How to compensate for scratch insurance
In recent years, with the increase in car ownership, the problem of vehicle scratches has attracted more and more attention from car owners. As an additional type of auto insurance, scratch insurance can provide car owners with certain protection. This article will introduce in detail the compensation process, precautions for scratch insurance, as well as hot topics and hot contents throughout the network for the past 10 days, helping car owners better understand the compensation mechanism of scratch insurance.
1. Definition and coverage of scratch hazard
The full name of scratch insurance is "car body scratch loss insurance". It is an additional type of car insurance, which mainly protects the scratch loss caused by other people's malicious behavior or accidents. Scratch insurance is usually not included in the basic insurance and requires additional purchase by the owner.
| Scratch hazard coverage | Not covered |
|---|---|
| Others maliciously scratched | Scratches caused by natural disasters |
| Scratched by other vehicles while parking | The owner's own intentional behavior |
| Unexplained scratches | Damage caused by vehicle collision |
2. Compensation process for scratch insurance
The compensation process for scratch insurance usually includes the following steps:
1.Report a case: After the car owner finds scratches in the vehicle, he/she should report the case to the insurance company in time and provide relevant evidence (such as photos, videos, etc.).
2.Determination loss: The insurance company sends personnel to conduct on-site inspections or requires the owner to send the vehicle to a designated repair point to determine damage.
3.repair: Car owners can choose the repair point cooperated by the insurance company or choose the repair point for repair.
4.Claims: After the repair is completed, the car owner will submit a repair invoice and related materials, and the insurance company will make compensation after review.
| step | Required materials | Time requirements |
|---|---|---|
| Report a case | Vehicle driving license, driver's license, insurance policy | Within 48 hours |
| Determination loss | Live photos and videos | Within 3 working days |
| repair | Repair list | Depends on maintenance |
| Claims | Repair invoice, policy copy | Within 7 working days |
3. Things to note when paying for scratch insurance
1.Deductible: Some insurance companies have deductibles, that is, the losses are less than a certain amount and the car owner must bear the compensation.
2.Number of claims: Scratch insurance usually has an annual claim limit, and the repair costs must be borne by yourself after the number exceeds the number.
3.Repair point selection: Some insurance companies require car owners to repair at their cooperative repair points, otherwise it may affect the compensation amount.
4.Report time limit: Exceeding the time limit for reporting may lead to the insurance company refusing to pay compensation, and the car owner needs to report the case in a timely manner.
4. Hot topics and hot content on the entire network in the past 10 days
The following are hot topics and hot content related to scratch insurance in the past 10 days:
| Hot Topics | Hot content | Attention |
|---|---|---|
| Is the scratch insurance worth buying | Discuss the cost-effectiveness and applicable scenarios of scratch insurance | high |
| Scratch insurance claims dispute | Dispute cases arising from scratch insurance claims between car owners and insurance companies | middle |
| New energy vehicle scratch insurance | Do new energy vehicles need scratch insurance protection more? | high |
| New Scratch Insurance Policy | Scratch insurance premium adjustment and policy changes in some areas | middle |
5. Summary
As an additional type of insurance, scratch insurance can provide car owners with certain protection, but car owners need to know in detail its coverage, compensation process and precautions before purchasing. At the same time, paying attention to popular topics and hot content across the network will help car owners better understand the practical application scenarios of scratch hazard. I hope this article can help car owners better utilize scratch risk and reduce the economic losses caused by vehicle scratches.
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