车险小白系列(5)盗抢险 万一用得上呢 2019-01-03

  盗抢车辆事件虽然很少见,但确实存在。既然如此─•◘,那么就有必要讨论一下─◘“全车盗抢险”─•。到底用不用投保?在投保之前我们应该注意什么•?

  盗抢险全称机动车辆全车盗抢险。其赔偿范围有三个方面,第一是指机动车被盗窃◘•、抢夺需要赔付全车损失;第二则是车辆被盗抢之后,车上零部件被损坏、丢失需要赔付修复的费用•••;第三为机动车在被盗抢的过程中,受到损坏需要修复的费用。

  1.赔偿金额为:新车购置价减去折旧金额的价格•◘。如果车辆被盗后─•,要根据目前车辆状况进行折旧计算赔偿金额◘。

  2.车辆手续不齐全─◘─,会额外增加免赔率─。也就是说如果行驶本放在车上随车一起被盗后,保险公司会降低赔偿金额••。手续越少,赔的也就越少─。

  1.车辆租借给别人,但驾驶人与车辆同时失踪,这种─“死无对证••”的情况谁都说不清,保险公司为了规避风险不予赔偿•,所以车与老婆恕不外借。

  2.车身零部件被盗•◘。如果全车没有被盗抢,而是车身上诸如车轮、反光镜、雨刷这类的零部件被盗,是不能通过盗抢险进行理赔的,因为盗抢险针对的是整车盗抢─•。

  向保险公司索赔时,需要提供的资料有••:事故证明(县级以上公安机关开具的立案证明)、机动车行驶证、机动车来历证明(如发票)、车辆购置税证明─••、机动车登记证•、保险单等。

  编辑点评◘◘─:虽然机动车盗抢率不是很高,但如果您每天把车停在马路边或比较偏僻的地方,那么编辑还是建议您购买机动车盗抢险──,以防万一。

  ©2002-2018 北京智德典康电子商务有限公司(爱卡汽车) 版权所有.电话

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