Interpretation of automobile insurance clauses

Auto insurance is divided into basic insurance and additional insurance two kinds. There are 4 kinds of basic insurance, including the third party liability insurance, the vehicle damage insurance, car personnel liability insurance and compulsory liability insurance (hereinafter referred to as cross strong insurance); and additional risks generally has 23 kinds, but we usually use and often the insurances include whole vehicle pilfer, no fault liability, scratch., breakage of glass, the vehicle to stop loss insurance, auto-ignite loss insurance, new equipment loss insurance and non deductible special risks.

Some friends in the insurance will have doubt, since CDW can compensate for the vehicle damage repair costs, then scratches risks stem what? Here it is necessary to say the difference is the car insurance and scratch insurance claims category, risk of Nick is body scratch loss no collision traces. For example, such as the car was a child with a key to cut flowers the paint, such scars can scratch insurance claims. While claims category car caustic danger is the vehicle collision obvious dents or cannot use the claim, saying simply is if your car to cut the lead to the body wall dents, this car caustic danger comes in handy. Here remind everybody, the premise is must to insure against risk of Nick car caustic danger.

It should be noted that, scratch risk is underwriting amount, usually 2000 yuan, 5000 yuan, 10000 yuan and 20000 yuan. If you buy 2000 yuan compensation for risk of Nick, during the period of this insurance, the insurance can get you scratch the claim amount is 1400 yuan -1700 yuan, because the scratch is often third not found ", so in accordance with the relevant provisions of 15% ~ 30% deductible, but if you also purchase a franchise risks the risk of Nick non can be full compensation.

After a lot of my friend will give his car on a film, here need to remind you is, if your vehicle glass damaged and through the glass breakage to claim, the insurance company is not liable for the loss of your film. If you and the other is the car accident caused the glass membrane damage, the insurance company may, according to the compulsory insurance on the 2000 yuan car damage compensation standard car glass film your expenses.

I believe a lot of friends with cars some responsibility for the cross strong insurance and third party insurance have a lot of questions, because cross strong insurance and third party liability insurance in the claims process and project has intersection, then why should also buy compulsory insurance and third party liability insurance? In fact, cross strong insurance and third party liability insurance is essentially different from.

The third party liability insurance is taken by the insurance company according to the ratio of accident liability of the Insured undertakes in traffic accidents to determine the amount of compensation, and the compulsory insurance is the implementation of the "principle of no fault liability", namely, whether the insured was responsible in the traffic accident, the insurance company will in turn insurance 122000 yuan of limitation of liability for compensation within.

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The third party liability insurance provided more exempt from liability issues and franchise, and the compulsory liability insurance covering almost all road traffic risk, and do not set a franchise and deductible. In addition, cross strong insurance and third party liability insurance in the accident and loss.