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How Does Natural Disaster Insurance for Vehicles Work?

1 Answers
DeBeckett
07/30/25 1:18am
For vehicle damage caused by natural disasters, you can file a claim under the auto damage insurance by calling the insurance company's hotline to report the incident. Below are the relevant details: 1. Full Compensation: Vehicle owners who have purchased auto damage insurance can receive full compensation if their vehicle is damaged by falling objects due to severe storms, provided the scene is intact and the incident is reported to the insurance company immediately. The insurance company will make corresponding payments based on the actual situation. 2. Partial Compensation: If the vehicle is hit by falling objects from a height and there is a third party involved in the accident, the owner can receive 70% of the auto damage insurance compensation from the insurance company, while the remaining 30% should be resolved through negotiation with the responsible party.
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How to Fix a Motorcycle Speedometer and Odometer That Aren't Working?

Motorcycle speedometer and odometer not working is likely due to a broken cable or a damaged speedometer gear. Timely replacement of these two components should resolve the issue. Here is some additional information: 1. Introduction One: The working principle of a motorcycle ignition system involves the ignition unit coordinating with sensors to determine the spark plug's firing time, also known as the ignition timing. When the high-voltage coil amplifies the voltage and supplies it to the spark plug for ignition, the spark ignites the mixture of fuel and air, causing an explosion that drives the piston to move up and down within the cylinder, thereby starting the motorcycle engine. 2. Introduction Two: The principle of a scooter's transmission mechanism involves two pulley disks connected by a drive belt. When the engine is idling, the two pulley disks and the drive belt remain loose and cannot propel the motorcycle forward. As the engine speed increases, the two pulley disks, under centrifugal force, begin to engage more tightly with the belt, and the gear ratio changes. The higher the engine speed, the greater the change in gear ratio, resulting in faster vehicle speed.
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What is the correct method to control speed during a long downhill descent?

When descending a long slope, the correct method to control speed is to drive in a low gear. If speed is not properly controlled and braking is excessively relied upon, it can easily cause the brake pads to overheat, leading to vehicle failure and increasing the risk of traffic accidents. Here is more information about descending long slopes: 1. For manual transmission vehicles, it is relatively simple. Just place the transmission in a low gear, use engine braking, and combine it with the brakes to keep the speed within a reasonable range. 2. For automatic transmission vehicles or vehicles with manual-automatic transmission, the following points should be noted when descending a long slope: First, do not shift the transmission into N (neutral) gear when descending, as this can damage the transmission and make speed control difficult, leading to overheated brake pads and loss of speed control. For long descents with moderate slopes but extended distances, first switch the vehicle to manual mode, then adjust to third gear in manual mode, using engine braking combined with the brakes. For steeper long descents, switch the vehicle to manual mode and adjust to first gear in manual mode, using engine braking combined with the brakes. Some vehicles are equipped with an L (low) gear, which can be used for descending by placing the transmission in low gear.
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How to Repair a Cracked Plastic Fuel Tank?

Currently, the non-metal fuel tanks used in vehicles are made by molding a mixture of resin and ABS engineering plastic in specific proportions. Although this material can be repaired by high-temperature fusion for cracks, the strength after such repair is significantly lower than the original factory condition. Since fuel tanks involve safety issues, it is best to replace them. Below is more relevant information about fuel tanks: 1. The components of a fuel tank include: fuel tank cap, partition, fuel gauge sensor, fuel inlet and return pipes, fuel filler neck, and vent. 2. The maintenance methods for fuel tanks are: cleaning the air valve and vapor valve, and regularly removing sediment from the tank. 3. The function of a diesel engine is: to convert the thermal energy of gasoline or diesel into mechanical energy by burning the fuel in a sealed cylinder, causing the gas to expand and push the piston to perform work. 4. The maintenance methods for diesel engines include: (1) Using qualified engine oil. (2) Using qualified coolant. (3) Regularly cleaning scale from the radiator. (4) Periodically removing carbon deposits from the engine.
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How long can the Civic continue to drive when it displays 'Change Engine Oil Now'?

The Civic displays 'Change Engine Oil Now' with approximately 800 kilometers remaining, as the factory vehicle's reminder is based solely on a fixed maintenance cycle. The functions of engine oil: Engine oil, also known as motor lubricant, serves to lubricate and reduce friction, assist in cooling, seal against leaks, prevent rust and corrosion, and cushion shocks in the engine. It is often referred to as the 'blood' of the car. How to check engine oil: After adding engine oil, start the vehicle and then turn it off for 3 minutes before checking. This is because changing the oil also requires replacing the oil filter, which initially contains no oil. Starting the vehicle allows oil to flow into the filter. Waiting 3 minutes ensures the oil settles into the oil pan, providing a more accurate reading. Do not check the oil level on a slope, as the tilted position of the vehicle causes the oil in the pan to tilt as well, leading to an inaccurate measurement.
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What is BYD's battery degradation standard for battery replacement?

BYD's battery degradation standard for battery replacement is as follows: 1. 1 to 10 years: The degradation rates are 8%, 4%, 2%, 2%, 2%, 1.5%, 1.5%, 1.5%, 1.5%, 1.5% respectively. 2. Over three years: The battery degradation level has already affected normal usage. 3. Grading: When the current battery capacity is lower than the nominal capacity, it is considered degraded. When the capacity falls below 20%, it is deemed severe battery degradation. There are many reasons for battery degradation, mainly including: 1. Quality issues: Poor battery quality itself. 2. Poor charger: Using inferior chargers. 3. Working environment: Operating in high or low-temperature environments for extended periods. 4. Overcharging and discharging: Using the battery until the remaining charge is below 3%. Circuits have protection, but it occasionally happens. 5. Radiation: Long-term use of the battery in areas with strong electromagnetic radiation (which can interfere with the conductivity of metals inside the battery).
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Causes and Solutions for Car Air Conditioner Evaporator Freezing

The causes and solutions for car air conditioner evaporator freezing are as follows: Compressor malfunction due to prolonged use: Reduced compression efficiency or damage to the compressor's gas distribution system can lead to excessively low pressure, causing freezing. The freezing typically occurs in the front section of the evaporator. Adding some refrigerant can resolve the issue. If the problem persists, the compressor must be replaced. Excessive refrigerant: Some air conditioners may have refrigerant added due to relocation or leaks. Improper handling by maintenance personnel can result in too much refrigerant, causing excess refrigerant to flow to the rear section of the evaporator and freeze. This type of freezing usually occurs in the rear section of the evaporator and around the compressor's return pipe. Releasing the excess refrigerant will resolve the issue. Dirty evaporator: After prolonged use, dust from the air or microorganisms generated by the evaporator can accumulate on the evaporator, obstructing airflow, reducing heat exchange, and causing the evaporator temperature to drop too low, leading to freezing. The freezing occurs in the rear section of the evaporator. After the ice melts, rinse the evaporator with water and gently brush along the fins with a soft brush, being careful not to wet the electrical components. Cleaning thoroughly will resolve the issue.
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