Near the South, Gaofaji entered the rain. Two days ago, Guangzhou suffered a heavy rain and flooded the city. Many owners were left with lingering feelings. In addition to the sudden heavy rainfall, the deadly heat will gradually approach after the rain. In the face of these two summer challenges, what kind of insurance do you need for your car?
Car damage insurance
Car damage insurance refers to a kind of car commercial insurance that the insured or its allowed driver causes damage to the insurance vehicle due to an insurance accident when driving the insurance vehicle, and the insurance company pays compensation within a reasonable range. Car damage insurance is a vehicle insurance policy purchased by many people. It covers a wide range of insurance coverage, including compensation for losses caused by vehicles during heavy rain, floods, and tsunamis, except for an escape clause: engine damage caused by engine flooding. In other words, when the car is unfortunately flooded, as long as the engine is not flooded and the owner does not start the engine twice, he can get compensation through car damage insurance.
Wading risk
Vehicle wading insurance is an additional type of insurance that needs to be purchased separately. It is a special service for the engine and is compensable for damage to the vehicle after wading, subject to the need to purchase insurance against invasion and loss of vehicles. When the vehicle is wading, that is, the engine is damaged or started in the water through the flooded road surface, and the vehicle is out of control. The owner must remember to avoid the second start when the vehicle waded out of the water and immediately call the rescue phone. This can get most of the compensation, which is about 80 % -85 % of the damage amount.
Spontaneous combustion risk
In hot weather, vehicles 'appliances are prone to overheating, and the chance of failure of the line will increase. Once it encounters Mars, it is easy to trigger spontaneous combustion. In particular, vehicles that are older than 8 years are high-risk vehicles. It is recommended that self-ignition insurance be considered. Owners need to bear in mind that they do not modify the route of the vehicle. Do not place flammable and explosive dangerous goods in the door. If the owner's personal reasons cause the car to burn, the insurance company will not settle the claim.
To sum up, the palm pay small editor reminds the majority of car owners, summer can be for car insurance car damage risk, wading and self-ignition risk these three practical risks, understand the specific coverage of these types of insurance, in the event of an emergency calm response.