What to do if car parts are stolen in the community?

2023-12-05 08:01:07

The car was parked in a parking space in his own community. Although a ground lock was installed, it could not prevent the vehicle parts from being stolen. This makes many car owners feel very helpless while being angry. What should I do if car parts are stolen in my community?

After purchasing a car, many car owners will purchase some additional insurance in addition to car insurance. The more common one is vehicle theft insurance, because this type of insurance can compensate for the theft of the entire vehicle. The insurance liability covers the loss of the entire vehicle caused by theft, robbery, or robbery, as well as the reasonable costs of repairing the damage caused during the theft, robbery, or robbery, or the loss of vehicle parts and ancillary equipment.

But at the same time, everyone should also know that the compensation for vehicle theft is not 100% and needs to be determined based on the actual situation. Many car owners do not even receive compensation. The scope of theft and rescue operations should include the entire vehicle, tires, doors, lights and other parts. In fact, the probability of stealing a complete vehicle is lower than that of stealing auto parts. The insurance company’s explanation that compensation must be paid only if the complete vehicle is stolen is untenable. This clause is unfair.

The Insurance Law was enacted to ensure the reasonable and orderly development of the insurance industry, while strengthening the protection of the interests of the insured, that is, consumers. The current scope of compensation for theft insurance is obviously contrary to this spirit.