How do I apply for insurance if my skylight is broken? 10 days of hot topics and practical guides across the Internet
Recently, "broken sunroof" has become one of the hot topics in automobile insurance consultation. Based on hot data from the entire network in the past 10 days, this article will sort out the insurance claims process for sunroof damage, and attach relevant cases and precautions.
1. Top 5 hot automotive topics on the Internet in the past 10 days
| Ranking | topic | heat index | Related keywords |
|---|---|---|---|
| 1 | New energy car insurance prices increase | 92,000 | Premium Calculation/Battery Repair |
| 2 | Causes of self-explosion of skylights | 68,000 | Glass quality/temperature changes |
| 3 | Insurance claims time limit | 54,000 | Material preparation/fast track |
| 4 | Third Party Liability Insurance Adjustments | 47,000 | Compensation limit/interpretation of new regulations |
| 5 | Roadside assistance services comparison | 39,000 | Free times/coverage |
2. The whole process of claim settlement for broken sunroof
1.On-site treatment: Immediately take panoramic photos of the damaged area (including license plate) and record the time, location and weather conditions. If it is caused by falling objects, relevant evidence needs to be preserved.
2.Insurance report: To report a case through the insurance company APP or by phone, you need to prepare the following materials:
| Material type | Specific requirements | Remarks |
|---|---|---|
| vehicle documents | Original driving license and driving license | Electronic version is also available |
| accident proof | Issued by the traffic control department or property management department | Not required but recommended |
| list of losses | 4S shop maintenance quotation | Need to be stamped |
3.Loss assessment: The insurance company will handle it differently according to the type of skylight:
| Skylight type | average repair cost | Insurance coverage |
|---|---|---|
| Ordinary electric sunroof | 2000-5000 yuan | Full compensation for car damage insurance |
| panoramic sunroof | 8,000-15,000 yuan | Additional glass insurance required |
3. Dispute handling and matters needing attention
1.Self-explosion controversy: If external factors are excluded, you can contact the car manufacturer for warranty. Recently, a certain brand has initiated a recall due to defective sunroof glass.
2.Disclaimer: Compensation may be refused under the following circumstances:
| Denial of compensation | solution |
|---|---|
| Vehicles without annual inspection | Reconsideration after annual inspection |
| intentional damage | Forensic appraisal appeal |
| Damage caused by modification | Restore original factory configuration |
4. The latest data on sunroof claims in 2023
| area | average processing time | Compensation success rate | Typical cases |
|---|---|---|---|
| East China | 3.2 working days | 92% | Hail damaged skylight |
| South China | 4.5 working days | 85% | Typhoon falling objects |
| North China | 2.8 working days | 89% | high altitude parabola |
Warm reminder:During the high temperature period in summer, it is recommended to use sunshades when parking to avoid stress cracks in the skylight glass due to excessive temperature differences. If you encounter a claim dispute, you can call the 12378 China Banking and Insurance Regulatory Commission hotline to lodge a complaint.
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