Should you buy a car insurance cover?

The economy is growing, the number of cars is increasing while the transport infrastructure has not developed adequately and the awareness of traffic has not been improved. To avoid being hit by a motorbike and being scratched, many people wonder whether to buy a car insurance cover.

What is auto insurance? Car body insurance is a type of auto insurance for the exterior of a car. These include parts of the body of the body such as the whole cabin, fenders, lorries, capo, all lights and mirrors, all doors and glass, wiper, metal cover ... Damage to these parts, the insurance company will pay for the repair and repair damage. However, the payment is only in the terms and content as agreed in the contract. In terms of premiums, usually the insurance company builds. The formula for calculating a certain percentage: Vehicle value x Dates of use. Each company will issue different rates. If the customer sees fit, they will choose the insurance company. In addition, other terms are due to the agreement between the company and the insured. Types of automobile body shell cover popular No new depreciation deduction This is the type of insurance for spare parts, materials under the insurance will be replaced every time the car accident. And of course, it does not apply any replacement cost. Premium insurance with deduction When the car accident risks and damage occurs in two cases occur:
- Vehicle damage is lower than the normal level, the car owner has the right to choose.
- Car damage is higher than the deductible, then the insurance amount is calculated in the way: damage minus the deductible. For the two types of insurance, the car owner should consider factors: conditions, car insurance rates to choose the best option. In fact, car owners often choose car insurance premiums instead of new depreciation. Is the insurance payment process difficult? Before conducting the insurance payment, the insurance company shall appoint a representative to perform the assessment of the cause and extent of the damage. Regarding expenses incurred in the process of loss assessment, the insurer shall bear.
But if the company and the car owner do not have a common agreement? Both parties should solicit independent assessors. If the independent assessor still can not resolve the problem, one of the two parties must ask the court to appoint another independent assessor.
What is the value of the independent assessor?
- If the assessor has different results from the assessment of the company, the company will be responsible for payment of assessment fees. - If the results of the assessor coincide with the assessment results of the company, the vehicle owner must pay the assessment fee. In addition, the value of car insurance is still paid in accordance with the terms of the contract. Some other note The insurance is not liable for damage to the following components of the vehicle: - Total gearboxes, including shaft and articulated sand. - Steering system, front suspension and rear suspension. - Safes, oil tanks. - Total engine, including fuel system, engine block.
In addition, any vehicle that has a fault in causing an accident to the car of the person who has purchased the insurance will have to pay compensation for damage to the vehicle owner.
So in summary, when our car is new and high value, it is best to buy a car insurance cover for peace of mind when traveling on the road, especially in the area where often hit and fight.