What does Ping An s car damage insurance cover? How do I make a claim?

Ping An car damage insurance actually refers to the damage to the vehicle caused by the insured accident when the driver is driving the vehicle, so in this case, the insurance company will give corresponding compensation. Many people may not know what car damage insurance includes, in fact, the coverage of car damage insurance is still relatively wide, for example, when the vehicle has a collision, tilt, fire, ** fall, or loss caused by external objects, then the insurance company will give corresponding compensation. <>

If it is a safe car insurance purchased, the claim process is actually very simple, but after the vehicle has an accident, the first thing you need to do is to call the police, and then call the after-sales service of the insurance company**, at this time, the company's claims adjuster will go to the accident scene for investigation. After calling the police, the police will also issue an accident report certificate, and then rely on this accident certificate to make a claim. When the company's claims adjuster completes the survey, the damage will be assessed, and then we only need to go directly to the specified 4S shop to repair the vehicle.

If the damage to the vehicle is not particularly serious and the amount of compensation is relatively small, then the insurance company will pay the amount directly to our personal bank account within 24 hours. However, if the damage to the vehicle is more serious, there are more things involved, and the repair is relatively high, then the entire compensation process may be slightly more complicated and take more time, but usually all the compensation work will be completed within a week. <>

Overall, I think Ping An Auto Insurance is still very good, and this insurance company is also quite well-known in China, which can be regarded as a trustworthy insurance company. Of course, in addition to car damage insurance, I think insurance products such as wading insurance and compulsory traffic insurance are indispensable, in addition to these, you can choose different car insurance products according to your actual needs.

It should include water insurance, as well as losses caused by traffic accidents. That would allow the insurance company to inspect the vehicle before making a claim.

There are fires, collisions, tilts, falls, and losses due to external causes. When there is a problem with the vehicle, you should immediately call the claim**, so that a professional person will identify it, and then submit the relevant materials, and you can make a claim after one month.

The car damage insurance should include the damage to the car, the corresponding amount of money that will be claimed, and the compensation will be made according to the percentage of the damage.

Ping An's car damage insurance is mainly for damage to its own vehiclesThe scope of compensation mainly includes the following points:

1. Collision and overturning. A collision is when the insured vehicle is in direct contact with an external object. Scratches on the insured vehicle are not covered by the car damage insurance.

Overturning is when the insured vehicle overturns due to natural disasters or accidents, causing it to lose its normal state and driving ability, and cannot resume driving without rescue.

2. Fire, **.

3. Collapse of external objects, falling objects running in the air, and parallel falls of insured vehicles while driving.

4. Lightning strikes, storms, tornadoes, heavy rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, mudslides, landslides.

5. The ferry carrying the insured vehicle suffers from a natural disaster.

How Ping An car damage insurance is calculated.

1. It is determined according to the purchase price of the new car of the insured vehicle at the time of insurance. The purchase price of a new car for an insured vehicle refers to the purchase of a new car of the same type as the insured vehicle (including vehicle purchase tax) at the place where the insurance contract is signed**.

2. It is determined according to the actual value of the insured vehicle at the time of insurance. The actual value of the insured vehicle is the purchase price of a new vehicle of the same type minus the discount amount**. The actual value of the insured vehicle at the time of insurance is determined based on the purchase price of the new vehicle at the time of insurance minus the amount of depreciation.

Less than 1 month is not subject to depreciation. The maximum amount of depreciation shall not exceed 80% of the purchase price of the new vehicle insured at the time of insurance.

3. It shall be determined through negotiation according to the purchase price of the new car of the insured vehicle at the time of insurance. For new equipment other than the standard configuration of the insured vehicle, the name of the equipment and the list of equipment should be listed in the insurance contract, and the insurance amount can be increased accordingly according to the actual value of the equipment. The new equipment insurance vehicles are depreciated together.

The above content refers to Ping An Insurance - Car Damage Insurance.

Car damage insurance, third-party insurance, car theft insurance, vehicle personnel insurance, driver and passenger insurance, theft insurance, glass insurance, scratch insurance, spontaneous combustion insurance, excluding deductible insurance.

In order to carry out comprehensive accident loss protection for the car, and at the same time save the time and energy of selecting the type of insurance, many car owners will choose to insure the car when insuring the car, and think that as long as the car is purchased full insurance, it is equivalent to buying universal insurance. However, when the owner makes a claim in some cases, it is denied. In fact, car full insurance is just a concept, there is no actual scope to determine, ordinary people understand as if the purchase of full insurance is the insurance to buy all, any failure and accident of the vehicle, you can find the insurance company to claim.

In fact, buying a car full insurance does not mean putting the car in the safe, and the car is not fully insured in the real sense, and you must clearly understand the terms of the insurance when you buy insurance. Now take Ping An Insurance's auto full insurance as an example, what types of insurance are included in ** auto full insurance, and lead the car owner out of the insurance misunderstanding that you can get full compensation when you insure all insurance.

At present, all insurance policies of various insurance companies include basic insurance, additional insurance and deductible insurance. In addition to compulsory traffic insurance, the basic insurance part of Ping An Insurance's auto full insurance also includes four independent types of insurance: commercial third-party liability insurance, vehicle loss insurance, full vehicle theft insurance, and vehicle personnel liability insurance, which can effectively prevent losses. There are a total of 15 additional insurances for the basic insurance part of Ping An Insurance's auto full insurance, which can be supplemented with relatively small premiums to form a more comprehensive insurance, such as the policyholder can also voluntarily choose to insure according to domestic or imported glass when insuring the glass breakage insurance alone.

The non-deductible clause of Ping An Insurance's auto full insurance is divided into a special clause for basic insurance without deductible odds and a special clause for additional insurance, and a special clause for basic insurance without deductible odds. The insurance company will be responsible for the compensation of the deductible amount determined by the insured through the division of accident liability. However, excluding the deductible, not all coverages are not applicable.

If the insurance policy expressly provides for the exclusion of liability and absolute deductible clauses, it is still the responsibility of the insured.

It can be seen that the idea that the insurance company should cover everything after taking out all the car insurance is a one-sided misunderstanding of the full insurance. The so-called all-risk insurance is not a type of insurance, but a combination of basic insurance, additional insurance, common insurance and deductible insurance. Even if you have purchased all types of insurance, there are certain exclusion clauses when making claims for each type of insurance.

Therefore, car owners should study the insurance terms, especially the exemption clauses, before applying for insurance, recognize what types of insurance are included in the auto insurance, and correctly choose Ping An Insurance auto insurance to avoid unnecessary losses.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Car damage insurance includes those insurances.

In addition to vehicle loss insurance, vehicle damage insurance also includes full 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.

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 phone malfunctioned just now, and it was very necessary to buy it.

What Does Car Insurance Cover Cover?

Taking car damage claims as an example, the specific process is as follows:

1. Call 95511 to report the accident, and call 95511-9 immediately after the accident occurs, and the claims specialist will arrange assistance according to the accident situation.

2. Accident investigation, the surveyor provides 7x24 hours on-site accident investigation services, confirms the accident insurance liability, loss and cost, and recommends the loss repair plan.

3. Confirm the loss repair plan and choose the repair method of the damaged property, including the selection of vehicle repair shops; Customers who meet the conditions for quick claims can take the fast claim channel.

Fourth, car repair, vehicle maintenance, it is recommended to choose the repair shop recommended by Ping An, high-quality, convenient and guaranteed.

5. Submit the claim information, the compensation amount is less than 10,000 yuan, the car damage is pure, and there is no case for the repair shop to handle the compensation on behalf of the case, you can enjoy the door-to-door claim collection information service; Other car owners can submit the information to the counter of the claim office for review.

6. After receiving the compensation and reviewing the claim materials, the case will be closed. Ping An paid the compensation through bank transfer and completed the claim. Car owners who meet certain conditions can enjoy instant payment of compensation.

Hello! Ping An auto insurance claim procedure 1, after the accident, first of all, do not move the scene to call the first time to report **: 95511 to the insurance company to report, if the traffic police have been out of the scene, within 48 hours to the insurance company to report, 2, report to the traffic police processing, 3, to the repair shop to contact the surveyor to dismantle the damage, repair the car, 4, both sides of the accident with the traffic police certificate, (unilateral accident without traffic police certificate) repair invoice, insurance policy, driving license, when the driver's license, the insured's ID card, the insured's bank card, etc.

Go to Ping An Insurance Company to make a claim, I hope it will help you.

In addition to the existing liabilities, Ping An Auto Damage Insurance has added the liabilities of motor vehicle theft, glass breakage, spontaneous combustion insurance, engine wading insurance, deductible insurance, and inability to find a third-party special contract, and deleted the deductible agreements such as accident liability waiver odds and inability to find third-party waiver odds.

It should be noted that the ** of car damage insurance is not uniform. It is calculated as (base premium, vehicle purchase price, rate) * preferential coefficient. Here, the basic premium and rate are set by the CIRC, while the vehicle purchase** is calculated according to the recent market ** at the time of purchase, and the preferential coefficient is set by the insurance company itself.

Extended Information] Ping An Insurance (Group) Co., Ltd. of China was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into one of the personal comprehensive financial service groups with the three main businesses of financial insurance, banking and investment, and the parallel development of traditional finance and non-traditional finance. The company is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with a width of 2318 and 601318 respectively.

Ping An is committed to becoming a leading international provider of personal financial life services, building a traditional business system with insurance, banking and investment as the pillars, and adhering to the common development of traditional and non-traditional financial businesses. In terms of traditional business, we actively implemented the two core tasks of "financial supermarket and customer migration"; In terms of non-traditional business, we will vigorously promote innovative projects, integrate financial services into customers' various life scenarios of "medical care, food, housing, transportation and play", create a comprehensive financial service platform of "one customer, one account, multiple products, and one-stop service", create a brand experience of "professionalism and make life simpler" for customers, obtain sustained profit growth, and provide long-term and stable value returns to shareholders.

Its business scope includes investing in insurance companies, supervising and managing various international businesses of holding investment enterprises, and carrying out insurance fund utilization business. It has been selected into the list of top 500 Chinese enterprises in 2020, ranking sixth.

On October 27, 2021, Ping An of China announced on the Hong Kong Stock Exchange that the operating profit attributable to the parent company in the first three quarters was 100 million yuan, a year-on-year increase; The net profit attributable to the parent company was 100 million yuan, a year-on

Ping An Auto Damage Insurance Claim Process and Precautions:

1. The materials that need to be prepared for claim settlement generally include: claim application, damage assessment form, original vehicle maintenance invoice, original vehicle repair settlement list, bank card opened in the name of the insured, copy of the insured's ID card, copy of the vehicle driving license, copy of the driver's license of the accident driver, etc.

2. After the vehicle accident, do not move the vehicle out of danger, you should report to the insurance company as soon as possible, the insurance company will assign a special survey personnel to investigate the scene after receiving the report, and then price and compensate according to the results of the investigation and the damage assessment results of the maintenance center.

Generally, the insurance company requires a report within 48 hours, and the insurance company will send a surveyor to the scene to determine whether your traces match, if they do, it is generally an approved travel leak. If you drive the car not far from the scene of the incident, it can still be measured according to the height and traces of the scene, and it will not have any effect. However, it is necessary to report the case within the time specified by the insurance company, and if the report is late, there may be an additional deduction for part of the exemption.

Unilateral accident is the most common type of accident, because it does not involve the damage of a third party, only causes damage to the insured vehicle, and the accident liability is fully responsible for the insured vehicle, so the accident handling search is very simple.

1. Report the case. After an accident, keep the scene of the accident and report it to the insurance company you insure immediately.

2. On-site processing.

1. If the loss is small (less than 10,000 yuan), the insurance company will send someone to the scene to investigate and issue an investigation report

2. If the loss is large (more than 10,000 yuan), if the surveyor thinks that it needs to be reported 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 an "accident identification letter".

3. Damage assessment and repair.

1. The owner will send the vehicle to the damage assessment center and notify the insurance company at the same time to assess the damage.

2. Repair the car in the repair shop.

3. The owner picks up the car.

4. Submit documents for claim.

Claim: Collect the claim information and submit the materials to the insurance company for claim procedures.