If the vehicle is not insured against spontaneous combustion and fire, the insurance company will not pay the spontaneous combustion futures. The insurance amount of spontaneous combustion insurance is generally determined through consultation according to the actual value of the insured vehicle, and the premium is not high, generally only a few tens of yuan. After the car spontaneously ignites, the insurance company will make corresponding compensation according to the damage degree of the car. Self-ignition insurance refers to the fire caused by the circuit, circuit, oil circuit, oil supply system and the goods themselves during the use of the insured vehicle, as well as the friction and fire caused by the operation of the motor vehicle, and the reasonable rescue expenses that the insured must pay to reduce the loss of the insured vehicle when an insured accident occurs, and the insurance company shall compensate accordingly.
If the vehicle is not insured against spontaneous combustion fire, the insurance company will not pay the fees for spontaneous combustion futures:
1. In case of spontaneous combustion, leave the car immediately and call 1 19 to call the police. Most insurance companies can claim compensation only if there are fire alarm warning signs. After the car spontaneously ignites, the insured can call the insurance company first and report the license plate, the time, place and reason of the accident to the staff. After the technicians of the insurance company go to the scene to inspect the car, if it is determined that it is spontaneous combustion, they can claim compensation.
2. However, experts in the industry specially remind policyholders that insurance companies will basically not compensate all insured cars for spontaneous combustion. According to the actual situation, insurance companies generally have some special claims restrictions. For example, if the insured's vehicle is completely damaged, it can be settled within the insured amount. If it is only part of the loss, the compensation will be calculated according to the actual repair cost within the insured amount;
3, and the cost of rescue is also calculated according to the actual expenditure within the insured amount. In addition, when the insured applies for a claim, the deductible rate is basically 20% every time. Although there is a fire compensation clause in the health insurance, it refers to external fire sources, except spontaneous combustion, so it can only be purchased separately.
(Photo/Text/Photo: Ask the Beast in China) Ask the World Xpeng Automobile P7 V Chuanqi GS8 P5 Li ONE @20 19.