Does Ping An Insurance include vehicle scratch insurance, what should I do if my car is scratched af

Hello, if you have full insurance, of course it is included. If not, then you need to take a good look at the insurance liability. Wishing you happiness!

Hello! Yes, the body scratch loss insurance is divided into four grades: 10,000 and 20,000.

Hello, any company's car insurance has scratch insurance, but you need to add it when you apply for strong insurance.

Hello, Ping An car insurance has the responsibility of scratch insurance, but I don't know if you have purchased this insurance liability?

Hello, your car key is protected, vehicle scratches are included, if you don't want to be protected, you can also protect the scratches.

Hello, you can check if the policy has a vehicle scratch insurance column, if not, it is to be insured separately. Moreover, the requirements for the service life of the vehicle and the residual value rate of the vehicle are very high. Hope it helps. Peace be upon you.

Hello, vehicle scratch insurance is an additional insurance, as long as it is attached, you can reimburse the cost of scratch repair!

Hello! Vehicle scratch insurance is add-on, and only new cars that are less than four years old can purchase scratch insurance.

In layman's terms, insurance is a big category. For example, you say that electrical appliances are a general term for electrical equipment such as televisions, refrigerators, rice cookers, air conditioners, etc. Vehicle scratch insurance is just a small part of the car insurance. Car insurance is another branch of insurance.

At present, the body scratch insurance of mainstream models in the market is about 400 yuan per year, and the compensation limit is up to 2,000 yuan. And this ** actual work, often after discounts, almost.

If the car is scratched, you can take insurance, and you can take scratch insurance according to the damage.

or car damage insurance. One. For example, if the vehicle is parked in the community, and the child naughtily scratches the body paint with a sharp object, in this case, if the insurance is insured, you can get a claim. If the vehicle is scratched due to an accident while driving, it is a vehicle damage insurance.

Coverage of the Benefits.

If it is the above situation, the insured scratch insurance can directly call the insurance company** to report the repair.

Body Scratch Loss Insurance:

Body scratch loss insurance means that the car body scratch damage caused by the malicious behavior of others, the insurance company will compensate according to the actual loss. The insurance company is responsible for the compensation, and there are no scratches with obvious collision marks.

Two. If the vehicle is seriously scratched, you need to call 110 to call the police, and You Sui changes the other party's hit-and-run situation, and his insurance company only pays 70%.

Car damage insurance: The insured or its permitted driver has an insured accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range. If you don't have car damage insurance, you can't get additional insurance.

The most common car damages: collisions, overturns (rollovers), natural disasters.

etc. (hail. Heavy rain, **, etc.).

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

Ping An Auto Insurance Vehicle Scratch Insurance covers the insured vehicle if the paint on the surface of the body without obvious collision marks is scratched separately, and the insurance company will pay compensation according to the actual loss.

The claim process for Ping An Auto Insurance Vehicle Missing Scratch Insurance is:

2. Provide the necessary information for claim settlement and review by the insurance company;

3. After the review is passed, Bu Yiqi can receive the compensation within 3 working days at the earliest, and the car can be repaired with insurance.

Legal analysis: Ping An scratch insurance can buy a car within a few years.

Legal basis: Article 23 of the Insurance Law of the People's Republic of China After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money.

If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

Summary. At present, PICC stipulates that only new cars within 1-2 years can purchase scratch insurance; Pacific stipulates that the age of the vehicle insured by scratch insurance cannot exceed 5 years; Dadi stipulates that the age of the vehicle shall not exceed three years. At present, Ping An's scratch insurance products are only available for vehicles that are less than 3 years old.

When it comes to purchasing scratch insurance, each insurance company has a limit on the age of the vehicle.

At present, PICC stipulates that only new cars within 1-2 years can purchase scratch insurance; Pacific stipulates that the age of the vehicle insured by scratch insurance cannot exceed 5 years; Dadi stipulates that the age of the vehicle shall not exceed three years. At present, Ping An's scratch insurance products are only available for vehicles that are less than 3 years old.

1. The premium collection standard of Ping An Scratch Insurance.

Under normal circumstances, the insurance amount of scratch insurance is 2,000 yuan, 5,000 yuan, 10,000 yuan or 20,000 yuan, and the owner can choose to buy it according to the situation of his car. In the case of compensation, if the compensation is within the insured amount, the compensation will be calculated according to the actual repair cost. During the insurance period, the insurance liability of the rider will cease when the accumulated benefit amount reaches the insured amount.

Therefore, when purchasing vehicle scratch insurance, car owners must analyze specific problems, reasonably match according to their driving environment and habits, and choose affordable car insurance, so as to spend the least money to get the most comprehensive protection.

The amount of insurance is divided into 2,000 yuan, 5,000 yuan, 10,000 yuan and 20,000 yuan, and the purchase price of a new car is less than 300,000 yuan, the vehicle age is less than 2 years, the insurance amount is 2,000 yuan, and the premium is 340 yuan; The sum insured is 5,000 yuan, and the premium is 485 yuan; The sum insured is 10,000 yuan, and the premium is 646 yuan; The insured amount is 20,000 yuan, and the premium is 969 yuan. The age of the car is more than 2 years, the insurance amount is 2,000 yuan, and the premium is 519 yuan; The sum insured is 5,000 yuan, and the premium is 723 yuan; The sum insured is 10,000 yuan, and the premium is 1,105 yuan; The sum insured is 20,000 yuan, and the premium is 1,615 yuan.

2. The claim process of Ping An Scratch Insurance.

Ping An Insurance Company's handling of how to claim for scratch insurance is thoughtful, first protect the scene, keep the relevant certificate celebration receipts, **notify Ping An Insurance Company, and bring the original insurance policy, driver's license, driving license, and the insured's ID card to the insurance company for formal claim. After the insurance company assesses the loss, in order to verify the loss items and amounts, the corresponding compensation can be given only after the loss assessment is completed, and then submit the claim documents to receive the insurance compensation, the policyholder will submit the original policy, a copy of the ID card, a copy of the driving license, a copy of the driver's license and other information to the insurance company, and the compensation will be calculated by Ping An Insurance Company, at that time, the insurance company will notify the receipt of the insurance compensation, and when receiving the compensation, the recipient should bring the original insurance policy, the insured's ID card or the original household registration book.

3. Precautions.

It is worth noting that car scratch insurance has an absolute deductible of 15% for each claim, that is, the maximum compensation is only 85% of the loss; Car scratch insurance has a compensation limit during the insurance period, and if the car owner makes multiple claims during the insurance period, and the compensation amount reaches the compensation limit, the scratch insurance will be terminated and invalidated. It can be seen that even if you have insured scratch insurance, you still have to take care of your car to avoid damage outside the scope of insurance liability.