汽车划痕险如何理赔（How to compensate for automobile scratch insurance）.docVIP

汽车划痕险如何理赔（How to compensate for automobile scratch insurance） How to compensate for automobile scratch insurance? The car body scratches scratches insurance against loss of family, personal vehicles, non operating vehicles can be insured, refers to the period of insurance, the insurance vehicle body surface without obvious traces of collision scratch paint alone, the insurance company responsible for compensation according to the actual loss. Risk of scratch is an additional risk for vehicle damage insurance, which is insured against the condition of vehicle damage insurance and cannot be insured separately. Tools / raw materials How do you pay for scratch insurance? If the insured vehicle is scratched, you must report it to the insurance company in time, and make a normal claim procedure. Report to the insurance company, pay special attention to the reporting time, usually within 48 hours; if the time limit, you need to be insured with the original identity card, personally reported to the insurance company. The insurance company to assess the damage, and then to the 4S shop repair. At the same time, if the vehicle is scratched on the road, it is necessary to prove the accident by the traffic police. If the vehicle is scratched on the non Road, it is required to prove the accident by the police station. In addition, it should be noted that if the insured car is not too expensive, scratch loss recommended not reported, because the first year of unreasonable compensation, the next year the premium can be reduced by 10%. Under what circumstances does the insurance company pay no scratch insurance? In the following four cases of scratches, the insurance company will not compensate for the risk of scratch: (1) the losses caused by intentional acts of the insured and his family members, motorists and their family members; (2) the loss of the insured vehicle is caused by a civil or economic dispute with the insured or the driver and his family members; (3) natural aging a