Does Taikang have car insurance?

Taikang has car insurance.

Taikang auto insurance is divided into compulsory motor vehicle traffic accident liability insurance (referred to as compulsory traffic insurance) and comprehensive motor vehicle commercial insurance.

Among them, the main insurance of comprehensive motor vehicle commercial insurance includes motor vehicle loss insurance, third party liability insurance, total vehicle theft and rescue insurance, driver seat liability insurance, and passenger seat liability insurance. The additional insurance includes no deductible rate. Insurance, motor vehicle loss insurance cannot find third-party special insurance, individual glass breakage insurance, spontaneous combustion loss insurance, vehicle scratch loss insurance, engine water damage insurance, and designated repair shop insurance.

Extended information:

Vehicle insurance is motor vehicle insurance or car insurance.

It refers to a type of commercial insurance that is liable for personal injury, death or property damage caused by motor vehicles due to natural disasters or accidents.

Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young type of insurance. This is because car insurance was produced and developed along with the emergence and popularity of cars.

At the same time, unlike modern motor vehicle insurance, in the early days of car insurance, the main insurance was the third-party liability insurance of the car, and gradually expanded to risks such as collision losses of the car body. Specifically, it can It is divided into commercial insurance and compulsory traffic insurance.

Claim settlement process

1. Carry with you a clear copy of the motor vehicle's "Three Certificates and One Form", that is, the owner's ID card, driver's license, driving license and insurance policy. I would like to remind everyone that the insurance cards of many insurance companies are no longer used as claims proof.

2. It is very important to report an accident in time, especially for major accidents. When calling the insurance company's report hotline, you need to provide basic information such as the policy number, time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only apply for short-term traffic insurance, and have prescribed routes and times. Insurance companies will not be liable for accidents that occur on routes and times other than those specified.

4. When the vehicle is in danger in a different place, report it to the insurance company in a timely manner, and the loss assessment personnel at the place of accident will conduct an inspection and assessment of the loss on your behalf. Compensation costs are generally estimated based on industry standards at the place of risk. If there is partial damage that is discovered only after returning to the place of insurance, the insurance company can supplement the loss compensation for this part of the repair costs.

5. If the insured wants to entrust a repair shop to handle compensation, or transfer the accident compensation directly to the repair shop, he should personally sign a power of attorney and report it to the insurance company for record. Every time you make a repair, sign a quality contract with the repair shop so that you can safeguard your legitimate rights and interests.

6. To effectively shorten the claim settlement cycle, the support and cooperation of car owners and repair companies are also needed. For car owners, they must pay attention to the following points when making vehicle insurance claims: Report the case in a timely manner. Claim materials must be complete and provided in a timely manner. After determining the damage, send it to repair promptly. Choose your repair shop carefully. Be careful to entrust an agent to handle claims. You should communicate with the insurance company in advance before paying compensation to a third party.

Situations where no compensation will be paid

1. No compensation for driving under the influence of alcohol, driving without a license, or failing to have an annual inspection

In these three situations, the driver does not have the qualifications Qualification to drive on the road, serious violation of traffic regulations. In addition, if the driver does not match the approved driving type and drives on the expressway during the internship period, the insurance company will refuse to pay compensation after an accident.

2. No compensation for damage caused by water intrusion and restarting the engine

There are many heavy rains in summer, and many car owners lack experience in driving through water, resulting in an increase in vehicle damage accidents due to water wading. The insurance company believes that if the driver forcibly starts the engine after the vehicle is driven into deep water and the engine stalls, causing damage, it is caused by improper operation and is not covered by compensation.

3. No compensation for equipment installed by oneself

Many car owners will add audio, refrigerator, rear spoiler, luggage rack and other equipment after buying a car. In the event of loss due to an accident, the insurance company will not compensate for these newly added equipment.

4. No compensation if some parts are stolen

If the entire car is not stolen, but only parts such as tires, audio equipment, car logos, etc. are stolen, the car owner can only consider himself unlucky. . Insurance companies usually stipulate that "not the whole car is stolen, but only the parts or ancillary equipment on the car are stolen, robbed, snatched, or damaged" as an exclusion.

5. Give up the right to recover without compensation

If your car crashes because of someone else's responsibility, don't give up on asking for compensation from the other party. Because this is tantamount to giving up claiming compensation from the insurance company.

6. No compensation for losses during vehicle repair

If the vehicle is involved in a collision, theft, etc. while it is being repaired, the insurance company will not compensate because the repair shop is responsible. Maintain and maintain vehicles properly. In addition, insurance clauses generally stipulate that the insured vehicle will not be responsible for compensation for losses suffered during "competition and testing".