As a result, the importance of body insurance is not lower than third-party insurance !!!
In the car insurance policy, the insurer's liability (insurance company) is the insurance indemnity for the car itself, which means, for example, that the insurer (insurance company) undertakes to insure the vehicle if, due to any incident covered by the insurance policy, the car insurance Includes theft or damage caused by an accident and fire, compensation for the damage sustained.
Car insurance compensates for the damage caused by accidents that occur for car insurance and usually includes three major risks (accident, fire, and theft) in normal insurance policies.
the accident
Accident: It is an accident involving two cars with each other, or a car collision with a fixed or moving object, or another object collision with a car insured or reversed, and a fall and deviation of insurance coverage due to road accidents.
fire
Fire: Lightning and explosion are also the main risks covered by this insurance policy, and if the car gets a fire, the damage will be compensated.
Theft
The following are covered by the following:
1- The car or its additional equipment will be completely stolen and no longer be discovered.
2. The stolen car will be discovered and, once discovered, it has been stolen or stolen from car insurance.
Types of supplementary and additional body finishes:
Other risks can also be covered, in addition to the main risks of the insured (accident, fire and theft). The insurer can receive additional insurance and supplementary cover from the Iranian insurance company with a small premium. These coatings include:
Stealing in place of vehicle parts and accessories
If only car accessories (not total car stolen) are stolen, only theft is considered to be (partial) and, as previously stated, this damage is not compensable for the underlying risks. In this case, the insurer may, at the time of issuance of the insurance policy, request a cover for theft in a place for certain items such as radio broadcasting, rims, tires, etc. After a visit by an expert with a very detailed premium payment of the components and equipment covered by the insurance theft Will be in place.
It should be noted that the value of the total amount of items covered by theft in the place will not exceed 20% of the total capital (car insurance).
Defeat the glass alone
By requesting the insurer and paying a partial premium, the damage caused by the failure of the glass alone and other than the main hazards, such as failure due to temperature change and compression of air inside the vehicle, is subject to additional risks and can be compensated.
Repairs compensation
In the event that the insured vehicle ceases to perform repairs and repairs and performs the expert work for a period of time necessarily in the repair shop, then the insurer will be liable to compensate for the costs incurred and not to use the damaged car during the useful period of the work. The supplement is covered by a small premium payment when issuing an insurance policy.
It should be noted that the maximum insurer's obligations for this supplementary cover are 30 days, and the useful stop in the repair shop is agreed upon by the insurer and the insurer and approved by the insurer, which will run from the beginning of the repair and reconstruction until the end of it. But the compensation for the first three days of repairs will be deductible.
natural disaster
Applying for an insurer and paying a premium may also be covered by car insurance (flood, earthquake, volcano).
Dangers of chemical substances
Compensation for acid and paint and chemicals on the body of the car can also be added to the risks of car insurance with the insurer's request and a premium payment.
Important explanations about car insurance
The insured must be insured at the price of the day so that the insurer will compensate for the partial and total losses actually incurred by the insurer by acquiring the actual insurance premium. Therefore, it is recommended that the vehicle be sure to comply with the price of the day, along with additional equipment, insured by the insured expert and subject to the insurance of the body. It should be noted that the best criterion of valuing the price of cars in the body of insurance expert expert of the insurance company It is merely a consulting aspect.
Any changes in the use of the insurance must reach the insurance company.
Non-Damage Disclaimer Body Insurance
The beginning of the second year is 25%
The beginning of the third year is 35%
The beginning of the fourth year is 45%
The beginning of the fifth year is 60%
