Excavator insurance knowledge        

Excavators generally cost higher, and the working environment is usually bad environment, may cause collisions, overturning, and even falling mountains and other accidents, which will not only cause damage to the equipment itself, serious people may cause casualties, so the insurance on the excavator is necessary. For compensation or equipment damage to personal property and casualty compensation, this is different from the two, today we are talking about is in the case of engineering machinery and equipment damage caused by the accident risk, to explain to the user notices some of the key aspects of the claim process, we hope to help users claim, maintain user rights.

1, you should pay attention to the insurance misunderstanding

A misunderstanding: the full protection and full compensation

"The word does not exist all risks in the insurance company and the relevant national laws, just a habit of people. People used to be several major categories including compulsory insurance and commercial three party insurance, non deductible insurance, car damage insurance, pilfer, car insurance and other personnel, generally referred to as "all risks", in addition to several major categories, there are a lot of related accessories products. Therefore, the "whole insurance" is not equal to the total compensation.

Misunderstanding two: the higher the value of the vehicle insurance claim amount is higher after day

If you are a new car insurance, then the amount of vehicle insurance will be in accordance with the actual vehicle sales price, and if you continue insurance, then the amount of vehicle insurance will be in accordance with the current new car sales or second-hand car sales price insurance. So you when the insured vehicle insurance amount should be according to the actual value of the insured vehicle, full insurance, to ensure that at the time of the accident can get reasonable compensation. Don't over insure, because over insurance doesn't get extra compensation, it's just a waste of money.

Misunderstanding three: the purchase of non deductible and full compensation

In the insurance, many owners will choose not to pay. After the purchase of non deductible special insurance, not all accidents will be paid 100 percent, or there are some special accidents, insurance companies will be specific for certain accidents set a separate franchise, and these franchise does not belong to the scope of non deductible. For example, many claims beyond the scope of driving, overloading of vehicles, generally with franchise chains.

Misunderstanding four: the loss of vehicle accessories and all replacement parts

After the dangerous condition of the vehicle insurance, not all losses can replace the accessories processing, for those who can repair the accessories, the insurance company will mainly repair according to the insurance law, after the repair of customers can repair parts approval.

Misunderstanding five: not to lose out

A lot of customers because of danger danger after, nervous, at a loss within 48 hours, did not report to the police and insurance companies report afterwards sounded report to the police and insurance companies, leading to the traffic police and insurance companies are unable to verify the authenticity of the accident, the insurance company can easily think is a fake site without payment.

2. Comprehensive insurance of construction machinery and equipment

Comprehensive insurance of construction machinery and equipment is a special property insurance. The insurance includes primary insurance and additional insurance, insurance and property insurance underwriting principal responsibility is consistent, additional risks include overturning, third party liability, robbery, spontaneous and employer liability of collision, the collision overturning high additional liability risk, especially the cranes, excavators, rotary drilling rig and other mountain operation targets, caused by overturning loss the frequent accident. The main sources of insurance include construction machinery and equipment manufacturers, dealers, banks, financial leasing companies, equipment owners and other channels.

The above on the excavator insurance knowledge, the main machine is very useful, to understand the knowledge, you will not appear in their own machines after the accident at a loss.