I believe many of my friends in the choice of insurance will and insurance salesman said, my car to the insurance, so most of my friends think of car to the "all risks" get "lost the whole". After understanding, in fact, the word "all risks" in insurance companies and state law does not exist, only a habit of people(the name falls short of the reality is a common phenomenon, this paper presents don't "Wang Wen business"). People used to several major categories include cross strong insurance, commercial three party insurance, non deductible insurance, car insurance, pilfer, car insurance and other personnel, generally referred to as "". Therefore, "all risks" is not equal to the whole.

   Your time in the vehicle insurance insurance insurance insurance companies must pay attention to the related definition for different categories of interpretation and the scope of the claims, that isWhat is the premise of claims(key claims premise terms claims is the core clause, namely compensate and not lose is not to buy insurance, and further to meet claims conditions). Do not know if rushed to buy insurance, even if the purchase of the so-called "all risks", also will not get full compensation. My suggestion is that you can use based on its own, according to their own actual situation to select the security risks, so that not only can provide convenience for your future claims, but also save a part of the vehicle insurance costs.

   Prior understanding, no purchase wading insurance vehicle when the engine inlet, is unable to get insurance company claims, but in fact this is not entirely correct. Because some of the provisions of the insurance companies have a clear explanation for this problem, car damage buy insurance is covered wading insurance and risk of spontaneous combustion of additional insurance(but the occurrence of spontaneous combustion or wading event, whether the insurance company claims interpretation may and the insured the insurer will understand there is a huge difference, this is the most sad place)If not, you need to separate out.

   Believe that every car friends do not want the vehicle is stolen or destroyed in yourself, never mind, as long as you can meet your claim the insurance conditions, insurance company will complete compensation you deserve it. And here there is a problem, that is the vehicle insurance prices higher future can get the amount insured when the vehicle?

   Of course, the answer is negative, if your car insurance, so the vehicle insured amount will be in accordance with the actual vehicle sales price, but if you are a continued insurance, so the vehicle insurance amount will be in accordance with the current sales or second-hand car sales prices for insurance. So you when the insured vehicle insurance amount should be the actual value is determined according to the insurance of vehicle insurance, full insurance at the time of the accident, ensure to get reasonable compensation. Don't over insurance, because excess insurance and can not be excessive compensation, it is just a waste of money.(here don't have a problem this paper proposes No: if not the entire vehicle claims, or damaged parts update, insurance is according to the new car price calculation or by the used car prices is a very tangled problem, this also is the insurance company insurance according to the new car every time always denominated a sufficient reason.)

   A lot of the old car friends may have encountered such a problem, is often the insurance company refused to be in the purchase of insurance, in fact there is a misunderstanding, there are difficulties and not buy all of the categories, here that is car caustic danger. Because the old car loss is difficult, residual determination is also very fuzzy, other related repair parts are less, so most of the insurance company is not willing to underwrite such models. In addition, the purchase of insurance and three party insurance is not affected by the use of life. But for years long old models, related premium is a floating.(Law of large numbers that follow and the relevant insurance company, because the possibility of old claim larger; similarly, the new car will be downward float, which is referred to is not willing to auto insurance company: as an insurance businessman, he will always benefit from the perspective of their own interests to think about the problem, and not to think, from insurance claims more angle for, the insurer will think of his own interest less, at least the static performance is such. Of course, they forget more, claims, the insured may not have more, his interest will be more.)

   Many special terms most insurance companies and set in order to reduce the loss, the use of these terms and restricted by the insured in order to reduce the incidence rate and the insured to cover the cost. These special terms tend to the insured caused a lot of trouble, so we in the vehicle insurance must pay special attention. For example: pilfer date for vehicle license, driving force for good in the range of XX province (city, autonomous region within the territory of the insurance beneficiary), such as XX, these are some of the so-called "special provisions of insurance companies".(I'm in handling insurance, according to their own situation was conducive to these special provisions, further enjoy the insurance benefits, this is the insurance of staff told me, had been unaware of these common sense.)

   These special terms are often considered despot provisions guarantee insurance company's own interests "". For insured car owners, should be insured before consulting clear, at the same time, received the insurance policy to pay special attention to the content have unlimited "special agreement", so that to maintain their own interests obstacles.

   The vehicle pilfer rush to deal with an emergency, the vehicle is stolen can get the insurance payment. But if by the lock block is broken, or four tyres had been stolen, but the vehicle body has not been stolen, are not obtained the insurance coverage. Similarly, if stored in the vehicle or in the trunk or valuables stolen, but the vehicle has not been stolen, is unable to get the pilfer reimbursement, which belongs to the category of criminal cases.(this is not "be opinionated", according to their own understanding to solve the problem of insurance. The most incomprehensible essence should be the car caustic danger, the insurance company has the car damage more out of car caustic danger, such as special cases of spontaneous combustion, the glass, tires and other car caustic danger, resulting in a settlement clause is very professional, so that owners of these ordinary people is difficult to understand, so to produce a lot of insurance claims disputes)

   When after the accident, should be responsible for each other,To be paid out to 4S shop or trusted repair facilityAfter the walk claims procedures. But many owners have encountered this problem, is to request the other party to repair place, this is in order to reduce the cost of repair, in not trusted repair factory repair is difficult to ensure the quality of repair, so the encounter such a situation must not easily promised. Because both each other or other insurance companies have no right to specify the place.

   When the insurance many owners will choose non deductible. Buy non deductible special risks, not all of the accident will be 100 per cent coverage, there are still some special accident, the insurance company will for some particular accident set franchise single, and the franchise does not belong to the non deductible range. For example, many claim, beyond the scope of driving, overloading of vehicles, generally with buckle franchise.

   Is in the insurance expires next year must be renewed in order to ensure the security, there is a temporal overlap problem, namely buy finished next year's insurance, the insurance has not expired, then the accident claims in this period of no influence of the premium next year, because it is bought. But this is a misunderstanding, seems to be bought again out of danger is accounted for by the years of cheap, the discount or a privilege, but it is in fact a superficial reform, will affect the annual premium, reduce the discount or premium floating.(once during an insurance clerk for a year without compensation, insurance does not expire in through the new insurance didn't work with an insurance, the insurance company does not suffer, the alternating periods of insurance events recorded in the new period of insurance. If you understand the insurance company is a businessman, his interests should not be violated, can understand his approach.)

   Automobile insurance this thing in fact many of the details are usually all about experience, but to tell you the truth many problems are deep step is not too clear, as owners, we know more about the insurance knowledge is absolutely have the advantage to own, can let the owner's interests to better protect.