1, car damage insurance full liability compensation amount limit in accordance with the insurance amount and the purchase price of a new car for comparison, in accordance with the principle of the lower, and then deducted depreciation and residual value of the amount to be calculated. The limit of compensation for death and disability is 110,000 yuan, the limit of compensation for medical expenses is 10,000 yuan, and the limit of compensation for property damage is 2,000 yuan.
2, the legal basis: "People's Insurance Motor Vehicle Damage Insurance Terms" Article 7
The insurer is not responsible for compensation for the insured vehicle's following losses and expenses:
(a) natural wear and tear, rotting, malfunctioning, and tires alone;
(b) glass alone broken, no obvious signs of collision body scratches;
(c) (iii) Losses caused by artificial direct oil supply and high temperature baking;
(iv) Losses caused by spontaneous combustion and fire of unknown origin;
(v) Losses within the scope of insurance liability, and then continue to use the car without the necessary repairs, resulting in the expansion of the loss of the portion of the car;
(vi) Losses due to pollution (including radioactive pollution);
(vii) Losses due to changes in market prices, depreciation of the car's value and the loss of the car's value of the car's bodywork. (viii) Losses due to pollution (including radioactive pollution);
(viii) Losses due to depreciation of value due to changes in market prices, and losses due to reduction in value after repairs;
(viii) Losses due to uninsured additions to the vehicle other than the standard equipment;
(ix) Damage to the engine due to starting the vehicle in water that has flooded the exhaust pipe or air intake pipe, or starting the vehicle after flooding without the necessary treatment;
(x) Fall of the goods carried by the insured vehicle, collapse, impact, leakage;
(xi) loss caused by overturning of the motorcycle while it is parked;
(xii) theft, robbery, snatching, and damage or loss of spare parts or appurtenances on the vehicle as a result of theft, robbery, snatching;
(xiii) loss caused by intentional acts of the insured or the driver.
Two, what is the process of car damage insurance claims
1, motorists in the incident reported within 48 hours;
2, the insurance company for the investigation and determination of damage, the inspector in the insurance company within 1 working day after the notification of the internal affairs of the completion of on-site investigation and inspection;
3, signing and reviewing the claim documents;
4, the calculation review
5, the insurance company for approval;
6, claims settlement.