After pasting the car clothing, it was scratched, and the insurance will not be insured?

If there is an accident, can I get a claim? If it is our responsibility, we are fully responsible, we can only repair the car through our own car insurance, then the film can only be paid out of your own pocket, unless you buy new equipment insurance, if the other party is fully responsible, we can repair the car through the other party's three insurance, at this time the film can be claimed.

Claims Process:

1.Vehicle Accident 2Obtain a traffic team certificate 3Fill out the insurance form 4The insurer reviews the loss assessment 5Send it to the repair shop for repair 6The insurance company pays out.

In the case of Ping An Auto Insurance, if you inquire about whether the case can be claimed, the answers are as follows for your reference:

If your car is out of insurance, it is recommended that you report the case first according to the normal claim process, and the claims adjuster will confirm whether the case can be claimed for you. If the case is an insurance liability, the follow-up claims department will verify the final compensation amount for you; If the case is not covered by the insurance, you can apply for cancellation of the case, and the successful cancellation of the case will not count the number of accidents, and it will not affect your premium for the next year.

If the bare car clothing is damaged and there is no compensation, the car clothing belongs to the rear and is not covered by insurance.

If the traffic accident causes the other party's vehicle to be scratched, the insurance company will only repair it. They will not re-attach the car clothes to the other party. Therefore, even if there is still a residual part of the compensation, the car owner needs to pay it himself.

If it is our responsibility, if we are fully responsible, we can only repair the car through our own car insurance, and the film can only be paid out of our own pockets, unless we purchase new equipment insurance, if the other party is fully responsible, we can pass the other party's three insurance.

Come to repair the car, at this time the film can get a claim. Whether the insurance company can settle the claim mainly depends on which party is responsible for the accident: the other party is fully responsible and can compensate; Both parties are responsible, and He You bears their own responsibilities, and Laju judges that they must be insured; You are fully responsible, and you will not be compensated if you are not insured.

If the accident occurs that the other party is solely responsible, after the judgment, even if we have not purchased any commercial insurance.

The other party's insurance company will also pay you the full amount of the loss, including the clothing you damaged in the accident. If both parties are responsible, then divide the losses that they need to bear in proportion, and the losses they need to bear require you to purchase corresponding insurance. And if you are fully responsible, then there is no need to doubt it, if you do not insure your own insurance company, it will not pay.

The claim process is as follows:

1. Vehicle accident;

2. Obtain the certificate of the traffic team;

3. Fill in the insurance form;

4. The insurer reviews and assesses the loss;

5. Send it to the repair shop for repair;

6. Compensation from the insurance company.

Generally speaking, the car clothing is not within the scope of the main insurance compensation of the car insurance, if the car owner is fully responsible and has not purchased the additional insurance related to the car clothing, the insurance company can not pay, but if it is the responsibility of the other party, you can ask the other party or its insurance company to compensate (the specific insurance company announced by the insurance company purchased by both parties shall prevail). As for the verification of **, it will be based on the official announcement** as a reference, and the invoice issued by the merchant and the official electronic warranty of the party consuming the brand's car clothing will be used as the basis for claims.

If you accidentally scratch while driving, you can apply for insurance, provided that you have purchased car damage insurance. Because compulsory traffic insurance and third-party liability insurance are types of insurance that pay for others and cannot be used on their own vehicles, special attention should be paid to this. If you're not very skilled at driving, it's a good idea to buy damage insurance in case you need it.

Extended Information] Vehicle insurance, that is, motor vehicle insurance, referred to 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.

Definition of auto insurance: A type of insurance widely carried out in China is an insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance.

Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance. Motor vehicle damage insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance is also responsible for compensation by the insurance company for the amount that should be paid by the insured in accordance with the law if the insured or its permitted qualified driver has an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

Whole vehicle theft insurance refers to.

1) The insured motor vehicle (including the insured trailer) that has been stolen, robbed, or snatched in the whole vehicle shall be filed and investigated by the public security criminal investigation department at or above the county level, and the whereabouts have not been ascertained for 60 days.

2) Reasonable expenses for repairing the entire insured motor vehicle that is damaged or the parts and accessories on the vehicle are lost and need to be repaired after the entire insured motor vehicle is stolen, robbed or snatched.

3) 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 motor vehicle shall be borne by the insurer, and shall not exceed the amount of the insured amount. Losses incurred in three cases can be compensated. Liability insurance for persons on board the vehicle refers to the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which is not intentional by the perpetrator (not intentionally by the actor, but unforeseeable and irresistible by the actor, resulting in the loss of personnel ** or property), as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which shall be compensated by the insurance company.

Additional insurance includes glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, engine water ingress insurance, no-fault liability insurance, scooter expense insurance, body scratch loss insurance, excluding the special clause of the odds waiver, vehicle cargo liability insurance and other insurances.

Summary. No compensation.

The reason for the fact that the insurance company underwrites the compensation for the original equipment of the vehicle, and the insurance company does not bear the loss for the additional heating equipment or device. The areas of the film include:

Front windshield film, rear windshield film, window film, window film. The functions of the car film are: 1. Heat insulation and sun protection to reduce the temperature in the car; 2. Ultraviolet ore charging line to reduce the aging of automobile interiors; 3. Prevent accidental glass breakage from causing injury to the driver and passengers; 4. Create a private space; 5. Reduce air-conditioning consumption; 6. Increase aesthetics; 7. Anti-glare.

If the car film is scratched, the insurance company will not pay.

Hello, it's a pleasure to serve you! I am engaged in the financial field cautiously professional, here is looking at your problem, the inquiry needs some time, please wait a little don't be in a hurry, thank you.

The reason is: the insurance company underwrites the compensation for the original equipment of the vehicle, and the insurance company does not bear the loss for the increased warm lighting equipment or device. The areas of the film include:

Front windshield film, rear windshield film, window film, window film. The functions of the car film are: 1. Heat insulation and sun protection to reduce the temperature in the car; 2. Ultraviolet ore charging line to reduce the aging of automobile interiors; 3. Prevent accidental glass breakage from causing harm to the driver and passengers; 4. Create a private space; 5. Reduce air-conditioning consumption; 6. Increase aesthetics; 7. Anti-glare.

If the car film is scratched, the insurance company will not pay.

It is understood that many car owners will give their cars a car coat and glass film, but the car film may be scratched in the process of use, affecting the beauty of the car film. So if the car film is scratched, will the insurance company pay for it?

If the car film is scratched, the insurance company will not give any compensation.

Because the car film is not the vehicle itself, it is added by the owner in order to protect the vehicle from damage; Therefore, if it is due to unilateral reasons, the damage to the car film cannot be compensated; However, if the car owner has purchased new equipment insurance, it can be paid by the insurance company.

In addition, if the vehicle is driven by an accident that causes damage to the car film due to a traffic accident, and the other party is determined to be fully responsible, the owner of the vehicle can be compensated by the insurance company; At this time, the owner needs to report the accident in a timely manner, cooperate with the insurance company to do a good job in the assessment of the vehicle, and better protect the legitimate rights and interests of the company, and successfully get their own compensation.

The above is all the content brought to you about whether the insurance company will pay for the car film if it is scratched.

You can take insurance, and you can take insurance in the case of exposed metal, as long as you make a special note when reporting the crime:

1. After the vehicle is slightly scratched, under normal circumstances, the vehicle is scratched is a stool that can be taken insurance, for example, the vehicle is parked in the community and the body paint is scratched by a sharp object, in this case, if the scratch insurance can be claimed, but you have to look at the scratch insurance or the car damage insurance according to the scar situation;

2. If the vehicle is insured with scratch insurance alone, and the vehicle is only scratched by the paint, and there are no potholes, you can take the scratch insurance alone;

3. But you have to ensure that your vehicle can only be insured if you buy scratch insurance and other additional insurance when buying insurance, if you do not buy a separate scratch paint, you can't do insurance, and it is precisely because the scratch insurance belongs to the additional insurance of vehicle loss insurance, so you need to insure the vehicle loss insurance in the case of insurance, you can't buy it alone, and the number of accidents is also recorded in the total number of times you pay in the year;

4. In addition, there are unlimited times in the annual policy of Lianglaling, and the amount of compensation cannot exceed the limit of the insured amount, so if the vehicle is scratched, and the owner does not have scratch insurance, if the vehicle has other scratches, or if the vehicle is scratched and causes the vehicle to be deformed, the surface is uneven, and sheet metal is needed, etc., this is not the scope of the separate scratch insurance claim, and the car damage insurance can be taken, but it should be specifically stated when reporting the case.

Millions of car purchase subsidies.

You can take insurance, and you can take insurance in the case of exposed metal, as long as you make a special note when reporting the crime:

1. After the vehicle is slightly scratched, under normal circumstances, the vehicle can be insured, such as the vehicle parked in the community and scratched by the body paint with a sharp object, in this case, if the scratch insurance can be claimed, but you have to look at the scratch insurance or the car damage insurance according to the scar situation;

2. If the vehicle is separately insured with scratch insurance, and the rough vehicle is only scratched by the paint, and there are no potholes, you can take the scratch insurance alone;

3. But you have to ensure that your vehicle, when buying insurance, you have purchased scratch insurance and other additional insurance, if you do not buy a separate scratch paint, you can't do insurance, and it is precisely because the scratch insurance belongs to the additional insurance of vehicle loss insurance, so you need to insure the vehicle loss insurance in the case of insurance, not separately insured, and the number of accidents is also credited to the total number of times you pay in the current year;

4. In addition, there are unlimited times in the annual policy, and the amount of compensation cannot exceed the limit of the insured amount, so if the vehicle is scratched, and the owner does not have scratch insurance, if the vehicle has other scratches, or if the vehicle is scratched, the vehicle is deformed, the surface is uneven, sheet metal is needed, etc., this is not the scope of the separate scratch insurance claim, you can take the car damage insurance, but you should specifically explain it when reporting the case.