车子刮了能用交强险吗
Introduction
One of the unfortunate things about owning a car is the risk of getting into an accident. When a car gets scratched or damaged, the first question that comes to mind is whether the compulsory traffic insurance is applicable to cover the damage. If you're unsure about what to do when your car gets scratched or damaged, this article aims to provide some helpful information regarding getting your car insured and using the compulsory traffic insurance to cover damage costs.
What is Compulsory Traffic Insurance?
Compulsory Traffic Insurance (CTI), also known as statutory motor insurance, is required by law in many countries, including China, to protect both drivers and third-party passengers from accidents on the road. This type of insurance covers the car owner against any liability in the event of accidents caused by their car. The policy covers damage to third-party vehicles, property, and personal injury compensation. The CTI is compulsory, and without it, car owners are at risk of hefty fines and facing legal troubles.
Can You Use CTI for Car Scratches?
While CTI is mandatory, it only covers the car owner against damage caused to other vehicles, property, and personal injury claims. Therefore, if your car gets scratched or damaged in an accident, you cannot use the CTI to pay for the repair. However, if a third-party vehicle causes the damage, and you have CTI, you can use this insurance to cover the cost of repairing your vehicle. It is essential to have a police report at the time of the incident to file the insurance claim properly.
What is Collision Insurance?
Collision insurance, also known as comprehensive insurance, is an optional insurance policy in China that helps cover the cost of repairing or replacing a car after an accident, theft, vandalism or natural disasters. This type of insurance is typically offered by insurance companies and must be purchased separately from the CTI. Collision insurance covers damage to your vehicle or any other vehicle damaged in the accident, regardless of who is at fault. It's important to note that collision insurance has a deductible, and the insurance company won't pay more than the limit specified in the policy.
Conclusion
In conclusion, CTI is a mandatory insurance policy that covers the owner of the vehicle against third-party liability only. Therefore, CTI is of no use in the event of scratches or minor damage to the car itself. Collision insurance is an optional policy that covers damages to the car, regardless of who is at fault. It's always better to have comprehensive insurance to protect yourself financially from unexpected events. Ultimately, the best way to handle a car accident is to be prepared, stay calm, and follow all the necessary procedures to file an insurance claim correctly.
