At this time, the insurance companies say that the insurance will not pay for this or that. In fact, as long as we understand and use insurance, insurance is our risk transfer tool. Let’s talk about whether the insurance company can pay for the car that was damaged by hail. Whether the car owner can be compensated depends on whether the car owner bought car damage insurance when buying insurance. If he bought it, he can report the case for compensation. If he didn't buy it, sorry, he can't compensate. Let's popularize car insurance first. Auto insurance includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance, as the name suggests, is mandatory by the state. It is illegal not to buy it, but you must buy it. The specific protection of this insurance is to protect the other party’s people and property, not your own car and people. Again, it’s the other party! Secondly, commercial insurance is a voluntary purchase by the car owner. It also protects the other party, not his own car and people. Commercial insurance covers a lot of things, including car damage insurance, which is the only one that protects you from the loss of your car. Before the reform of 2020.9.19, glass insurance, spontaneous combustion insurance, water-related insurance, total vehicle theft insurance, etc. in car damage insurance needed to be purchased separately. After September 19, they will no longer be needed, and they will all be covered by car damage. As long as it is within the scope of the car owner's responsibility, compensation can be paid. Then there is the seat insurance, which covers the value of the driver and passengers in the car and accidental medical expenses. Then there is the non-deductible and absolute deductible. Nowadays, it is generally purchased directly without the deductible. Now let's talk about hail hitting the car. Do you have to have car damage insurance to pay for it? If you don’t have car damage insurance, you won’t be compensated?
If the car owner has purchased car damage insurance, then the insurance company will pay compensation for such accidents. If he only purchased compulsory traffic insurance or third party liability insurance, it does not matter whether the third party is insured. How many thousands? Even if the third-party liability insurance you purchased has a coverage amount of 10 million and does not include deductibles, the insurance company will not pay any compensation for this kind of accident.
By the way, a reminder: Since the new car insurance reform, car insurance types such as glass insurance, spontaneous combustion insurance, and water-related insurance have been cancelled, and they have all been classified into car damage insurance. In other words, in the future, glass insurance , water insurance, spontaneous combustion insurance, etc., no need to buy them separately! Just buy car damage insurance. Many people may still be unclear about this, so I would like to emphasize it again here.
Extreme weather has increased in recent years. Hail occurred not only in Yantai, but also in Dalian a few days ago. It is worth mentioning that according to feedback from these two places, if it happens When hail suddenly falls from the sky, the damage to Japanese cars is the most serious! Whether it is a Lexus sold at a higher price, a Toyota Camry sold at a higher price, a Honda Accord with a small discount, or a Nissan Altima and Sylphy with a large discount, as long as it is a Japanese car, and if the hail particles can be close to the size of an egg, then all The rear glass of all Japanese cars was not spared and was smashed to pieces. The car bodies of Japanese cars were also all smashed into pits and pits, which was horrible to look at. Of course, this is related to the advanced car-making concepts of Japanese cars. The essence of refined management of production is to use enough! We will not use the most advanced materials for you, nor will we use the most expensive glass, because the cost of building a car will be high. The thickness of the car paint should be as thin as possible, and even thinner, as long as it is not exposed Primer is fine.
Cars of other brands, such as German Volkswagen or American General Motors, will also be damaged during hail, but they are not as severely damaged and not as common as Japanese cars. So, if you drive a Japanese car, will extreme weather still happen in the future? If you feel completely unconfident, then it is best to buy a car damage insurance for your car!
If you buy insurance for your car, the insurance company will compensate you according to the insurance terms. In the future, you should buy more real insurance. If an accident occurs, the insurance company will pay for repairs, so you can save yourself worry and effort.
The domestic glass insurance and car damage insurance in Jiaoqiangli are enough to cover the compensation.
Sorry, when the market opens after the holidays, Apple will soar.
Do you have hail insurance? Just putting on glass insurance won’t do it
If insurance doesn’t work [cover your face]
I’m better off with Laiyang. Hail generally does not fall.