What if the new car is scrapped?

Scraped cars can be insured, which is a kind of vehicle accident insurance.

It is best for the owner to keep the on-site evidence and report the case to the insurance company within 48 hours. If it exceeds 48 hours, the owner needs to bring relevant materials to the insurance company to report the case.

However, if it is a minor scratch, the user can handle it by himself. When the owner renews the insurance next year, the risk of the insurance company will affect the auto insurance rate. So, according to this question, let me help you analyze whether you need insurance.

Let's talk about how much it will cost first. If the scratch is serious, it must be painted. Generally speaking, there are about 300 repair shops outside for cars under 20w, and pearl paint on the market is more expensive, which is about twice as expensive as 4s shops. Cars from 20 to 400,000 to 500,000 must be more than 500, and 4s stores must be more than 800, except for the garage that is familiar with it.

However, if it is a minor scratch, the owner can save himself. First, remove the rust and rust on the surface. After the car is cleaned and dried, apply rust remover to the scratches. After about a quarter of an hour, wipe off the rust remover and apply the rust inhibitor. After applying rust inhibitor, wait a few minutes before spraying self-painting. Cover the logo with newspaper before painting, dry it naturally after painting, and finally wax it.

In addition, if it is necessary to paint, do you need insurance or pay for it yourself? In general, insurance is divided into compulsory insurance and commercial insurance. The property compensation limit of compulsory insurance is 2000, which will be increased by 100 the year after the accident, and so on. If it is tripled, it will be capped. In fact, what I want to say is that the risk of this compulsory insurance has nothing to do with the number of times, but with the amount. If you take commercial insurance in your daily life, in fact, the money you spend after careful calculation is similar to your own money. The difference is that commercial insurance is more like installment payment.

Summary: some small accidents are more cost-effective, but you must pay attention to the amount, otherwise it will be a headache ~ why not take commercial insurance? Quite simply, the discount rate of commercial insurance is calculated according to the number of accidents. If you take commercial insurance for a relatively small accident, you may spend more money than repairing your own car, which is not worth the loss.

Finally, drive carefully. During driving, keep your own lane, don't merge lines repeatedly, and don't press lines. Especially when driving on congested roads, you must drive at a low speed in your own lane, and pay attention to observing the traffic environment around the vehicle through the rearview mirror and turning around to prevent rubbing.