[China Glass Network] Automotive glass is a relatively small number of accessories, its existence is easily overlooked by people, so some owners may not be conscious of buying glass insurance. So what is the difference between glass insurance and car damage insurance? Unfortunately, if the glass is damaged and there is no glass insurance, what should we do then? Mens Flannel Shirts,Mens Flannel Shirts Plaid,100% Cotton Men Flannel Shirts,Check Flannel Hood Shirts Shaoxing Moonten Trade Co., Ltd , https://www.sxmoonten.com
Car damage insurance does not guarantee that the glass is broken separately
Some netizens are very confused. They clearly insured the car for insurance loss. The window glass is also one of the components of the vehicle. Why can't the glass be broken if it is broken? If the vehicle is damaged due to the reasons listed in the car damage insurance clause and the glass is broken, it is a vehicle loss insurance. If the glass is only broken, it cannot be compensated. It is necessary to separately insure the glass to separate the insurance.
The so-called glass alone breaks the danger, that is, the vehicle is not damaged during parking or use, and only the windshield glass and the window glass are broken, and the insurance company is responsible for compensation. There are too many unpredictable situations in the use of automobiles. As a very important component, automotive glass has the characteristics of easy to break. Once damaged, it will seriously affect driving safety and has great hidden dangers. Flying stones, car accidents, filming, etc. may cause damage to the glass. Therefore, it is recommended that the owner purchase a loss of glass and purchase a separate glass breakage insurance. After all, a windshield is also expensive.
Whether the owner of the car is insured or imported glass
According to the lesson, Xiao Bian reminds the car owners who are ready to buy glass alone and break the insurance. When insured, they must see the terms. In the insurance mode, the insured and the insurer can negotiate to choose to insure according to imported glass or domestic glass. Under normal circumstances, imported cars can choose to import glass insurance or domestic glass insurance, while domestically produced vehicles can only choose domestic glass insurance. Many car owners of high-end imported cars did not pay attention to the types of glass insurance when they insured. As a result, when they changed the glass, they knew that the insurance was domestic glass insurance, so the insurance company could only pay for the domestic glass. Therefore, before the insurance is insured, the owner must confirm whether he wants to insure the domestic glass insurance or the imported glass insurance. In terms of premiums, the premiums of glass insurance for different insurance companies are also different, but imported glass insurance is more expensive than domestic glass insurance.
Many people think that imported glass must be better than domestic glass, so many car owners are eager to choose imported glass insurance. In fact, domestic auto glass is cheap and can be compared with foreign glass, and many foreign glass is also OEM, so choosing domestic glass will save half of the insurance premium. However, due to the different models, the owner should choose the type of insurance according to the situation of the car and their own needs, especially for high-end cars, we must carefully choose the way of insurance for glass insurance.
How to insure glass insurance
Premium = Vehicle Loss Insurance Value x Rate. Rate: 0.5%. The insurance value refers to the value of the insurance object as the insurance amount when insured. The insurance value of the vehicle that insures the car damage insurance is determined according to the price of the new car of the same type purchased and insured by the insurance contract.
What if I don’t have a glass insurance?
If the owner of the car really encounters the broken glass and has purchased the glass insurance, then I am sorry, the insurance company does not care, only the two words to solve it, that is, "saving money."
Of course, for some of the more "smart" car owners, there is no way. They usually "solve" through other insurance channels, and I won't describe them too much here. However, these methods all involve insurance fraud, and even if they do not constitute a crime, the insured company finds that it will be blacklisted, so it is not recommended.
For the average car owner, no matter what kind of problem the car has, the 4S shop will be thought of in the first time. Yes, the same as the car glass and car repair, 4S shop, repair shop, auto parts city can be replaced. But in fact, there are many professional repair shops that can replace car glass on the market, and they also provide replacement glass service for 4S shops and repair shops. This is because general 4S shops and repair shops are not equipped with such special tools and technologies. The staff, and the glass is fragile, the warehouse is not willing to stock, so they will cooperate with the glass shop. But the downside is that when you come to a 4S shop or a repair shop to change the glass, you have to wait longer. If you go directly to the glass repair shop, it usually takes less than 40 minutes to change. As for the price, everyone can guess that the 4S shop will definitely be higher, followed by the glass repair shop, the repair shop, and the lowest is the auto parts city. However, the risk of changing the glass to the auto parts city is relatively high. If the glass is replaced by the quality, the safety can be imagined, and the installation technology is backward, the probability of leakage and leakage will increase greatly, so I do not recommend it. Auto parts city replacement.