehicle purchase price * rate) * preferential coefficient. The rate standard of car damage insurance is as follows: for cars with less than 6 seats, the basic premium of car damage insurance for 0-1 year is 630, and the basic premium for car damage insurance for 1-4 years is 594, and the rate is 594.

6-10 seater car, 0-1 year car damage insurance base premium 756, rate, 1-4 years car damage insurance base premium 713, rate. In addition, general private cars".

Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range if the insured vehicle is damaged due to an insured accident while using the insured vehicle or its permitted driver.

Car damage insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! You probably think that even if the vehicle is damaged due to a natural disaster, the insurance company will pay for it! That's half true, most of the damage caused by natural disasters is compensated.

Scope of Indemnity

1. No compensation for mental losses.

Most insurance policies will have similar provisions, and insurance companies lack a standard for assessing the damages for mental injuries. Any moral compensation arising out of the insured event shall be deemed to be exempt from liability.

2. No compensation for drunk driving, unlicensed driving, and unannual inspection.

In the above situation, the driver is not qualified to drive on the road, which is a serious violation of traffic laws. In addition, if the driver does not match the type of driver who is allowed to drive, or if the driver is on the highway during the probationary period, the insurance company will also refuse to pay.

3. No compensation will be paid for damage caused by starting the engine after water ingress.

In the aftermath of Typhoon Maisha in 2005, this caused a lot of controversy. The insurance company believes that if the driver forcibly ignites the damage caused by the vehicle driving to the depth of the water and the engine is turned off, it is caused by improper operation and is not within the scope of compensation.

What does car damage insurance mean? Although many car owners are usually cautious when driving, accidents are inevitable. When an accident occurs, the car will be damaged, and if you don't have car damage insurance, then you will have to pay for the repair of the car yourself.

But if you have car damage insurance, then the insurance company will cover most of the repair costs. Speaking of which, everyone should basically know what car damage insurance means. To sum up, car damage insurance means that the insurer or its driver has an accident while driving, resulting in damage to the vehicle, and the insurance company will compensate within a reasonable range.

The scope of compensation also includes losses caused by most natural disasters except **.

Some car owners: the amount of insurance has increased. Purchase tax is included in the amount of car damage insurance, which many car owners find completely unreasonable.

Because after the purchase tax is added, the premium is increased a lot. However, at present, when insurance companies collect the insured amount of car damage insurance, they do calculate it on the basis of naked cars** + purchase tax.

Insurers: It is a common practice in the industry. At present, the insured amount of car damage insurance is mostly determined according to the purchase price of the new car, and this provision is clearly stated in the car damage insurance clauses of various insurance companies.

What does car damage insurance meanIn the eyes of the insurance company, car damage insurance includes purchase tax. The reason why they adopt this regulation is said to be because the insurance company does not know how much cheaper the car price is when consumers buy the car, and the **invoice issued for the naked car may not truly reflect the market of the car**.

What does car damage insurance mean? How is the sum insured determined?

Car damage insurance is a type of commercial insurance for automobiles.

It means that the insurance company shall compensate the insured vehicle within a reasonable range if an insured accident occurs while the insured person or his permitted driver is driving the insured vehicle, resulting in damage to the insured vehicle.

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

collision, overturning, falling;

Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured);

Falling and collapsing of external objects;

storms, tornadoes;

lightning strikes, hailstorms, torrential rains, floods, tsunamis;

ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver).

2. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of the insured amount.

What Does Car Insurance Cover Cover?

To put it bluntly, it is to insure yourself from the loss of your vehicle, if you have a car accident or something, you will pay your highest car insurance.

As the name suggests, car damage insurance is insurance that covers damage to the vehicle. When an insured accident occurs while the insured or his permitted driver is driving the insured vehicle, the insurance company compensates for the loss of the vehicle within the limit of liability.

If you want to know whether it is necessary to buy car damage insurance and how much is the annual premium, don't miss this article:Is it necessary to buy car damage insurance? How much is it a year? 》

The main purpose of purchasing car damage insurance is to avoid the situation that you cannot afford the loss of the vehicle after a major traffic accident, and it is generally recommended that the following groups of people purchase it.

1. New cars, novices

The density of urban vehicles is high, the driving skills of novices are relatively unskilled, and accidents can easily occur, and the general owners are more cherished of new cars, so novices and owners of new cars should buy car damage insurance.

2.Vehicles with higher value

Luxury or niche cars have a higher zero-to-whole ratio, so maintenance** is also more expensive than regular vehicles. In order to avoid accidents, the cost of repairs is too high to bear, and the purchase of car damage insurance can be a good way to avoid this risk.

Car damage insurance has a very wide range of coverage, and it doesn't just coverNatural disasters such as hail, typhoons, tropical storms, and heavy snowfallcaused damage to the vehicle, andLike an unlicensed new car or an accidental collision of people in the car resulting in damageis also covered.

But it should be noted that if it happensExemptions from liability stipulated in the contract, such as accidents caused by driving without a license or drunk driving, and it is difficult to clarify the damagesCar damage insurance is not liable.

In fact, car damage insurance is still quite useful for most car owners, if you are interested and want to insureFully insured。However, whether to buy or not depends on the specific protection needs and economic level.

Whether you choose car damage insurance or other car insurance, it's important to understand the service and reputation of the car insurance company. If you're not familiar with car insurance companies, you can take a look at the list I've put together to get a rough idea of what it looks like"2020 Latest Top 10 Auto Insurance Company Rankings!

What Does Car Insurance Cover Cover?

Car damage insurance refers to the damage caused by the insured car or its permitted driver in the event of an insured accident while driving the insured car, and the car insurance company will compensate the model within a reasonable range. Car damage insurance and third-party insurance are the basic insurance of automobile insurance, which is the key to compensate for the damage to the insured car and the damage provided by the insured car to a third party in use. Scope of Liability of Car Damage Insurance:

1. The insurer shall be responsible for compensation for the damage to the insured car caused by the following factors in the process of using the insured car or the driver who allows it to be quiet: impact, overturning, and falling; Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured); Falling, collapsing of external objects; storms, tornadoes; lightning strikes, hailstorms, torrential rains, floods, tsunamis; ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide; The ferry carrying the insured car was hit by a natural disaster (only if there was a driver with the car). 2. In the event of an insured accident, the insurer shall bear the indispensable and reasonable rescue expenses paid by the insured to avoid or reduce the damage to the insured car, and the maximum amount shall not exceed the amount of the insurance premium.

In addition, compulsory traffic insurance is a compulsory insurance in China, and it is a type of insurance that must be purchased for all imitation vehicles. In the event of a road accident, the insurance company can only accompany the party who was hit, in other words, the premise of compensation is limited. In addition, if you do not buy compulsory traffic insurance, the car will lose the qualification for annual inspection, so you can't buy compulsory traffic insurance.