Automobile insurance knowledge (full version)

Automobile insurance knowledge (full version)
Must know what are in charge of each insurance claims, what problems may be encountered, will know how the insurance.

What insurance included?
The 1 cross strong insurance
2 commercial insurance mainly has four main risks:
The car caustic danger Code: A
The three party insurance code: B
The responsibility of the personnel on the car insurance code: D
④ pilfer G

There are five additional risks:
The glass code: F
The scratch Code: L
The spontaneous combustion Code: Z
The non deductible Code: M
The special engine damage insurance code X

Characteristics of cross strong insurance: commonweal sex, mandatory, widely. A cross strong insurance goal is: let the traffic accident victims receive timely and effective treatment. Mandatory: compulsory insurance, can not refuse to guarantee. extensive: as long as the motor vehicle, can. (motor vehicles including motorcycles, not including electric vehicles) drunk driving, intentional butt, cross strong insurance also claims, the aim is to protect the victims, the public welfare. Of course, in this case, the insurance company will pay for medical expenses, and then investigated the situation, to the driver recovery. Cross strong insurance does not compensate the situation: how not to lose.

Cross strong insurance characteristics: partial compensation principle (read) floating rate principle (the first year not be or get out of danger, second years rate 10%, up by 30%, and vice versa), Jiangyoufalie principle.
Cross strong insurance can solve the problem? example: car hit a tree, only to car traffic. If the tree does not pay, then, whether the car loss could go a claim? Answer: do not lose, because cross strong insurance only claims in the traffic accident victims, so in this case, the injured party is the tree, not lose trees, loss of vehicles will not be any insurance compensation.
Look at a case: a Jetta in the post, Mercedes Benz in the front, suddenly in front of a traffic accident, Mercedes Benz brake, Jetta no brakes, rear bumper, the Mercedes crashed to the. The unfortunate, but fortunately there is a car insurance. Mercedes Benz 4S shop called and asked to repair the fare, both sides negotiated settlement claims. 4S shop back to Mercedes Benz, parts 40000, to be flown home, without this type of parts. Jetta owners thought 40000 is not expensive, optical cross strong insurance 120000. Results the dumbfounded: cross strong insurance provisions: produce traffic accident loss of property, the most settlement 2000. That is to say, because he only a strong risk pay, no commercial three party insurance, 38000 had to wait for Jetta payment.

The maximum settlement of compulsory insurance is 122000. Everybody was happy, still many ah, loss of vehicles in general is enough. Don't get too excited, cross strong insurance and a partial compensation principle:
A lethal: 110000
Pedestrian injured: 10000
Traffic accidents caused property damage: 2000. This is when the insured person has the responsibility of compensation. The insured has no obligation: death and disability compensation limit for 11000, 1000 medical fees, property insurance to pay strong accumulation of 100. . Meaning: the insurance amount a year on these, several claim amount to add together. More than just at one's own expenses. (car still caution is good, now a lethal claim 110000, this year the 11 universal comfort victims families do ? No 30.50 universal right?) So just give the vehicle compulsory insurance, real accident, out of his own pocket is quite expensive.

The commercial three party insurance: a word: no commercial risk of the three owners, vulnerable. Some people see a commercial insurance, commercial insurance, there will be resistance: commercial insurance is profit, not welfare, which is to. But now the insurance claims rate is very high, especially the insurance, claims is to the owner's welfare.
Definition: the commercial three party insurance liability insurance company as the third loss insurance. The third refers to the insured, except is outside the insurer, the insurer, the insurance vehicle accidents and losses of the third party victim.
Analytical:
1 third party insurance is paid third, not including his family. One case: a lack of experience in reverse,, let the home stood in the car, plus the unskilled, throttle when the brake, lead to family death, this insurance cannot claim. If a stranger, can claim. This is to prevent fraud, so intended harm family.
2 no partial compensation principle, damage compensate.
3 non cumulative amount of insurance: insurance such as 100000 three, the first claim, second insurance amount or 100000, not for the first time claims and minus a compensation.
4 commercial three party insurance premiums: in general a few hundred dollars, 50000, for example, about 600 and 100000, 800 200000, 1000 300000. Suggestions in the amount of 20 million. Little do to really meet with an accident, the role of weak. Meet with an accident immediately dumbfounded. (don't be or get out of danger of car, next year will be cut by 10% premium, the premium is the amount, premium and models and not out of favor or appeared to rise.) The commercial three party insurance claims rate is very high in Beijing.

CDW: the insured person or allows the driver in the driving of vehicle insurance insurance accident occurs, causing damage to the vehicle insurance, the insurance company shall make compensation for the losses in the reasonable range.
Car damage insurance is for the vehicle itself loss insurance. not on the car insurance, the additional risk. Car damage is common: collision, overturning (car), natural disasters (hail, rainstorm, explosion etc.). The premium is generally more than 1 and 100000, and the vehicle type price, equivalent to 3 yuan a day. The insurance settlement rate is very high.

The personnel on the car: responsible for compensation insurance vehicle traffic accidents caused by the vehicle injuries death. A driver and four passengers. The general person insurance amount of 10000 to 30000, the amount of insurance premium of about 40, ten thousand, passenger 20 yuan insurance premium ten thousand, four of 100 to 300. Proposal owner, a staff car insurance, also remind passengers , must give themselves on accident insurance. Accident insurance 100 to 500 of the premium, the insurance amount of tens to hundreds of thousands of. In a few cases, friends ride, out of the accident, the court, its basic or because of money problems. Should learn the risk to the insurance company, rather than the driver to bear, vulnerable. I refused to no accident insurance friends on my car, friends also understand. (I'm micro-blog wrote: there is no accident, please get off; have accident insurance, can take the my car) regulations about friends ride, law: whether passengers ride is paid or free ride, the carrier has legal obligations for passenger safety to the destination.
Pilfer Name: whole vehicle pilfer, mean, lost a wheel, the mirror that can not lose. pilfer claim requirements: car stolen, public security departments report to the county more than three month not, find, can ask.

Special engine damage insurance, also known as "wading insurance" insured the car insurance car, but this risk. That is to say, no commercial insurance the main risk, the risk can not be. Vehicle soaking conditions, Che Sunxian can pay in addition to engine damage outside the vehicle, and the resulting in engine damage only wading insurance can compensate. Responsible for premium vehicles in the water road Wade driving and the reasonable expenses Wade. Was flooded resulting in engine damage can be compensated. But if be flooded after the owners are forced to start the engine and cause damage, so even if the purchase wading insurance, the insurance company will not compensate. Vehicle insurance does not include wading insurance, car insurance does not include engine damage insurance. Many of my friends think that insurance Everything will be fine., actually a lot of time "all risks" does not include "wading insurance", the so-called "all risks" general said is the main risk all (three party insurance, car insurance, pilfer, cross strong insurance), and as to the need to purchase additional insurance marine insurance. Che Sunxian engine payment as the exemption, if want to give the engine must buy insurance engine additional risks. Glass breakage alone when the insurance accident, broken glass is usually accompanied by other parts of the vehicle suffered a loss occurs, the broken glass is Che Sunxian's area of responsibility. In the broken glass alone, this does not belong to the scope of the car caustic danger, and belongs to the glass insurance coverage, if no glass insurance company will not pay.
Insurance: insurance can scratch scratch, can not, according to their economic capacity. Scratch insurance premiums 400 Yuan Bao 2000. Relative to the other items of insurance, such as three party insurance, 600 yuan and 100000, is still relatively expensive, but scratch risks can only give three years of the new car, the general insurance companies refusal of old scratch insurance. Indeed, there are scratches can still open, but the car damage or glass damage, not open. For scratches easily appeared, scratch insurance claims rate is quite high. Some insurance companies launched: car danger as scratch insurance. How could you do this? In fact, the position of disguise oneself scratch, a car damage appearance, claim. However, if this is the case, how also can not cover the scratch damage: being painted, the body at this time, no scratch risks, how will the insurance company? So we should keep a sober mind, thoughtful, "don't be here in our car insurance cheap", "car insurance to scratch risks" and other words the temptation. Cheap to on the insurance amount is not high, this is inevitable.

The spontaneous combustion risk: general car self-protection, does not need the risk of spontaneous combustion. The car with the power supply circuit and circuit aging, need the risk of spontaneous combustion. There is also a case, because the car goods plus external temperature is too high, the car burning, also belong to the risk of spontaneous combustion claims scope, so the car can also insure against risk of spontaneous combustion, especially in the summer high temperature period, often out of friends.

Non deductible insurance: the commercial third party liability insurance clauses, the insurer will according to driving the negative's responsibility in the accident, take certain responsibility franchise, primarily responsible for the deductible, 15%; bear equal responsibility, deductible 10%; negative secondary responsibility, deductible 5%; take full responsibility, 20% franchise.
Don't put all the documents are placed in the car, driving license on the car, the other card is taken, so as to avoid the vehicle loss caused by the loss destroyed documents, certificates and lack of time claims will be some deductible, lack the same button 0.5% (Registration invoice, purchase a car, vehicle registration and so on), less spare keys button 3%
Summary:
The 1 cross strong insurance must pay period, remember
2 car caustic danger: must, tube to compensate their car, suggest that the full insurance.
3 third party insurance: coverage of more than 500000 recommendations must, generally 500000 to 1000000, good economic conditions is more.
4 personnel on the car can not, also do not have too many, the driver of 2 million, about 10000 passengers, of course this is already a person accident injury insurance case. A seat 20 yuan 10000, not directly to do personal accident insurance (personal about 100 to 200 , insurance scope includes not only the general accident, and train, subway, self driving, responsibility, also can be reimbursed for medical expenses.)
Note: the traffic accident caused by medical expenses not reimbursed for social security.
5 pilfer to
6 glass scratch, risk is relatively expensive, can not scratch, glass insurance according to their economic capacity. Risk of spontaneous combustion vehicles must, car can be considered.
7 non deductible, for good.
8 wading Xianyao, this few years our country insurance claims in case a lot of rain.

Wolf

2013.6.26