What is included in car insurance for car damage

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.

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.

Meaning of vehicle damage insurance: Vehicle damage insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, which is the highest premium type of insurance in most private car insurance.

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.

1. Collision, overturning, falling.

2. Fire, **.

3. Falling and collapsing of external objects.

4. Lightning strikes, storms, torrential rains, 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).

The cost of car damage insurance is mainly calculated according to the insurance method.

1. Under normal circumstances, the insured amount of car damage insurance will be determined according to the purchase price of the new car. In this way, the insurance company considers that the insurance is fully insured, and the insured can be compensated for the actual loss when the accident occurs.

2. In the second case, the insured amount of car damage insurance shall be determined according to the actual value at the time of insurance. Actual value is the purchase price of a new vehicle minus the amount of depreciation**. Although this insurance method can pay less premiums, it is underinsured in terms of insurance.

Because in the event of a partial loss, the insurance company can only compensate proportionally according to the ratio of the actual value to the new car**. Because the owner is insured according to the actual value of the car, the insurance amount of all auto parts is based on the depreciation price as the claim standard, in case the car needs to be replaced with new parts in the process of repair, the insurance company can only refer to the depreciation value of the parts, and compensate the owner for part of the repair costs.

1. What is the content of the car damage insurance package?

1. The contents of the car damage insurance are as follows:

1) Vehicle damage insurance, damage to the vehicle caused by collision, overturning, fire, ** and other insured accidents;

2) Spontaneous combustion insurance, due to the failure of the vehicle's wiring, electrical appliances, and fuel supply system, or the failure of the goods carried by themselves, resulting in the loss of the insured vehicle;

3) Glass insurance, which mainly covers the damage of the insured car only in the windshield or window glass;

4) Theft insurance, which can insure the whole car within the scope of the insured car is stolen, robbed, robbed, and damaged in the process.

2. Legal basis: Article 18 of the Motor Vehicle Insurance Clause.

In the event of a traffic accident involving the insured motor vehicle, the insured shall apply to the insurer for compensation of insurance money. When the insured makes a claim, it shall provide the insurer with the following materials:

1) The insurance policy of compulsory traffic insurance;

2) The claim application issued by the insured;

3) The valid identity certificates of the insured and the victim, the driving license of the insured motor vehicle and the driver's license;

D) the accident certificate issued by the traffic management department of the public security organ, or the relevant legal documents and other certificates issued by the people's courts and other institutions;

5) If the insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, it shall provide an agreement to record the traffic accident in accordance with the provisions of the "Provisions on Traffic Accident Handling Procedures";

6) Proof of the extent of the victim's property damage, proof of the degree of personal disability, relevant medical certificates, and a list of relevant losses and expense documents;

7) Other proofs and materials related to the confirmation of the nature, cause, and extent of loss of the insured event.

2. How to settle the claim for car damage insurance.

1. The driver of the motor vehicle shall report the accident within 48 hours of the incident;

2. The insurance company shall conduct investigation and damage assessment, and the personnel of Duan Qinghe shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice of the insurance company;

3. Sign for the review of the claim documents;

4. Adjustment and review;

5. Examination and approval by the insurance company;

6. Settlement of compensation.

Hello, for your question, the car damage insurance includes the whole car theft insurance, regardless of the deductible special insurance can not find the third party of the property hall, especially the engine wading insurance, glass breakage insurance, natural loss insurance and designated repair shop insurance, empty ants these 7 types of insurance. Douqin.

The main contents of car damage insurance are:

1. Collision and overturning; 2. Fire, **. 3. Collapse of external objects, falling objects running in the air, and parallel falling of insured vehicles while driving; 4. Lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, debris flows, landslides; 5. The ferry carrying the insured vehicle suffers from natural disasters.

Vehicle damage insurance includes collision, overturning, or falling during the period of insurance excavation, when the insured is in a commotion during the use of the insured motor vehicle; Fire**; The insurer shall be responsible for compensation for the direct loss of the insured motor vehicle caused by the fall or collapse of external objects in accordance with the provisions of this insurance contract. In the event of an accident, the insurer shall bear the necessary rescue expenses paid by the insured to prevent the loss of the insured motor vehicle.

Legal basis: Motor Vehicle Insurance Provisions

Article 1: The insurer shall be responsible for the 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:

1) Collision and overturning;

2) Fire, **, in accordance with the insurance contract for the spontaneous combustion of non-operating enterprises or agency vehicles;

3) Falling or collapsing of external objects, and parallel falls of the insured vehicle while driving;

4) Storms, tornadoes, lightning strikes, hailstorms, torrential rains, floods, tsunamis, subsidence, ice subsidence, avalanches, mudslides, landslides;

(e) The ferry carrying the insured vehicle suffers from a natural disaster listed in subparagraph (4) of this Article (only for those who are accompanied by a driver).

What Does Car Insurance Cover Cover?

3. Collapse of external objects, falling objects running in the air, and parallel falling 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.

Legal basis] The Motor Vehicle Insurance Clause divides motor vehicle insurance into two types: vehicle damage insurance and third party liability insurance. By nature, vehicle damage insurance is a typical vehicle insurance.