In addition to car damage insurance, it is especially important to insure glass insurance separately.
[China Glass Network] Two days ago, Nanjing, Zhongshan and other regions were hailed by the influence of strong convective weather. Many cars parked outdoors were stabbed to varying degrees by hail, and some vehicles were even blocked by windshield. The hail came out of the hole.
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In the face of such a sudden natural disaster, whether the car can be compensated by the insurance company after being damaged to a certain extent is one of the topics that many car owners pay attention to. To this end, our reporter consulted a number of insurance companies in Hangzhou, the relevant person in charge said that if the vehicle purchased a car damage insurance, glass alone breakage insurance and other types of insurance, you can get when the vehicle is damaged by non-human accidents Insurance pays, but if the vehicle is only damaged by the glass, and the owner does not insure the glass insurance, then the corresponding compensation cannot be obtained.
Being hailed to distinguish between damage to the entire vehicle or damage to the glass alone
"If the whole car is damaged, as long as the car damage insurance and the additional exemption are paid, the corresponding compensation can be obtained; if only the glass is damaged, it is necessary to purchase the glass alone to be compensated, and not all vehicles are affected by natural disasters. The compensation can be obtained. The person in charge of several insurance companies in Hangzhou said that the car damage insurance is not multifunctional. According to the regulations of various insurance companies, there are many differences. For example, if the car is damaged by hail, part of the car body can be damaged. Partly, but if the windshield is broken, it may be necessary to take the car glass alone.
It is understood that vehicle claims are divided into three situations: First, car damage insurance includes losses caused by natural disasters. Car damage insurance mainly refers to body steel plates, headlights, etc. If it is damaged by hail, the insurance company will make claims according to the rules; secondly, If the body and the window glass are smashed together, both insurance companies will pay for the claim. There is also a third case where the hail is just smashing the window glass. It depends on whether the owner has insured the “glass breakage insuranceâ€. If not, the insurance company will not pay compensation. This is because "glass alone breaks the risk", it is a separate insurance and needs to be separately insured.
Long-term parking vehicles are advised to purchase water and scratch insurance
"In addition to the hail, vehicles damaged by natural disasters such as heavy rain, typhoons, typhoons, etc. can also be compensated by car damage insurance." The relevant personnel of the PICC said that in the case of accidental high-altitude falling objects, it is first necessary to determine whether it is a behavior of others. resulting in. If it is caused by a third party, it is recommended to find the infringer or responsible party to claim first. If it fails, it will make a claim to the insurance company through car damage insurance or glass insurance, but it must be deducted with a certain percentage of deductible, and will affect the next year's insurance. Rate discount.
According to industry insiders, car owners who have parked in open spaces for a long time are better able to purchase scratch insurance, engine loss insurance, self-inflammable insurance and on-board baggage insurance to protect their cars. The on-board baggage insurance can be used for natural disasters, accidents and Lost, robbery, and looting accidents caused loss of on-board baggage items (including portable, digital cameras, glass film, etc.), while engine loss insurance and self-ignition insurance will shift the risk of vehicle damage caused by the changing summer weather.
Of course, in addition to insuring the corresponding types of insurance, when the typhoon, heavy rain and other bad weather are frequent in summer, the doors and windows should be closed when leaving the car, and the outdoor items susceptible to hail and winds should be properly placed, such as the car is better parked in the garage. Avoid stopping in isolated shacks, guard posts, telephone poles, etc.