If there are scratches in the car, can I get car insurance? Or do you have to fix the car? 5

If there are scratches on the car, you can generally get car insurance, and you don't have to fix the car.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

Compulsory traffic insurance, the full name of compulsory motor vehicle traffic accident liability insurance, is the first compulsory insurance system implemented by national laws and regulations in China.

The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulate that compulsory traffic insurance is a compulsory liability insurance for the insured motor vehicle to compensate the victim within the liability limit for the personal and property losses caused by the insured motor vehicle road traffic accident, excluding the vehicle personnel and the insured.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured.

On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Do you buy scratch insurance,,, the previous scratches can also be insured, counting the previous scratches up to the maximum limit of 2000, if the scratches scratch the iron sheet, it belongs to the car damage insurance, if you want to pay for car damage, it depends on the specific extent of your car scratches.

Hahaha, of course, you can get car insurance, and people who get car insurance will see if you have an accident record or something last year. I won't be looking at the car at all.

Even if you buy scratch insurance this year and want to use it this year, you can let the insurance company repair the scratches, but it will only affect the premium discount for the next year.

You can get on it, don't look at the car. That is, you can only cultivate together until the next time you have a new scratch.

Motor vehicle insurance refers to a kind of property insurance, also known as automobile insurance, which is a kind of transportation insurance that takes the motor vehicle itself and the third-party liability of the motor vehicle as the subject of insurance.

The specific process of reporting insurance is: to report to the insurance company, explain the situation, more than 48 hours of general insurance companies will not compensate, keep the scene of the situation, the insurance company will send someone to verify; On-site treatment, the loss is small, the insurance company sent someone to the scene to investigate, and issued an "investigation report", the loss is larger, if the surveyor believes that it is necessary to report to the traffic police for processing, 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"; Damage assessment and repair of the vehicle, the owner of the vehicle will drive the vehicle to the insurance company designated or the owner of the designated damage assessment center, by the insurance company to assess the damage, after the damage assessment is completed by the repair shop to repair the car, after the vehicle repair is completed, the owner himself can pick up the car.

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. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

Scratch insurance is vehicle scratch insurance, which is one of the additional insurances, mainly as a supplement to car damage insurance, which can provide effective protection for body scratches caused by accidents. Scratch insurance is aimed at scratches on the paint surface of the body, if the collision marks are obvious, there is a cut, and there is a big pit, this does not belong to the scratches, and belongs to the scope of car damage insurance.

Scratch insurance can be reported. It does not affect the insurance application during the insurance period.

Scratch insurance is the full name of body scratch loss insurance, family self-use vehicles, non-business vehicles can be insured, refers to the insurance period, the insured vehicle has no obvious collision marks on the surface of the paint scratched separately, the insurance company is responsible for compensation according to the actual loss.

Scratch insurance refers to damage to the paint surface alone, as long as it is not caused by an obvious collision. You can apply for scratch insurance to deal with it, and there is a limit for scratch insurance every year, and you can't use it again this year when you run out. And remember to see if the policy has a rider that is not deductible, if not, it is 15%.

Hello, I received your question and am in the process of inquiry, and I will reply to you as soon as possible.

If you have scratch insurance, you can apply for it.

Questions. I didn't buy scratch insurance, and the salesman didn't explain it when I bought the insurance, and I didn't understand it myself.

If the body is scratched and the car is damaged, it is possible to take the car damage together, but if it is only scratches and there is no scratch insurance, you cannot take the insurance.

However, some insurance companies will give scratch touch-up paint when buying car insurance, and if there is a gift, you can use this.

Questions. Good. Thank you.

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Summary. Hello dear! Glad to answer for you :

The previous scratches of the car can not be insured Oh scratch insurance needs to be reported on the spot, the insurance company sent someone to investigate, to determine whether it is the loss caused by the accident, if the scratch is the old scratch before, the insurance company is not responsible for compensation. There is a liability limit for scratch insurance, for example, the liability limit of insurance scratch insurance is 5,000 yuan, and during the insurance period of the policy, if the first compensation is 2,000 yuan, then the limit is 3,000 yuan, until the limit is used up or the insurance period ends, and this liability is terminated.

Can I insure the previous scratches on the car?

Hello dear! I am glad to answer for you: the previous scratches of the car can not be insured Oh scratch insurance needs to be reported on the spot, the insurance company sent someone to investigate, to determine whether it is the loss caused by the accident, if the scratch is the old scratch before, the insurance company is not responsible for compensation.

There is a liability limit for scratch insurance, for example, the liability limit of insurance scratch insurance is 5,000 yuan, and during the insurance period of the policy, if the first compensation is 2,000 yuan, then the limit is 3,000 yuan, until the limit is used up or the insurance period ends, and this liability is terminated.

There are certain limitations to pro-car scratch insurance. Car scratch insurance has a 15% deductible every time, and the insurance company will only pay 85% of the loss, and the rest needs to be borne by the car owner; 3.In fact, how to report vehicle scratch insurance is still very simple, that is, the owner needs to pay attention to some details.

When reporting scratch insurance, pay attention to protecting the scene and contact the insurance company for compensation within 48 hours. If this time is missed, the owner loses the right to receive compensation from the insurance company.

Legal analysis: If the new car has scratches, under the condition of insuring scratch insurance, you can apply to the insurance company for compensation first, and then repair it.

Legal basis: Insurance Law of the People's Republic of China Article 22 After the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the relevant certificates and materials that it can provide to confirm the nature of the insured accident, the cause of the trembling, the extent of the loss, etc.

Is it necessary to buy vehicle scratch insurance to consider:1. First of all, it depends on your model, if it is cheaper than hundreds of thousands and the car is still relatively old, there is no need;

2. If you have a new car, it is recommended to buy scratch insurance in the first three years, because it is more expensive to repair, and the old car is relatively cheap to repair, and you can repair it with a paint pen;

3. If your car is worth a million, it is still recommended to buy a scratch insurance.

Scratch insurance is an additional insurance to vehicle damage insurance, that is, if the motor vehicle damage insurance is insured, the scratch insurance can be put into operation. The full name of scratch insurance is body scratch loss insurance, which can be insured with family vehicles and non-business vehicles, which refers to the fact that during the insurance period, the insured vehicle has no obvious collision marks on the surface of the body paint scratched separately, and the insurance company is responsible for compensation according to the actual loss. Scratch insurance is an additional insurance to the vehicle damage insurance, that is, it can only be insured if the vehicle damage insurance is insured, and cannot be insured separately.

Is Car Scratch Walk Insurance Necessary? When choosing insurance for a new car, car owners often ask such questions. Because in many car damage insurance add-ons, there is scratch insurance.

But very few people are insured. Insurance experts suggest that car scratch insurance is very important for cars, especially for new car owners, it is best to choose this additional insurance for car damage insurance, which is not expensive but very practical. The importance of car scratch insurance, let's first look at two examples.

Example 1: Mr. Ye, who was trapped in a high-end community in his home hall, encountered scratches on his body in the parking space. For vehicles worth 500,000 yuan, these scratches have been repaired to their original appearance, which costs more than 10,000 yuan.

Although Mr. Ye has taken out car damage and imitation insurance, he does not have car scratch insurance. Therefore, the insurance company is not liable for these losses. Example 2:

When Ms. Huang's car was washed, she accidentally found that there were many scratches on the body. Since the insurance was about to expire, she didn't know if it was necessary to take insurance for these car scratches. Ms. Huang quickly called the insurance company and finally got the claim.

During the new insurance process of the vehicle, Ms. Huang chose the additional scratch insurance of the car damage insurance as always. These two examples represent the mindset of many car owners. The mistake of these two ideas is that the understanding of vehicle scratches is not in place.

During driving, scratches are inevitable. Not only does it affect the aesthetics of the vehicle, but more importantly, it damages the vehicle's primer.

Scratch insurance, generally just bought a new car like scratch insurance. Why is scratch insurance not worth it? For example:

Shed scratch insurance, the amount is 2000 yuan, **400 yuan! 5000 yuan quota, **800 yuan! If the amount is added up, the premium for the second year will be **.

In this way, it is not cost-effective to scatter an insurance in this hall, there are really scratches, and you can go directly to the car damage insurance.