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划痕险怎么赔?济南汽车凹坑修复来分享

时间:2015-06-18 01:28:16 来源:本站 已浏览: 298次


  (1) 划痕险的保险责任是“他人恶意行为造成保险车辆车身人为划痕”,如果是被保险人及其家庭成员、驾驶人及其家庭成员的故意行为造成的损失就属于免责范围了。

(1) the scratches insurance liability insurance is "others malicious behavior caused by vehicle insurance body human scratch", if the loss is caused by the intentional act of the insurers and members of their families, drivers and their family members belongs to the scope of exemption.

(2) 划痕险针对的是车身漆面的划痕,若碰撞痕迹明显,划了个口子,还有个大凹坑,这个就不属于划痕,属于车损险的理赔范围。

(2) scratches insurance against is body paint scratches, if the collision obvious signs, drew a slit and a big pit, this does not belong to scratch, belonging to the scope of car damage insurance claims.

(3) 如果车子出现无刮擦、碰撞痕迹时的单独划痕,就可以由划痕险来赔,但是要是在行驶过程中出现的碰撞、刮擦而导致的汽车漆面的划痕,就不在划痕险理赔范围了。

(3) if the car without scraping, traces of collision scratch alone, you can by scratches insurance to compensate, but if in driving process impacts, scratches caused the car paint scratches, not in the range of scratch insurance claims the.

(4) 划痕险的赔付率普遍在200%到300%间,基本上处于亏损运营,大多数保险公司都只针对新购买的车或者两三年内新车承保。划痕赔付限额一般是2000元、5000元。要注意的是,划痕险是累计赔付的,也就是说如果投保的划痕险保额是2000元的,出险不限次数,但赔偿累计金额不能超过2000元,超过两千元保险合同就自动终止。此外,目前不少保险公司都对划痕险设置了免赔额,免赔率在15%到20%不等。

(4) the loss rate of scratch insurance is generally between 200% and 300%, basically at a loss, most insurance companies are only for the new car or the new car underwriting two or three years. Scratch payment limit is generally 2000 yuan, 5000 yuan. Should pay attention to is, scratches insurance is accumulated payment. That is to say, if the insured scratch insurance coverage is 2000 yuan, danger is not limited to the number of times, but for the cumulative amount of not more than 2000 yuan, more than 2000 yuan of insurance contract is automatically terminated. In addition, the number of insurance companies have set the scratch insurance coverage, the odds of the 20% to 15% range.

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