The vehicle damage insurance, is to the vehicle itself as the object of insurance insurance.

   As the insured vehicle insurance customer, you are most concerned about is perhaps appear what kind of situation, the insurance company should be responsible for compensation for the losses. This is called the insurance liability in the insurance terms.

   When people buy the family car (non unit car) any of the following circumstances, the insurance company responsible for compensation liability:
(a) the insured or allow qualified driver in the use of vehicle insurance process, due to the following reasons caused the loss of vehicle insurance, the insurer is responsible for compensation:
1 collision, overturning;
2 fire, explosion;
3 external objects collapse, air operations object crashes, insurance vehicle parallel fall;
4 lightning, storm, rainstorm, flood, tornado, tsunami, cave, ice fall, cliff collapse, debris flow, landslide, avalanche, hail;
The 5 carriage insurance car ferry from natural disasters (limited to the driver vehicle caregivers).
(two) when insurance accident happens, the insured or the allow qualified drivers to take reasonable costs of rescue, protection measures for vehicle insurance expenditure, the insurer is responsible for compensation. But the maximum amount of compensation for the expenses to the insured amount (i.e. vehicle insurance companies is the highest car value).

    Matters needing attention:

   1, the family car and car, in the vehicle damage insurance liability insurance, there is a little difference, is the responsibility of the vehicle ignition. Family car if you are worried about the vehicle ignition loss, the need for a separate cover additional risk of spontaneous combustion; and spontaneous combustion unit responsible car is included in the vehicle damage insurance liability insurance, no other;

   2, vehicle small cut small rub, causing skin falls, Che Sunxian generally is not responsible for the accident, is responsible for additional scratch vehicle insurance. So, if you don't have insurance risk of Nick, small scrape only their own.

   Another customer care most about is what reason, vehicle caused by the loss, the insurance company is not liable for any loss. Is the insurance terms except responsibility or liability exemption.
Exemption from liability in the vehicle damage insurance clause occupy a lot of space. Not one one answer. That was to say:

   1, the earthquake;

   2, illegal losses (such as participation in illegal activities, drunk driving, driving without a license and etc.);

   3, additional risks alone accept insurance liability (such as broken glass, spontaneous combustion, no collision traces of scratches etc.);

   For details on the liability exemption, suggest the customers or to the insurance company for a clause to read. But, then again, everyone is so busy now, after coming home, even watch TV all the time very few, it had time to look at this and mumbo-jumbo similar insurance clauses. So, I think there should be a trusted insurance customer representative, as long as you remember his telephone number on it. Although asked him do not understand something, do not save you a lot of time and effort?