Can I apply for insurance if I scrape the wall of my car? Do you want to call the police

There are two types of situations for scraping the wall by driving yourself:

If the wall needs you to pay for repairs, it is an accident between the two parties, and you must report to the traffic police to determine responsibility, and the repair costs of the wall will be compensated by your third-party liability insurance, and your own body loss will be compensated by car damage insurance.

If you scrape the car yourself, you can take insurance, which is a kind of vehicle accident insurance. It is best for the owner to keep the evidence at the scene and report to the insurance company within 48 hours, if it exceeds 48 hours, the owner needs to report to the insurance company with the relevant materials. However, if it is a minor scratch, the user can deal with it by himself, and the insurance company's insurance will affect the car insurance rate when the car owner renews the next year.

The car scraped off the steps of insurance:

3. Then there is the process of damage assessment, the repair shop will price the loss of the vehicle, and the insurance personnel and the owner will sign and confirm after no objection.

4. Collect the required materials of the case and submit them to the insurance personnel for claim procedures.

5. The insurance company can pay the car owner's account after being reviewed by different departments and confirmed. Some insurance companies that pay direct compensation do not require the owner to pay in advance, so the payment will be paid directly to the repair shop.

Of course, you can report insurance, you must report the insurance, but to tell the truth, it's not serious, there is no need to take insurance, now the insurance only needs to be out once, the price will increase in the second year, or there is no discount, scrape to the top of the wall to do more paint, not serious throwing a light is basically fine, a few hundred yuan can be done without insurance, you have to go insurance, at least pay more than 1,000 yuan in the second year.

Hello, in fact, as long as you buy insurance, you can report insurance if you drive into the wall, because the loss of your own vehicle is a unilateral accident if you accidentally scrape the wall, and you will have a surveyor to the scene to investigate and assess the damage and take photos to collect evidence, and then the insurance company will compensate according to the amount of damage, and the owner does not need to bear the cost.

The specific process of reporting insurance is as follows: report to the insurance company as soon as possible, report the case can not exceed 48 hours, and then fill in the notice of insurance, and try to fill in the insurance company under the guidance of professionals on site, so that it is convenient to make a claim, and finally prepare the materials required for the claim, as long as the information is complete, then the compensation can be obtained after the insurance company's claim is approved.

If the car is scraped by itself, you can apply for insurance. Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

1. Car insurance

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance. Motor vehicle damage insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract.

2. How to apply for insurance after the car is drawn by yourself

If the car is scraped by itself, you can apply for insurance. Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

The specific insurance application process is as follows:

1. Report to the insurance company, explain the situation, and the general insurance company will not pay compensation for more than 48 hours, keep the on-site situation, and the insurance company will send someone to verify;

2. On-site processing, the loss is small, the insurance company sends someone to the scene to investigate, and issues the "investigation report", the loss is larger, if the surveyor thinks that it is necessary to report to the traffic police for processing, he will report to the traffic police department, and the traffic police department will investigate and collect evidence at the scene, and issue the "accident identification letter";

3. Assess the damage and repair the vehicle, the owner will drive the vehicle to the damage assessment center designated by the insurance company or the owner himself, and the insurance company will assess the damage, and the repair shop will repair the car after the damage assessment is completed, and the owner can pick up the car after the vehicle repair is completed.

If the car is scraped by itself, the car insurance company will pay a claim.

1. In particular, there is no doubt about the relatively large and regular car insurance companies, of course, the premise of the establishment of the whole incident is that the owner has purchased car damage insurance and its additional insurance, vehicle scratch insurance.

2. From the insurance liability, we can find that as long as there is no obvious collision mark in the vehicle scratch insurance, the car insurance company will basically compensate for the body scratches, not to mention, the car is scratched by itself, which is also a kind of accident, and I believe that no one will be idle to hurt their vehicles.

3. Vehicle scratches caused by one's own reasons usually refer to the scratches caused by carelessness in the process of driving, if this is the case, the car insurance company will compensate accordingly.

Since the car can also appear at the car insurance company if it is scraped by itself, what is the specific process of insurance?

2. However, if it is more than 48 hours, it is recommended that you still bring your original ID card to the car insurance company to report the case.

3. In the process of damage assessment, if the loss assessor of the car insurance company asks you whether the car is scraped by yourself, you can also answer truthfully, because this will not affect the company's claim amount.

4. Since the car insurance company has not had an insurance in the previous year, the owner can enjoy more preferential treatment when the owner is insured in the next year, so you can check the severity of the vehicle scratches in advance before it appears.

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Hello, I can fully understand your feelings, you can apply for insurance, provided that you have purchased car damage insurance. Because compulsory traffic insurance and third-party liability insurance are types of insurance that pay for others and cannot be used on their own vehicles, special attention should be paid to this. If your driving skills are not very proficient, it is best to buy car damage insurance in case of emergency, car damage insurance refers to a kind of car commercial insurance that the insured or its permitted driver is damaged due to an insured accident when using the insured vehicle, and the insurance company will compensate within a reasonable range.

Car damage insurance and third-party insurance are the basic insurance of vehicle insurance, which mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! I hope my answer is helpful to you! Thanks, I got the question.

If our car is scratched, don't rush to repair the car directly, it is more cost-effective to repair the car with this method, and you can save a lot of repair costs in a year.

If the car is scratched by itself, you can apply for insurance, as long as you have purchased car damage insurance, you can apply for insurance.

Can I take insurance for my own car?

This is to be considered in the following year's insurance costs. General vehicle slight scratch with socks erect, in the case of the maintenance amount is not high, there is no need to report insurance, if the insurance will be compensated, but the number of insurance, in the next year when buying insurance will increase the premium, the gain outweighs the loss.

But this is not absolute, if the car scrapes the wall, there is more serious damage to the vehicle, it can be reported for insurance, it belongs to its own reasons, only car damage insurance will be claimed.

Other knowledge of car insurance.

Car damage insurance is a kind of automobile commercial insurance that the insured or its permitted driver compensates within a reasonable range if the insured vehicle is damaged due to an insured accident while using the insured vehicle. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the damage to the insured vehicle shall be borne by the insurer, up to the amount of the insured amount.

The purchase price of the new car at the time of insurance application shall be determined according to the market sales of the same type of new car signed in the insurance contract at the time of insurance application** (including vehicle purchase tax), and it shall be stated in the insurance policy that if there is no market sale of the same type of new car**, it shall be determined by the policyholder and the insurer through negotiation.

After the accident, report to the insurance company as soon as possible, so that the insurance company personnel can rush to the scene in time to understand the accident and facilitate the rapid assessment of losses. If you want the insurance company to pay a claim if you drive into the wall, you need to see if you have car damage insurance. If you only have compulsory traffic insurance, then there is no way to find an insurance company to settle the claim.

If you have car damage insurance and other car full insurance, you can go to the insurance company to make a claim.

The basic process of vehicle scratch insurance claim is the same as the general process of car insurance, which mainly includes reporting, investigation, damage assessment, and compensation. The car owner needs to report the accident within 48 hours, which is a claim that the car owner must remember. For car owners who scrape the wall by themselves, scratch insurance can be used; If the damage caused by the scraping can be called a loss, you can apply the car damage insurance to make a claim.

If there is a scrape between the vehicles, you can use third party liability insurance to make a claim. For some accidents where there are no personnel and the property loss is less than 2,000 yuan, it can be operated according to the provisions of the "Measures for the Rapid Handling of Motor Vehicle Traffic Accidents", which simplifies the accident handling process and avoids the impact of the accident on traffic.

After taking out the car full insurance, the insurance company will make a claim within the insurable scope according to the contract. It is recommended to report to the insurance company as soon as possible after the accident, so that the insurance company personnel can arrive at the scene in time to understand the accident and facilitate the rapid assessment of damage. Policyholders should also understand the terms of the relevant insurance contracts and know whether the insurance they offer is covered by insurance.

Extended information: 1. The first scene has been destroyed, and the amount of damage cannot be determined, and the suspicion that the insured deliberately caused an accident to defraud the insurance cannot be ruled out. In this case, the insurance company will generally ask for a higher deductible or only pay 20-40% of the loss. If the insurance company determines that the individual has cheated on the insurance, it will refuse to pay the compensation.

2. Compulsory traffic insurance and third-party liability insurance only compensate both parties in the accident. Except for the policyholder: commercial third-party insurance is the type of insurance insurance in which the insurance company is liable for the loss of a third party

Any loss caused to a third party, regardless of whether it is liable or not, is within the scope of compensation of compulsory traffic 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 third party refers to the insured or the insurer.

If you accidentally scrape the wall while driving, the loss of your vehicle is a unilateral accident, and you will report to the insurance company, and there will be surveyors to the scene to investigate and assess the damage and take photos for evidence. If you have purchased car damage insurance, the insurance company will compensate according to the amount of damage and repair the vehicle, which generally does not need to be borne by the owner.

The environment we live in will undergo various changes all the time, so in the continuous development of social economy, as well as the continuous progress of science and technology, people's pockets have gradually increased the amount of money, of course, more and more cars have entered our daily life. In the process of buying a vehicle economy and driving a vehicle, we will encounter some problems, in order to prevent some accidents, we will more or less buy some insurance. So if we drive carelessly, or if we hit a wall and scratch the car, then in this case, will the insurance company compensate?

If we have purchased commercial insurance, then the loss of the vehicle can be fully compensated, and when such a thing happens, it is enough to report to the insurance company as soon as possible. <

But for some small scratches, it is still not recommended to apply for insurance, because we all know one point, that is, the cost of insurance for his insurance is increasing year by year, which to a certain extent has a certain relationship with the number of times we report insurance, if we report insurance because of some small scratches, then we need to pay the insurance cost in the next year is getting higher and higher, so for some small injuries, it is not recommended to report insurance, of course, if you really want to apply for insurance, The insurance company will still pay the claim. <

It can be said that when buying insurance, we must carefully observe and read the contract and terms of the insurance, including the term and scope of the insurance, so if these things happen to us, we know that we choose to use this condition to protect ourselves, and only then do we know to apply for insurance. And after many people buy insurance, they don't know how to use it, and they don't know what the process is, so it is not necessary, and the economic loss for us is also very huge, so it is very necessary to understand some relevant precautions for insurance. <