Automobile insurance documents what form?

In the automobile insurance mainly have the following several kinds of documents:

Insurance: is a written certificate of the insured for the insured insurance. Insured by insurance company normally provided by the insured, filled out and signed or sealed after the entry into force. The insurance company issued the original insurance policy according to the insured in good policy content.

Insurance: also known as the original insurance policy. An insurance contract is written proof of insurance company and the insured. Insurance policy issued by the insurance company, mainly contain between insurance company and insurant rights, obligations. It is the insured to the claim to the insurance company's certificate.

Insurance: the insurance company issued to the customer, record the main content of original, one for protecting with simple certificate card body carrying.

Endorsement: is the content of modificatory insurance contract, insurance company issued to be supplementary written proof of the insurer.

The insurance premium invoice: is the insurance premium paid vouchers. At present, in addition to the People's Insurance Company of China still for the receipt, other property insurance company is the formal invoice tax bureau supervised.

Automobile insurance include what specific insurance?

Auto insurance is composed of two parts: the main risks and additional risks.

Among them, the main risk mainly includes the loss of vehicle insurance and third party liability insurance.

Additional risks include the following categories: whole vehicle pilfer, vehicle liability insurance, no fault liability insurance, liability insurance, cargo vehicle windshield glass breakage, the vehicle to stop loss insurance, autoignite loss insurance, increase equipment damage and non deductible special risks.

What is policy holder, the insured, the insurer?

The applicant is to enter into an insurance contract with the insurance company. Is the insurance rights and obligations. In the automobile insurance, investment is insured for groups or individuals of automobile insurance and pay the insurance premium. The general is the automobile owner or car users. The applicant is not the owner himself.

The insured refers to the property or person is protected by the insurance contract, who enjoys the right to insurance claims. In the automobile insurance, the insurer is generally refers to the owner of the car, that is the registered owner of the driving license.

Insurance is the insurance company. Is the insurance contract with the insured, and bear the responsibility for compensation or insurance payment of insurance companies division. In the automobile insurance, the insurer has the right to operate the car insurance is the insurance company.

The responsibility of the accident to distinguish effects on the claim?

General procedure: out - reporting claims damage - Repair - submit documents (invoices and accident repair proof) - payment.

In the crash, shared responsibility, including full responsibility, main responsibility, equal responsibility, a secondary responsibility, no responsibility in five cases. Due to the responsibility of different, methods and procedures in the claim to the insurance company is not the same.

1, take full responsibility

The loss of all take their cars and other vehicles you want, responsible to each other. claim, you want to put the car to your insurance company, insurance. After working on the car, with the other vehicle repair invoices and the other party to transport team closed the book, for traffic accidents (accident certificate). Then, the certificate of the accident and repair procedures to your insurance company. In ten working days to reclaim loss.

2, bear the main responsibility

You have to bear the loss of vehicles and parts, usually 70% or 60%. claim, you want to put the both sides of the car were sent to the insurance company claims (two car needs to be present at the same time), and then go to a big party liability insurance company designated repair shop to repair the. You should let the repair shop to two car repair procedures respectively according to the proportion of accidents into four parts, and then, each responsibility will invoice to the traffic unit handling the formalities, if traffic Liability Certificate (certificate of the accident no original), which can copy but must be stamped with the traffic unit official seal. After that, both parties hold the invoice and the traffic accident to prove to the insurance company to claim.

Note: this and responsible for all the claims are different: the responsibilities of the parties (usually refers to the main responsibility, equal responsibility, a secondary responsibility) generally by the insurance company claims, the liability of a party insurance company designated repair garage. This can be regarded as the insurance practice, you'd better not to entertain, to avoid unnecessary trouble.

3, negative peer responsibility

You have to bear the loss of vehicles and 50%. If both parties have no objection, traffic team general contractor will build the car. claims, and bear the main responsibility claim. If the repair the car, you can press the method take full responsibility to claim, is finally going to give teams traffic accident proved to your insurance company.

4, negative secondary responsibility

You take a small part of the loss of vehicles and, generally 30% or 40%. claims, reporting, and bear the main responsibility for loss. The difference is, your car will be by the other insurance company designated repair shop repair; but also to the other car for a day by the responsibility respectively repair invoices and repair bills, repair procedures with accident certificate to your insurance company.

5, irresponsible

The loss of all your car and other vehicle borne by each other, traffic team also won't buckle your points, sent your payment. As for the claim method -- you do not have to report to the insurance company! So, in the next renewal, you can also get 10% from the insurance company's back.

Auto personal insurance benefits?

Unit auto correlation in the insurance claim procedures shall be affixed with the official seal, but the unit official seal is not in general by the staff to carry, it often makes the procedure is not a do together, bring a lot of trouble to the insurance claim. In contrast to the personal car in an insurance claim is much simpler, because the relevant claims procedures as long as the individual is to sign. Therefore, many units of the car in the event of an accident due to the trouble and not willing to find a claim with the insurance company. In fact, this problem there is a solution, is to the name of the individual as the unit of automobile insurance.

According to the regulations, as the insured automobile can be the owner, can also be a car users; user name on the insurance, in after be or get out of danger in the name of the user can also claim (vehicle scrapping or lost except in the accident). As long as it is by the user for automobile insurance in the insured, and annotated by insurance companies in the insurance policy, after be or get out of danger can handle claims to the user name, the relevant procedures only personal signature on the line, no longer cover official seal. In this way, the insurance claim procedures can greatly simplify the unit vehicle.

How to auto renewal?

First of all, the insured shall provide the following documents:

1 to provide the motor vehicle insurance last year's single;

2 insurance vehicle by the traffic management department issued and qualified driving license and the license plate number;

3 the required insurance premium. Amount of insurance and insurance fee determined again. Secondly, the insured to an annual motor vehicle insurance policy of a single location for: the insurance company branch or branch of public company, not a single agent point. In addition, if the insured vehicle no claim in the previous year the period of this insurance, the renewal can enjoy reduced premium preferential, preferential treatment for the amount of this year continued the insurance should pay insurance premium 10%.

The insured vehicle more than one, according to the vehicle computing no claim discount. Last year the loss of vehicle insurance, third party liability insurance, the additional risk of any one claim, could not the renewal enjoy no claim discount. No renewal does not enjoy no claim discount.

The annual no claim of motor vehicles, if the renewal of insurance and the last year is not exactly the same, no claim to insurance the same part is calculated on the basis of renewal insurance; if the same with the previous year, but the amount of insurance coverage, no claim discount to the annual amount of insurance to pay insurance premium shall be calculated on the basis. Regardless of motor vehicles for several consecutive years of no accidents, no claim discount all should pay insurance premium of 10%.

Surrender vehicles shall comply with the conditions?

Portion of the vehicle must meet the following conditions:

1, the vehicle insurance policy must be within the period of validity;

2, in the insurance within the period of validity, the vehicle did not report to the insurance company or claim can surrender, received compensation from the insurance company vehicle cannot surrender; only report to the insurance company did not get compensation vehicles also can not surrender.

Surrender surrender to submit the application to the insurance company, that portion of the reason and began to surrender from what time, signed or stamped with the seal, give it to the insurance company's business management department. Company business management insurance departments to apply for review after the surrender, surrender the number issued by single, batch record surrender time and should return premium amount, at the same time to recover the car insurance. then surrender to surrender endorsement and ID card, go to the insurance company's finance department should be returned to the insurance claim.

The insurance company shall be calculated from the premium paid by the insured is the insurance amount, less insurance has come into the time insurance companies should charge premiums, the remaining balance is to be returned to your insurance premiums. formula as follows: should refund insurance premium = real premium should receive insurance.

Surrender is the key to calculate the premium charged. General monthly insurance every month, date, received 10% of the premium, less than a month by month calculation.

Surrender the required documentation:

1, the surrender application: stating the reason and time to surrender, the insured unit is to be sealed, is signed to the individual.

2, the insurance policy: the need for original. If the insured is lost, should submit.

For 3 of the invoice, insurance fees: general need the original, sometimes also can copy.

4, the insured person's identity: the insured person's business license units to units; personal need ID card.

5, the reason that surrender documents:

(1) for vehicle scrapping and surrender, need to provide retirement certificate;

(2) for vehicle resell others to surrender, need to provide proof of transfer;

(3) because of duplicate insurance surrender, need to provide each repeated two insurance policy.

What is the value of insurance and the insured amount?

The insured amount is the maximum amount of insurance compensation. Can be determined according to the value of insurance, insurance can also be determined by both parties. The insurance value according to price or price plus shipping charges to determine, if the insurance amount is higher than the insured value, the part beyond the invalid; if the insured amount is less than the insured value, where there is a partial loss according to the proportion of compensation:

The amount of compensation for the loss of the insured amount = amount x / insurance value