Vehicle loss insurance is a major insurance purchased by a car purchaser and is a basic guarantee in addition to car emergency. So what does this insurance cover? What are its main roles and the scope of claims? Let's take a look at the specific introduction to the related issues of vehicle loss insurance.
First, from the perspective of the content of insurance. Loss of vehicles insurance is mainly responsible for compensation for damage caused to the vehicle due to natural disasters or accidents. Specifically, it is because of man-made reasons or because of natural causes that caused damage to the vehicle, so that this insurance can be used to obtain compensation. The factors that can be prevented from the purchase of vehicle damage insurance include factors such as accidentally hitting other people's vehicles, or hitting objects such as barriers, and then causing damage to your own vehicle to obtain compensation. The natural conditions in which vehicle damage insurance can be prevented are mainly caused by various natural disasters such as landslides and floods, earthquakes, and heavy rainfall. In addition, the owner can buy these types of insurance before he can buy a vehicle damage insurance: self-burning, scratch insurance, and glass insurance.
Second, from the perspective of insurance liability. If it is a new car to purchase this insurance, the effective time of the insurance is obtained from the license plate of the vehicle after the completion of the license plate procedure. It does not take effect until insurance is issued. The purchase of this insurance is only for the two owners of the car, is to insure the vehicle itself, if there is no stomach to buy the car's own insurance, then the vehicle maintenance costs after the collision need the owner to come out. This insurance covers a wide range of areas. It is recommended that all vehicle owners should apply this insurance for their own vehicles. Loss of vehicles insurance is based on the responsibility of the accident to implement the corresponding deductible rate, the general rule is that the owner is fully responsible for the deductibility of 15%, the main responsibility is to pay a deductible of 10%, 8% of the equivalent liability to be deductible, secondary liability exemption Pay 5%. If there should be a third party to be responsible and a third party cannot find it, then this can be a 30% deductible.
Third, look at the amount of insurance. There are usually two ways to purchase this insurance. The first is to insure the purchase price of the new car as the insured amount, and the second is to apply for the insufficiency of insurance, that is, the insured amount can not be less than 20% of the purchase price of the new car for insurance. Both of these methods can provide insurance for the vehicle. The difference is that the loss is incurred after the insufficiency of insurance. The amount of the compensation is paid in accordance with the ratio of the insured amount to the purchase price of the new vehicle. The owner can choose the corresponding insurance method according to his own situation.
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