碰撞险包括哪些险别?
碰撞 报道 may extend beyond your own vehicle, regardless of who causes the accident. 它包括:
- 临时替代汽车
- 最近获得的汽车
- Cars you're using that aren't owned by anyone in your household or your employer
It provides 报道 to your vehicle if it:
- 与另一辆车相撞
- 撞上一个对象
- 在滚
什么是碰撞pp王者电子官网?
碰撞 报道 helps pay to fix or replace a car that's been damaged in a 碰撞 with another vehicle, object, 或者是翻转.
什么事故pp王者电子官网不包括在内?
Damage from sources like these aren't covered by 碰撞 insurance:
- Injuries to other people or damage to others’ property
- Weather conditions such as wind damage from hurricanes, flood, hail, 和 falling objects
- Total or partial car theft 和 v和alism
- 打动物或被动物打
- 火灾和爆炸
- 暴动:由国内动乱或暴动引起的暴力
To insure against dangers like these, choose 全面的覆盖.
碰撞pp王者电子官网vs. 综合pp王者电子官网
What’s the difference between the two 报道s?
碰撞 |
全面的 |
|
|---|---|---|
| 碰撞或车辆侧翻 |
||
偷来的 |
||
Damage caused by fire, wind, hail, flood, theft, v和alism, falling objects, 和 hitting an animal |
||
需要免赔额 |
碰撞 |
全面的 |
|
|---|---|---|
| 碰撞或车辆侧翻 |
||
偷来的 |
||
Damage caused by fire, wind, hail, flood, theft, v和alism, falling objects, 和 hitting an animal |
||
需要免赔额 |
碰撞 |
全面的 |
|
|---|---|---|
| 碰撞或车辆侧翻 |
||
偷来的 |
||
Damage caused by fire, wind, hail, flood, theft, v和alism, falling objects, 和 hitting an animal |
||
需要免赔额 |
Frequently asked questions about 碰撞 报道
While “full 报道” isn’t a defined offering across providers, many use the term as a package of 报道s that provides protection for losses involving the ownership or use of vehicles. It may include liability, medical payments, 和 physical damage 报道, such as 全面的 和 碰撞 报道. Keep in mind t在这里 are optional 报道s like 租赁 和 紧急路边服务 你也可以考虑一下.
Consider how much of a loss you are willing to pay, 比如免赔额, 以换取减少保费. Has your car decreased enough in value to consider omitting or dropping 碰撞 报道?
碰撞 报道 generally does cost more than 全面的覆盖. But you can lower your premium with a higher deductible if you can cover higher out-of-pocket expenses.
It’s a good idea to have 碰撞 报道, but it is not required by law in any state. It may be required by your lender if you are leasing or still owe car payments.
这取决于你的车的价值. 许多人喜欢为新车投保, 但是随着汽车的老化, 它们的价值降低了, 和 you might consider omitting or dropping this 报道 to save money on your 汽车pp王者电子官网.
To determine if you should purchase 碰撞 报道, estimate the approximate value of your vehicle through an online resource. A 州立农场代理 can help you determine the value of your vehicle along with how much extra you'd pay to add 碰撞 报道.
如果你遭受损失, your 报道 pays to repair the vehicle or the actual cash value of the vehicle minus the deductible that you choose. You determine how much you want to pay out of pocket.
覆盖选项, 免赔额, 和 discounts may affect your policy cost, along with such things as your driving history, 信用评分(如法律允许), 以及其他影响利率的信息.
With many 报道s, you choose a deductible 和 how much it is.
- A deductible is the amount you agree to pay before your policy pays 报道 benefits.
- Higher 免赔额 lower your premium but increase how much you must pay out of your own pocket if a loss occurs.
找个懂你的当地探员
T在这里’s a 州立农场代理 ready to offer personalized service to fit your specific needs.
相关pp王者电子官网范围
简单的见解®
寻找更多关于电动汽车的信息? 你来对地方了.文章从 简单的见解 draw on over 100 years of State Farm knowledge.
State Farm (including State Farm Mutual Automobile pp王者电子官网 Company 和 its subsidiaries 和 affiliates) is not responsible for, 不赞同或赞同, 隐式或显式, the content of any 第三方网站s hyperlinked from this page. 州立农业pp王者电子官网公司无权改变, 更新, or control the content on the hyperlinked, 第三方网站. Access to 第三方网站s is at the user's own risk, is being provided for informational purposes only 和 is not a solicitation to buy or sell any of the products which may be referenced on such 第三方网站s.
Please remember that the preceding descriptions contain only a general description of available 报道s 和 are not a statement of contract. All 报道s are subject to all policy provisions 和 applicable endorsements. 覆盖范围可能因州而异. To learn more about 汽车pp王者电子官网 报道 in your state, contact your 州立农场代理.
State Farm Mutual Automobile pp王者电子官网 Company
国家农场赔偿公司
布卢明顿,
State Farm County Mutual pp王者电子官网 Company of Texas
理查森,TX