콘텐츠로 건너뛰기

What is the difference between compulsory and supplementary car insurance?

What is the difference between compulsory and supplementary car insurance?

What is the difference between compulsory and supplementary car insurance?

What is the difference between compulsory and supplementary car insurance?

Car insurance is one of the types of insurance that is associated in the minds of many as optional only, and that the owner of the car is the one who determines if he will insure it in the hope that the truth of the matter is different from that. Regarding civil liability, towards accidents that occur to others from unidentified cars, and the process of obtaining compensation is organized here by the Unidentified Accidents Fund.

Complementary car insurance has conditions for its application, which are as follows:

  • It is in the name of the customer whose name is fixed in the license to drive the insured car, and in some cases it is for the benefit of the bank that lends the customer for the car loan “if any.” This means that in the event of compensation, it is paid in the name of the bank whose name is indicated in the car license and document or the company granting the loan, whoever it is. The type of compensation, whether it is partial compensation or total compensation. In some cases, some banks allow partial compensation to be paid in the name of the customer directly, and only stipulate that compensation resulting from the total loss of the car resulting from total theft, total fire, or massive compensation be paid in the name of the bank.
  • In order for the process of issuing the document to be completed properly, the customer must clarify his title deed to the car. In the case of (zero) cars, the insurance is done according to the release letter issued in the name of the agent, who in turn sells the car in the name of the customer. In the case of used cars, the document is the license or the sale contract documented in the real estate registry In the name of the new owner or the power of attorney to sell the car documented in the real estate registry.
  • The value of partial damages that require repair or replacement of any part of the car as a result of an accident that occurs to the insured car. The value of damages that occur to the car as a result of partial fire or theft.
  • Compensating the insured for the full value of the car as a result of a fire accident for the entire car, and therefore it is not feasible to repair it or the occurrence of a serious accident that results in the car being considered a total destruction.
  • Covering third parties to whom material damage occurs as a result of the mistake of the insured car driver, which has been termed (civil liability), covering personal accidents for passengers of the insured car.

It also provides partial theft insurance for cars as follows:

Partial theft of one of the parts of the car, such as the cassette, the spare tire, or the exterior mirrors. It is required that this part be a component of the car, meaning that the luxury parts, and the car did not include it, is not included in the insurance coverage unless it is stipulated in the policy that it is covered by the insurance coverage. And it is inspected upon issuance. Therefore, the insured must check with the insurance company about the parts covered by this coverage or not, and in the event of a theft, the insured must file a police report on the theft, and the police inspect the car subject of the accident and prove the type of stolen parts and their location in the car, and whether violence was used Whether or not, and the maximum commitment of the insurance company is the value of the missing parts with the agent or the value specified in the policy.

Total theft insurance

In the event that the car is completely stolen, the customer must file a police report stating the theft of the entire car, and the Anti-Car Theft Unit is notified of the incident by the police. To further confirm, the insurance company sends a letter to the Anti-Theft Unit regarding the incident, and sends a similar letter to the Traffic Unit issued by it. Car license until you keep the car file and arrest anyone who deals with this file.

The insurance company is obligated to pay the full value of the car (which is the amount of the insurance or its market value, whichever is less at the time of the accident so that there is no profit for the customer from the insurance), if more than three months have passed since the car was stolen without being found.

Car fire as a result of a short circuit, gasoline leakage from the fuel circuit, intentional act of a third party, or the occurrence of a serious accident resulting from a collision and friction with any other object, etc.

Car fire insurance

In this case, the customer must notify the police immediately to inspect the car at the scene of the accident, and then send a notification of the accident to the insurance company to carry out the procedures for inspecting the car, and attach a price estimate of the repair costs and a police report. The car is considered a total loss by the insurance company in the event that the repair cost exceeds a certain agreed percentage. on her.

In the event of a collision or rollover that results in damage to the car, in this case the customer must notify the insurance company of the accident and send the car to the repair agency, which prepares a priced estimate that specifies the price or value of each item according to its type.

Insurance in the event of a collision

Through inspection and counting each item that deserves repair or change, the cost is calculated. In the event that the possibility of repair is difficult or the cost of repair is large, the car is considered a total loss.

Required documents in case of total loss resulting from fire / or any accident:

  • The original delivery receipt for the metal plates.
  • A copy of the data certificate.
  • The original letter of the institution in the case of driver insurance.
  • Car ownership transfer contract documented in the real estate month.
  • The original insurance policy in the case of car insurance with a separate document.

답글 남기기

이메일 주소는 공개되지 않습니다. 필수 필드는 *로 표시됩니다