We will select some questions from the official WeChat account of Car Owner Home and the Q&A database to provide detailed answers every week. You are welcome to ask questions directly through the official WeChat account of Car Owner Home, or ask questions you want to ask through the car owner Weibo @wenche. Whether you are buying a car or using a car, we will answer your questions as soon as possible.
Q:Can I still withdraw the insurance if I have a commercial insurance accident?
A:If the vehicle is only in a general collision, all commercial insurances within the repairable range, except compulsory traffic insurance, are refundable. The insurance company calculates the refundable premium by using the amount of insurance premium actually paid when the insurance was purchased, minus the premium that the insurance company should charge during the period when the insurance has been in effect. The remaining balance is the insurance premium that should be refunded to you. The amount of insurance surrender is calculated according to the formula of "Insurance surrender premium = Insurance premium actually paid - Insurance premium payable". Generally calculated on a monthly basis, 10% of the insurance premium will be charged for each month the insurance is effective. If it is less than one month, it will be calculated as one month.
If the vehicle is completely crashed and scrapped, vehicle damage and additional vehicle damage insurance such as individual glass breakage, spontaneous comb
We will select some questions from the official WeChat account of Car Owner Home and the Q&A database to provide detailed answers every week. You are welcome to ask questions directly through the official WeChat account of Car Owner Home, or ask questions you want to ask through the car owner Weibo @wenche. Whether you are buying a car or using a car, we will answer your questions as soon as possible.
Q:Can I still withdraw the insurance if I have a commercial insurance accident?
A:If the vehicle is only in a general collision, all commercial insurances within the repairable range, except compulsory traffic insurance, are refundable. The insurance company calculates the refundable premium by using the amount of insurance premium actually paid when the insurance was purchased, minus the premium that the insurance company should charge during the period when the insurance has been in effect. The remaining balance is the insurance premium that should be refunded to you. The amount of insurance surrender is calculated according to the formula of "Insurance surrender premium = Insurance premium actually paid - Insurance premium payable". Generally calculated on a monthly basis, 10% of the insurance premium will be charged for each month the insurance is effective. If it is less than one month, it will be calculated as one month.
If the vehicle is completely crashed and scrapped, vehicle damage and additional vehicle damage insurance such as individual glass breakage, spontaneous combustion insurance, water-related insurance, etc. are completely non-refundable. Compulsory traffic insurance is also non-refundable. Only third-party liability insurance and vehicle occupants insurance can be refunded. The amount of insurance surrender is calculated according to the formula of "Insurance surrender premium = Insurance premium actually paid - Insurance premium payable".
When surrendering the policy, the insurance company will return the premium to the policy holder after deducting handling fees. These handling fees include the insurance agent's commission (paid by the insurance company), the insurance company's management fee, and the pure premium from the time of purchase to surrender. Therefore, you will lose an additional premium if you surrender the policy.
Therefore, unless it is a last resort, it is not recommended to surrender the policy. The loss of surrender is very high.
Q:Will the insurance discount be affected after the vehicle is transferred?
A:As for the question you asked, according to our understanding, it should have a certain impact. Generally, insurance companies determine the amount of premium increase in the second year based on the number of vehicle accidents and the amount of accidents in the previous year. When renewing insurance, you need to check the number of accidents and the amount of the vehicle, not the insured. Even if the insured is changed, the vehicle will not change.
Q:Should I also buy scratch insurance after buying car damage insurance? What is the difference between the two types of insurance?
A:The difference between scratch insurance and car damage insurance is that car damage insurance mainly pays for losses caused by accidents, while scratch insurance covers losses caused by man-made damage to the vehicle's paint surface. To put it simply, if it is due to "accidental" collision with other cars or fixed objects while driving, or the vehicle being hit while parked but the offending vehicle is not found, scratch insurance is for the situation where someone deliberately scratches your paint surface "unpleasantly".
Whether you need to buy scratch insurance varies from person to person. If your car is often parked in a secured and monitored parking lot, you don't need to buy it. If you don't have a fixed parking space and often park your car on the side of the road, and the surrounding security is not very good, it is best to buy scratch insurance.
Q:How is individual glass breakage insurance defined? Is it necessary to buy it?
A:Individual glass breakage insurance is actually an additional type of insurance for vehicle damage insurance. It is divided into imported glass and domestic glass, and the premiums are different. That is to say, if you buy car damage insurance alone, you will not be compensated for broken glass alone; at the same time, glass breakage insurance must be purchased on the basis of car damage insurance. As for whether it is necessary to buy one, it mainly depends on your driving environment and the people you interact with. If you often park on the side of the road or downstairs, or if you have a lot of car envy, it is recommended to buy it.
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