What are Ping An s car damage insurance and what items are included in Ping An car damage insurance?

As a general rule, the amount of compensation must not exceed the purchase price of the vehicle at the time of insurance of the vehicle, and the amount of compensation must not be greater than the value of the vehicle itself. The way to determine the amount of car damage insurance is different in each insurance company, and motorists should try to choose a variety of ways to determine the amount of insurance when applying for car damage insurance.

For example, the insurance amount of Ping An Auto Insurance of China is determined in three ways:

1. According to the purchase price of a new car of the same type as the insured vehicle at the time of insurance;

2. The depreciation part will be deducted according to the purchase price of the new car of the same type as the insured vehicle at the time of insurance;

3. The policyholder and the insurer negotiate and decide.

The answer to the question of how much car damage insurance can pay is not the only certainty, and the maximum amount of compensation will not be the maximum in the insurance contract, and the payment of car damage insurance is determined by a variety of factors. First of all, according to the proportion of the driver's accident liability in the traffic accident, the corresponding liability for compensation, according to the insurance vehicle accident all, primary, equal, secondary responsibility for the accident respectively bear no more than % liability. Furthermore, according to the proportion of the driver's accident responsibility in the traffic accident, the corresponding accident liability exemption odds shall be implemented for vehicle losses and rescue costs, and the odds shall be based on the total, primary, equal and secondary liabilities respectively.

Of course, if the insured vehicle is insured without deductible, this odds are 0. For example, Ping An Auto Insurance of China has launched a special insurance without deductible, which stipulates that part of the loss amount borne by the insured after the accident will be compensated by Ping An Auto Insurance.

In this question of how much car damage insurance can pay at most, there are several points that need to be paid attention to by the majority of riders.

1. In the event of an accident, if the third party is responsible for compensation or the third party cannot be found, the absolute deductible is 30%. Therefore, in the event of an accident, it is necessary to find the perpetrator or the public security organ to issue materials that can prove the identity of the perpetrator, otherwise the insurance company will not pay the 30% of the compensation.

2. If the insured vehicle is illegally loaded and overloaded, the absolute free odds will be increased by 10%.

3. If the actual driving area of the insured vehicle exceeds the area specified in the insurance contract, the absolute free odds will be increased by 10%. These issues can affect the maximum amount of damage insurance payouts.

The question of how much car damage insurance can cover at most needs to be considered in conjunction with the actual accident and the terms of the insurance company. In the case of uncertain accidents, riders should compare the specific terms of various insurance companies, such as Ping An of China Vehicle Loss Insurance, when applying for car damage insurance, so that they can get the most compensation in the event of an accident.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

What is included in Ping An car damage insurance?

Ping An car damage insurance.

Including collision, overturning; Fire cracks, collapse, collapse of external objects, falling objects in the air, parallel falls of insured vehicles, lightning strikes, storms, tornadoes.

Heavy rains, floods, tsunamis.

Subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, mudslides, landslides, and natural disasters on ferries carrying insured vehicles. After the comprehensive reform of auto insurance in 2020, the insurance liability of the main insurance of car damage insurance has increased, and the insurance liability of motor vehicle theft, ** and its secondary disasters, glass breakage alone, spontaneous combustion, engine wading and other insurance liabilities.

Judging from the items included in Ping An Car Damage Insurance, it can be said that it is very comprehensive and protects the damage to the car from all aspects. After the owner of the car has purchased car damage insurance, in the event of an insured accident, the owner will be compensated for the loss of his own vehicle, after the accident will be assessed by the insurance company for the damage to the insured vehicle, and the insurance company will compensate for the cost of vehicle maintenance in accordance with the terms.

There are four types of Ping An Insurance: life insurance; property insurance; pension insurance; Health insurance.

Ping An Life's services include changes to various insurance contracts, renewal premium collection services, policy loans, insurance claims, claim application form-free services, and national non-local claims settlement for life insurance.

Founded in 1988 in Shekou, Shenzhen, Ping An Insurance Co., Ltd. is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating insurance, banking, investment and other financial services.

The annual premium under the influence of claims has nothing to do with Ping An Insurance Company, and is linked to the platform of the Insurance Industry Association. Under the influence of the insurance industry association's claim insurance platform, the annual premium is based on the number of accidents, regardless of the number of premiums, that is to say, if you lose a dollar, it will be counted as a claim, and a claim of 100,000 yuan will be counted. First of all, let's talk about compulsory traffic insurance, as long as the claim is made once, it will return to the standard premium, taking a 5-seater private car as an example, the standard premium is 950.

Last year, there was an insurance 950There was no insurance in the previous year, 855, no insurance in the previous two years, 760, no insurance in more than three years, and 665If there are more than two accidents, it will be increased by 10%, and if it involves death, it will be increased by 30%.

Let's talk about commercial insurance. Not generally in the previous year, there is no insurance, and the minimum discount of the standard premium can be paid at least 7% of the standard premium in the case of car damage (generally a new car is a discount of the standard premium, divide your first year's premium by about the standard premium of your car insurance), and the insurance will rise by 10% once or twice in the previous year, that is, it can only be discounted to the standard premium, and the insurance 3 times in the previous year can only be discounted to the standard premium. More than three times the standards of different companies are not the same, the insurance association only stipulates the minimum standard, generally more than three times many insurance companies will increase the standard cost, even higher than the standard such as the bad premium, at this time it is recommended to shop around.

Finally, let's talk about something that will be useful to you. Generally, if the claim amount is less than 10% of the previous year's premium, it is recommended to pay it yourself, because the premium will rise by 10% in the next year. It's hard to code, remember.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Friends who buy car insurance encounter a professional term like "car damage insurance rate table", and can't help but mutter, what does this mean? Don't worry, Ping An Auto Insurance tells you. The experts of Ping An online car insurance gave this way:

Vehicle Loss Insurance Premium (Basic Premium, Vehicle Purchase Price * Rate) * Preferential Coefficient. The basic premium and rate are approved by the China Insurance Regulatory Commission, the purchase price of the vehicle is determined according to the actual vehicle model, and the preferential coefficient is based on the claims of each insurance company according to the previous year.

Insurance company car insurance.

The underwriting policy is self-made. For those who don't know much about this industry, you can choose the online car insurance platform of Yulao Ping, whose car insurance calculator can help you solve all your problems.

However, in practice, because the insurance industry currently implements three industry standards, A, B, and C, there are certain differences in the rate structure, rate level and rate adjustment coefficient of major auto insurance companies, which also leads to different premiums of various insurance companies. Therefore, the majority of car owners should be careful when purchasing, and should ask the insurance company to issue a formal car damage insurance rate list, and cannot choose a car insurance with low reputation because it is cheap, so as not to lose a lot due to a small loss.

Now that it is a cold winter, the Spring Festival is approaching, and many car owners are insuring or renewing their cars. Ping An online car insurance can not only help you handle car insurance business, but also calculate the vehicle loss insurance rate for you for free, so that you can save the trouble of going out. As long as you enter the official Ping An of China**, click "Online Ping An", and there is a unified and regular car damage insurance rate table on our online platform, which has a detailed introduction to the premium of each car.

Directly enter the basic information on the official website of Ping An Insurance, you can get fast**, which is convenient and fast and can enjoy more discounts. Ping An Online Auto Insurance provides a discount of "15% more savings on private car commercial insurance", allowing you to save more money on the basis of saving time and effort. Moreover, it also promises the services of "remote insurance, local claims, national compensation" and "less than 10,000 yuan, complete information, and one-day compensation", so that your money can be spent comfortably and at ease.

As long as you notify Ping An Online Car Insurance in time, the staff will appear at your side as soon as possible, investigate and assess the damage for you, and compensate you in time.

Go to Ping An Auto Insurance Online to learn about the rate table of car damage insurance, so that you can have a better idea of your annual premium, Ping An Online Auto Insurance.

The service and reputation will definitely be able to escort your car and solve your worries about sailing.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Ping An car damage Gao Kai danger Qi erected a package of round which items.

In addition to the existing liabilities, Ping An Auto Damage Insurance has added the liabilities of motor vehicle theft, glass breakage, spontaneous combustion insurance, engine wading insurance, deductible insurance, and inability to find a third-party special contract, and deleted the deductible agreements such as accident liability waiver odds and inability to find third-party waiver odds.

It should be noted that the ** of car damage insurance is not uniform. It is calculated as (base premium, vehicle purchase price, rate) * preferential coefficient. Here, the basic premium and rate are set by the CIRC, while the vehicle purchase** is calculated according to the recent market ** at the time of purchase, and the preferential coefficient is set by the insurance company itself.

Extended information] When the insured vehicle is involved in a traffic accident, in accordance with the relevant provisions of the contract, compensate for the loss of the insured vehicle, what kind of accident can be covered? For example, if a car hits a guardrail or a pillar, you can get paid for repairing the vehicle in accordance with the terms and conditions. If the owner of the vehicle accidentally collides with someone else's vehicle while driving the insured vehicle, then the loss of the vehicle can also be compensated in accordance with the regulations.

After expert research pointed out, it is quite necessary for novice car owners to insure car damage insurance, novice car owners will generally experience the beginning of the bump and bump period, during this period of time the car owner is not familiar with the vehicle enough, driving skills are not proficient enough, so it is quite necessary to insure vehicle loss insurance. Car owners who have purchased car damage insurance should first understand the terms of Ping An Insurance's car damage insurance before applying for insurance. Car owners can also search for relevant information articles on Ping An's online sales platform for research before applying for car insurance, and consider what kind of car insurance combination they need to insure.

Ping An Auto Insurance Online Sales Platform can not only query relevant car insurance information, but also insure vehicles for car insurance. Car owners can log in to the online sales platform and then use the car insurance calculator to accurately calculate the cost of compulsory traffic insurance, commercial insurance and vehicle and vessel tax. Finally, the whole process of applying for car insurance only takes 10 minutes to complete, and car owners do not need to worry about the time it will take to apply for car insurance.

In addition, car owners who purchase car insurance on Ping An's auto insurance online sales platform can enjoy the preferential service of "15% more savings on private car commercial insurance". Applying for car insurance online saves time and money, and should be the best way for car owners to insure.

It is important for car owners to understand the relevant provisions of Ping An Insurance's car damage insurance terms. The type of car insurance insured is related to the rights and interests of the car owner, so reasonable car insurance is something that every car owner needs to deal with seriously. Car owners who have purchased insurance on the online sales platform can better manage their car insurance insurance, such as car insurance claim progress inquiry is a very practical service.