New Car Insurance Policy: What is included in car damage insurance in 2020

How to calculate the premium of car damage insurance.

Vehicle Loss Insurance Premium = (Base Premium + Vehicle Purchase Price * Rate) * Discount Coefficient.

Note: Since the preferential coefficient of each insurance company is not the same, the rate also has a certain difference, which needs to be based on the accuracy of the insurance company**, which is also provided here (car insurance calculator on the official website of the insurance company), which can be clicked to view. The following is also an example of one of the insurance companies' rates.

There are some special circumstances that will not be compensated by car damage insurance

1) No compensation for mental damages.

Since most insurance companies lack a standard for assessing the loss of mental injury, any moral compensation arising from an insured event is considered a waiver of liability.

2) **No compensation.

Following the practice of most property insurance not paying for **, the car damage insurance clause is also excluded, and the insurance regulatory authorities also discourage insurance companies from underwriting due to lack of data and experience.

3) Drunk driving, driving without a license, and vehicles that fail to pass the annual inspection will not be compensated.

Under the above conditions, the driver is not qualified to drive and is a serious violation of traffic laws. In addition, the insurance company also has the right to refuse compensation if the driver's driving does not match the type of driver, or if the driver is on the highway during the probationary period.

The changes in motor damage insurance after the comprehensive reform of motor insurance are as follows:

1. After the comprehensive reform of auto insurance, theft insurance, separate glass breakage insurance, spontaneous combustion insurance, engine wading loss insurance and unable to find a third party special insurance are all included in the scope of car damage insurance claims, and there is no need to apply for separate insurance;

2. The car damage insurance could not be compensated before, but now it can be compensated in the following situations:

1) ** and secondary disasters;

2) Drivers without the permission of the insured;

3) Spontaneous combustion, unexplained fire, artificial oil supply and high-temperature baking;

4) After suffering losses within the scope of insurance liability, the part that continues to be used without necessary repairs and inspections is qualified, resulting in the expansion of losses.

Car damage insurance does not need to be purchased separately.

Many car owners are a little entangled in whether to buy a full car theft insurance, glass breaking insurance and other small insurances, buy it, the probability of insurance is low, do not buy, and are afraid of accidents.

After the implementation of new car insurance, there is no need to have such a tangle. The new regulations require that, on the basis of the existing insurance liability, the main insurance clause of the car damage insurance will increase the insurance liabilities such as theft of the whole vehicle of the motor vehicle, separate glass breakage, spontaneous combustion, engine wading, regardless of the deductible odds, and inability to find a third-party special contract, so as to provide consumers with more comprehensive and complete car insurance protection services. In other words, the above types of insurance do not need to be purchased separately, and only need to buy car damage insurance to cover all of them.

1、Car insurance liability is more comprehensive

The main insurance liability of the new motor vehicle demonstration product has increased the insurance liability of motor vehicle theft, secondary disasters, glass breakage, spontaneous combustion, engine wading, etc., deleted the accident liability waiver odds, unable to find a third party waiver odds and other exclusion agreements, and deleted the exemption clauses that are easy to cause claims disputes in practice, so as to provide consumers with more comprehensive and complete auto insurance protection services.

Car insurance products are more abundant

Accident insurance products for drivers and passengers have been added, including special terms for value-added car insurance services such as inspection delivery, roadside assistance, driving services, safety testing, etc., to provide consumers with more standardized and abundant car insurance products and services.

Car insurance** is more scientific and reasonable.

At the same time, the upper limit of the surcharge rate for commercial auto insurance products has been lowered from 35 to 25%, and the expected loss ratio has been increased from 65 to 75%, so that the rate of motor insurance products is more compatible with the risk level. The reduction in the surcharge rate means that the premium is cheaper.

The level of marketization of motor insurance products is higher.

The first step is to determine the range of the independent pricing coefficient as [, and the second step is to completely liberalize the range of the independent pricing coefficient in a timely manner.

The coefficient of preferential treatment without compensation has been further optimized.

After the implementation of the reform, the scope of the preferential coefficient of no compensation for commercial auto insurance will be expanded from the previous year to the previous three years, and the rate increase for consumers with incidental claims will be reduced.

After the reform of car insurance premiums in July 2020, the protection of car damage insurance is more comprehensive.

Car damage insurance includes 7 major aspects of insurance liability, namely: car damage insurance, theft insurance, spontaneous combustion insurance, engine wading insurance, glass insurance, unable to find a third party insurance and deductible insurance. That is to say, as long as the car damage insurance is insured, the above types of insurance are purchased by default.

In addition, when choosing vehicle insurance, all three insurances are also indispensable.

The changes in motor damage insurance after the comprehensive reform of motor insurance are as follows:1. After the comprehensive reform of auto insurance, theft insurance, separate glass breakage insurance, spontaneous combustion insurance, engine wading loss insurance and unable to find a third party special insurance are all included in the scope of car damage insurance claims, and there is no need to apply for separate insurance;

2. The car damage insurance could not be compensated before, but now it can be compensated in the following situations:

1) ** and secondary disasters;

2) Drivers without the permission of the insured;

Claims considerationsClause.

1. Report the case in a timely manner. After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application".

Clause. 2. Understand the scope of refusal and exemption.

Clause. Third, the loss is too small to claim is not cost-effective. Because when renewing car insurance, the insurance company has a premium preferential clause, that is, the vehicle has not been insured for one year, and you can enjoy a premium discount of about 10% when you renew the insurance in the second year.

1. Compulsory traffic insurance: It is used when the car is responsible for paying compensation to a third party after a traffic accident, and does not pay for the car.

2. Vehicle damage insurance: After a traffic accident, the cost of materials and man-hours incurred after repair shall be borne by the insurer in the case of damage to the car.

3. Commercial three-party insurance: In popular terms, it is a supplementary insurance for compulsory traffic insurance, with a compensation limit of 110,000 for death and disability due to compulsory traffic insurance, a medical compensation limit of 10,000 yuan, and a property compensation limit of 2,000 yuan.

4. Deductible insurance: Deductible is an additional type of main insurance, which can only be purchased after purchasing the main insurance such as car damage, three, car dealers, etc., as an additional type of insurance for car damage insurance, three liability insurance, car personnel insurance, full car theft insurance and spontaneous combustion insurance (some companies are sold together, and some companies can be selected separately), if you do not insure the insurance, you should deduct the size of the responsibility when you are in danger, 20% of the full responsibility, 15% of the main responsibility, 10% of the same responsibility, and 5% of the secondary responsibility. Bear your own responsibility, and the insurer will bear it after purchase.

However, the deductible does not apply to the agreed absolute deductible.

Matters covered by the absolute deductible:

The insurer shall not be liable for the deductible amount that shall be borne by the insured in the following cases:

1. The third party shall be responsible for compensation in the motor vehicle loss insurance but the third party cannot be found; 30%

2. The insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, but cannot prove the cause of the accident; 20%

3. Increased due to violation of safe loading regulations; 10%

4. The designated driver at the time of insurance application, and the insured vehicle is increased by the non-designated driver when the insured vehicle is used; 10%

5. The insured accident occurs outside the agreed driving area at the time of insurance application, and the insured accident occurs outside the agreed driving area; 10%

6. The increase is due to the occurrence of multiple insured accidents during the insurance period;

7. In the event of a full-vehicle loss insurance accident stipulated in the motor vehicle theft insurance, the insured fails to provide the "Motor Vehicle Driving License", "Motor Vehicle Registration Certificate", the certificate of origin of the motor vehicle, the certificate of tax payment of the vehicle acquisition tax (the certificate of payment of the vehicle purchase surcharge) or the certificate of tax exemption;

8. The insurance provisions that may be attached to this clause but have not been selected to attach this clause;

9. The insurance provisions of this clause shall not be attached. In addition to theft insurance, all insurance companies can attach special clauses that do not include free odds in their motor vehicle commercial insurance.

3. There are still four non-claims in the special clause excluding the free odds: the additional deduction free odds, the additional insurance free odds, the accident cannot find the third party, and the accident responsibility is difficult to determine;

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Question: Is there a deductible included in car damage insurance?

Hello answer, glad to answer your question! Specifically, it includes: 1. The insurer or the driver of the insured motor vehicle (hereinafter referred to as the "driver") in the process of using the insured motor vehicle causes direct losses to the insured motor vehicle due to natural disasters and accidents, and it does not fall within the scope of exempting the insurer's liability, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract;

2. If the insured motor vehicle is stolen, robbed or snatched, and the public security criminal investigation department at or above the county level where the accident is in danger is filed, the loss of the whole vehicle has not been ascertained for 60 days, as well as the direct loss caused by the damage caused by theft, robbery or robbery, and it does not fall within the scope of exempting the insurer's liability, the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract;

3. In the event of an insured accident, the insurer shall bear the necessary and reasonable rescue expenses paid by the insured or the driver to prevent or reduce the loss of the insured motor vehicle; The amount of rescue expenses shall be calculated separately from the amount of compensation for the loss of the insured motor vehicle, and shall not exceed the insured amount.

Ask a question, okay, thank you.

AnswerIn addition, after the comprehensive reform of car insurance, theft insurance, glass breakage insurance, spontaneous combustion insurance, engine wading loss insurance and unable to find a third party special insurance are all included in the scope of car damage insurance, and there is no need to separately insure.

Hope it helps! If you are satisfied with this service, you can like and support it, and if you have any questions in the future, you can directly click on my avatar to consult Oh An.

Summary. In 2022, in addition to the basic vehicle loss protection, the car damage insurance also includes the protection of the whole vehicle theft insurance, engine wading insurance, spontaneous combustion insurance, glass damage insurance, deductible insurance, unable to find a third party insurance, and designated repair shop insurance. The details are as follows:

1. The scope of the whole vehicle theft insurance covers the vehicle loss caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses that need to be repaired if it is damaged during the theft, robbery and robbery, or the parts and accessories on the vehicle are lost. 2. Glass insurance can compensate for the loss of broken windshield and vehicle and ship glass alone, but does not compensate for broken lights, rearview mirrors and sunroofs. 3. Wading insurance can compensate for damage caused by water ingress into the engine, but not for losses caused by the second ignition.

4. Spontaneous combustion insurance can compensate for the loss caused by the vehicle itself, but does not compensate for the loss caused by external reasons or only the loss of the line. 5. If there is a deductible when making a claim, this liability can reduce the deductible to the inability to find a third-party special insurance If the accident should be paid by a third party, but the third party cannot be found, then the full compensation can be made. 7. Designated repair shop insurance: With this type of insurance, you can designate a repair shop for repair.

In 2022, in addition to the basic vehicle loss protection, the car damage insurance also includes the protection of the whole vehicle theft insurance, engine wading insurance, spontaneous combustion insurance, glass damage insurance, deductible insurance, unable to find a third party insurance, and designated repair shop insurance. The details are as follows: 1. The scope of the whole vehicle theft insurance covers the vehicle loss caused by the theft, robbery and robbery of the whole vehicle, as well as the reasonable expenses that need to be repaired if it is damaged during the theft, robbery and robbery, or the parts and accessories on the vehicle are lost.

2. Glass insurance can compensate for the loss of broken windshield and vehicle and ship glass alone, but does not compensate for broken lights, rearview mirrors, and sunroofs. 3. Wading insurance can compensate for the damage caused by water ingress into the engine, and the lease back fiber does not compensate for the loss caused by the second ignition. 4. Spontaneous combustion insurance can compensate for the loss caused by the vehicle itself, but does not compensate for the loss caused by external reasons or only the loss of the line.

5. Excluding deductible insurance, if there is a deductible when Shicong settles a claim, this liability can reduce the deductible to the inability to find a third-party special insurance If the accident should be paid by a third party, but the third party cannot be found, then the full compensation can be made. 7. Designated repair shop insurance: With this type of insurance, you can designate a repair shop for repair.

Have a great day.

Can the car damage insurance be compensated if the paint is scratched?

Yes. Okay thank you.

You're welcome.

In 2022Car damage insuranceIn addition to the basic vehicle loss protection, there are also full vehicle theft insurance, engine wading insurance, Jinling spontaneous combustion insurance, glass breakage insurance, etcDeductible not includedUnable to find third-party insurance and designated repair shop insurance. The details are as follows:

1. Whole car theft rescue.

The coverage covers the loss of the vehicle caused by the theft, robbery, or robbery of the whole vehicle, as well as the reasonable expenses for repairing the damage caused during the theft, robbery, or robbery, or the loss of the parts and components of the vehicle, and the equipment attached to the attached list.

2. Glass insurance.

It can compensate for the loss of the windshield and the glass of the vehicle and ship alone, but not the broken headlights, rearview mirrors and sunroof.

3. Wading insurance.

Damages caused by water ingress into the engine are compensated, but not losses caused by the second ignition.

4. Spontaneous combustion insurance.

It can compensate for the loss caused by the vehicle itself, but does not compensate for the loss caused by external reasons or only the loss of the line state.

5. Deductible insurance is not included.

If there is a deductible at the time of the claim.

This liability reduces the deductible to 0.

6. Unable to find third-party special insurance.

If the accident is due to be paid by a third party, but the third party cannot be found, then the full amount of compensation can be made.

7. Designated repair shop insurance.

With this type of insurance, it is possible to designate a repair shop to carry out repairs.