the whole car pilfer motor vehicle liability insurance for the whole car was stolen, robbed, vehicle damage was caused in the snatch and theft, robbed, robbed or damaged during car parts, ancillary equipment required to repair the loss of a reasonable fee. Visible, the whole car pilfer motor vehicle liability insurance consists of two parts: one is due to theft, robbed, robbed the loss caused by the insured vehicle; the second is due to the insured vehicle is stolen, robbed, the cost is reasonable cause to snatch expenditure. Responsible for compensation in the amount of insurance on the part of the cost of these two insurance companies.
liable for the entire vehicle insured vehicle is stolen, robbed, robbed losses.
insured vehicle entire vehicle is stolen, robbed, above the county level public security authorities to initiate criminal investigation and verification, No less than three months to identify the whereabouts of the insurance company liable for the entire vehicle is insured vehicle theft, after being robbed or damaged car parts, ancillary equipment required to repair the loss of a reasonable fee.
3,2, how to determine the sum insured
insurance amount agreed upon by you and the insurance company in the real value of the insured vehicle. The actual value is the price minus the amount of depreciation with new car to purchase. For example, Mr. Wang is a new car to purchase 120,000 Jetta cars, driving license for the first time on record as of May 98, 2001 insurance, pilfer insurance amount 120 000 * (1–3-year depreciation rate 20 percentage) = 96000 other insurance coverage or lower than 96,000 of. Note especially if your car is a used car, please insure at the lower of the actual value of the purchase invoice and the amount of compensation can not ensure high so much.
4,3, with regard to insurance claims
(1) Compensation Project: If your car robbery more than three months is not recovered, the amount of insurance carried out within the amount of insurance compensation. If the car was robbery, within three months back, but in the meantime the vehicle is damaged or missing parts, the insurance company liable for repair costs.
(2) the amount of compensation: 80 percentage each accident should compensate for the losses of the total amount of
4, common exclusions:
(1) the insured vehicle was robbery, the lack of which shown to increase the franchise? The insured pilfer lost driving license, the original purchase invoice, vehicle purchase surcharge voucher with every increase of 0.5 absolute percentage deductible. Lost car keys absolute increase of 5 percent deductible. So you try not to separate these items in the car
(2) My car is stolen or fire in the parking lot fee or commercial repair shop, the insurance company liable for it? Because these places responsibility on the vehicle custody, during storage, due to improper care custodian vehicles damaged, lost, the depositary should be liable. The insurance company is not liable for compensation. During the
(3) the vehicle was robbery, the vehicle used by criminals cause a third party insurance company liable for loss occurs it? Provisions, insured vehicle in the entire vehicle is stolen, robbed, robbed during a third party casualties or property damage no matter who is driving the car due to exclusion of liability
(4) My car parts parts were stolen, the insurance company liable for it? Because the entire vehicle pilfer refers stolen or robbed, so for some parts (wheel, antenna, etc.) and additional devices (e.g., audio, etc.) alone stolen, insurance companies do not lose.
(5) creditors my car was stolen, the insurance company liable for it? Not responsible for compensation. Because of provisions: the insured person and others in civil, economic disputes Erzhi vehicle was robbed, stolen for the exclusion of liability.
(6) regained my car, the insurance company how to deal with compensation? After the robbery the insured vehicle recovery, if not indemnity insurer, the vehicle should be returned insured, but during the whole car was robbery, damage to the vehicle or vehicles subject to zeroParts, ancillary equipment needed to repair the loss of reasonable costs, the insurance company liable. If the insurer has paid for, the return of the insured vehicle shall, at the same time recover the corresponding compensation. Insured people do not want to recover the original car, the rights and interests of all vehicles owned by the insurance company.