In addition to Type A, Type B, and Type C auto body insurance, it turns out there is also Type D? Is there an upper limit for Type C car body insurance? Today’s article is dedicated to car owners who are interested in Type C auto body insurance. By the way, I will introduce the limited Type C auto body insurance that has been on sale since February 2010. "Type C auto body insurance" and "limited type C auto body insurance" are both called type C, but there is a difference when the word "limit" is added. What is the specific difference between these two types of auto body insurance? Now let’s find out ~
Compensate for your car's car insurance - body insurance
In addition to the parts where people are injured, insurance can help, and if the car is damaged, insurance can also help. Body insurance is insurance for cars. When a car owner accidentally gets into an accident, if his car is damaged due to the accident, for example, if the car collides with another vehicle, causing a serious dent in the front of the car, at this time, if the car owner has car body insurance, as long as it is within the coverage of the car body insurance, Within the period, the cost of repairing your car can be covered by your insurance.
Type C auto body insurance claim range
Type C protection coverage is very simple - it only pays for car collision accidents.
If you do some research on auto body insurance online first, you will find that many people buy Type B auto body insurance in the first year. However, the premium of Type B auto body insurance may deter many new car owners from purchasing it. ;Compared with Type B, the premium of Type C auto body insurance is much cheaper.
Type C car body insurance will only pay out if the insurance company collides with another car, such as two cars colliding with each other, a car behind you, collision with other vehicles, collision with a motorcycle, etc. Type C car body insurance Physical insurance can be activated.
If a car owner hits a divider due to a slip on the road due to rain, the repair fee may exceed 10,000 yuan depending on the extent of the impact and the value of the car itself. However, when you buy Type C car body insurance, the situation of the car hitting an object is not included in it. Within the scope of coverage, the car owner has no way to apply for a claim from the insurance company and can only pay for the repair of the car himself; if it is a Type B car body insurance, it will cover the above-mentioned accident of self-collision on the separation island.
The premium for Type B is more expensive because it has more protection items to cover self-collision, fire, etc. However, the probability of these situations happening is small, so it is better to save money. Type C is enough to cover the most common accidents in urban areas. Car collision accident. If you happen to live in an urban area and drive to and from work during general public commuting hours, so you are more likely to encounter car-car collisions, then Type C body insurance will be particularly suitable for you.
What is limited type C auto body insurance? What is the difference between insurance and Type C car body insurance?
In addition to Type C car body insurance, you may also have heard of limited Type C car body insurance. Some people also call it Type D car body insurance or limited car collision insurance. Limit Type C auto body insurance is just like its name: "Type C" means that it has the same coverage as the Type C auto body insurance mentioned above; adding "limit" in front of "Type C" means the same coverage There will be an upper limit on the scope and amount of coverage.
If the car owner encounters a car accident, the repair cost of the car is estimated to be 300,000. The Type C body insurance has a coverage of 600,000, and the repair cost of 300,000 will be paid directly by the insurance company. When the car owner insures a type C car body insurance with a limit of 100,000, and encounters the same car collision accident, the original type C car body insurance will fully compensate the 300,000 yuan, but this has exceeded the limit of type C car body insurance. 100,000, and the insurance company will not pay claims for amounts exceeding the upper limit. It will only compensate the car owner for the claim amount of 100,000. The remaining 200,000 is the amount borne by the car owner.
Compared with Type C auto body insurance, the coverage of limited Type C auto body insurance remains unchanged, but the amount of protection is reduced. Most people will choose limited Type C auto body insurance with this performance when the car is older. Since the value of the car is not much after depreciation, and the insured claim amount becomes lower, the insurance premium will also become cheaper. At this time, car owners who do not want to spend too much premium cost on the old car, if they want the car to be involved in an accident, If it can be protected, there is a high chance that you will buy limited type C auto body insurance.
At present, companies such as Xin'an Tokio Marine & Casualty Insurance, Cathay Pacific Property & Casualty Insurance and Taiwan Products all provide online Type C auto body insurance and limited Type C auto body insurance for car owners to choose from.
Whether you want to protect Type C or limit Type C, the difference lies in whether you can decide the upper limit of claims by yourself.
After the explanation in the previous paragraph, when we see "type C" and "upper limit" appear at the same time, we can know that we are talking about limited type C car body insurance (or type D car body insurance, limited car collision insurance).
There is actually a ceiling for the insured amount of Type C auto body insurance, but you cannot choose the amount of the ceiling. This is because the amount of auto body insurance is basically determined by the car price, and the premium is directly determined by the car price and the car owner’s relevant information. Calculated fees.
Therefore, the price of type C auto body insurance will be affected by the car model, age, age, gender and compensation record of the car owner. We used Xin'an Tokio Marine Property Insurance to calculate the cost for women aged between 30 and 59 years old in 3 years. Assuming no accident, the car model is 2024 Toyota Altis (745,000). If you add Type C body insurance, the original price is 8,870 yuan, but if you switch to online insurance, the price is only 7,273 yuan!
Under the same conditions, the price of Type B automobile body insurance is about 12,837 to 16,165 yuan depending on the deductible amount. The price difference when converted into Type B and Type C insurance can reach 5,500 to 9,000 yuan.
Insurance companies have divided car body insurance products with different coverages based on different accidents. Car owners can consider the coverage they need based on their driving conditions and vehicle age. You can also take a look at the lottery activities that many insurance companies have for online insurance. Online insurance not only offers exclusive network discounts, but also has the opportunity to win home appliances, 3C products, store coupons... and other prizes! After all, the actual insurance cost is calculated based on the car owner’s personal situation, so it is recommended that you go directly to the insurance company’s website for an online trial calculation.