Is a claim of over 10,000 yuan considered a major accident for a car?
1 Answers
Whether a claim of over 10,000 yuan is considered a major accident for a car depends on whether it is a third-party liability insurance or car insurance claim. If it is a car insurance claim, it is definitely a major accident, but for cars worth over 500,000 yuan, it may not be considered as such. Car insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, passenger liability insurance, full vehicle theft insurance, glass breakage insurance, and other basic coverages, as well as additional coverages such as scratch insurance, spontaneous combustion insurance, water driving insurance, cargo falling liability insurance, and no-deductible special liability insurance. Below is an introduction to some car insurance types: 1. Vehicle damage insurance: Used to compensate for losses caused by natural disasters and accidents to the vehicle itself, recommended for new drivers. 2. Third-party liability insurance: Used to compensate for losses caused by the car owner to third-party personal injuries or deaths, this is a must-have for both personal and others' protection. 3. No-deductible insurance: An additional coverage that transfers the responsibility the car owner needs to bear to the insurance company, reducing the owner's loss. If both vehicle damage insurance and third-party liability insurance are purchased, it is best to also purchase no-deductible insurance. 4. Theft insurance: Used to compensate for damages caused by theft, robbery, or seizure of the vehicle, recommended for new car owners without garages. 5. Passenger liability insurance: Used to compensate for losses suffered by the driver and passengers in the car due to traffic accidents, usually paid per seat, recommended for new drivers or family car owners.
