How to calculate scratch insurance

How to calculate scratch insurance

In recent years, with the increase in car ownership, the problem of vehicle scratches has become one of the focuses of attention of car owners. As an additional type of insurance in car insurance, scratch insurance can provide certain protection for car owners. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide a detailed analysis of the calculation method, applicable scenarios and precautions for scratch insurance to help car owners better understand this insurance.

1. Basic concepts of scratch insurance

Scratch insurance, the full name of "body scratch loss insurance", is an additional type of insurance in car insurance, which mainly protects the vehicle from scratch losses caused by other people's malicious acts or accidents. Unlike car damage insurance, scratch insurance usually does not involve vehicle collision accidents, but pays for scratches on the surface of the car body.

2. Applicable scenarios for scratch insurance

Scratch insurance applies to the following situations:

• The vehicle was maliciously scratched while parked in a public place;
• The vehicle is scratched by flying stones or other objects while driving;
• Other scratch losses not caused by collision.

3. How to calculate scratch insurance

Premium calculations for scratch insurance are usually based on the value of the vehicle, the amount insured, and the insurance company's rate schedule. The following are common factors in scratch insurance premium calculations:

4. Claims Process for Scratch Insurance

If the vehicle suffers scratch damage, the owner can apply for compensation according to the following process:

1. Take photos immediately to collect evidence and record the scratches;
2. Contact the insurance company to report the case and provide relevant supporting materials;
3. The insurance company arranges loss assessors to conduct on-site inspections;
4. Based on the loss assessment results, the insurance company pays compensation.

5. Precautions for scratch insurance

When purchasing scratch insurance, car owners should pay attention to the following points:

• Scratch insurance usually has a cumulative compensation limit, and no compensation will be paid after the limit is exceeded;
• Some insurance companies have limits on the number of claims for scratch insurance;
• Scratch insurance is usually not applicable to older vehicles, and the terms of the insurance company shall prevail.

6. Hot topics on scratch insurance in the past 10 days on the Internet

According to the recent hot discussion on the Internet, the following is the focus of discussion on scratch insurance:

7. Summary

As a supplement to car insurance, scratch insurance can provide car owners with additional protection. Before purchasing, car owners should fully understand the calculation method, claims process and precautions to avoid disputes caused by information asymmetry. At the same time, you should rationally choose whether to insure scratch insurance based on your own driving environment and vehicle condition.

We hope that the analysis in this article can help car owners better understand scratch insurance and make wise decisions when using their cars.