How is car damage insurance compensated? How car damage insurance pays

Car damage insurance is an insured accident that occurs while driving the insured vehicle while the insured or the driver allowed by the insured, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range. But if an external object falls or something, it is usually the party who caused the damage is compensated.

For example, if the customer's car is parked in the community, and there are windows and other objects on the upper floor that fall and smash the target, you need to find the owner for compensation. If you have scratch insurance, you may be able to take scratch insurance. However, it is still recommended that if you are just a small scratch that is not in the way, do not look for an insurance company, and find a repair shop to spray paint yourself.

Because you find an insurance company, your claim record will be one more, now the insurance implements a floating rate, a year without insurance, the premium of compulsory insurance can have a 10% discount, commercial insurance will also give you a discount, but as long as there is a record, the discount is gone, and the premium saved by not taking insurance is definitely more than the money for spray painting.

When you get out of the car, you should report the loss to the insurance company in time, and after the insurance company assesses the loss, then you can claim from the insurance company for the actual loss within the scope of the assessment.

This belongs to the other party, but the perpetrator cannot be found, and the insurance generally does not pay you. You just set up an accident scene by yourself, saying that you rubbed the corner of the wall or something. Call the insurance company** and wait for them to come and assess the damage.

As for how much to lose, the general compensation and repair costs are the same, ** are conventional, and the spray paint will not exceed two hundred. There is no need to go insurance for this money.

If you renew the insurance online, such as Ping An online car insurance, private car commercial insurance can save 15% more, and in some areas you can get another 7% discount, which is much more cost-effective than finding an insurance company to report that hundreds of dollars.

This kind of scratching is very common, and it is best not to find an insurance company if it is not big.

The process of paying out car damage insurance is as follows:

1. The insured has vehicle damage insurance.

After the insured accident in the contract, you need to report it to the insurance company within 48 hours, if it is a road accident.

It is also necessary to report the case to the traffic police department;

2. The staff of the insurance company goes to the location of the vehicle to conduct on-site investigation, and before that, the insured can take some ** as evidence in advance, and the staff of the insurance company needs to provide the corresponding information when they arrive;

3. After the damage assessment, the insured will send the vehicle to the repair shop for maintenance;

4. Keep the maintenance documents and hand them over to the insurance company;

5. The insurance company settles the claim.

Car insurance. Car damage insurance is a type of insurance that can be compensated when the insured vehicle is damaged due to an insured accident.

The amount of car damage insurance insured.

The method of determination is to determine the amount of insurance according to the purchase price of the new car; The sum insured is determined based on the actual value at the time of application; It is determined by negotiation between the policyholder and the insurance company.

The following causes damage to the insured vehicle are covered by the vehicle damage insurance. 1. Collision and overturning.

Expert. A collision is when a protected vehicle comes into 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 a natural disaster or accident, 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 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.

Hello insurance, car damage insurance only compensates for the loss of the vehicle within the dao.

Allow, and the other party's loss is compensated with three insurance, so if you only buy three insurance, do not buy car damage insurance, the insurance company will only be responsible for paying the other party's losses (within your three insurance limit, the excess part is at your disposal), of course, if the other party is also responsible, then part of your loss can be accompanied by the other party... New Year's Insurance Supermarket.

In the event of damage to the vehicle, the first thing to report is to report the case as soon as possible.

According to the results of the traffic police, who is responsible for the company's compensation, on-site investigation and damage assessment.

If you buy the car damage rider insurance without deductible, you will be paid in full. If there is no additional deductible, 80% will be paid.

50% of the compensation or denial of compensation on the spot.

1. How is the car damage insurance compensated?

1. The compensation standard of car damage insurance is as follows:

1) The insured needs to report to the insurance company within 48 hours after the insured accident in the vehicle damage insurance contract, and if it is a road traffic accident, it is also necessary to report to the traffic police department;

2) The staff of the insurance company goes to the location of the vehicle to conduct on-site investigation, and before that, the insured can take some ** as evidence in advance, and the staff of the insurance company needs to provide corresponding information when they arrive.

2. Legal basis: Article 55 of the Insurance Law of the People's Republic of China.

If the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, the agreed insured value shall be used as the compensation calculation standard 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.

2. What is included in the car damage insurance?

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 circuit, electrical appliances and fuel supply system, or the loss of the insured vehicle due to the reasons of the goods carried themselves;

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, robbed, and damaged in the process.

Legal Analysis: Coverage of Car Damage Insurance:

1.**No Compensation** follows the practice that most property insurance does not cover** liability, and after covering most natural disasters, ** is also excluded from the car insurance clause. For a long time, insurance companies have always been cautious about the first-class insurance business.

Insurance regulators also discourage insurers from underwriting due to a lack of data and experience.

2.Most insurance clauses will have similar provisions, and insurance companies lack a standard for assessing the loss of mental damages. Any moral compensation arising out of the insured event shall be deemed to be exempt from liability.

3.In the above cases, the driver is not qualified to drive on the road and seriously violates traffic laws. In addition, if the driver does not match the type of driver who is allowed to drive, or if the driver is on the highway during the probationary period, the insurance company will also refuse to pay.

4.The damage caused by the restart of the engine after water ingress is not compensated after the "Maisha" typhoon in 2005, which has caused many disputes. The insurance company believes that if the driver forcibly ignites the damage caused by the vehicle after driving to the depth of the water and the engine is turned off, it is caused by improper operation and is not within the scope of compensation for Fan Fubiwei.

5.If some parts are stolen, if the whole car is quietly stolen, but the parts such as tires, audio equipment, car logos, etc. are stolen, the owner can only consider himself unlucky. Insurance companies usually stipulate that "not all vehicles are stolen, but only the parts or accessories on the vehicle are stolen, robbed, robbed, or damaged" as an exclusion.

6.Flat tires do not compensate for separate damage to car tires, and the insurance company will not compensate for them. However, the insurance company will be responsible for compensation for the loss of other parts of the vehicle caused by collisions, rollovers and other accidents caused by tire bursts.

Note: Car damage insurance is not fully paid, and the insurance company will set an absolute deductible in the car damage insurance terms and list the liability exclusion clauses according to the specific circumstances. At present, many insurance companies have introduced deductible insurance, and the insured can transfer the deductible amount borne by the accident liability to the auto insurance company, and the car owner will receive more compensation.

Legal basis: "Provisions of the People's Republic of China on Vehicle Loss Insurance" Article 9 The insured amount shall be determined by the policyholder and the insurer in the following three ways, and the insurer shall bear the corresponding liability for compensation according to the different ways of determining the insured amount: it shall be 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 in this insurance contract 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.

Legal analysis: If your car is parked and hit, if you can find the car that hit you, then you don't need your insurance company to pay you compensation, and the other party needs to be responsible for repairing your car, but if you can't find the person who hit your car, and your car has now left the first scene, the insurance company can only pay you 70% of the amount, and the insurance company stipulates: 30% without on-site deductible.

It also depends on whether your insurance is as complete as Cong Xin. If you buy not only car damage insurance but also deductible insurance, then the insurance company will pay you 70%, but if you do not buy deductible insurance, then the insurance company will only pay you 50%.

Legal basis: "Provisions on Procedures for Handling Road Traffic Accidents" Article 91 The traffic police shall mediate the rotation of compensation for road traffic accident damage and slag in accordance with the following procedures: (1) inform the parties of their rights and obligations; (2) Hear the requests and reasons of the parties; (3) Determine the liability for damages borne by the parties on the basis of the facts identified in the road traffic accident determination document and the provisions of Article 76 of the "Zhengyu Road Traffic Safety Law of the People's Republic of China"; (4) Calculate the amount of damages, determine the proportion to be borne by all parties, and the standards for personal injury compensation shall be implemented in accordance with the "Civil Code of the People's Republic of China", "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases", "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Road Traffic Accident Compensation Cases" and other relevant provisions, and the cost of repairing property losses and compensation at a discount shall be calculated in accordance with the actual value or the assessment conclusion of the appraisal agency; (5) Determine the method and time limit for the performance of compensation.

Car damage insurance pays like this: when the car can be repaired, the repair cost of the car is generally the compensation amount of the car damage insurance. When a vehicle is scrapped due to a traffic accident, the reasonable value of the vehicle at the time of scrapping is the amount that needs to be compensated by the vehicle damage insurance.

Therefore, it needs to be analyzed in combination with the specific situation.

[Legal basis].Article 1184 of the Civil Code.

Where the property of others is infringed, the property loss shall be calculated in accordance with the market or other reasonable methods at the time of the loss.

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.