1
what’s the use?
loss of vehicle insurance vehicle accidents or disasters within the scope of insurance liability, a commercial insurance losses for itself and rescue vehicle expenses for compensation.
2
Cost Calculation
premiums
loss of vehicle insurance calculation: = loss of vehicle insurance premiums based purchase price premium × rate +
= nude car purchase price purchase price + tax
Example: a new car purchase price $ 100,000. Loss of vehicle insurance rates check table, corresponding to substantially 539 yuan premium at a rate of 1.28 percentage loss of vehicle insurance costs: 539 + 100000 × 1.28 = 1819 yuan percentage.
Algorithm Claims
accident compensate for the damage to the actual loss of the vehicle. As first by both sides pay high insurance compensation for the accident, the parties in proportion to the excess of loss insurance compensation for accidents and third party liability vehicle insurance.
3
You know what?
· loss of vehicle insurance is commercial insurance is not compulsory purchase.
· vehicle damageInsurance is only liable for the loss of the vehicle, if the vehicle injuries, loss of vehicle insurance is not responsible for compensation.
· If the purchase did not purchase additional loss of vehicle insurance is not deductible corresponding to the accident, different insurance companies have a certain amount of the deductible in accordance assume responsibility for the accident.
· loss of vehicle insurance is not the vehicle is involved in an accident are all full compensation. If you can not find the persons responsible for the accident, the insurance company only 70 percentage of compensation, an additional 30 percentage of owners own needs.
· After the first time the dangerous condition should be reported to the transport sector and insurance insurance companies to obtain accident Confirmation, waiting for the insurance company personnel to the scene to determine the damage, and then the vehicle maintenance.
· loss of vehicle insurance is only used when the vehicle is involved in an accident on the insured vehicle is this payment, if the multi-vehicle accident or unilateral accident compensation required items, you need to carry out third party liability insurance payment.
· own insurance company for the installation of vehicle parts will not be reimbursed for the original modification accessories car accessories standard payment.
· loss of vehicle insurance for most of the spontaneous combustion hazards liable to pay compensation, but does not include the earthquake and secondary disasters caused by earthquakes.
· broken glass but the vehicle alone, wading loss of engine caused damage recognized as scratches injury will require corresponding insurance insurance, loss of vehicle insurance is not responsible for compensation.
· separate automobile tire damage, loss of vehicle insurance is not responsible for compensation. But the tire burst caused by the collision, rollover and other accidents, resulting in the loss of other parts of the vehicle, the insurance company will pay compensation.
· If the dangerous condition of the vehicle fails to inspection, the presence of the driver drunk driving, driving without a license, vandalism and other acts of the insurance companies are not responsible for compensation.