With the continuous increase of car ownership, car insurance has become an indispensable part of People’s Daily life. When choosing car insurance, car owners usually focus on the issue of complete car insurance. This article will introduce in detail the definition of complete auto insurance, insurance liability, claims process and how to choose a complete auto insurance that suits you.
Complete definition of auto insurance
Complete automobile insurance refers to an insurance product in which the owner chooses a combination of insurance types when purchasing commercial insurance, and all the losses of the vehicle in the occurrence of traffic accidents, natural disasters, robbery and other risks are included in the insurance coverage. Complete auto insurance is a comprehensive insurance in commercial insurance, owners can choose according to their actual situation and insurance needs.
Insurance liability
The insurance liability of complete automobile insurance mainly includes the following aspects:
1. Traffic accident liability insurance: Compensation for third party property losses and personal injuries caused by vehicles in the event of traffic accidents.
2. Vehicle damage insurance: Compensation for the loss of vehicles in traffic accidents, natural disasters, robbery and other risks.
3. Third party liability insurance: Compensation for property losses and personal injuries caused by the third party in the event of a traffic accident.
4. Excluding deductible insurance: Compensation for the loss of the vehicle in the event of a traffic accident due to the deductible and cannot be fully compensated.
5. Glass breakage risk: Compensation for the loss of glass breakage of the vehicle.
6. Spontaneous combustion damage insurance: Compensation for the loss of the vehicle in the event of spontaneous combustion.
7. Theft insurance: Compensation for the loss of the vehicle in the event of theft.
Claim settlement process
1. Report: After an accident, the owner should report to the insurance company in time and provide relevant supporting materials.
2. Claim audit: The insurance company will review the reported information provided by the owner, including the location of the accident, the accident process, the accident liability and so on.
3. On-site investigation: The insurance company will send professional claims adjuster to the scene of the accident to investigate and assess the vehicle damage.
4. Claim negotiation: The insurance company will negotiate with the owner of the claim to agree on the amount of compensation and the method of compensation.
5. Compensation payment: The insurance company will pay the compensation to the owner according to the claim settlement agreement, and the owner can repair or replace the vehicle.
How to choose the right car insurance for you
1. Choose the insurance amount according to the value of the vehicle: The owner can choose the insurance amount suitable for him according to the value of his vehicle. The higher the value of the vehicle, the higher the insurance amount should be.
2. Compare the insurance costs and service quality of different insurance companies: When choosing an insurance company, the owner should compare the insurance costs and service quality of different insurance companies. Choose an insurance company with a good reputation and good service, you can get more favorable insurance fees and better claims settlement services.
3. Pay attention to insurance terms and insurance liability: When choosing a complete auto insurance, owners should pay attention to insurance terms and insurance liability and other relevant information, so that they can get timely and professional help in insurance claims.
4. Consider buying preferential packages: Some insurance companies will launch some preferential packages, including a number of insurance combinations, insurance annual fee discounts, etc., owners can consider buying these preferential packages to reduce insurance costs.
Conclusion
Complete automobile insurance refers to an insurance product in which the owner chooses a combination of insurance types when purchasing commercial insurance, and all the losses of the vehicle in the occurrence of traffic accidents, natural disasters, robbery and other risks are included in the insurance coverage. When choosing a complete auto insurance that suits you, you can consider factors such as vehicle value, comparing insurance costs and service quality of different insurance companies, and paying attention to insurance terms and insurance liability. Therefore, when buying auto insurance, car owners should choose the type and amount of insurance suitable for themselves according to their actual situation and insurance needs, and pay attention to relevant information such as insurance liability and insurance terms, so that they can get timely and professional help in insurance claims
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