The vehicle damage insurance is the insurance the most extensive use of vehicle insurance. Whether it is a small scrape, or seriously damaged, can be determined by the insurance company to pay for the accident repair costs, plays an important role in maintaining the interests of owners. It is responsible for the damages caused by natural disasters and accidentsInsureThe vehicle itself loss.

Single burst loss

Many consumers will findAutomobile insuranceGenerally there are several cases without compensation, single burst loss compensation is one of the most common occurrence. Implementation of personalized new clauses on insurance companies, damage will not occur in other parts of the vehicle, only individual wheel damage added to the deductible clause, and the establishment of additional risks related to complement. If due to tire burst collision, rollover and other serious accidents, causing other parts of vehicle loss, insurance companies are still responsible for compensation, but deduct tire due to natural wear customer cost. This is because the tire is vulnerable consumable accessories. If it is just a tire burst alone, without causing a traffic accident, the tire loss, the insurance company belongs to the exemption project.

The car stolen goods non coverage

Xiao Zhao noon eat out, wait to have dined and wined to satiety walked back to his car, he was surprised to see that windows smashed his car, computer has take wings to itself. Xiao Zhao thought insured Daoqiang Xian, and call the insurance company telephone. However, the insurance company has told: in accordance with the terms of insurance, insurance companies can not claim. Xiao Zhao very puzzled, claims personnel of the insurance company said: "the so-called pilfer, namely the vehicle car theft insurance. This kind of insurance the insured object is stolen, robbed vehicles car loss, single parts and car loss is the exception responsibility." Therefore, even small Zhao insured Daoqiang Xian, but the computer is missing or is unable to receive compensation from the insurance company.

Parts stolen losses as the exemption

Who Fuzhou Mr calls, said the day before yesterday evening he parked downstairs in the car, the thief the door broken, the car can not be normal use. After the incident, Mr. Wang will dial the telephone and 110 insurance companies reported. However, the Claims Officer to survey told: "the door and lock losses cannot be compensated by the insurance company, shall bear." Mr. Wang is puzzled, they spend a lot of money to buy pilfer rush to deal with an emergency, the car was robber prying, why not to claim?

The claims officer said: "because of pilfer name is motor vehicle whole vehicle pilfer, 'car' is a very important concept, only when the whole car thefts and robberies occurred after the establishment of compensation, to car damage, if the vehicle is not stolen, just the door and other parts by the thieves destroy or individual components, such as tires stolen by pilfer, terms, the stolen vehicle parts does not belong to the scope of insurance liability, so Mr. Wang even if the insured Daoqiang Xian, still unable to get insurance company claims."

Two schemes to save the theft loss

Xiao Zhao and Mr. Wang encountered situation is relatively common, peaceAutomobile insuranceProvides two kinds of reference solution to the owners. First of all, the owner should take the car stopped at the hotel or property designated parking garage or parking fees, so once the damage occurs, the owner may file a civil compensation to the hotel or property; secondly, the owner may apply to their own insurance company advisory additional clauses, according to individual demand risk, adding additional risks, upgrade the existing insurance the risk, included in the scope of protection, can reasonably claim to.

In addition, the owner of the system to the parking lot to strictly abide by relevant, must conscientiously fulfill the duty of care, such as carrying a parking card, lock the doors, parking card and keys may not be lent to others. Don't assume that vehicles parked in the parking lot on the Pepsi free, if their vehicle theft has fault, it shall bear the corresponding liability. The more you can click to enter the auto calculation method:Http://www.xyz.cn/mall/chexian/