Unspoken rule 1

The new car price insurance claims used car price

Mr. Liu, 3 years ago, spent more than 15 yuan to buy a carDongfeng Peugeot 307Car, according to the latest market valuation is worth 100000 yuan. A few days before the renewal, Mr. Liu would like to buy the car caustic danger 100000 yuan, did not expect the insurance company asked him in accordance with the new car purchase price for the car damage insurance. "such a provision is really no reason, the car used 3 years only 100000 yuan, but still call me Paul 150000." Mr. Liu, although the provisions of the insurance company can not accept, but feel helpless.

According to Kong Juan introduced, many private car owners think, buy car caustic danger car after the accident, the vehicle damage compensation in the amount of insurance coverage in can. To Mr. Liu, for example, his car insured the car damage insurance 150000 yuan, does that mean the vehicle part of the loss of the highest can compensate to 150000 yuan?

However, the fact is not true. Kong Juan told Chengdu Commercial Daily reporters, even suffered a major traffic accidents, the vehicle to be scrapped, loss, the insurance company claims, loss is calculated in accordance with the latest assessment of the car, not can obtain 150000 yuan. that is to say, even if the insured vehicle loss 150000 yuan of insurance, will never be able to get 150000 yuan. "If that is so, why do I have to pay more for 150000 yuan?" Mr. Liu to be indignant.

"100000 yuan car damage insurance, the premium is about 1200 yuan. If it is 150000 yuan car damage insurance, about 1600 yuan." An insurance company clerk calculated brushstroke Zhang to the reporter, Mr. Liu because of the provisions of the insurance company, out of more than 400 yuan of insurance premium.

Kong Juan said, Che Sunxian insured amount how many, in fact, the insurance company does not enforce. But if not according to the price of a new car insurance, claims there is difference. Like Mr. Liu, he can choose to protect 150000 yuan, can also choose to protect 100000 yuan, can even choose to protect 50000 yuan. However, claim indemnity is directly linked with the sum insured. Such as an accident, assessment of loss is 10000 yuan, if the 150000 yuan, Mr. Liu will be paid $10000. But if only 100000 yuan, also occurred in this accident, can only get 2/3 compensation.

Unspoken rule 2

"All risks" is not equal to "full compensation"

At the beginning of this year day, Mr. Gao put the car parked on the roadside overnight, morning found the glass windows were broken, the engine cover and the left front fender is artificially scratch, also left rearview mirror was broken. Because it is a new car, Mr. Gao specially for the car to buy "all risks", including cross strong insurance, commercial three party insurance, non deductible insurance, body scratch insurance, breakage of glass, car caustic danger, pilfer. In the claims and insurance companies in the insurance, Mr. Wang thought that voted for the "all risks", the insurance company should be in accordance with pilfer or car damage insurance claims to give full compensation, and the insurance company will only agree to separate glass insurance claims.

In fact, the term "all risks" does not exist in the legal and insurance terms, it is just people popular language. Many 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 "". But in fact, this is not the true sense of the full coverage, full compensation and therefore can not be access to insurance company "". Kong Juan to remind the majority of owners, in signing insurance contract, we should make clear each insurance clause under the premise and claims. Even if the purchase of the so-called "all risks", also will not get full compensation. The insured motor vehicle insurance risks, should understand their risks, according to the actual situation to select the risk protection.

Unspoken rule 3

A person of two car bumps exclusions

Two months ago, Mr. Ye was just got his driver's license soon wife bought a car Dongfeng HondaCR-V, but registration is his name. Small dragon boat festival holidays, Mr. Ye the people travel to the Jiuzhaigou self driving, he and his wife were driving belong to Mr. Ye nameHighlanderAndCR-VMoving to the destination. When the domestic car to Dujiangyan, due to avoid cross motorcycle, Mr. Ye the emergency brake, with his wife at the back of the late reaction, CR-V head of the Highlander's ass.. At first, Mr. ye think that since the two cars had bought insurance, direct report claims on the line. Who knows in treatment later in the process of the accident, the insurance company has two cars are Mr. Ye name, not the existence of "third party" on the grounds of refusal, Mr. ye think it unfair.

In this regard, Kong Juan made it clear that, in accordance with the relevant provisions of the insurance, the same under the names of the two cars crashed into each other, no matter how responsible for the accident that, as long as involve cross strong insurance and three party insurance claims, the insurance company will not pay. Car damage insurance claims amount according to both the accident liability ratios. In accordance with the cross strong insurance and three party insurance limits, insured persons and their families are not counted as "third", there is no object can not be compensation claims. Encountered a similar situation, the insured shall first report, identified by the relevant departments responsible for the accident by insurance credentials can apply for vehicle damage compensation. According to the actual situation, the accident of two cars, which is usually a car may get compensation from the insurance companies.

The accident of two cars, buy insurance, in accordance with the provisions of the insurance company, only one of which can get compensation, such practice is reasonable in the circumstances are not acceptable. However, Kong Juan said, the insurance company to do so mainly in order to prevent moral hazard may exist, such as fake accident insurance fraud. But for the owners, as the insured obligations but do not enjoy the rights, is obviously unfair. More and more families will have two cars, their vehicle collision probability will be greatly increased, and how to protect the owners' rights?

Unspoken rule 4

"The list of different models" premium

"Last year I car accident are not, the insurance premium to rise with what?" Last week, Mr. Tu stormed to reporters call. Originally, in July last year, Mr. Tu bought a imported coupe. A new car, Mr. tu be extra careful, all year even slightly rubbed up have not been. A year later, the car when the renewal. In the opinion of Mr. Tu, this year's auto insurance costs, should be able to reduce the number of. Can not think of is, find the insurance salesman asked, price from 15000 yuan to 16000 instead of multiple, a rise of 1000 yuan, which made Mr. Tu very puzzled.

The original, Mr. Tu, the car, the insurance company's "black list". The salesman told Mr. Tu, recently the company after accounting for discovery, Mr. Ma car payment rate is very high, so a substantial increase in the insurance premium. This let Mr Ma feel unfair: "someone is driving accident, what let me back?"

Kong Juan told the Chengdu Business Daily reporter, many insurance companies have a so-called "black list". "Red List" on the car, buy insurance can obtain relatively low discount; but once the vehicle on the "black list", buy insurance for them to increase, even refused insurance. For exampleMazda 6In the rate coefficient, some insurance companies may be 1.1, but PassatThe rate coefficient can be as low as 0.95. This also means that, even if the same price, the same accident records, if buy commercial insurance, Mazda 6, the price than the Passat 25%. In addition, some super luxury car, their coefficient could reach 1.2 or even 1.3, and even refused insurance. One of the companies and even toPorsche, Ferrari, BentleySuch a car all included in the prohibited list.

Then this mysterious "black list" is how to determine? According to industry sources, the Mazda 6, for example, the car is cool, power, its owner is at the age of 20 years old to 35 years old between males, a careless accident can be more. The insurance company in order not to lose money, so can only increase the price of insurance it. In general, owners are, or to men to young people are models, tend to the "black list"; and the main female market, or in business, utility based models, is easy to stay in the "red list".

However, the insurance company this unspoken rule, the owners are not able to accept the. Although a car customers may have some similar features, but it is not absolute. And even the same people, their characters and driving habits is not the same. The vast majority of owners think, the insurance company this "would rather kill the wrong one thousand, never let a" approach is worth deliberate really.