Self-damage auto insurance is a kind of auto insurance product, which mainly guarantees that the owner can obtain financial compensation when the vehicle is damaged by his own fault. This article will introduce the relevant knowledge of the damaged car insurance from the aspects of insurance liability, insurance amount, insurance deductible and insurance services.
Insurance liability
The insurance liability of self-damaged car insurance is mainly to ensure that the owner can obtain financial compensation when the vehicle is damaged by his own fault. Specifically, insurance coverage includes insurance against damage to the vehicle and liability of the occupants of the vehicle.
Vehicle damage insurance: The main protection of the owner in their own fault caused by vehicle damage can obtain financial compensation.
Vehicle personnel liability insurance: The main protection of the owner in their own fault caused by injury or death of the vehicle can obtain financial compensation.
Amount insured
The insurance amount of the damaged car insurance can be adjusted according to the actual situation of the owner and the insurance needs. In general, the amount of insurance should be sufficient to cover the full cost of damage to the vehicle.
Insurance deductible
The insurance deductible for self-damaged car insurance can be adjusted according to the actual situation and insurance needs of the owner. Insurance deductible refers to the part of the cost that the owner needs to bear when the insurance claim is settled. Generally speaking, the higher the insurance deductible, the lower the insurance cost.
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Insurance service
The insurance services of the damaged car insurance include
- claims service
- customer service
- emergency rescue service
Insurance companies will provide professional claims services for owners to help owners get financial compensation as soon as possible.
The pros and cons of your own damaged car insurance
1. Their own damaged car insurance can provide comprehensive insurance protection for the owner, to protect the owner in their own fault caused by vehicle damage can obtain financial compensation.
2. The insurance cost of damaged car insurance is relatively high, and the owner needs to choose according to his actual situation and insurance needs.
3. Your own damaged car insurance can save time and effort for the owner and does not need to make multiple claims.
4, their own damaged car insurance requires the owner to bear a certain insurance deductible, if the insurance deductible is too high, the owner needs to bear more costs.
How to choose my own damaged car insurance
When choosing their own damaged car insurance, owners need to consider factors such as insurance liability, insurance amount, insurance deductible and insurance services. Specifically, the owner can take the following measures:
1. Compare the damaged auto insurance products and prices of different insurance companies, and choose the insurance products that are suitable for you.
2. According to their own vehicle value and insurance needs, choose the appropriate insurance amount and insurance deductible.
3. Choose an insurance company with a good reputation and quality service to ensure that you can get timely and professional help in insurance claims.
4. Pay attention to insurance terms and insurance liability and other relevant information, so that you can get timely and professional help in insurance claims.
Conclusion
Self-damage auto insurance is a kind of auto insurance product that guarantees the car owner can get financial compensation if the vehicle is damaged by his own fault. When choosing their own damaged car insurance, owners need to consider factors such as insurance liability, insurance amount, insurance deductible and insurance services, and pay attention to insurance terms and insurance liability and other relevant information.
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