A car for less than a year, in the area of the underground garage overnight became scrap cars -- after a heavy rain in May, the Guangzhou many owners have and Mr. Zhang's experience. The latest statistics show, "5 · 7" storm water vehicles more than 18000 vehicles, of which Guangzhou 1100 cars were out of immersion. The insurance company professional survey members by experience analysis, flooding over the vehicle dashboard, needs to disassemble all after the overhaul, but once out of the basic can be presumed to be a total loss, "drowned, most cars can be scrapped."

The car turns into waste, the owners of heartache over also remembered that a car own insurance, insurance company can bear all the loss of hope. Even though the insurance companies all have raised the banner of ex gratia payment, but when many owners take the insurance contract when the insurance company, but found his annual pay hundreds even thousands of Yuan premiums not for full compensation, and even some ten cents didn't have to pay for. What is the insurance company to play tricks, or the owner insured greedy cheap?

Case

Mr. Zhang bought a 230000 yuan of the Camry, also opened a year. After the May 7th storm, his car was soaked in the parking lot for two days before being pulled out, leather seats white rice were soaked up the drum faded. Pull to repair, the master saw all shook his head, said the car basically is scrapped, suggested he directly with the insurance company total loss. However, the insurance company survey member, a Mr. Zhang insurance contract, tell him plainly, the car insurance company is not responsible for compensation. Why is Mr. Zhang just insurance compulsory insurance, and flooding events are not within the cross strong insurance coverage.

A misunderstanding

"I did what can compensate. "

Positive solutions

"All risks" insurance not only basic insurance and additional insurance products

Compared with all kinds of brand market of car, car types are not rare. However, the reporter found in the interview, ask the owner against what insurance, often escape one's lips is "I was cast". But if you ask what all risks including, most owners can only call out insurance to pay strong name, because cross strong insurance is compulsory insurance, do not buy it. The flooding the vehicle after the incident, the owners took the policy to insurance claims, while many owners found their insurance problems.

From the perspective of property insurance products, mainly is divided into compulsory insurance and commercial insurance, mandatory is cross strong insurance, as long as the vehicle must be insured. Cross strong insurance coverage is caused by vehicle insurance on the third damage, and limit the amount of. And the other part is the commercial insurance. There are many kinds of commercial insurance, including the third party liability insurance, car insurance, emergency vehicles stolen, the vehicle officers liability insurance, breakage of glass, tyre breakage alone, body scratch insurance, risk of spontaneous combustion, tax related risks, engine damage insurance, non deductible insurance.

"So what is my insurance 'all risks'?" There is doubt that the owner is not in the minority. In fact, not all risks the insurance product, insurance product mix is mainly a combined. Therefore, although call all risks, but the specific product in fact every car insurance may not be the same. Generally speaking, in addition to compulsory insurance, car owners insurance commercial insurance products will be more comprehensive, third party liability insurance, car insurance, pilfer is the main categories, the rest will be added. Therefore, the third party liability insurance, car insurance, emergency vehicles stolen, the vehicle officers liability insurance is also called the basic insurance commercial insurance in, other additional risks.

Insurance products to meet

Basic insurance

●The third party liability insurance:Driving the insured vehicle collision others, causing injury or property damage, the compensation is to be borne by the insurance company. In this respect, it is similar with the provisions of compulsory insurance, third party liability insurance payment standard float, if that driver full responsibility, then payment ratio does not exceed 100%; bear the main responsibility payment does not exceed 70%; bear equal responsibility for not more than 50%; negative secondary responsibility does not exceed 30%; not the responsibility of the no reimbursement.

Importance: ★★★★★

Experts commented: Although there is a strong risk pay, but the cross strong insurance coverage limit is low, for now the traffic accident, so may have to pay tens of thousands of yuan, insurance third party liability insurance is very necessary. General recommendations for the novice or car driving owners in general insurance amount is in 300000 yuan of above (depending on local economic conditions).

●Car damage insurance:Refers to the vehicle suffered within the scope of insurance liability to natural disasters or accidents, resulting in loss of vehicle insurance itself, repair costs borne by the insurance company. Here special attention is, although the flood, debris flow in the security range, but the earthquake is excluded liability.

Importance: ★★★★★

Experts commented: after water immersion car incident, the owners must know the car caustic danger greatly, because only the insured car caustic danger may be awarded. There is a very important part in the car caustic danger, in accordance with the new car price is insured against, but in the end the actual payment is made according to the market value of the vehicle now claims. (in this regard, we will be in the water immersion specific analysis of vehicle claims. )

●Whole vehicle pilfer:Compared to flooding, the vehicle theft, robbery and the probability of loss is not low, and this loss will daochengjian coverage, basically a new car will insure the product. If the theft caused the damage of the vehicle, the insurance will pay for the repairs.

Importance: ★ ★ ★ ★

Experts commented: daochengjian not to buy as many can buy very much, is generally in accordance with the market price at the time of vehicle insurance. Even if the amount to buy high, pay the premium, but in the end, the insurance company will according to the market price to pay. This is to avoid the owner intentionally robbery incident to cheat.

●The car seat and liability insurance:The car accident, causing the car driver or passenger casualties caused by the cost of the loss, then the insurance company to help finance.

Importance: ★ ★ ★ ★

Experts commented: because cross strong insurance and third party liability insurance are paid only third party's loss, drivers and passengers are not within the scope of protection. Therefore, often with others for the owners, it is necessary to insure the product. However, the general owners are each seat to buy ten thousand yuan seat. For the drivers, if the owner himself driving, or suggest to buy accident insurance cheaper.

Additional risks

●Breakage of glass:Vehicles in use process broken, of course, the prerequisite is to be insured the car damage insurance can only be added this insurance.

Importance: ★ ★ ★ ★

Expert comments: a high probability of broken glass alone, sometimes walking on the road is gravel break glass, of course, if it is caused by the glass broken in the traffic accident, is from the car caustic danger to burden.

●Wading insurance:Che Sunxian although clearly specified when the vehicle meet storm caused a loss of the insurance company can compensate, but the car exhaust pipe water resulting in engine damage is not included. That is to say, once encounter water running, there is need for wading insurance paid to.

Importance: ★ ★ ★ ★

Experts commented: the flooding let owners know wading insurance, this product is very small, the insured is less. In Guangzhou is often the flooding scenario, for such products is necessary, especially for beginners, often don't have a correct estimate of regional risk by water immersion, causing the vehicle to water in the flame.

●Non deductible:To prevent the owner to buy insurance on the street and free driving, the deductible provisions, no matter how severe accident, the owners have to take 20%, insurance companies assume a maximum of 80%.

Importance: ★ ★ ★ ★

Experts commented: each kind of insurance products, basic are deductible, ratio between 5% and 20%. For example, car insurance, deductible is generally 20%, if a vehicle collision repair, need 1000 yuan, according to the 20% franchise has 200 yuan to pay the owner himself. Therefore, should the basic insurance non deductible purchase generally recommend owners, so the insurance company will undertake the compensation of 100%.

●Body scratch damage insurance:The vehicle was careful not to make a small scratch, generated by the insurance company to pay for repairs.

Importance: ★ ★

Expert comment: this scratch need no obvious collision and lead, if it is caused by a traffic accident can be formed by car caustic danger to burden. For a new car, or have a child often ride can consider buying.

● tyre breakage alone, spontaneous combustion risk of loss, the vehicle to stop loss insurance, car insurance costs, increased equipment loss insurance, cargo liability insurance, the additional oil pollution liability insurance, traffic accident compensation for spiritual damage insurance.

Importance: ★

Experts commented: do not buy the necessary, hand some liability may be borne by Che Sunxian and other basic risks, on the other hand, risk probability is very low.

Schedule: vehicle insurance (purchase price of 230000 yuan, 160000 yuan at current prices)

Compulsory insurance

Insurance liability limit and no limitation of liability cost 950 yuan

Basic insurance

Other insurance insurance amount / compensation limit standard premium

The vehicle damage insurance 230000 yuan 3319 yuan

The third party liability insurance 300000 yuan 1289 yuan

Whole vehicle pilfer 160000 yuan 904 yuan

The car personnel liability insurance (driver) 10000 yuan 42 yuan

(passengers) 4 × 10000 yuan 108 yuan

Additional risks

Other insurance insurance amount / compensation limit standard premium

Wading insurance 230000 yuan 166 yuan

Breakage of glass (domestic) -- 460 yuan

Non deductible special insurance (the third party liability insurance) -- 193.35 yuan

(loss of vehicle insurance) -- 497.85 yuan

(the car personnel liability insurance) -- 22.50 yuan

Standard premium total: 7951.70 yuan

Misunderstanding two

Buy a car caustic danger, as long as the water immersion can compensate

Positive solutions

After immersion in water, forced to launch the car broke down without compensation

18000 water car, insurance problems affected owners are most concerned about their love for nature. For the recent heavy rains continue to Guangzhou, even if no loss of customers should also to examine their insurance policy, whether or not to have the water leaching risk protection. For the protection of water car, in the accident to deal specifically with water immersion car events of Guangzhou insurance companies in a survey members told reporters, "there are two major flooding risk insurance, a car caustic danger, in a matter of marine insurance." Introduce according to him, the flood caused by vehicle loss is in the range of car damage insurance payment period, if the vehicle to stop the rain soaked, losses can be paid by the insurance company. But note that, if the vehicle through some water area in the running, causing the engine to stall was immersed in water, this time on the need to bear the risk of wading insurance. "For the first case, the vehicle is not running, even for a few days, the engine may appear smaller the probability of damage. You know, once the engine problems, repair is not cheap. While running in the flame, there will be more or less water is sucked into the engine, thus requiring special insurance to bear the loss." But he stressed that, no matter what kind of water, if the owner is forced to start the car, the engine of the damage is not in the payment scope. That is to say, once the two start, the owner will be all the losses themselves engine.

Claim links

Common submerged car park claims: water immersion in car caustic danger for driving water off by wading insurance claim

For the general flooding the vehicle, the insurance company directly in accordance with the actual cost of repair for payment. But the need to pay attention to is, car damage insurance of the insured amount is in accordance with the new car to purchase price to the insured. That is to say, although Mr. Zhang's car has opened a period of time, the market price is less than 230000 yuan of the new car price, but when the insured car caustic danger or need according to the amount of 230000 yuan to the insured.

"Che Sunxian's underwriting will new car to purchase price as the sum insured is fair and reasonable", Guangdong provincial insurance association responsible person told the reporter, a current value of 200000 yuan of new car and a current value of 100000 yuan on the same brand model car, the probability difference not much danger in most cases, repair, after be or get out of danger to the 4S store replacement parts is the use of new parts the same, "not possible because the car is on the replacement parts, the insured is old for old parts", the repair costs are the same. So, the insurance company in the coverage of the same brand models of vehicles, according to the vehicle's new car purchase price is calculated as the amount of insurance, is more fair and reasonable to the owner.

Therefore, the insured the car caustic danger of vehicles, if the park was spent 50000 yuan. After the repair, the repair cost from the insurance company to assume. For insured wading insurance car, if the driving water flameout, then get the insurance payment in the insurance limit.

Out of the car's claims: three main claims

The flooding accident there are more than 1100 cars out of the car, a high probability of these vehicles scrapped, therefore the insurance company to deal mostly with constructive total loss. This claim is more complex, there are three cases.

With a new car price is 230000 yuan car as an example, driving a year, was drowned before immersing the market price is about 160000 yuan, was drowned after soaking vehicle almost scrap, repair needs 110000 yuan, if not repair, then remaining vehicle in the market price of 60000 yuan. If the owner can choose the settlement way:

1 if a constructive total loss, the owner if the remaining vehicle to deal with insurance companies, you can get 160000 yuan loss, the 160000 element is the insurance value.

2 if the owners choose to leave remaining vehicle to deal with, can obtain 160000 yuan of insurance value minus 60000 yuan value, namely 100000 yuan compensation.

3 if the owners choose repair, the repair cost is likely to reach 110000 yuan, but the insurance company to pay only 100000 yuan (160000 yuan of insurance value minus 60000 yuan value). Of course, if the owner of the repair cost less than 100000 yuan, the payment for compensation to the actual repair costs.