Loss insurance car scratch

The first scope of coverage
Motor vehicle insured loss insurance may cover the insured vehicle.
The second insurance
Coverage of this insurance, motor vehicles, malicious acts of others caused by man-made scratches on the body of vehicles insured, the insurer for compensation according to the actual loss calculation.
Article liability exemption
Insurance of vehicles following the loss, the insurer is not liable for:
(A) the insured or the driver's intentional act caused the loss of insured vehicles;
(B) another person for the driver and the insured person or their family members occurred in civil and economic disputes caused by the loss of insured vehicles;
(C) of the body surface of natural aging, damage;
(D) Other areas of responsibility does not belong to the insurance losses and expenses.
Article compensation deal
This insurance compensation were each responsible for the accident to implement in excess of 20%, according to the Lord in excess of applicable insurance contract.