About Car Insurance Scratch Insurance Claims 10

If the insured vehicle is scratched, the owner must report to the insurance company on the spot in time for the normal car scratch insurance claim procedure. In order to reduce unnecessary trouble, the car owner should try to report the case within 48 hours when reporting the case, because if it is overtime, the car owner also needs to personally bring the original ID card to the insurance company to make up the report, which increases the burden on the car owner. In addition, when making a claim for car scratch insurance, if the vehicle is scratched on the road, it is necessary to issue a certificate of accident issued by the traffic police; If the vehicle is scratched on an off-road, the police station will issue an accident certificate.

You're Ping An Insurance!? In fact, it is called damage expansion on the original paint surface, in order to prevent bad customers from not repairing the vehicle, secondary claims, fraudulent compensation, etc. Report scratch insurance, set are painted **, is enough to repair, but if the owner does not want to expand the damage, you can provide primer ** when repairing the car, that is to say, in the repair of the car, the repair personnel will be sandpaper on the damaged paint surface, after grinding, call the insurance company to take pictures (before this should be reported to the insurance case), with this method should be communicated with the insurance company.

As for this provision. Yes. Kindness.

If the scratch is very light or does not reach a certain size, the customer has to take the scratch to settle the claim.

As long as the car scratch insurance is within the scope of the vehicle scratch insurance, you can file a claim directly with the insurance company. Scratch insurance is an additional insurance to the vehicle damage insurance, that is, it needs to be insured when the vehicle damage insurance is insured, and cannot be insured separately.

Scratch insurance is an additional insurance to vehicle damage insurance, that is, if you have motor vehicle damage insurance, you can insure scratch insurance. The full name of scratch insurance is car peijia empty body scratch loss insurance, which can be insured for family vehicles and non-business vehicles.

That is to say, during the insurance period, if the paint on the surface of the insured vehicle has no obvious collision marks, the insurance company will be responsible for compensation according to the actual loss.

Legal analysis: Vehicle scratch insurance is compensated according to the actual repair cost within the scope of the claim. Compensation Processing:

1) Calculate compensation according to the actual repair cost within the insured amount; (2) 15% of the odds will be waived for each compensation; (3) During the insurance period, if the cumulative compensation amount reaches the insured amount, the insurance liability of this additional insurance shall be terminated.

Legal basis: Article 4 of the "Motor Vehicle Insurance Supplementary Insurance" Compensation Treatment:

1) Compensation shall be calculated according to the actual repair costs within the insured amount.

(2) 15% of the odds will be waived for each compensation;

3) During the insurance period, if the cumulative amount of compensation reaches the insured amount, the insurance liability of this additional insurance shall be terminated.

Scratch insurance compensates for tens of thousands of dollars according to the amount of insurance. The minimum insurance amount of scratch insurance is 2,000 yuan, and the maximum is 20,000 yuan, which is divided into several price levels. Therefore, the specific compensation should be determined according to the insurance contract.

[Legal basis].Article 21 of the Insurance Law.

The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after learning of the occurrence of the insured event. If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, except where the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.