Can vehicle scratches be covered by compulsory insurance?

Compulsory traffic insurance, the full name of which is "compulsory insurance for motor vehicle traffic accident liability", is a compulsory liability insurance that compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit. In other words, the compulsory traffic insurance can only compensate for the loss of the other party's vehicle caused by the accident, and can be compensated within the property damage compensation limit of the compulsory traffic insurance. If the scratches on the vehicle are their own car damage insurance, they will not be compensated, and only those who have purchased scratch insurance or car damage insurance and meet the conditions for compensation can receive compensation.

Compensation, a little bit. A small scratch is enough. The compensation is one or two thousand, which does not affect the commercial insurance, but only the compulsory traffic insurance, and the compulsory traffic insurance will restore the original price.

I'm curious if the following two are robots? It's messy.,It seems that there is a kind of robot software now.,Earn points from the Internet by picking up information questions.,And then sell the library of points.,I don't know if it's not.。

Hello, yes, the car has scratches and scratches, and you can use compulsory traffic insurance to pay for it. Scratching is a property loss, and the amount of compensation can be paid according to the regulations: 2,000 yuan.

Compulsory traffic insurance compensation: All losses caused to third parties (except for the car and the people on the car), regardless of whether they are responsible or not, are within the scope of compensation for the traffic department's strong insurance. When there is responsibility, the maximum compensation for the property loss of the three parties is 2,000 yuan, the maximum compensation for the medical expenses of the three parties is 10,000 yuan, and the maximum compensation for the death and disability of the three parties is 110,000 yuan.

When there is no liability, the maximum compensation for the property loss of the three parties is 100 yuan, the maximum compensation for the medical expenses of the three parties is 1,000 yuan, and the maximum compensation for the disability before the death of the three parties is 11,000 yuan. Medical expenses include: medical expenses, diagnosis and treatment fees, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery fees, and nutrition expenses.

Have a great day.

Vehicle scratches can only be insured if you have purchased scratch insurance.

or car damage insurance and eligible for compensation to be compensated. Compulsory traffic insurance is a road traffic accident caused by the insurance company for the insured motor vehicle.

Compulsory liability insurance that causes personal and property losses to the victim (excluding the vehicle personnel and the insured) and compensates within the liability limit.

Scratch insurance is vehicle scratch insurance, which is one of the additional insurances, mainly as a supplement to vehicle damage insurance, which can provide effective protection for body scratches caused by accidents. Scratch insurance is aimed at scratches on the paint surface of the body, if the collision marks are obvious, there is a cut, and there is a big pit, this does not belong to the scratches, and belongs to the scope of car damage insurance. The amount of coverage for scratch insurance.

Generally, there are four kinds of 2,000 yuan, 5,000 yuan, 10,000 yuan and 20,000 yuan, and the specific insurance is negotiated by the owner of the car and the insurance company. Scratch insurance is based on the actual repair cost of compensation, each compensation has a 15% deductible, when the insurance period of the cumulative compensation amount reaches the insurance amount, the contract is automatically terminated.

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 Coverage: The insurance company will pay 85%-95% of the total amount payable according to the size of your liability for the accident (the rest is the part that is exempt from compensation under the terms of the insurance policy). 85% of the compensation for the full liability of the insured, 90% for the primary liability, 92% for the equal liability of both parties to the accident, and 95% for the secondary liability of the insured.

If the windshield or window glass is broken by a small rock flying from the rotten Honghuai, the insurance company is not responsible for compensation. In the car damage insurance section, the glass is excluded from breaking alone, and the insurance is not responsible for compensation. However, if the glass is insured separately, the insurance company will be responsible for compensation.

Don't do this, if the vehicle is also insured due to the occurrence of the scraping and filial piety incident, then the trembling draft can be directly handed over to the insurance company for processing, and do not force the claim.

1. Can compulsory traffic insurance be reported for scratch insurance?

1. Scratch insurance cannot be reported for compulsory traffic insurance. Scratches on a vehicle are only eligible for compensation if you have purchased scratch or damage insurance and are eligible for a claim. Scratch insurance is an add-on to car damage insurance. That is, it is necessary to apply for commercial car damage insurance with additional scratch insurance.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

2. What materials are required for compulsory traffic insurance claims?

1. Insurance policy of compulsory traffic insurance;

2. Claim application issued by the insured;

3. Valid identification of the insured and the victim, the driving license of the insured motor vehicle and the driver's license;

4. The accident certificate issued by the traffic management department of the public security organ, or the relevant legal documents and other certificates issued by the people's court and other institutions;

5. If the insured chooses to negotiate the traffic accident in accordance with the relevant laws and regulations, it shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures";

6. Proof of the degree of property loss, proof of personal disability, relevant medical certificates, and a list of relevant losses and receipts of careful inspection expenses;

7. Other certificates and materials related to confirming the nature, cause, and degree of loss of the insured accident.