How to apply for insurance if the car wants to repair the paint, and whether to go for the car to re

Reimbursement in two cases:

In the first case, the paint damage caused by the accident can be reimbursed by the vehicle damage insurance. (Vehicle damage insurance reimbursement is based on the purchase price of the new car).

In the second case, if the paint on the surface of the vehicle without obvious collision marks is damaged separately during the use of the vehicle or when parking, the insurance money shall be paid to the limit of the insurance amount agreed in advance. (This must be insured with separate body paint damage insurance to be reimbursed).

The car can be painted with scratch insurance, the full name of scratch insurance is body scratch loss insurance, family self-use vehicles, non-business vehicles can be insured, which means that during the insurance period, the insured vehicle has no obvious collision traces of the body surface paint scratched separately, and the insurance company is responsible for compensation according to the actual loss.

General insurance companies have a 15% deductible on scratch insurance. And the scratch insurance reinsurance amount, the minimum is 2,000 and 5,000 and so on. After each claim, the sum insured will be reduced accordingly.

Scratch insurance is an additional insurance to the vehicle damage insurance, that is, it can only be insured if the vehicle damage insurance is insured, and cannot be insured separately. The number of accidents is included in the total number of accidents in the year.

Novice new car, the paint is calculated by the block, I personally recommend not to touch the paint first, because the front position of the car is easy to scratch, you can wait until the next time there is a scratch and then report the insurance, and it is best to be responsible for the other party's kind, because you apply for insurance, the insurance cost of the next year will rise by thousands, not cost-effective.

Don't go to the 200 kind, there will be color difference and feel pimple, experience it yourself.

No.

For commercial insurance, it is also cost-effective to take out insurance of more than 1,000 yuan, because if there is no commercial insurance for three consecutive years, the premium for the fourth year will save about 1,200 yuan. Therefore, repairing a car for 1,000 yuan is cost-effective regardless of which insurance it is.

Therefore, under normal circumstances, compulsory traffic insurance can be insured if it exceeds 200 yuan, and it is more cost-effective to apply for insurance if commercial insurance exceeds 500 yuan.

Precautions for car touch-ups.

1. Clean the surface thoroughly before repairing.

2. For deep wounds, you can apply it several times with the included brush (with an interval of 2-3 minutes).

3. For the uneven scars on the bumper, you can first polish it with sandpaper or repair it with a knife to make the repair effect better.

4. Paint precipitation will affect the use, shake the paint pen fully before repairing, and shake more than 30 times when you hear the impact of marbles.

5. Open the cover of the upright paint retouching pen, and do not open it in a horizontal state to avoid paint overflow.

6. Moisture, oil and rust stains are the main reasons for the failure of repair, please carefully clean and dry the scratches, for the car that has been waxed or coated recently, it is recommended to use alcohol to remove the wax film to be repaired to increase the adhesion of the paint film.

Yes, it depends. If you accidentally scratch your car while driving, it depends on whether the scratch is serious. If it's just a small scratch that doesn't hurt the primer, then you only need to find a car beauty shop to polish it, and it's basically solved.

If there is a deep scar, but the area is not large, go to a repair shop, which is about 300-400 yuan. If the maintenance cost is not high, it is recommended to pay for it yourself. Because if the insurance is issued, the insurance premium will be ** in the coming year, and it will not be deductible.

If the scratch is very serious, then the cost of repair is relatively high. If the cost of maintenance is more than 1,000 yuan, then it is recommended to take insurance. Because the premium for the next year is also **, it will be about the same amount.

In general, if the cost is not high, then it is more cost-effective to deal with it out of pocket than to take insurance. If the cost of repairs is higher, then you can go for insurance.

The first task is to report the case to the public security organs, where you can choose to report the case immediately or afterwards. Prepare your own materials, and most of them go to the police station where the accident is located to report the case. Second, after the public security organ reported the case, it immediately asked the insurance company to report the case, and it should not exceed 48 hours after the accident; 2. Loss assessment:

After reporting to the insurance company, ask for a damage assessment within 48 hours, and if you are not available at work, drive the car to the vicinity of the company and wait for the insurance company to come to the door. A simple car damage is a pat, look at the accident sheet, and then open a damage assessment order. If there is any objection to the amount of compensation issued by the loss assessor, it is best to negotiate clearly on the spot; 3. Repair:

Once you have the damage assessment order, you can find a car repair shop at any time to repair the car. If the repair fee still has to load a certain percentage, the two parties can negotiate; 4. Claim: After repairing the car and issuing an invoice, it is convenient to go to the insurance company's office and submit a claim application.

Advocate the use of insurance companies for bank transfers.

If it is not serious, there is no need to go for insurance, because if you take insurance, the premium will fluctuate in the next year. Not cost-effective.

If there is only one side is not recommended to take insurance, there are 2-3 sides can definitely go, after all, the 4S shop spray paint, a side is estimated at 300-400 looks.

If there is only a little insurance, it is not recommended to take insurance.

Car touch-ups can be taken on insurance. The car insurance claim process

1. Report the case: The first task is to report to the public security organ.

To report a crime, you can choose to report the crime immediately or report it afterwards. Prepare your own materials, and most of them go to the police station where the accident is located to report the case. Second, after the public security organ reports the case, it must immediately report the case to the insurance company, and it cannot exceed 48 hours after the accident;

2. Damage assessment: After reporting to the insurance company, it is required to assess the damage within 48 hours, if you are not free to go to work, drive the car to the vicinity of the company, and wait for the insurance company to come to the door.

Car touch-ups**.

First of all, the outside professional paint repair shop repair paint is calculated according to the scratch on the entire surface, if the scratch is very small, but just across the two sides, it is still according to the ** of the two sides. And according to the different repair difficulty of each surface, as well as the materials that need to be used, generally the minimum outside paint repair ** is about 300-500 yuan on one side, and it will reach 1,000 yuan if it is expensive.

If the car is just rubbed a little paint, it seems that it is not necessary to go to professional paint repair, then you can try to buy a paint repair pen to repair, there is a complete set of paint repair kits to buy online, ** low and high, it is recommended that the owner do not be greedy for cheap, ** it is difficult to ensure the effect of the low, the paint repair time does not take too long, it can be completed in about two hours.

Whether the car can be repaired with paint can be insured depends on the actual situation. If the car is scratched separately by paint on the surface of the car without obvious signs of collision, then you can apply for scratch insurance.

To make a claim, of course, if you don't have scratch insurance, you can't go through insurance.

Whether it is necessary to apply for insurance for paint repair mainly depends on the cost of maintenance.

If the cost of paint repair is low, it is not recommended to apply for insurance, because the insurance will affect the premium of the next year; If the cost of touch-up is high, you can apply for insurance.

If only the paint surface is scratched alone, it is a scratch insurance liability and needs to be insured with scratch insurance.

Otherwise, it cannot be compensated. If it is a large area of collision marks, it belongs to car damage insurance.

Insurance Liability. In addition, due to commercial insurance.

Reporting the crime will affect the premium for the following year, depending on the size of the loss.

Test your anti-risk index, experts will interpret it for you for free!

Summary. Hello dear! I'm glad to answer your question Car paint repair insurance is not necessarily cost-effective!

If the cost of repairing paint is less than 500 yuan, it is recommended not to take insurance: 1. If it is more serious and needs to be painted, it will be solved in the auto repair shop, and if it is not serious, it can be simply treated with a polishing machine; 2. The do-it-yourself solution can be wiped with a paint pen, or you can buy nail polish similar to Yan S; 3. There is also a very simple and fast way, which is to buy some stickers and paste them directly. <>

Is it cost-effective to <> car paint repair and take insurance?

Hello dear! I'm glad to answer your question Car paint repair insurance is not necessarily cost-effective! If the cost of repairing the paint is less than 500 yuan, it is recommended not to take insurance:

1. If it is more serious and needs to be painted, it can be solved in the auto repair shop, and if it is not serious, it can be simply treated with a polishing machine; 2. The do-it-yourself solution can be wiped with a paint pen, or you can buy nail polish similar to Yan S; 3. There is also a very simple and fast way, which is to buy some stickers and paste them directly. <>

<> kiss, car touch-up paint is a substance to help repair car scratches, which refers to the repair of shallow scratches, dirt and oxidation on the paint surface of the car due to external environmental influences, and the deep scratches that expose the primer caused by artificial scratches. <>

If you buyScratch insurance, then it is best to take insurance to repair the paint for 800 yuan, because after the accident, the premium of the next year's ** cannot be more than the cost of your own maintenance. If the body is obviously scratched by collision or scratching, this is not covered by scratch insurance, and the owner should pass the car damage insurance.

to deal with it. If you want to get the most cost-effective result in the accident, the owner must judge the severity of the scratches on the body and the approximate maintenance cost to consider comprehensively. After the accident, the renewal premium for the next year will definitely be some higher than this year, and if the repair cost is much higher than the premium for the next year**, then the insurance is worth it.

Car insurance process.

Step 1: Insurance.

The so-called "accident" covers a wide range, including unilateral accidents, two-party accidents, multi-party accidents, and even cars parked on the side of the road can also be called insurance. In short, to put it bluntly, as long as you ask the insurance company to pay for you to repair your car, it can be called "insurance".

Step 2: Report the crime.

In the event of a traffic accident, you first need to call the 122 accident alarm station, and determine the responsible party through the traffic police, and the responsible party is responsible for calling the insurance company you have insured to report the case. If it is a unilateral accident or a minor accident, you can take a photo of yourself and drive away, and report the accident to the insurance company after the accident.

Step 3: Survey and damage assessment.

After receiving the report, the insurance company will conduct an investigation and damage assessment of the vehicle, and determine the amount of loss according to the damage to the vehicle. If the amount of the claim exceeds the coverage limit, the car owner or the responsible party will need to pay the difference out of pocket. In the event of a minor accident, the owner can directly drive the vehicle to the damage assessment center for damage assessment.

If the loss is large, the insurance company will send an investigator to the scene of the accident to investigate.

Step 4: Submit the claim materials.

The claim materials include the vehicle's insurance policy, driving book, driving book, and the insured's ID card.

and a certificate of responsibility, and a certificate of responsibility is not required for unilateral accidents. If personal injury is involved, the diagnosis certificate of the injured person and the invoice for medical expenses must also be provided.

Step 5: Repair the car.

Car owners can choose their favorite 4S shop or familiar repair shop for maintenance, but inform the staff in advance when handling the damage assessment in the insurance company's business hall, and no changes will be made after choosing the repair location. After the repair is completed, the owner needs to pay the repair money in advance, and need to issue an invoice and a maintenance list consistent with the amount of damage.

Step 6: Claim the compensation.

After the car is repaired, the insured needs to bring the damage assessment form, maintenance invoice, maintenance list and bank card to the damage assessment hall to go through the compensation procedures. Generally, it will not take more than 7 working days for the claim to be credited to the insured's bank card account.

If it is only the paint damage, it depends on how it is caused, if it is only scratched by the paint alone, it should belong to the scratch insurance liability, at this time you need to insure the scratch insurance, otherwise you can not compensate, if it is a large area of collision marks, it belongs to the car damage insurance liability. In addition, since the commercial insurance report will affect the premium of the next year, it depends on the size of the loss before it is appropriate.

If you buy insurance in a 4S store, drive directly to the 4S store, and the repair cost does not exceed 3,000 yuan, you can take scratch insurance, no matter where the scratches are, it is suitable for those who have multiple small scratches on the car. The 4S shop will let you take ** out of danger, just say that the car was scratched on the side of the road, and there were many scratches, and the rest will be handed over to the 4S shop to repair the car. If the injuries are concentrated, it is convenient to do the scene, and you can take the car damage.

Remember to take scratch insurance once a year, and save up small injuries together to repair them.

First of all, you have to understand what insurance is, what kind of insurance does the place you want to touch up paint belong to, do you know yourself and your opponent When you understand it, you will know how to take insurance...

The main thing is to see where the paint is touched. If it's a car body, just find a place to apply for insurance. If you throw a brick from the second floor on the roof of the car, falling objects from the sky...

However, now the insurance rate is linked to the number of accidents and the amount of compensation.

Accident report, investigation, damage assessment, repair, data collection, and claim settlement.

The car insurance claim process

1. Report the case: First of all, report the case to the public security organ, and you can choose to report the case immediately or afterwards. Prepare the materials on your own, and generally report to the police station where the accident is located.

Second, after the public security organ reports the case, it must immediately report the case to the insurance company, and it cannot exceed 48 hours after the accident.

2. Damage assessment: After reporting to the insurance company, it is required to assess the damage within 48 hours, if you are not free to go to work, drive the car to the vicinity of the company, and wait for the insurance company to come to the door. A simple car damage is to pat the **, look at the accident sheet, and then open a damage assessment order.

If there is any objection to the amount of the claim issued by the damage assessor, it is best to negotiate it clearly on the spot.

3. Repair: After the damage assessment order is in hand, you can find a car repair shop to repair the car at any time. If you have to pay a certain percentage of the repair fee, you can negotiate with both parties.

4. Claim: After repairing the car, issue an invoice, and go to the insurance company's office to submit a claim application. It is recommended to choose to have the insurance company bank transfer.