A class of /B class /C class in terms

Auto A\B\C clause

Insurance clause is divided into class A, class B and class C, Chinese warranty is a safe, using the B class, the Pacific using C class, in terms of the general is the same, but the details are a little different.

The difference between --A, B, C insurance products three insurance clause

The current insurance clause and insurance companies are unified, is set by the Chinese Insurance Industry Association, the China Insurance Regulatory Commission approved the China. Unified insurance clause is divided into A, B, C three, the insurance company according to their own needs. The content of this three kinds of insurance clauses are different, the majority of owners do not just look at the price, should study carefully the relevant provisions, so as not to buy insurance to insurance. Our preliminary research results, the degree of protection of the insurer, A best, B the second, C the worst. B and C will be no compensation as a special clause of insurance shall not bear responsibility for the accident, C will not be liable for legal fees, legal fees, appraisal fees as a special clause.
Auto insurance including automobile physical damage insurance, three party insurance, pilfer rush to deal with an emergency and so on, all insurance companies in the choice of insurance clauses can only choose all A or B or C, that is to say, car damage insurance company insurance chose A, then other insurance clauses must also choose A.
Have a look first to A, B, C car caustic danger have what different?
One, the scope of compensation is different
1, in the natural disaster, B than A more storms and tornadoes, C than B increased the typhoon, tropical storm, snow, ice, dust storms in. In the natural disaster, the compensation scope A the narrow scope of compensation, the most wide C.
2, individual glass damage, A for any glass damage alone are not compensation, B and C for the skylight glass separate damage. In separate glass damage, compensation scope A the most narrow, not lose all.
Two, no compensation range
1, B and C are specified when the insured motor vehicle shall not bear responsibility for the accident, no compensation for the loss of motor vehicles, A has no such provisions. A is more favorable to the insurer, especially when the liability accident for non motor vehicles or pedestrians, or the responsible party although motor vehicles, but the responsible party seemed not to pay.
2, B expressly do not pay parking fees, custodial fees, buckle fare and a variety of fine;
C expressly provided no compensation for the attorney fees, litigation fees, arbitration fees, fines, penalties or punitive damages, and without the prior written consent of insurance inspection fees, appraisal fees, assessment fees.
A none of the above provisions. Therefore, A in this aspect of the insured is most favorable, C the most unfavorable.
3, B does not damage compensation single mirror or light, A and C without this provision. B the worst
Three, the exemption scope of different
The liability of family members caused the loss of personal property exemption, three slightly different terms
A: relieved of liability of the insured and the family members of the loss of personal property.
B: exemption from liability of the insured and members of their families, which allows the driver and members of their families and personal property losses.
C: exemption from liability of the insured and allows the driver property loss.
A market share reached 74.7%, the joint, Huatai, Cheonan, Yongan, earth, sun, Ampang and other 11 companies adopt A auto insurance, the company accounted for about 74.7% market share China insurance,

Ping An, Huaan, Taiping, Yongcheng, sunshine agriculture, Du Bang, Bohai, Guangzhou, CAS, Allianz 13 companies selected B models, the company accounted for about 13.7% market share China insurance;

First be sure the A clause must be the best, the B clause, clause C the worst.
The A clause protection, such as the smaller the day you window, mirror, car headlights, are guaranteed, the shortage is absolutely free pilfer 20% claims, is certainly not lost, this and what you know about the non deductible is different, don't be fooled.
The terms of the B security relative times, these little things are sure not to lose, plus he in each claim clause deductible portion, the same car has the absolute deductible, other secondary accidents deductible, so many
The terms of the C franchise, the safeguard project demanding

[a] a detailed insurance clause insurance clause

Time: 2012-10-23

   If it is to have a certain understanding of insurance friends will know, insurance is a clause is a kind of most of our country's insurance companies use ABC three clauses in the insurance. Because the insurance terms for a public user utility is wider, so we contact the most is class A in daily life terms.
   Is the most fundamental and the other two in terms of the different terms, a word to insurance company claim responsibility requirements will be greater, that is to say with this clause if the deductible compared to other two kinds of terms are much smaller, users can get a wider range of compensation after.
   Specifically, insurance type a clause has bigger difference for specific details on the car caustic danger and class B or class C insurance clause. The vehicle damage insurance, a provision if the car is a mirror or light accidental damage, so even if the car caustic danger category of claims, and if it is insurance institutions use the B class or C class in terms of words, it is not for this claim. In addition, as the car goods fell the third party damage, if the B clause insurance won't use three party insurance to claim, but a clause will insurance compensation according to the three.
   Of course, a clause of insurance when compared to the other two kinds of insurance in the insurance costs will be expensive, this to the user according to their own preferences to choose. On the general users, spend slightly more cost settlement terms more comprehensive course is very worthwhile, so many owners are usually choose a clause in the choice of when the car insurance, it can get more compensation is in when be or get out of danger.
   And we have particularly noted what is the use of a company car insurance clause. Especially not to know a friend on these terms, often will choose to go to the B C clause or clause, not in accordance with their original insurance requirements, cost a lot of unnecessary expenses. Like the sunshine insurance and several insurance companies use is a clause of insurance, the insurance clause insurance market has gradually become the mainstream of today.
   So what should choose insurance a clause or B clause? In fact, this is mainly depending on their actual circumstances, personal safety point of view, if there is no universal owners would be very suitable for class a clause. In short, choose the most suitable for their own insurance clause, can let oneself get more satisfactory insurance.

1 car goods fell three losses, B lost, A


2 three party insurance costs, A lost, B


The 3 mirror damage alone, B lost, A


4 lamp damage alone, B lost, A


5 different ways of computing franchise


6 business vehicle depreciation rate in different months


7 different points refer to paragraph two terms


Overall, A is loose, the insurance liability; B is rigorous, the insurance liability small.