Note: The difference between commercial auto insurance and compulsory insurance is that users can choose whether to insure or not. Among them, the important types of insurance include third-party liability insurance and compulsory insurance, and it is also important to exclude deductible insurance as an additional insurance to increase the proportion of compensation. As compensation for the amount of compulsory insurance, if you want to use a low-risk car, you must insure it, and the recommended insurance amount is ≥ 1 10,000; However, the three insurances can only guarantee the other party's compensation. Under the premise that the passive safety protection level of vehicles is high enough, it is very important to protect your own vehicles with car damage insurance.

0 1

Maintenance cost

A car worth 6.5438+10,000 yuan, the overhaul cost can exceed 6.5438+10,000 yuan!

Automobile companies buy a large number of parts to produce vehicles, and their materials, labor and R&D costs can be shared equally. After finding a reasonable stop loss point, you can even sell your car at a loss in the early stage, but you can still make a big profit in the later stage. However, in the field of after-sales machine maintenance, it is not so simple. No matter whether the OEM or parts supplier provides parts, its purchase price will definitely be much higher than that of car companies; At the same time, the labor cost and hardware cost are also quite high, so the maintenance cost of a seriously collided vehicle will be higher than buying a new car!

Embarrassment: If the vehicle meets or approaches the above standards after a serious collision, it is better to buy a new car for maintenance, but the old car is still valuable after maintenance. After all, the new car has to pay all kinds of additional fees, so should we repair it or change it? It seems that no matter which way is adopted, there will be a high cost. At least, the maintenance rate of accident vehicles will be basically zero. At this time, if there is a third-party organization that can help users compensate the car according to the normal evaluation price of the used car, or repair the car, it seems that there will be no such headache-this is the role of car damage insurance.

02

Automobile damage insurance coverage

Liability accident _ car damage

Meteorological reasons _ car damage

Note: Liability accident refers to a "unilateral or multi-party traffic accident" with partial or full responsibility, but the car damage caused by subjective and malicious violation of regulations is not covered; For example, subjective accidents such as drunk driving and serious overloading and speeding, these serious illegal driving behaviors should be borne by themselves. Among the car damage caused by traffic and meteorological conditions, the car damage caused by the earthquake is not covered, which is an "international practice".

If the car is damaged or scrapped due to normal driving, only the car damage insurance can compensate 70% of the cost of maintenance or car payment, and after excluding the deductible insurance, it can compensate 100%. Needless to say, the repair shop can provide complete maintenance records and parts list for normal claims, provided that the charging standard meets the industry average; What needs to be explained is the compensation standard for vehicle scrapping. The appraised vehicle value will be calculated according to the average value of the second-hand appraised price of the same vehicle, and the transaction price will be comprehensively analyzed. Therefore, don't "write an invoice" (tax avoidance) when buying a car.

Meteorological reasons include: flooded vehicles and wading vehicles; Floods, mudslides, hurricanes, hail and so on.

It is conceivable that the traffic and meteorological conditions are within the scope of protection, so in the face of dangerous scenes, I would rather let the vehicle be scrapped than try to rescue the vehicle in danger. There is only one thing to explain about the car damage caused by meteorological reasons: if the engine is turned off when wading, it must not be started repeatedly, because water enters the combustion chamber of the cylinder, which hinders the normal reciprocating motion of the piston. If it is forcibly started after flameout, the starting motor is used to forcibly push the piston through the crankshaft connecting rod; However, water is incompressible for internal combustion engines, and forced pushing is very likely to cause the connecting rod to bend or break due to excessive force! The normal flameout car damage insurance will compensate, but the serious damage caused by repeated start-up can be refused, even if there is water-related insurance.

Summary: Car damage insurance is very important for most cars, because the cost of maintenance is really high. Normal paint surface is damaged in a large area or bumper replacement is one or two thousand yuan or even higher, and the average annual scrapping of car damage insurance is also this standard; Suppose a car is ready to use 10 years. Even if there is a serious collision ten years later, its maintenance cost will exceed the cost of ten-year car damage insurance. Should I be insured?