对于新车是否有必要买划痕险-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	对于新车是否有必要买划痕险
释义	法律分析：刚刚购买的新车最好是买划痕险，如果是经常露天停放，或者停放的地方经常有小孩玩耍，则建议车主无论新车还是旧车都应该购买，以保障安全。划痕险是车损险的附加险，即投保了机动车损失保险的，可投保划痕险。划痕险全称车身划痕损失险，家庭自用车辆、非营业车辆可投保，是指在保险期间内，保险车辆发生无明显碰撞痕迹的车身表面油漆单独划伤，保险公司按实际损失负责赔偿。法律依据：《机动车辆保险附加险条款》规定保险金额由保险人与被保险人在投保车辆的实际价值内协商确定。
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