What does car damage insurance mean in car insurance?

What does car damage insurance mean? Although many car owners are usually cautious when driving, accidents are inevitable. When an accident occurs, the car will be damaged, and if you don't have car damage insurance, then you will have to pay for the repair of the car yourself.

But if you have car damage insurance, then the insurance company will cover most of the repair costs. Speaking of which, everyone should basically know what car damage insurance means. To sum up, car damage insurance means that the insurer or its driver has an accident while driving, resulting in damage to the vehicle, and the insurance company will compensate within a reasonable range.

The scope of compensation also includes losses caused by most natural disasters except **.

Some car owners: the amount of insurance has increased. Purchase tax is included in the amount of car damage insurance, which many car owners find completely unreasonable.

Because after the purchase tax is added, the premium is increased a lot. However, at present, when insurance companies collect the insured amount of car damage insurance, they do calculate it on the basis of naked cars** + purchase tax.

Insurers: It is a common practice in the industry. At present, the insured amount of car damage insurance is mostly determined according to the purchase price of the new car, and this provision is clearly stated in the car damage insurance clauses of various insurance companies.

What does car damage insurance meanIn the eyes of the insurance company, car damage insurance includes purchase tax. The reason why they adopt this regulation is said to be because the insurance company does not know how much cheaper the car price is when consumers buy the car, and the **invoice issued for the naked car may not truly reflect the market of the car**.

What Does Car Insurance Cover Cover?

The vehicle damage insurance in vehicle insurance is to insure: collision, overturn, fall; Fire, **, spontaneous combustion (plus spontaneous combustion insurance); Falling, collapsing of external objects; storms, tornadoes; lightning strikes, hail, tornadoes, floods, tsunamis; ground subsidence; Ferries carrying insured vehicles suffer from natural disasters.

The full name of vehicle damage insurance is vehicle loss insurance, which means that if an insured accident occurs while driving the insured vehicle or its permitted driver, resulting in damage to the insured vehicle, the insurance company shall compensate within the scope of the contract. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insurer to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of insurance money.

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.

Vehicle damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range due to the damage to the insured vehicle caused by an insured accident when the insured or its permitted driver is using the insured vehicle.

The insurer is not responsible for compensation for the following losses and expenses of the insured vehicle:

1. Natural wear, rust, failure, and tire damage alone;

2. The glass is broken alone, the body scratches without obvious collision marks, and the sunroof and reversing mirror are broken separately;

3. Losses caused by artificial direct oil supply and high-temperature baking;

4. Losses caused by spontaneous combustion and unexplained disasters;

Spontaneous combustion refers to the combustion due to the failure of the vehicle's electrical appliances, wiring, and oil supply system or the goods carried by themselves.

5. After suffering losses within the scope of insurance liability, the part that continues to be used without necessary repairs, resulting in the expansion of losses.

Car damage insuranceIt refers to 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.

Car damage insurance and third-party insurance are vehicle insurance.

The basic insurance mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use!

In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the insured amount.

amount.

Vehicle insurance car damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver compensates the insured vehicle within a reasonable range if an insured accident occurs while using the insured vehicle, resulting in damage to the insured vehicle.

The insured amount of car damage insurance is determined according to the purchase price of the new car, the insured amount is determined according to the actual value at the time of insurance, and the insured and the insurance company negotiate and determine. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the course of using the insured vehicle or its permitted driver, but the maximum amount shall not exceed the amount of the insured amount:

1. Collision, overturning, falling;

2. Fire, **, spontaneous combustion;

3. Falling and collapsing of external objects;

4. Storms and tornadoes;

5. Lightning strikes, hailstorms, heavy rains, floods, tsunamis;

6. Subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide, **;

7. In the event of a natural disaster on a ferry carrying an insured vehicle, it is limited to those who have a driver on board to take care of it.

What Does Car Insurance Cover Cover?

Car damage insurance is a type of commercial insurance for automobiles.

It means that the insurance company shall compensate the insured vehicle within a reasonable range if an insured accident occurs while the insured person or his permitted driver is driving the insured vehicle, resulting in damage to the insured vehicle.

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

collision, overturning, falling;

Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured);

Falling and collapsing of external objects;

storms, tornadoes;

lightning strikes, hailstorms, torrential rains, floods, tsunamis;

ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver).

2. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of the insured amount.

The full name of vehicle damage insurance is motor vehicle loss insurance, which refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability.

During the insurance period, the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract if the insured or its permitted driver causes direct losses of the insured motor vehicle due to the following reasons in the course of using the insured motor vehicle, and it does not fall within the scope of exemption from the insurer's liability

1. Collision, overturning, falling;

2. Fire, **;

3. Falling and collapsing of external objects;

4. Lightning strikes, storms, rainstorms, floods, tornadoes, hail, typhoons, tropical storms;

5. Subsidence, cliff avalanche, landslide, debris flow, avalanche, ice subsidence, blizzard, ice cube, sandstorm;

6. Accidentally hit by the goods and people on the insured motor vehicle;

7. The ferry carrying the insured motor vehicle suffers from a natural disaster (only if the driver is accompanying the ship).

What Does Car Insurance Cover Cover?

It means that when my car is damaged and repaired, the insurance company pays me to repair it.

Car damage insurance is your own car, when you insure the insurance, you can be insured according to the purchase price of the new car or according to the actual value, according to the actual value of the insurance, the claim must be paid in proportion to the purchase price of the new car.

Vehicle damage insurance if you hit a tree. If you need to repair the car, you will pay for car damage. You can insure the full amount of the purchase price of the new car, and then add a deductible. That's it.

Generally, the car is insured for car damage and all three are not deductible, and the people on the car.

I also have an easy construction insurance (accident insurance) of 100 yuan, and the insurance amount is 100w. It's also a year. Hassle-free driving.

Legal analysis: Vehicle damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver is compensated within a reasonable range if an insured accident occurs while driving the insured vehicle, resulting in damage to the insured vehicle. Vehicle damage insurance mainly refers to the loss of vehicles used to compensate for unilateral accidents, but does not include the loss of glass damage, the loss caused by parking, etc.

In general, there are three forms of vehicle damage insurance:

1. Purchase ** coverage according to the new car;

2. Underwriting according to the actual value of the vehicle;

3. It is underwritten according to the ** negotiated by both parties.

Legal basis: Insurance Law of the People's Republic of China

Article 55 Where the policyholder and the insurer agree on the insured value of the subject matter of insurance and specify it in the contract, the agreed insured value shall be used as the standard for calculating compensation when the loss of the insured object occurs.

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.