Family car insurance is an insurance scheme designed to cover multiple cars owned by a family. In the family car insurance, there are usually many types of insurance, such as vehicle damage insurance, third party liability insurance, theft insurance and so on. This article will conduct in-depth analysis from the aspects of insurance type, insurance liability, insurance claims and so on, and provide professional advice for family auto insurance.
Type of home auto insurance
Vehicle damage insurance
Vehicle damage insurance refers to the accident in the vehicle collision, scratch, fire, explosion and other circumstances, the insurance company will compensate the owner’s loss. Vehicle damage insurance usually includes theft insurance of the whole vehicle, spontaneous combustion damage insurance, glass breakage insurance and so on.
Third party liability insurance
Third party liability insurance means that in the event of an accident to the vehicle, the insurance company will pay for the loss of the third party. The third party liability insurance usually includes the liability insurance of the vehicle personnel and compulsory liability insurance for road traffic accidents.
Theft and robbery insurance
Theft insurance means that when a vehicle is stolen and robbed, the insurance company will compensate the owner for the loss. Theft insurance usually includes the whole car theft insurance, theft and robbery loss insurance.
Insurance liability for home auto insurance
Vehicle damage insurance
The insurance liability of the vehicle damage insurance includes the accident of the vehicle collision, scratch, fire, explosion, etc., and the insurance company will compensate the owner’s loss. The insurance liability of vehicle damage insurance also includes the compensation in the case of vehicle theft, robbery, etc.
Third party liability insurance
Third party liability insurance covers the loss of a third party in the event of a vehicle accident. Third party liability insurance also includes vehicle liability insurance, that is, in the event of an accident, the insurance company will compensate the medical expenses and disability compensation of the vehicle.
Theft and robbery insurance
The insurance liability of theft and robbery includes the compensation in the case of vehicle theft and robbery.
Home auto insurance claims process
Report a case to the police
In the event of an accident in the vehicle, the owner needs to report the case in time and submit a claim application to the insurance company.
Claims investigation
The insurance company will investigate the accident, including viewing the accident scene and understanding the circumstances of the accident.
Settlement of claims
After the claim investigation, the insurance company will compensate according to the insurance liability and the insurance amount.
Conclusion
Home auto insurance is an insurance program designed for multiple cars owned by a family. In the family car insurance, there are usually many types of insurance, such as vehicle damage insurance, third party liability insurance, theft insurance and so on. When choosing family car insurance, it is necessary to consider various factors, such as vehicle model, frequency of use, driving route, etc., and choose the most suitable insurance plan for yourself. In the process of claims, the owner needs to report the case in time and submit a claim application to the insurance company in order to obtain timely compensation.
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