After the accident, the front of Rolls-Royce Cullinan was obviously damaged, including two headlight groups and hood assembly, and antifreeze leaked from the ground. Almost all airbags in the car have been opened, including the driver and passenger, legs and side air curtains.
Soon, netizens published the damaged Cullinan maintenance list of this new car suspected to be close to 8 million yuan on the Internet.
According to the maintenance list of Rolls-Royce Cullinan, it can be seen that the initial maintenance cost of this traffic accident is as high as 2.377 million yuan, which does not include the working hours of the maintenance project. If working hours are included, the maintenance price is expected to exceed 2.5 million yuan, which is close to 1/3 of the new car price.
Customized version of the flying goddess LOGO 200,000 yuan;
Hood assembly 165438+ ten thousand yuan;
A set of front bumper assembly is 330,000 yuan;
The price of China Net is 6.5438+0.3 million yuan;
Front windshield 1.2 million yuan;
The left and right headlight groups are each 85,000 yuan;
The left front fender is 73,000 yuan;
The main/co-pilot airbags add up to 6.5438+0.33 million yuan. ...
In a word, I have never seen such an inhuman price list. If you want to be a Cullinan car owner, this psychological quality must be good.
It is reported that the three-person insurance of Changan van is 500,000 yuan. Once the traffic police determine that the van is fully responsible, the insurance company of the van can only pay a "repair fee" of 500,000 yuan, and the rest can only be negotiated by the two owners. The insurance company in Cullinan doesn't have to bear any expenses. This unlicensed Rolls-Royce Cullinan only traveled about 520 kilometers. This is a new car that has just been mentioned. Temporary license plates are hung on the front and rear windows. I wonder how the owner of this luxury car feels now?
We will also report the subsequent results. In addition to showing you the sky-high maintenance fee of Rolls-Royce, I will also give you a knowledge point about why most luxury cars don't have car damage insurance. In fact, not only Rolls-Royce, but also Bentley, Lamborghini and Ferrari you see on the road may be sky-high maintenance fees. You must keep a safe distance on the road, otherwise even if your car has three risks of 6.5438+0 million yuan, it may not be enough to compensate.
It can be simply summarized as follows: ultra-luxury brand cars on the road should be as far away as possible.
At this moment, there will be many question marks in your mind? "Why don't ultra-luxury brands buy car damage insurance?" "Local tyrants are so arrogant?" When the car is driving on the expressway, traffic accidents may occur. The other party's three risks are not enough to repair the car. What if your car doesn't have car damage insurance?
In fact, it is not that these car owners are unwilling to insure their cars against car damage, but that most insurance companies have cut off this part of their business.
There are several specific reasons:
1, the maintenance cost of luxury cars is too high, and the ratio of zero to whole is beyond the cognitive range of many people. If the insured vehicle has a traffic accident, the insurance company will get sky-high maintenance fees, such as Rolls-Royce Cullinan above. In fact, from the outside, Cullinan is not so miserable. Even the engine compartment only needs to replace the water tank and radiator, which has actually cost more than 2 million yuan for maintenance. Imagine which insurance company dares to do such business?
2. Most car owners will have such a mentality when they take out the three-insurance policy, "This unfortunate thing can't happen to me", and 1 10,000 is basically the largest insurance coverage for many car owners. Most luxury cars have traffic accidents, and the maintenance cost will easily exceed 1 10,000, which is also the coverage of the three insurances, resulting in the car damage insurance of luxury cars being ignored. ?
3. From the owner's point of view, how much is the car damage insurance for luxury cars in one year? This topic is very interesting. If calculated according to the price of Tianzhu 7.8 million, the car damage insurance price of 1 year is probably a little more than 1 10,000 yuan, but 1 10,000 yuan can't even afford a customized version of the flying goddess logo. Isn't it embarrassing? The insurance company doesn't set your car damage insurance premium according to the actual car price. If the insurance company charges you 800,000/year car damage insurance, will the owner of Tianxi agree?
Insurance companies should guard against moral hazard, so what is moral hazard? I talked to a senior employee in the insurance industry, and there was a case of driving a million-class SUV to defraud insurance. This SUV model relied on car damage insurance and deliberately hit a taxi that violated traffic regulations. Judging from the monitoring records of two months, more than 40 vicious incidents of "fraudulent insurance" were actually discovered. Insurance companies are worried about luxury cars with more than 5 million yuan.
So, is the insurance of luxury cars an unsolved problem? Not really!
Under the following circumstances, the insurance company may provide car damage insurance for luxury cars.
1. This insurance company is big enough to have enough samples of luxury cars. The insurance company will also calculate a reasonable price according to the mathematical model. As long as the income exceeds the loss, it will hand over the car damage insurance to luxury cars, but few auto insurance companies have such courage.
2. Several auto insurance companies jointly provide car damage insurance for luxury cars, but only if the price of car damage insurance is appropriate. It is impossible for a single small company to provide car damage insurance for luxury cars. If the economic strength does not allow, the owner will be very cautious.
In both cases, very detailed terms will be attached before implementation. For example, if you want to drive your Lamborghini to Tibet, the driving environment is very bad, and the chances of vehicle damage will increase. Insurance companies are bound to limit your mileage, and then formulate targeted car damage insurance strategies according to the actual situation, otherwise it is easy to lose more than gain.
Are there any wonderful cases about automobile insurance around you? Welcome to leave a message to share!
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.