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What is auto insurance spontaneous loss of insurance?

1

what’s the use?

is a risk of spontaneous combustion due to loss of electrical, lines, fuel lines, fuel supply system, gas supply system, payment of goods vehicles own problems, the automobile operating friction fire caused by fire, resulting in insurance losses and insurance costs of rescue vehicles.

2

Cost Calculation

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premiums

= age of the vehicle insurance premiums spontaneous combustion rate × car damage insurance amount

Example: a family car old on 2-year, $ 10 million. Its rate is 0.18 percentage age of the vehicle, car damage insurance of $ 100,000. Then the percentage of spontaneous combustion insurance premium = 0.18 × 10 = 180 million dollars.

Note: Rates in local insurance companies insured shall prevail.

claims algorithm

in the amount stated in the insurance policy, the insured vehicle is calculated according to the actual loss compensation. If the vehicle is not repaired sense, the insurance company will press a total loss, this time to be the time to buy a vehicle according to the depreciation rate of $ 66 per month to calculate the final payment amount.

3

Did you know?

· spontaneous combustion risk is additional insurance commercial vehicle insurance, you need to insure car damage before they can buy.

· insured when the insured did not correspond to spontaneous combustion risk is not deductible, so the accident, the insurance company will be 20 percent deductible, the owner needs themselves.

· spontaneous combustion risk only for compensation for loss of self-ignition of the vehicle, the vehicle does not include the loss of personnel and goods.

· Only because of their own problems to spontaneous combustion vehicle insurance paid by spontaneous combustion, burned in the fire by car damage insurance required payment.

· due to unauthorized alterations, installation of electrical equipment and safe operation or in violation of spontaneous combustion caused by the insurance company is not responsible for compensation.

If only cause spontaneous combustion appliances, wiring, fuel lines, fuel supply system, gas supply system losses, and is not responsible for compensation.

4

Techniques insurance claims

General Use life is longer, the probability of long-haul carriers, and poor maintenance of vehicles to spontaneous combustion in the summer is relatively large, it is recommended to consider spontaneous combustion risk insurance.

5

Further Reading [123 ]

relatively high temperature in summer, the season of the vehicle is high spontaneous combustion. Pay attention to the car dangerous goods, such as perfumes, lighters, air fresheners and other susceptible to thermal expansion and potentially explosive stuff try not occur on the car. Auto ignition generally have a process. And other wire burning smell or the smell of gasoline may occur at the beginning. If the hairNow a similar situation, should be timely check flameout. Preferably the vehicle is equipped with a fire extinguisher, a rainy day.

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