About ten days ago, Xu Jiang’s Mr. Xu drove his black Buick sedan purchased in 2007 to Jiangxi for a business trip. At 1:50 pm that day, it was at the highest temperature during the day. Mr. Xu’s car was on the local outer ring. Burst spontaneously on the road. In summer, due to the weather, tire burst due to high temperature, spontaneous combustion of the aging lines, and explosives in the car also happen from time to time. But many small problems are often listed as “responsibility exemptions†in the auto insurance clause. Get claims. To this end, auto insurance experts remind the owner that summer should not only pay attention to the maintenance of the car, but also take the initiative to grasp some auto insurance claims skills, do a good job of relevant preventive measures to reduce losses.
Reminder one: Did not buy "Self-ignited insurance" car burned does not pay compensation often check the circuit of the circuit With the increase of high-temperature weather in the summer, auto-ignition accident cases occur from time to time. Statistics show that the age of the vehicle is more than 5 years, and because the line is aging and the summer is hot, the vehicle has a high risk of spontaneous combustion. Many car owners only know after the car is burned into a shell. The car insurance company usually does not pay compensation because it was originally burned as one of the exemption clauses in the car damage insurance clause.
"Non-business unit vehicle damage insurance contains self-ignition insurance, business vehicles and private cars must be kept separately from the burning of additional insurance." Reporter learned from the Suzhou PICC property insurance, for the spontaneous combustion of vehicles, insurance companies generally have a corresponding "Self-burning insurance", private cars need to be purchased in addition to car damage insurance. If the vehicle is not additionally covered by the “self-ignition riskâ€, the owner can only pay for the damage caused by the vehicle’s spontaneous combustion. The staff of the PICC Claims and Compensation Department suggested that private cars over 4 years old should purchase self-ignition insurance to prevent property damage, but the current insurance rate for self-inflation insurance is not high.
It is reported that Spontaneous Combustion Insurance is mainly responsible for compensation for damages caused by the breakdown of vehicles' internal electrical appliances, lines, and fuel supply systems or the fire caused by the cargo itself. In the compensation process, the insurance company has a depreciation rate based on the time the damaged vehicle was purchased. The minimum depreciation rate is 20% of the original vehicle price. That means a car worth 100,000 yuan, no matter how many years it takes, the minimum Pay 20,000 yuan. However, there is a 20% exemption rate for each compensation. In addition, the company has the right to refuse claims for vehicles that have been refitted with oil circuits and circuits. In this regard, to remind the majority of owners, summer owners should promptly check and maintain the flammable parts of the vehicle such as engine, oil circuit, circuit, etc.
Reminder 2: Explosive items cause self-ignition insurance Refusal of small items in the vehicle should be promptly cleaned hot summer, vehicles often exposed to the sun, the owners should pay attention, do not place flammable items in the car. For the damage caused by the explosion of dangerous goods stored in the car, the insurance company will not compensate for the improper handling. Some car owners like to put small things used on weekdays such as lighters, carbonated drinks, perfumes, detergents, and mosquito killers. These items are placed in the car. It does not matter during the cold season. However, in the hot summer, these small objects can easily cause explosions and spontaneous combustion if exposed to prolonged exposure. Even if the glasses are improperly placed, they can easily cause fires. The reporter consulted with a number of insurance companies and learned that, in accordance with the regulations on insurance, the agreement on explosions in vehicle insurance refers to “external sources of explosion†rather than to vehicles. At the same time, in the Treaty on the Spontaneous Combustion of Vehicles, it is also emphasized that the claim conditions are “inside reasons such as vehicle linesâ€. The explosions and fires caused by inflammable dangerous materials such as lighters and car perfumes are not covered by the insurance coverage.
Experts in automobile insurance suggest that it is necessary to clean up small items in the car in the summer. Except for the above-mentioned exclusion liability, if there is no insurance against “glass alone damage insuranceâ€, the glass damage caused by the explosion of the vehicle contents cannot be compensated. In addition, try to park your car in a cool place during hot days to avoid prolonged exposure to the vehicle.
Remind three: tires, steel rings "single damage" does not pay for summer trips often detected tires tire pressure tires burst almost every car owner is worried about the problem. Once a puncture occurs, the consequences are disastrous.
Regarding the tire burst accident, the reporter consulted relevant personnel of the auto insurance company and learned that for the loss of the tire itself caused by the bursting, the insurance company is not compensable. Because of the "single damage" of tires and steel rims caused by punctures, insurance companies generally regard the natural aging of auto parts. The claim conditions of auto insurance for tires must be the damages caused by accidents and other accidents. However, if it is due to a tire burst caused by a traffic accident, causing damage to the vehicle, insurance companies will still claim compensation. Therefore, automobile insurance experts recommend that car owners should detect tire pressure in time during the summer, pay attention to the four-wheel alignment of the vehicle, and do not run too fast during driving to avoid the risk of tire puncture.
Reminder 4: After the vehicle wading restarts, the damage will not start and the sudden thunderstorms will not start again in the summer. So, what clauses in the auto insurance are responsible for paying for flooded vehicles?
In fact, when a vehicle owner insures a vehicle, he or she usually applies for insurance against vehicle damage. As long as the engine is not flooded, it belongs to the vehicle damage insurance coverage. However, if the engine's water is damaged, only the owner who has insured the wading insurance can get compensation. Special attention should be paid here. After the engine is flooded, if the forced ignition of the second time causes the loss to increase, the insurance companies will not lose money. of. However, most owners are not aware of this requirement. Therefore, the owner needs to be reminded that when the vehicle encounters heavy rain and flameout, do not start the vehicle. Instead, try to pull the vehicle out of the stagnant water area and call the insurance company to report the case. The insurance company staff will handle the problem. . At present, many auto insurance companies provide free non-accident road rescue services. If the vehicle fails to operate due to a fault and does not meet the on-site repair conditions, a towing service is required and the rescue company will pull the vehicle to the repair shop. Vehicles cannot start due to lack of battery power and need to provide electricity. A puncture occurs in the vehicle, but the driver will not replace the spare tire and the rescue personnel will replace the spare tire. Therefore, for the car owners, while doing relevant preventive measures to reduce losses, they should also make good use of the value-added services provided by the insurance company, which can save the owner many troubles.
Reminder 5: Auto insurance does not have the concept of “all risksâ€. What kinds of insurance are bought? There are several cars parked on the roadside at night, and people are blinded by the glass. The insurable company refuses to pay compensation because it has not insured “a separate glass breakage insuranceâ€. In similar situations, you may have heard a lot. In the event of such an accident, many car owners would wonder: “I’m going to invest all-insurance, and as long as something goes wrong, insurance companies should all pay for it.†But the truth is that car insurance is not really “all-riskâ€. Concept, each insurance policy is composed of a combination of multiple types of insurance, insurance needs to be based on vehicle conditions and the actual situation of the owner to make specific choices, such as wading insurance and self-ignition insurance, all need to be purchased separately.
The reporter learned that the so-called "all-risk" usually refers to the "advantageous insurance" and "four major commercial insurance" in auto insurance, namely, "the third party liability insurance (for others), the vehicle damage insurance (for compensation of their own use). ), full vehicle robbery, vehicle personnel insurance." In order to make auto insurance rates relatively fair and inexpensive, insurance companies set up many additional risks under the four main insurance policies for consumers to purchase freely. Car damage insurance as an example: glass broken insurance, body scratch insurance, wading insurance, self-ignition insurance, etc. are all additional insurance. If you do not insure additional insurance, the premium will be much cheaper, but in case of a corresponding loss, you can not get paid. Owners can choose to purchase according to their own characteristics, so as to maximize their own savings in premiums.
Reminder one: Did not buy "Self-ignited insurance" car burned does not pay compensation often check the circuit of the circuit With the increase of high-temperature weather in the summer, auto-ignition accident cases occur from time to time. Statistics show that the age of the vehicle is more than 5 years, and because the line is aging and the summer is hot, the vehicle has a high risk of spontaneous combustion. Many car owners only know after the car is burned into a shell. The car insurance company usually does not pay compensation because it was originally burned as one of the exemption clauses in the car damage insurance clause.
"Non-business unit vehicle damage insurance contains self-ignition insurance, business vehicles and private cars must be kept separately from the burning of additional insurance." Reporter learned from the Suzhou PICC property insurance, for the spontaneous combustion of vehicles, insurance companies generally have a corresponding "Self-burning insurance", private cars need to be purchased in addition to car damage insurance. If the vehicle is not additionally covered by the “self-ignition riskâ€, the owner can only pay for the damage caused by the vehicle’s spontaneous combustion. The staff of the PICC Claims and Compensation Department suggested that private cars over 4 years old should purchase self-ignition insurance to prevent property damage, but the current insurance rate for self-inflation insurance is not high.
It is reported that Spontaneous Combustion Insurance is mainly responsible for compensation for damages caused by the breakdown of vehicles' internal electrical appliances, lines, and fuel supply systems or the fire caused by the cargo itself. In the compensation process, the insurance company has a depreciation rate based on the time the damaged vehicle was purchased. The minimum depreciation rate is 20% of the original vehicle price. That means a car worth 100,000 yuan, no matter how many years it takes, the minimum Pay 20,000 yuan. However, there is a 20% exemption rate for each compensation. In addition, the company has the right to refuse claims for vehicles that have been refitted with oil circuits and circuits. In this regard, to remind the majority of owners, summer owners should promptly check and maintain the flammable parts of the vehicle such as engine, oil circuit, circuit, etc.
Reminder 2: Explosive items cause self-ignition insurance Refusal of small items in the vehicle should be promptly cleaned hot summer, vehicles often exposed to the sun, the owners should pay attention, do not place flammable items in the car. For the damage caused by the explosion of dangerous goods stored in the car, the insurance company will not compensate for the improper handling. Some car owners like to put small things used on weekdays such as lighters, carbonated drinks, perfumes, detergents, and mosquito killers. These items are placed in the car. It does not matter during the cold season. However, in the hot summer, these small objects can easily cause explosions and spontaneous combustion if exposed to prolonged exposure. Even if the glasses are improperly placed, they can easily cause fires. The reporter consulted with a number of insurance companies and learned that, in accordance with the regulations on insurance, the agreement on explosions in vehicle insurance refers to “external sources of explosion†rather than to vehicles. At the same time, in the Treaty on the Spontaneous Combustion of Vehicles, it is also emphasized that the claim conditions are “inside reasons such as vehicle linesâ€. The explosions and fires caused by inflammable dangerous materials such as lighters and car perfumes are not covered by the insurance coverage.
Experts in automobile insurance suggest that it is necessary to clean up small items in the car in the summer. Except for the above-mentioned exclusion liability, if there is no insurance against “glass alone damage insuranceâ€, the glass damage caused by the explosion of the vehicle contents cannot be compensated. In addition, try to park your car in a cool place during hot days to avoid prolonged exposure to the vehicle.
Remind three: tires, steel rings "single damage" does not pay for summer trips often detected tires tire pressure tires burst almost every car owner is worried about the problem. Once a puncture occurs, the consequences are disastrous.
Regarding the tire burst accident, the reporter consulted relevant personnel of the auto insurance company and learned that for the loss of the tire itself caused by the bursting, the insurance company is not compensable. Because of the "single damage" of tires and steel rims caused by punctures, insurance companies generally regard the natural aging of auto parts. The claim conditions of auto insurance for tires must be the damages caused by accidents and other accidents. However, if it is due to a tire burst caused by a traffic accident, causing damage to the vehicle, insurance companies will still claim compensation. Therefore, automobile insurance experts recommend that car owners should detect tire pressure in time during the summer, pay attention to the four-wheel alignment of the vehicle, and do not run too fast during driving to avoid the risk of tire puncture.
Reminder 4: After the vehicle wading restarts, the damage will not start and the sudden thunderstorms will not start again in the summer. So, what clauses in the auto insurance are responsible for paying for flooded vehicles?
In fact, when a vehicle owner insures a vehicle, he or she usually applies for insurance against vehicle damage. As long as the engine is not flooded, it belongs to the vehicle damage insurance coverage. However, if the engine's water is damaged, only the owner who has insured the wading insurance can get compensation. Special attention should be paid here. After the engine is flooded, if the forced ignition of the second time causes the loss to increase, the insurance companies will not lose money. of. However, most owners are not aware of this requirement. Therefore, the owner needs to be reminded that when the vehicle encounters heavy rain and flameout, do not start the vehicle. Instead, try to pull the vehicle out of the stagnant water area and call the insurance company to report the case. The insurance company staff will handle the problem. . At present, many auto insurance companies provide free non-accident road rescue services. If the vehicle fails to operate due to a fault and does not meet the on-site repair conditions, a towing service is required and the rescue company will pull the vehicle to the repair shop. Vehicles cannot start due to lack of battery power and need to provide electricity. A puncture occurs in the vehicle, but the driver will not replace the spare tire and the rescue personnel will replace the spare tire. Therefore, for the car owners, while doing relevant preventive measures to reduce losses, they should also make good use of the value-added services provided by the insurance company, which can save the owner many troubles.
Reminder 5: Auto insurance does not have the concept of “all risksâ€. What kinds of insurance are bought? There are several cars parked on the roadside at night, and people are blinded by the glass. The insurable company refuses to pay compensation because it has not insured “a separate glass breakage insuranceâ€. In similar situations, you may have heard a lot. In the event of such an accident, many car owners would wonder: “I’m going to invest all-insurance, and as long as something goes wrong, insurance companies should all pay for it.†But the truth is that car insurance is not really “all-riskâ€. Concept, each insurance policy is composed of a combination of multiple types of insurance, insurance needs to be based on vehicle conditions and the actual situation of the owner to make specific choices, such as wading insurance and self-ignition insurance, all need to be purchased separately.
The reporter learned that the so-called "all-risk" usually refers to the "advantageous insurance" and "four major commercial insurance" in auto insurance, namely, "the third party liability insurance (for others), the vehicle damage insurance (for compensation of their own use). ), full vehicle robbery, vehicle personnel insurance." In order to make auto insurance rates relatively fair and inexpensive, insurance companies set up many additional risks under the four main insurance policies for consumers to purchase freely. Car damage insurance as an example: glass broken insurance, body scratch insurance, wading insurance, self-ignition insurance, etc. are all additional insurance. If you do not insure additional insurance, the premium will be much cheaper, but in case of a corresponding loss, you can not get paid. Owners can choose to purchase according to their own characteristics, so as to maximize their own savings in premiums.
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