How is the car insurance payout calculated, and how is the car insurance payout

What are the methods for calculating vehicle insurance claims? Car Insurance: China Continent Insurance.

In today's era, insurance is something we often have to face, but it is easy to buy insurance, but when you really want to make a claim, how much will you lose? Let's take a look at the vehicle insurance claim calculation formula, which can be used to calculate how much we can pay, and we can also estimate how much we will insure ourselves through the vehicle insurance claim calculation formula.

Let's cite a case: if car owner A insures the vehicle with a total insurance amount of 200,000 yuan and a third-party liability insurance with a total insurance amount of 200,000 yuan from Dadi Insurance Company, car B is not insured. Later, a traffic accident occurred, and the final vehicle caused a loss of 200,000 yuan, and a vehicle caused a loss of 150,000 yuan.

Later, the traffic management department ruled that the owner of car A was mainly responsible, 70%; B car owners bear secondary liability, 30 percent, according to the specific deductible provisions of the insurance company: 15% of the main liability deductible, 5% of the secondary liability deductible.

Therefore, according to the calculation formula of vehicle insurance claims, we can calculate: the compensation amount of vehicle loss insurance = the proportion of liability for vehicle loss of vehicle A (1-15%)

That is: 14 70% (1-15%) = 10,000 yuan.

Third-party liability insurance compensation amount = vehicle B vehicle loss and personal injury car A liability ratio (1-15%)

That is, (16+4) 70% (1-15%) = 10,000 yuan.

It can be seen that as long as we have the formula for calculating vehicle insurance claims, we can clearly know how much we can claim. Moreover, we can also judge our insured amount through the calculation formula, and finally achieve the specific purpose of our insurance. And in this era of development, we can also turn to the Internet, there are many vehicle insurance claims calculation formula calculators on the Internet, as long as we enter specific data, select the situation and type we encounter, it can directly tell us what the amount of compensation can be, which is more convenient for our lives.

There are other claims formulas for insurance, and the above is just one example. Specific applications need to be analyzed according to specific problems. The formulas range from simple to complex, if readers encounter confusion and incomprehension, they can call the Dadi car insurance hotline to inquire, and they will enthusiastically tell you the specific results.

Therefore, making good use of the vehicle insurance claim calculation formula can help us not be blind and overwhelmed when facing insurance claims. When it comes to compensation, you can also face it calmly and know the roots. At the same time, our annual financial plan can also be a good plan for the specific amount of insurance and needs this year.

In the end, we can achieve our most ideal results, which is also the purpose of our insurance.

The above information comes from the common rules and conditions of the insurance industry, please consult the customer service staff for specific insurance needs.

Click on my avatar to see the introduction, and take you to understand the car condition inquiry method! Professional query [accident record], [4S maintenance record], etc., the data is accurate and the report is made in seconds!

After the insured accident occurs in the vehicle: first, the policyholder reports to the insurance company, and the insurance company takes the initiative to go to the scene of the accident to assess the damage of the accident vehicle. Secondly, the policyholder goes to the insurance company to go through the claim procedures, and must bring the driving license, insurance contract and accident liability certificate or certificate, and after repairing the car damaged in the accident, the policyholder will repair the car invoice issued by the repair shop, the detailed list, and so on.

The calculation method for vehicle damage insurance claims varies slightly depending on the individual circumstances. The following is an analysis of the specific claim settlement methods in each case: 1. Total loss:

Actual compensation amount = (actual value at the time of insurance - residual value) (1 - free odds). Actual Compensation = (Sum Insured - Residual Value) (1 - Deductible). 2. Partial loss:

Compensation amount = (actual repair and rescue costs - salvage value) (1 - free odds). (Actual Repair and Rescue Costs - Residual Value) (Insured Amount, New Car Purchase Price) (1 - Free Odds).

First of all, car owners must have a certain understanding of insurance claims. Scientifically speaking, insurance claim settlement refers to the act of the insurer investigating and verifying the loss or damage suffered by the insured subject matter in accordance with the provisions of the insurance contract according to the claim submitted by the insured or the beneficiary after the occurrence of an insured event, and paying compensation. At the same time, insurance claims are a key link and specific performance of the insurer to fulfill the obligations of the insurance contract, so the regular car insurance company will sign the relevant insurance contract and make timely claims.

As for the questions of car owners and friends about the calculation method of vehicle insurance claims, the relevant provisions of car insurance have made certain provisions on the amount of insurance and the amount of claims. First, as far as the insured amount is concerned, the insured amount refers to the maximum limit of the insurer's liability for compensation or payment of insurance money, which is the definition of the insured amount. The insured amount is not only the basis for calculating the insurance premium, but also an important basis for the parties to the insurance contract to enjoy the rights and obligations, so it must be clearly specified in the insurance contract.

The insured amount of property insurance is determined according to the insured value, and cannot exceed the insured value of the insured subject matter of the policyholder. If the policyholder is fully insured at the insured value, the insured amount is equal to the insured value; If the policyholder insures a part of the insured value, the insurer generally pays compensation in proportion to the insured amount and the insured value, that is, the maximum amount paid by the insurer at the time of loss shall not exceed the insured amount, so the insured amount is the maximum limit of the insurer's liability for compensation or payment of insurance money.

Second, on the basis of a clear fixed insurance amount, you can clearly calculate the vehicle insurance claim, and we can take a look at several basic car insurance claims calculation methods.

1. If the insured vehicle suffers a total loss, and the insured amount is equal to or lower than the actual value at the time of the accident, the compensation will be calculated according to the insured amount, that is: compensation = (insured amount - residual value) (1 - free odds); When the insured amount is higher than the actual value at the time of the accident, the compensation will be calculated according to the actual value at the time of the accident. Namely:

Indemnity (actual value - residual value) (1 - free odds).

2. If part of the insurance vehicle is lost, when the insured amount reaches the insured value at the time of the accident, it will be compensated according to the actual repair cost. i.e.: indemnity (actual repair cost - residual value) (1 - free odds); When the insured amount is lower than the insured value, the compensation fee will be calculated according to the proportion of the insured amount to the insured value at the time of insurance application.

That is: indemnity (repair cost, residual value), insured amount, insured value (1 - free odds).

3. In the event of a third-party liability accident of the insured vehicle, the compensation limit shall be determined according to the compensation limit specified in the insurance policy. When the amount of compensation payable by the insured exceeds the compensation limit, the compensation limit (1 - free odds); When the amount of compensation payable by the insured is less than the compensation limit: the amount of compensation payable (1 - free odds).

Total loss of the vehicle refers to the damage to the vehicle caused by collision, overturning or fire accident of the insured object that cannot be repaired, that is, the whole vehicle; or the subject matter of the insurance is seriously damaged, the cost of vehicle repair is extremely high, basically close to the insured amount of the insured vehicle, has lost the repair value, or according to the relevant national automobile scrapping conditions, to the extent of scrapping, by the insurance company's survey and damage assessment personnel presume total loss. In the calculation of compensation for total loss of vehicle, attention should be paid to grasping and distinguishing: the actual value of the vehicle and the insured amount of the vehicle.

In the calculation of compensation for total loss of vehicle, regardless of whether the insured amount of vehicle loss insurance is determined by the insured value or actual value or by the insured and the insurer through negotiation, if the insured amount is equal to or lower than the actual value at the time of the accident, the compensation shall be calculated with the insured amount as the maximum compensation limit in the calculation of compensation; If the insured amount is higher than the actual value at the time of the accident, the compensation will be calculated by not exceeding the actual value at the time of the accident. The residual value of the vehicle shall be discounted to the insured according to the degree of early damage of the vehicle and the useful value of the residual part negotiated with the insured, and shall be deducted from the calculation of the cavity compensation.

Click on my avatar to see Jian Chong Yinsuke, and take you to understand the car condition query method! Professional query [Accident Accident Record], [Talking about 4S Maintenance Record], etc., the data is accurate and the report is issued in seconds!

If the insurance amount is determined according to the purchase price of the new car of the insured vehicle, the question of how to calculate the vehicle loss insurance should be referred to: when the total loss occurs, the compensation shall be calculated within the insured amount, and if the insured amount is higher than the actual value of the insured vehicle at the time of the insured event, the compensation shall be calculated according to the actual value of the insured vehicle at the time of the insured event. In the event of partial loss, the compensation shall be calculated according to the actual repair cost, but shall not exceed the actual value of the insured vehicle at the time of the occurrence of the insured accident.