Why do so many people buy Type B body insurance for their new cars in the first year? Obviously, there is no compensation for car damage caused by typhoons that Taiwan must experience every year, and there is no compensation for car exterior scratches due to unknown reasons. But when people choose car body insurance, they often decide to buy Type B car body insurance in the end? We will introduce the advantages, disadvantages and cost-effectiveness of Type B car body insurance now!

Type B car body insurance coverage:

Collision, overturning.
fire.
Lightning, lightning strikes.
explode.
Thrown or falling objects.

Type B car body insurance coverage 1: In addition to vehicle collision, there are also these protections
"Collision" can also be divided into car-car collision and car-object collision. The former car-car collision, whether your car collides with a car or a motorcycle, collides with a car or a motorcycle, causes a collision or a side collision, causing your car to Dents and scratches are all considered to be car-to-car collisions; the latter type of car-to-car collisions, such as the car hitting telephone poles, trees or safety islands, etc., are all common situations where cars and objects are to collide with each other, and this is also the case for everyone. Often referred to as "self-bumping".

Many people may think: "People who can hit themselves shouldn't be on the road in the first place." However, sometimes it is really not the owner's driving skills that are the problem. It may be that he has just bought a new car and is not familiar with the conditions of the car, or that fatigue driving leads to evasion. Not as good as the object in front... etc. In short, no matter what the reason is, if the car accidentally hits an object, if the car owner initially insures Type B car body insurance, he does not have to worry about self-collision car body insurance. To compensate, you can call the police and notify the insurance company as soon as possible.

The most common example of "overturning" is when a car owner is driving when it is raining and the road is slippery. As a result, the car slips and overturns, causing damage to the body. Sometimes it may be due to fatigue driving, sometimes it may be that there are children or small animals on the road suddenly. Although you respond in time, the road is slippery due to rain and it is difficult to control. As a result, it is not uncommon for the car to skid and overturn.

Type B car body insurance coverage 2: If it does happen, the damage will be no less
The following points may be less common than car collisions, collisions with objects, or overturning incidents; but if your car does encounter a fire, explosion, or falling object, it is even rarer for the car body to have only minor injuries. .

"Fire", if the car body is damaged due to fire, it is one of the coverages of Type B car body insurance.

"Explosion", for example, when a gas explosion occurs around the car and the car is blown up and the body is completely destroyed, it is considered damage to the car due to the explosion.

"Thrown or falling objects". When a car passes through a construction site, there is a high chance that it will encounter falling objects and crush the roof. This is also covered by Type B car body insurance.

"Lightning, lightning strike", if the car is hit by lightning or lightning strike, the whole car will be completely damaged. If you have insured Type B car body insurance in advance, you don't have to worry about the repair costs caused by this problem.

Remind all car owners: Vehicle damage caused by our common natural disasters, such as typhoons, earthquakes, floods, etc., does not fall within the scope of claims for body insurance. If you are worried about your car being damaged by these natural disasters, some insurance companies can provide car protection against natural disasters through the "typhoon, earthquake, tsunami, hail, flood or water due to rain" additional clause.

When choosing car body insurance, Type B car body insurance only covers more "vehicle collisions" than Type C car body insurance, so many new car owners do not have to worry about being unprotected in the event of a self-collision; compared to Type A car body insurance Type B car body insurance only lacks one protection item, "unknown reasons/unfaithful acts of third parties", but the premium is only about half of that of Type A car body insurance. Regardless of the coverage items or the premium amount, Type B body insurance is a very cost-effective choice for many new car owners.