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Cast protect a guideline: The safe note on two handcart
From;    Author:Stand originally
Above all, everybody should distinguish the relation between insurance amount and insurance value, real value. The insurance value of car by new car purchase valence decision, include car unit price and add purchase cost.

Above all, everybody should distinguish the relation between insurance amount and insurance value, real value. The insurance value of car by new car purchase valence decision, include car unit price and add purchase cost. The insurance amount of car loss danger by send the insurance value decision when protecting, also can talk things over by the person that be protected and underwriter affirmatory, or decide by the real value of the car, but highest must not exceed insurance value, disable partly more than. The regulation in clauses: The formula of real value computation of insurance car is: Guide only then new car of big pool? purchases value / national regulation uses × of fixed number of year (national regulation uses fixed number of year - already used) of fixed number of year. Two handcart are being cast when protecting, choose additional risk to plant according to different situation, cast insurance cost to pay by the one certainty ratio of insurance amount.

Loss of compensatory cent whole vehicle and partial loss two kinds, only to going up the car of car loss danger and add pilfer rush to deal with an emergency undertakes compensatory, if two handcart throw amount of the insurance when protecting,be the insurance value that presses new car is certain, at this moment the insurance amount of this car and insurance value are same, but insurance amount prep above the real value of this car. Encounter whole vehicle when car by pilfer, grab 3 months above, via public security put on record reconnoiter did not uncover, the loss of insurance car presses computation of plan certainty ratio to compensate for, go up with be not being exceeded the compensation of real value computation when insurance, of indemnity 20% pay oneself by insurant, if press real value,affirmatory compensation is sure under this car 20% of value, 20% of value of the insurance when the highest compensation that can get maintains car be or get out of danger to cast only, after compensation, the rights and interests of this car puts in an underwriter 's charge all, insurance liability is stopped. When car is damaged by the part of different level, by repair charge computation actually to compensate for, in removing a provision outside paying a share oneself, the others is assumed by insurance company.

Indemnity and insurance amount are relevant, if two handcart cast the insurance amount when protecting to press the real value of this car to decide, so safe amount under insurance value, but be equal to real value. Encounter car by pilfer, grab when causing whole vehicle loss, when gotten compensation and insurance amount are equal to insurance value identical, but when encountering a part to damage, differ however. The repairs charge to press insurance amount and insurance value proportion that insurance car gets is calculated. Car loss is sure with exceeding amount in the limit of, when if insurance car presses total damage unwise to calculate loss of compensation or share,compensation reachs insurance amount, the insurance liability of car loss danger is stopped. When insurance amount under real value when, if car produces total loss, insurance company presses indemnity of insurance amount computation. So, when giving the assurance on car should be practical and realistic, full specified amount is cast protect.
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