[险种释义]基本险车辆损失险保险范围1.因下列原因造成保险车辆的损失,保险公司负责赔偿:碰撞、倾覆;火灾、爆炸;外界物体倒塌或坠落、保险车辆行驶中平行坠落;雷击、暴风、龙卷风、暴雨、洪水、海啸、地陷、冰陷、崖崩、雪崩、雹灾、泥石流、滑坡;载运保险车辆的渡船遭受前项所列自然灾害(只限于有驾驶员随车照料者)。2.发生保险事故时,被保险公司或其允许的合格驾驶员对保险车辆采取施救、保护措施或就近将其移送至修车场所支出的必要的、合理的费用。保险金额由投保人和保险公司选择以下3种方式之一协商确定:按投保时的新 [Definition of insurance] Basic insurance Vehicle loss insurance Coverage 1. The insurance company responsible for the loss of insurance vehicles due to the following reasons: collision, overturning; fire, explosion; collapse or fall of external objects, insurance vehicles traveling in parallel to fall; lightning, Storm, tornado, heavy rain, flood, tsunami, subsidence, ice fall, landslide, avalanche, hail disaster, debris flow, landslide; ferries carrying insurance vehicles are subject to the natural disasters listed in the preceding paragraph (only for drivers with car attendants) . 2. In the event of an insurance accident, the insured company or its approved qualified pilot shall take the necessary and reasonable expenses for rescue, protective measures or immediate removal to the car repair facility of the insurance vehicle. Insurance amount by the insured and the insurance company choose one of the following three ways to negotiate: By the new insurance