At 8 o'clock on the morning of May 6, in Xinhua Square, Tiexi District, a car suddenly spontaneously ignited, and only the frame was burned. On the same night, on the streets of the downtown area of ​​Shenhe District, a white Lamborghini luxury car worth more than 4 million yuan just bought for two months also spontaneously ignited, and the whole vehicle was burned and scrapped.
In the past summer, the self-ignition of motor vehicles appeared in the summer, why recently in Shenyang, the Shenyang Evening News, Shenyang Net reporter consulted the insurance company's auto insurance claims professionals.
Car damage insurance does not include the loss of self-ignition of the vehicle. “The car is self-igniting, is the insurance company claiming compensation? Does the purchased car damage insurance include self-inflation insurance?†Yesterday, a property insurance company in Shencheng’s property insurance company told the reporter: “Self-ignition insurance is not included in the car. In the event of damage, it must be purchased separately."
It is understood that the current car insurance market sales of A, B, C three car insurance car damage insurance does not include self-ignition insurance, car owners need to purchase additional self-ignition additional insurance, according to the relevant provisions of self-inflation, the vehicle in use of its own electrical appliances, If the line or the fuel supply system fails to cause a fire, it is self-igniting and the insurance company can make a payment.
It is worth noting that the vehicle self-inflation insurance is not a claim for all accidents. The agreement on explosion in vehicle insurance refers to the "source of external explosion" rather than the inside of the vehicle. At the same time, in the treaty of spontaneous combustion of vehicles, it is also emphasized that the claim conditions are “internal reasons such as vehicle linesâ€, and explosions and fires caused by flammable dangerous goods such as lighters and car perfumes are not covered by insurance.
Does not guarantee self-igniting luxury car self-ignition does not compensate. On March 1, Zhejiang, Yiwu, a two-year-old Bentley sedan with a car age of 4.6 million yuan spontaneously ignited. According to preliminary investigations, this is a spontaneous combustion incident caused by a fire in the air-conditioner of the co-pilot, eliminating the possibility of artificial arson. After the incident, the insurance company's claimants rushed to the scene to investigate, and found that the Bentley car did not protect itself from the fire, the insurance company could not claim. The annual premium of the Bentley car is more than 50,000 yuan, but it is not guaranteed.
"Many people think that the loss caused by spontaneous combustion of the vehicle is not the damage of the car? Since it is insured for the car damage insurance, it should be compensated." In this case, the claimant of the insurance company explained that this is actually a misunderstanding, and the vehicle self-ignition needs to be paid. I have to buy self-inflation insurance. Generally, the quality of new cars is guaranteed, so from the existing data, there are very few private new cars that purchase self-inflation. However, as the vehicle's service life becomes longer, the vehicle's condition is declining. If the vehicle age is more than 3 years, self-inflation insurance may be considered based on actual conditions.
There is still a 20% deductible rate for self-inflation of vehicles. There has been a lot of debate in the society about the problem of new cars that should not be self-inflicted. Under normal circumstances, many car owners think that the probability of spontaneous combustion of a new car is relatively low, but it is not. The self-igniting Lamborghini luxury car in Shenyang is a new car that has just been bought for more than two months. The rate of self-inflation insurance is related to the price of the car and the age of the car. There is a slight difference between the insurance companies. A vehicle with a cost of about 100,000 yuan for two years or so, the insurance rate for self-insurance is about 0.12% of the price of the car, 2 years - The vehicle rate for the four-year period is 0.2%, and the vehicle rate for six years or more is 0.5%.
Although the probability of spontaneous combustion is not high, once it occurs, the vehicle can be turned into scrap iron. After the owner chooses self-inflation insurance in the insurance, he also needs to understand the exemption clause for self-inflation insurance. In terms of claims, each insurance company generally implements a 20% deductible rate. For example, a vehicle loses 10,000 yuan due to spontaneous combustion, and an insurance company generally pays up to 8,000 yuan.
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