Car modification to change insurance?

The recent hot days, I want to give my car sunroof, Is it right? Belongs to automobile refitting behavior? If I to the insurance company to the insured? A friend said that the installation of roof is not change the performance of vehicle, the insurance company should be a new device to increase the risk of loss. What should I do?

　　
　　The expert replies modified cars need to underwriting
　　
If the owners of the car modification process, replace the engine or chassis parts, directly change the original structure and performance of the car, the first car mainly as soon as possible to the vehicle management departments of the automobile insurance, safety and accident insurance company will check the car then probability, need to adjust the premium rate, and may even be denied insurance.

New equipment is usually increased risk of loss for new owners automotive equipment, due to collision damage, but this kind of equipment does not belong to the insured vehicle factory the equipment, and the owners of these devices increases is to decorate the car, do not change the original structure and performance of the car.

Usually the owner changes the vehicle air conditioning and car CD players, or will the ordinary leather seats replaced leather seats, in order to improve the automobile interior decoration, the owner should for these new replacement of equipment for a new device to increase the risk of loss, or when the car accident caused the equipment damaged, some insurance companies will not claims, some insurance the company is according to the car factory original equipment price to the claims, the owner can only self bear the loss of property.

As for the installation of the sunroof is only need to cover the additional equipment loss insurance, an insurance experts think the insurance company will have different opinions.

Some insurance companies will feel a sunroof, has changed the car outside structure, will have an impact on the overall performance of the automobile, the owner should notify the insurance company of automobile, and the automobile inspection process, the insurance company will according to assess whether premium car modification conditions need to be increased.

While some insurance companies think, affect the overall performance of the car with the sunroof is small, and the skylight price also is evidence for checking, the owner can insure new equipment loss risk, to maximize the protection of their rights of claims.

But the insurance experts say, according to "road traffic safety law" provisions of article sixth, registered motor vehicle in any of the following circumstances, the owner of the vehicle shall apply to the traffic management departments of public security organs of the motor vehicle registration and apply for registration of change: change the motor vehicle body color, the replacement of the engine, the replacement of the body or frame, naturally includes the installation of automobile skylight behavior.

So, Mr. Zhao should install sunroof matters told Automotive management departments, as soon as possible through the annual inspection of motor vehicles, the replacement of the new driving certificate, insurance companies to re evaluate the premiums are rule-based. Indeed, Mr. Zhao will energy and time costs, but its insurance rights and interests can go, get full protection.
　　
　Infer other things from one fact broken skylight, car damage insurance claims
　　
If the car skylight alone rupture, whether to belong to the broken glass separate insurance claims?

The insurance experts say, broken glass separate insurance claims are limited to the automobile front and rear windshield glass and the window glass is alone and broken, it does not assume the sunroof glass and lamp broken glass alone repair costs.

When the automobile sunroof or lamp glass breakage due to collision and alone and broken, the owner can claim to the insurance company according to the settlement terms car damage insurance.

If the windshield glass and the window glass is due to aging and natural glass is broken, the insurance company to verify, breakage of glass is to undertake to replace these glass costs. But if the sunroof glass natural broken, Che Sunxian is not to make claims. Because car caustic danger can only bear the car due to collision and caused by overturning etc. body loss, do not assume the skylight glass for glass broken need repair costs.
　　
　　By analogy with additional insurance claims are not related
　　
If the owners to increase imports of CD vehicle or vehicle air conditioning to the car after car unfortunately, spontaneous combustion, leading to the new increase equipment was destroyed, the insurance company should take the new increase equipment costs of compensation?

The insurance experts say, automobile risk of spontaneous combustion and new equipment increased risk of loss belong to the additional insurance coverage. Additional risk is the main risk claims surface defects and design, but the additional risk is not between the interaction, so when the car spontaneous combustion, the insurance company will according to the risk of spontaneous combustion settlement terms payment vehicle costs, for the newly added equipment were destroyed by the new device to increase the risk of loss to claim, new equipment increased risk of loss it is based on the vehicle damage insurance claims given to claim. Car caustic danger of spontaneous combustion condition of the vehicle does not make adjustments, new equipment increased risk of loss will not claim new equipment due to vehicle self ignition loss.

Similarly, if the car is stolen, the insurance company will according to the settlement terms car pilfer rush to deal with an emergency payment of indemnity, but the car pilfer rush to deal with an emergency and new equipment increased risks belong to the additional insurance, for the newly added auto equipment because the car was stolen caused economic losses, the insurance company is helpless.

In fact, the most obvious example additional risks not claim is non deductible insurance, do not assume the additional insurance deductible franchise, such as when the car spontaneous combustion or stolen and total loss, some insurance companies will franchise settlement clause on risk of spontaneous combustion and pilfer set 20%, non deductible insurance does not play a role.
　　
　　Auto insurance class timely report claims the smooth
　　
In fact, the owner should not only after the accident promptly notify the insurance company claims, in some policy changes and car modification, to quickly inform insurance company, so that we can guarantee the owners claim rights and interests from losses.

When the automobile insurance accident, car owners not only to take timely measures to rescue vehicle and protect the scene reasonably necessary, and notify the insurance company as soon as possible, but not more than 48 hours. Otherwise, as the owner of negligence caused the accident loss could not be determined or expanded sections, the liability for compensation will not bear the insurance company. If the owners feel that the car needs professional help, may also notify the insurance company, ask them to call professional help the car out of the woods.

During the period of insurance, the insurance vehicle modification, installation of equipment, dangerous degree of insurance of vehicles increase, the insured shall immediately notify the insurance company. Otherwise, due to the increased risk to the insurance vehicle insurance accident, the insurance company does not make the claim.

Similarly, when the insured vehicle transfer to others, the original car mainly written notice to the insurance company, and for auto correction procedures, when the vehicle at the time of the accident has not yet completed the original owners correction procedures, insurance liability should not assume insurance company.

After the accident, the owner should gather detailed accident certificate, insurance, list of losses, to the insurance company for claims procedures. Especially when the owners according to relevant laws and regulations to negotiate processing traffic accident, must notify the insurance company immediately, the scene of the accident photographs corresponding and provide assistance to the insurance company, the accident damaged vehicles, verify the accident responsibility, and in accordance with the "Regulations" procedures for handling traffic accidents, traffic accident signed a recording agreement, is convenient for the owner as soon as possible obtaining indemnity.

When the owners to add replacement car CD and car audio, car accessories, also must notify the insurance company as soon as possible, call for new equipment increased risk of loss, the automobile security more comprehensive.
　　
　　Talk about automobile insurance should resist?
　　
Mr. Liu (age 3 years, 1358****391): I personally do not advocate the car. Automobile refit vehicle performance, perhaps it is difficult to stabilize, that cars are not allowed at any time to failure, difficult to control the car owners, and even cause the car crash, implicating other car damaged. In fact, the owner driving should not for personal interest and random refit vehicle performance, which will cause the car trouble probability increases greatly, impact on traffic safety and smoothness. The primary responsibility for all drivers are responsible for traffic safety. Of course, does not affect the car decoration behavior of the basic performance of the car, I recognized.

Mr. Xie (age 6 years, 1391****239): the insurance company should greatly improve the car insurance rates, the use of economic instruments to prevent owners refit vehicle behavior. First of all, modified car changed the original performance, may make the safe driving of the automobile is in an unstable state, car insurance company of this kind of risk coefficient increases to impose high premium, also be perfectly logical and reasonable. Secondly, the insurance company should take into account the traffic safety and the protection of the vital interests of other owners, with high premiums for the refit vehicle behavior to reduce, invisible to reduce the accident rate, the indirect protection to other vehicles were not hit the car, for the maintenance of traffic safety benefit more.

Miss Zhou (age 1 years, 1381****368): in fact, car modification is like the owner of the personal, we have no right to interfere. But the automobile is a systematic work, the first car to the reasonable and legitimate, can not be arbitrarily changed the car performance, to make the car increase in the degree of risk; secondly main timely inform the insurance company car, as soon as possible through the annual inspection of motor vehicles, so that the car can be guaranteed, this is not only the owner of the car is responsible for, is responsible for their own.