Is Scratch Insurance Worth Buying?

For most of the insurance types of cars, we will say: buy a picture of peace, but hope you can't use it, but there is one insurance that is a little special, that is, scratch insurance. After all, there are still many brothers in the society who owe money, and they think that you have a car is the original sin; of course, in addition to walking in the rivers and lakes, the wind and the sun, it is inevitable to leave some traces on the body of the car unintentionally. So today, we will talk about some common questions about whether scratch insurance needs to be applied, how to settle claims, and the impact on the next year's premium.

● What is scratch insurance?

    Scratch insurance is called body scratch loss insurance, which is actually an additional type of car damage insurance, that is to say, vehicles insured with car damage insurance can be insured with scratch insurance. The official definition of the protection liability is "the malicious behavior of others that causes artificial scratches on the body of the insured vehicle".

    Since the vehicle scratch insurance has the characteristics of "paying the scene" and "no need to give a scratch reason", the loss rate is generally between 200% and 300%, so this may be the most likely to be "worth the fare" of the insurance, almost can be said to be a brainless recommended purchase. Scratch insurance is also insured according to the amount of compensation, divided into 2000 yuan, 5000 yuan, 10000 yuan, 20000 yuan four gears, the payment standard is according to the service life (generally divided into less than two years and more than two years of car) and the purchase price of the new car (generally according to 0-300,000, 300,000-500,000, 500,000 +) to decide together, for the general family car is a few hundred dollars.

● Insurance process

    The insurance process of scratch insurance is similar to other types of insurance, if it is a unilateral accident, it is to call the insurance company to report the case, investigate, determine the loss and then repair the car; if there is a multi-party accident, call the insurance company to report the case / report to the traffic police, inspection, damage determination, and repair.

    It should be noted that scratch insurance is a cumulative compensation, for example, if the insured scratch insurance is 2000 yuan, the number of insurance is unlimited, but the cumulative amount of compensation can not exceed 2000 yuan, more than 2000 yuan Insurance contract will be automatically terminated. In particular, it should be noted that the coverage of scratch insurance is the external cover of the body, and the rim scratch is not covered by the claim. In addition, many insurance companies have set a deductible for scratch insurance, and the absolute deductible rate is generally 15%.

● What cases are not covered by scratch insurance

◆ There is a dispute with the scratch regardless of compensation

    If there are any economic disputes, debts, civil disputes, etc., resulting in retaliatory rowing, as long as it is confirmed by the insurance company, it will be refused compensation, and the children of relatives do not understand how to scratch their own vehicles, and the scratch insurance in these cases is also not paid.

◆ Privately regardless of compensation

    For scratch accidents in which the "responsible party" is caught, if the choice is private, the two parties can reach an agreement, but if the party involved in the accident has no ability to compensate or does not cooperate, the insurance company will first pay the owner through the owner's scratch insurance (if it has been insured), and then perform subrogation on the party responsible, and the recovered benefits will belong to the insurance company. If you choose to report the insurance, you will have to prove to the insurance company that you have not received private compensation.

◆ Splash paint / natural corrosion regardless of compensation

    For car paint damage caused by being splashed with paint, bird droppings falling on the surface of the car paint to corrode the vehicle, paint has naturally corroded, and paint damage caused by weather reasons, these cases scratch insurance is also unrecovered.

● Whether the reporting of scratch insurance will affect the second year's premium

    Although scratch insurance is an additional insurance, but also counted as the number of insurance, as long as it is an insurance report and the insurance company files a case to pay, reaching a certain number of times or the amount of the claim will affect the second year's premium, and theoretically, multiple scratches left at different points in time can not be combined to report and repair.

● Full text summary

    In addition to the types of insurance that we regularly must buy, other types of insurance I really dare not recommend at will, making me like an insurance salesman, but scratch insurance is an exception, you can recommend it with a real name. After all, walking the rivers and lakes, the body inevitably leaves some traces, although the original paint is the most valuable when selling second-hand cars, but sometimes more scratches do hinder the view, if a little obsessive-compulsive or care about beauty, the insured scratch insurance can basically be worth the fare.