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What is auto insurance body scratches loss insurance?

1

What is the use

body scratches loss insurance is the insurance company liable vehicle is involved in no obvious traces of collision of paint scratches a separate commercial insurance additional risk.

2

Cost Calculation

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premiums

· scratches insurance no specific formula, which insured price variety of choice, and the price of the premium based on the selected vehicle insurance amount to decide.

claims algorithm

· scratches insurance not report the number, but the actual payment of the cumulative cost of repairs, the insurance period, total compensation amounted to the sum insured , until terminated. For example scratches insurance insured amount is 2,000 yuan, an unlimited number of dangerous condition, but the total amount of compensation can not exceed 2,000 yuan, more than 2000 yuan insurance contract is automatically terminated.

3

Did you know?

· scratches insurance is commercial insurance additional insurance, insured loss of vehicle insurance in order to purchase a vehicle.

· Only non-domestic vehicles and commercial vehicles before insurance scratches insurance.

· scratches insuranceOnly generally only within three to five years before a new car purchase.

· This insurance also has a corresponding additional insurance is not deductible, there will be 15 percentage fee if you do not need to own the dangerous condition of the insured.

· scratches insurance only insured limit, no limit number of dangerous condition, but will affect the premium factor next year.

· scratches insurance claims range just scratch the paint of the body surface, so if the body has a recess or traces of collision, it can not be used to scratches insurance claims.

· due to bad weather or damage caused by corrosion paint, scratches insurance claims do not belong to the range.

· Some minor scratches can be solved by means of a vehicle beauty, does not have to use scratches insurance.

4

insurance claims tips

If you often outdoors open-air parking and no private parking space, or poor peripheral security environment, it is recommended to consider buying, the occurrence probability of the vehicle is classified under this scenario usually higher. Scratches insurance generally does not require on-site report, it recommended that once the dangerous condition of the body can be treated with multiple scratches, avoid multiple report results in the following year the premium coefficient increases.

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