What is the impact of the amount of car insurance on the car owner?

1.Determine the amount of vehicle repair costs. In vehicle maintenance, the cost of maintenance is also one of the more common disputes.

The insurance company's vehicle maintenance costs are generally approved according to the qualification level of the maintenance unit. For the replacement of lost parts, it is carried out according to the market area of the accessories**. There is an impact, the insurance company's loss assessment is generally based on the loss, the repair shop to carry out, different repair shops** is different.

The amount of car insurance is assessed by the insurance company based on the repair shop.

2.Before the vehicle is repaired, it is necessary to determine the repair method of the damaged part. The first thing that must be told to you is the principle of loss assessment of the insurance company for the loss position.

Generally speaking, the insurance company's treatment opinion on the lost parts of the vehicle is mainly repaired, that is, if the lost parts can be repaired and used, and the normal use function of the parts will not be affected after repair, they should be repaired. If the missing part cannot be repaired, the lost part can be replaced. Damage assessment and repair should be co-located as much as possible.

In addition to the above two points, it must also be noted that the damage assessment site and the maintenance site should be in the same maintenance unit as much as possible. Because if your car is damaged in a 4S shop, you will also confirm the repair items and the amount of repairs. Afterwards, if you go to the social repair shop for repair, and pay the repair fee according to the damage assessment amount of the 4S shop, then you may have to bear the loss.

Because, the insurance company's standard for damage assessment of 4S shops and social maintenance factories is different, and the insurance company confirms the repair amount standard according to the actual repair shop standard.

Extended information: If the car insurance loss assessment is high, you can negotiate with the insurance company, but there will be no special negative impact, but some insurance companies may have doubts about the actual maintenance cost of the policyholder, so as to investigate, affecting the claim cycle. Generally speaking, the car insurance damage assessment is too low will have a greater impact, after all, the car insurance claim is not only subject to the damage assessment, if the actual maintenance cost is higher than the damage assessment amount, then the excess part also needs to be paid by the car owner out of pocket.

Generally speaking, the car insurance loss assessment is confirmed by professional institutions and professionals, and it is best for the car owner to be present when the damage is assessed, so that it can also be negotiated in time.

There may be a certain impact, the insurance company's loss assessment is generally based on the loss, the repair shop to carry out, different repair shops** is different. Like 4S shop** is significantly higher than ordinary repair shops. If it is too low, it may lead to the repair shop having no profit, and the repair shop may cut corners and replace other parts that do not affect the car.

The amount of car damage insurance needs to be determined according to the value of the vehicle itself, not necessarily the higher the insurance amount, the more protection, we should insure according to the value of our car when we apply for car damage insurance.

a).How to determine the amount of insurance coverage for car damage insurance.

The amount of insurance is determined according to the purchase of a new car**, which can be regarded as full insurance, and the insured can be compensated for the actual loss in the event of an accident.

According to the actual value of the insurance to determine the amount of insurance, the actual value refers to the purchase of a new car after deducting the amount of depreciation, although this insurance method can pay less premiums, but it is insufficient insurance, in the event of a partial loss, the insurance company compensation ratio is low, the amount of insurance for auto parts are based on their depreciation price as the claim standard, if you need to replace new parts in the process of repairing the car, the insurance company can only refer to the depreciation value of the parts, compensate the owner for part of the repair costs.

The insurance rate of car damage insurance is uncertain and the car owner will make dynamic adjustments according to the situation of insurance and claims when renewing the insurance.

ii).What is the coverage of car damage insurance?

First, the loss of the vehicle caused by the collision can be compensated by the car damage insurance, in order to reduce the loss caused by the accident, the car damage insurance is suitable for all car owners, especially novices.

The second is to compensate for the loss of vehicles caused by fire and **. However, spontaneous combustion of vehicles is not covered by vehicle damage insurance, and losses caused by spontaneous combustion due to the vehicle's own reasons need to be compensated by vehicle spontaneous combustion insurance.

The third is to compensate for the loss caused by the fall of an external object, and if the car is damaged by an external object, the car damage insurance will be compensated.

The fourth is to compensate for the loss of vehicles caused by natural disasters such as tornadoes, heavy rains, floods, and mudslides. However, the damage to the vehicle caused by ** is not covered by the insurance.

c).Precautions for purchasing car damage insurance:

Choose car damage insurance according to the actual condition of your vehicle, if it is a new car, you should buy car damage insurance, but for older and more dilapidated cars, it is not suitable to buy car damage insurance, not only the premium is high, but it is also more troublesome to settle claims. Ask about the deductible for car damage and carefully review the relevant insurance contract. Buy car damage insurance shop around and choose the most cost-effective one.

The insured amount of car damage is automatically generated by the insurance company's system, and generally cannot be adjusted manually, and there is not much difference between high or low, and the difference between the insured amount and the premium is very small, and there may be slight differences between different insurance companies.

Whether the sum insured is high or low is good, you can figure out whether it is used in the assessment of losses when making a claim.

Generally, the collision insurance amount must be sufficient, and the car damage insurance amount is the compensation amount for the traffic accident vehicle to reach the scrapping situation.

Therefore, under normal circumstances, accidents are enough, and it is appropriate to reduce the premium.

The amount of car damage insurance has the following effects: the amount of car damage insurance needs to be determined according to the value of the vehicle itself, and the amount of car damage insurance can be purchased as much as the original value of the insured vehicle. If the sum insured is less than the purchase price of the new car, then the full coverage may not be paid out in the accident.

According to the relevant laws and regulations, the insured amount shall not exceed the insured value, and if the insured value is exceeded, the excess part shall be invalid. Therefore, when applying for car damage insurance, you must insure according to the value of your car.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost. The sum insured must not exceed the insured value. If the insured value is exceeded, the excess part shall be invalid, and the insurer shall refund the corresponding insurance premium.

If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation according to the ratio of the insured amount to the insured value.

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.

The insurance company's accounting for the actual value of the vehicle is mainly depreciated according to the purchase price of the new car, which is depreciated on a monthly basis and calculated annually. For example, a car worth 200,000 yuan is only worth 10,000 yuan in the second year, 10,000 yuan in the third year, and so on. Generally speaking, the amount of car damage insurance purchased needs to be determined according to the value of the vehicle itself, and the amount of car damage insurance insurance can be purchased as much as the original value of the insured vehicle.

Suppose it costs 200,000 yuan to buy a car, then the insurance amount of car damage insurance is 200,000 yuan, if the insurance amount is lower than the purchase price of the new car, then the insurance may not be able to get the full compensation.

According to Article 39 of the Insurance Law, "the insured amount shall not exceed the insured value, and if the insured value exceeds the insured value, the excess part shall be invalid." "Therefore, when we apply for car damage insurance, we must insure our car according to the value of our car.

Extended Materials. How to calculate the amount of car damage insurance? 1. Calculated according to the purchase price of the new car According to the purchase price of the new car to determine the amount of insurance, this insurance method is applicable to new cars, the insurance company believes that it is fully insured, and the insured can get compensation for the actual loss when the accident occurs. 2. Calculated according to the actual value at the time of insurance The actual value at the time of insurance is used to determine the amount of insurance, and the actual value refers to the purchase price of the new car minus the amount of depreciation.

Although this insurance method can pay less premiums, it is underinsured in terms of insurance. In the event of an accident, compensation should be made in accordance with the ratio of the insured amount to the purchase price of the new car. And the proportion of insurance companies that do not pay is often more than the part of the premium that is saved.

It is a more flexible method of negotiation between the policyholder and the insurance company, and this type of insurance usually occurs in rare vehicles or confiscated vehicles. Because rare models like classic cars are often not comparable in the market, and the value is relatively high, and the purchase price of confiscated vehicles is often too low. The amount of insurance for both types of cars is difficult to determine.

Therefore, it is necessary to adopt the method of negotiation between the policyholder and the insurance company.

This has no effect, and the payment will also be lower if the insurance amount of car damage insurance is low.

To give you some advice, as long as you are fully insured, the lower the sum insured, the better. Even if you choose a higher sum insured, if a total loss occurs, the insurance company will pay you according to the actual value on the grounds that the insurance amount cannot be higher than the actual value of the insured object.

Summary. Dear, if the car insurance loss assessment is high, you can negotiate with the insurance company, but there will be no special negative impact, but some insurance companies may have doubts about the actual maintenance cost of the policyholder, so as to investigate, affecting the claim cycle. Generally speaking, the car insurance damage assessment is too low will have a greater impact, after all, the car insurance claim is not only subject to the damage assessment, if the actual maintenance cost is higher than the damage assessment amount, then the excess part also needs to be paid by the car owner out of pocket.

What is the impact of the amount of car insurance on the car owner?

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What is the impact of the amount of car insurance loss assessment on the car owner, dear, the impact is: 1Determine the amount of vehicle repair costs.

In vehicle maintenance, the cost of maintenance is also one of the more common disputes. 2.Before the vehicle is repaired, it is necessary to determine the maintenance method of the damaged part.

Dear, if the car insurance loss assessment is high, you can negotiate with the insurance company, but there will be no special negative impact, but some insurance companies may have doubts about the actual maintenance cost of the policyholder, so as to investigate, affecting the claim cycle. Generally speaking, the car insurance damage assessment is too low will have a greater impact, after all, the car insurance claim is not only subject to the damage assessment, if the actual maintenance cost is higher than the damage assessment amount, then the excess part also needs to be paid by the car owner out of pocket. <>

First, disputes over damage assessment can be resolved through negotiation. If the insured does not recognize the amount of loss determined in the insurance company's loss assessment form after the loss assessment, he may refuse to sign the loss assessment form for confirmation. At this time, since the two parties have not reached an agreement on the repair items and amounts, the damage assessment certificate issued by the insurance company will not be effective against the insured, and the car owner has the right to request a re-assessment of the damage through relevant procedures and ask a third-party appraisal center to intervene in the assessment.

Second, determine the maintenance method in advance. Generally speaking, the insurance company's treatment of damaged parts of the vehicle is mainly based on repair, and if the damaged parts cannot be repaired, the damaged parts can be replaced. As a car owner, after the component is damaged, in order to avoid hidden dangers in the future, most of them will prefer to replace it directly.

Therefore, before or during the maintenance, it is recommended that the policyholder negotiate with the damage assessor in time to determine the maintenance method to ensure that the corresponding compensation can be obtained.

Third, damage assessment and repair go to the same place. In addition to the above two contents, if the owner of the car has confirmed with the surveyor in the early stage that the amount of loss is determined according to the maintenance method of the 4S shop, do not go to the ordinary repair shop for maintenance after the damage is assessed, so as to avoid the insurance company re-determining the amount of loss according to the standard of the repair shop actually selected by the customer when making a claim, which will cause the owner to have unnecessary expenditure burden.

Legal analysis: This has no impact, and the payment will also be lower if the insurance amount of car damage insurance is low.

Legal basis: Regulations on the Application and Use of Motor Vehicle Driving Licenses

Article 1 These provisions are formulated in accordance with the Road Traffic Safety Law of the People's Republic of China and its implementing regulations, and the Administrative Licensing Law of the People's Republic of China.

Article 2 These provisions shall be implemented by the traffic management department of the public security organs. The traffic management department of the provincial-level public security organ is responsible for the guidance, inspection and supervision of the motor vehicle driving license business in the province (autonomous region and municipality directly under the Central Government). The vehicle management office of the traffic management department of the public security organ of the municipality directly under the Central Government, the vehicle management office of the traffic management department of the city divided into districts or the equivalent level of the public security organ shall be responsible for handling the motor vehicle driving license business within the administrative jurisdiction.

The vehicle management office of the traffic management department of the county-level public security organ may handle the business of driving licenses for low-speed trucks, three-wheeled vehicles and motorcycles within its administrative jurisdiction, as well as the renewal, reissuance, inspection, and submission of physical condition certificates for other motor vehicle driver's licenses. If the conditions are met, they can handle the business of driving licenses for small cars, small automatic transmission vehicles, and small automatic transmission passenger vehicles for the disabled, as well as other road traffic safety laws, regulations and related knowledge testing business for motor vehicle driving licenses. The specific business scope and handling conditions shall be determined by the traffic management department of the provincial public security organ.

Article 3 The vehicle management office shall follow the principles of strictness, openness, fairness and convenience in handling the business of motor vehicle driver's license. The vehicle management office handling the business of motor vehicle driver's license shall accept the applicant's application in accordance with the law and review the materials submitted by the applicant. For those who meet the requirements, apply for a motor vehicle driver's license in accordance with the prescribed standards, procedures and time limits.

Where the application materials are incomplete or do not conform to the legally-prescribed form, the applicant shall be informed in writing of all the contents that need to be supplemented and corrected at one time. Where the conditions are not met, the reasons shall be notified in writing. The vehicle management office shall be laws, administrative regulations and these provisions of the relevant matters, conditions, basis, procedures, time limits and charging standards, the directory of all materials that need to be submitted and the model text of the application form in the office at the provincial level, districted city or equivalent to the same level of the traffic management department shall establish a homepage on the Internet, publish information, facilitate the public to consult the relevant provisions of the motor vehicle driver's license, inquire about the use of the driver's license, traffic violations and demerits, etc., ** 、Use related to **.