In terms of natural disasters, B has more storms and tornadoes than A, and C has more typhoons, tropical storms, snowstorms, ice traps and sandstorms than B. In terms of natural disasters, A has the narrowest scope of compensation and C has the widest scope of compensation. In terms of single glass damage, A does not compensate for any single glass damage, and B and C compensate for single skylight glass damage. In terms of separate damage to glass, A has the narrowest scope of compensation, and all of them are not compensated.
2. No compensation shall be paid for different scopes.
Party B and Party C expressly agree that if the insured motor vehicle party does not bear the responsibility for the accident, it will not compensate the motor vehicle loss, while Party A will not compensate. A is more beneficial to the insured, especially when the party responsible for the accident is a non-motor vehicle or pedestrian, or although the responsible party is also a motor vehicle, the responsible party will not pay. B does not compensate for the damage of a single mirror or lamp, which is not stipulated in A and C .. B is the worst.
3, the scope of exemption is different
For the exemption of personal and property losses of family members, the three clauses are slightly different from paragraph A: the exemption of personal and property losses of the insured and his family members. Paragraph B: Exempt the insured and his family members, himself and the driver allowed by his family members from personal and property losses. Paragraph C: Exempt the insured and its licensed drivers from the liability for property losses.
Extended data
1. A clear copy of the "three certificates and one form" of the motor vehicle carried with the vehicle, that is, the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance cards of many insurance companies are no longer used as proof of claims.
2. It is very important to report accidents in time, especially major accidents. When you call an insurance company to report a case, you need to provide basic information such as policy number, time and place of the accident, and nature of the accident.
3. Generally, vehicles with temporary license plates only have short-term insurance, and there are prescribed routes and times. Insurance companies are not responsible for accidents that occur outside the prescribed route and time.
4. When the vehicle is out of danger in a different place, it should report to the insurance company in time, and the loss-determining personnel at the place where the vehicle is out of danger will survey and determine the loss on its behalf. The compensation fee is generally valued according to the industry standard of the place where the accident occurred. If local damage is found only after returning to the insured place, the insurance company can make up the compensation for this part of the repair fee.
5. If the insured wants to entrust the repair shop to handle the compensation, or directly pay the accident compensation fee to the repair shop, he shall personally sign the power of attorney and report it to the insurance company for the record. Every time you sign a quality contract with the repair shop, you can safeguard your legitimate rights and interests.
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