1, what is the insurance of the insured, the insurer, third?

2, the insured and the insured whether must be consistent? If not what effect is there?

3, what is the new car to purchase price, the amount of insurance?

4, how to distinguish between business and non business car?

5, what is called insurance, policy, insurance card, endorsement?

6, under what circumstances can surrender?

7, whether the vehicle can be insured?

8, the new car is to buy insurance?

9, how to understand the no fault compensation insurance?

10, external repair if need to advance the cost?

11, without driving license in danger can damage?

12, what situation policy needs to change?

13, can you buy insurance?

14, whether the vehicle can excess insurance?

15, what is not full insurance? What are the consequences?

16, why the car only by new car purchase price of the vehicle damage insurance, vehicle damage insurance produce partial loss can be calculated for compensation in accordance with the actual cost of repair?

17, must buy the vehicle damage insurance?

18, what is the third party liability insurance?

19, the third party liability insurance, Is it right? Also includes the personnel on the car insurance?

20, if I have insured for accidental injury insurance, whether can not insured vehicle liability insurance?

21, what can make up for the loss of the stolen vehicle insurance?

22, spontaneous combustion risk of loss if there is a need to buy?

23, buy the spontaneous combustion risk of loss, the vehicle on fire, you must get compensation?

Senior audio 24, the car belongs to the vehicle damage insurance coverage?

25, the design guarantee insurance for car pane burst alone?

1, what is the insurance of the insured, the insurer, third?

  The insured by insurance contract generally refers to the guarantee of car owners, that is the registered owner of the driving license. Insurance is the insurance company, in car insurance, is the right business car insurance company. In the contract of insurance, the insurer is the first party, also called the first person; the insured or the offender is the second; in addition to the insurer and the insured when the insurance vehicle accidents suffered personal injury or property loss of the victim is third, namely third.

2, the insured and the insured whether must be consistent? If not what effect is there?

 The insured refers to conclude a contract with the insurance company, insurance rights and obligations of units or individuals, for insurance and pay the insurance premium.

 If the owner for the insured automobile own, is the insured and the insured person is the same; if the vehicle cover other people does not belong to their own, is the insured and the insured is not consistent. The two cases are insurance companies allowed.

The insured and the insured not consistent will have two effects: on the one hand, the insured is not responsible to pay insurance premium obligation, the obligation is assumed by the insured, who who insured pay insurance premium; on the other hand, the vehicle where there is a partial loss, the insured to the insurance claim. Vehicle has all the damage (such as vehicle theft and robbery, in the collision of vehicles useless etc), must by the insured to the insurance claim, and policy holder does not have this right. In policy holder and insurant consistent case, did not distinguish between the above two aspects.

3, what is the new car to purchase price, the amount of insurance?

The new car purchase price refers to the insurance contract signed purchase and vehicle insurance (including the same type of new vehicle purchase surcharge) price, it is the basis to determine the amount of insurance the insured.

The insured amount refers to the actual insured state insured insured amount, the maximum limit is the insurance company to assume the obligation of reparation.

4, how to distinguish between business and non business car?

Business car is engaged in social transportation and freight vehicles, to complete the commercial transfer or transport for the purpose of the vehicle also is operating vehicle. Non operating car refers to the party and government organs, social organizations, enterprises and institutions at all levels of personal vehicles or vehicle only for personal or family life

 5, what is called insurance, policy, insurance card, endorsement?

Insurance is a written certificate of the insured for the insured. Insured by insurance company normally provided by the insured, shall fill out and sign or seal, the insurance company issued the original insurance policy according to the policy holder to fill in the application form content. For online insurance, the insured on the Internet for a series of "OK", "submission" action, which is regarded as the applicant intention (offer) expression, and afterwards the insurance company will print out the application form Please add signature confirmation

The policy is also called 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 insured by a claim to the insurance company's certificate.

Insurance card is issued to the insured by insurance companies, insurance, the main content recorded in one original for protecting a card that carries or simple receipt.

Batch sheet is to be content of modificatory insurance contract, insurance company issued to the insured written proof of complementary, with equal binding force of contract and policy.

6, under what circumstances can surrender?

According to the regulations, the insured and the insured person may request the refund at any time. If the insurance company is not satisfied and want to change the insurance company, insurance vehicles according to the provisions of abandonment, can apply for to terminate the insurance contract, request a refund unexpired premium.

7, whether the vehicle can be insured?

Double insurance refers to the same categories for the same car, respectively to two or more insurance companies. Repeat insurance can only get a compensation. "Insurance law" the fortieth stipulation: double insurance, the sum of the amount of compensation of the insurance company shall not exceed new car to purchase price. So, never the same car insurance multiple copies of the same car insurance. Otherwise, there is a part of the premium is white, is not any compensation.

8, the new car is to buy insurance?

If you just buy a new car, consider all the content in addition to spontaneous combustion risk of loss and compensation limit, the third party liability insurance is best for higher. If you are worried by the collision, the car scraping, can insure the vehicle damage insurance. The new car is easy to attract the attention of thieves, proposed insured Daoqiang xian.

9, how to understand the no fault compensation insurance?

No fault compensation insurance refers to the motor vehicle and non motor vehicle, pedestrian traffic accidents caused casualties, property damages to the other party, although no fault insurance vehicle, but according to the "Regulations of road traffic accident treatment measures" in article forty-fourth, the economic compensation should assume by insurant 10%. For more than 10% of economic compensation, if the insured has paid to rescue the wounded, and unable to recover the cost, the insurer will bear the liability of compensation in insurance indemnity. The insurer undertakes to 10% and more than 10% of the compensation responsibility deductible amount and, shall not exceed a maximum compensation limit.

10, external repair if need to advance the cost?

When a vehicle accident and report in time for the insurance company survey before the repair, repair the time you need to advance the cost of repairs, and then a car invoice reimbursement to the vehicle insurance organization.

11, without driving license in danger can damage?

Because of the purchase of new vehicles, temporarily without driving license, during accident occurred insurance can damage repair, but need to go through the relevant formalities in accordance with the provisions of the vehicle insurance organization, provide relevant proof.

12, what situation policy needs to change?

Vehicle insurance in the insurance period, if the policy change, such as a new car, the transfer of vehicle ownership, changing the nature of the insurance amount, adjustment or termination of insurance liability, the policy factors are wrong, the insured shall apply for the alteration to the insurance company, the insurance company will issue a number of single account to change content, as part of the supplementary policies.

13, can you buy insurance?

You can, for example in other provinces and cities to buy the vehicle license and registration, but now you need to use the vehicle in the Hangzhou area, you can buy insurance for vehicles in Hangzhou.

14, whether the vehicle can excess insurance?

Excess insurance refers to insurance amount is higher than the new car purchase price, but the excess insurance cannot obtain excess compensation. Because the insurance law, the insurance amount must not exceed new car to purchase price, exceed new car to purchase price, more than part of the void.

15, what is not full insurance? What are the consequences?

Not full insurance refers to insurance amount as specified in the insurance contract is lower than the new car to purchase price, the result is the loss of vehicle insurance occurred after the loss, the insurance company according to the insurance amount and the purchase price of the new liability ratio, also is the proportionality, the insurance company is not in accordance with the actual loss compensation in full, but in accordance with the actual loss amount and the new car the purchase of insurance price multiplied by the proportion of compensation.

16, why the car only by new car purchase price of the vehicle damage insurance, vehicle damage insurance produce partial loss can be calculated for compensation in accordance with the actual cost of repair?

Because no matter new or old, repair should be replaced with new parts, new and old car is the same in after damage repair costs. If the actual value of the insured vehicle damage insurance, the premium is significantly less than the old car, it is not fair for new users.

17, must buy the vehicle damage insurance?

The vehicle damage insurance charge compensation due to natural disasters and accidents caused by the loss of vehicle. This is the most important insurance of insurance. Don't spend a lot of money, but it can get great security. Generally speaking, for imported cars, domestic cars, if the year is not too long, or the driver technology or to vehicle safety driving habits can not provide high security, best can buy this insurance. If you don't keep this insurance, vehicle collision after repairs had his own pocket, that may be thousands or tens of thousands more charges.

18, what is the third party liability insurance?

Third party liability insurance for the insured vehicle accident, direct loss causes the third suffers from a personal injury or property, in accordance with the provisions of the insurance contract insurance compensation. Cover the insurance is the most necessary. Drive the fear most is the crash, crash, his car by the loss is not, but also spend a lot of money to repair, treat others. Against this risk, to spend one thousand or two thousand yuan, can obtain a higher security. In order to make the victim's legitimate rights and interests are protected, the vast majority of local governments will be the third party liability insurance as a compulsory insurance, do not buy this insurance, the car cannot go up card also cannot yearly check.

19, the third party liability insurance, Is it right? Also includes the personnel on the car insurance?

Does not include, to personnel on the car safety guarantee, need to insure the vehicle officers liability insurance. The insurance is responsible for vehicle accidents causing the car personnel casualty loss.

20, if I have insured for accidental injury insurance, whether can not insured vehicle liability insurance?

Suppose you are the driver of a vehicle, for you personally, in your insurance accident injury insurance case, not by vehicle liability insurance to get compensation, but once the accident, from a legal perspective, and your car with relatives, friends and even insurance accident injury insurance is not reduced accordingly you should bear the liability for compensation, in other words: if you hit the same car, which led to relatives, friends of casualties, compensation does not belong to the scope of accident injury insurance. It is recommended that you'd better insure the vehicle liability insurance.

21, what can make up for the loss of the stolen vehicle insurance?

Whole vehicle pilfer, the insurance is responsible for vehicle theft, robbery for all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. If you have been stolen by thieves had hardly wished to live. wallet, you will know if your car is stolen, robbed, apart from causing huge economic losses to you, will be extremely sad, in order to avoid this situation, at the same time, suggest to car with anti-theft device you for it the whole vehicle pilfer (to soothe your wounded heart if the car is stolen, can make up for your loss, economic).

22, spontaneous combustion risk of loss if there is a need to buy?

If your vehicle is a long time use of the second-hand car, suggestions for spontaneous combustion risk of loss. The car can not buy.

23, buy the spontaneous combustion risk of loss, the vehicle on fire, you must get compensation?

Not necessarily. Spontaneous combustion risk of loss is responsible for vehicle and cargo insurance because of the fault of the vehicle electrical appliances, circuit, fuel supply system itself on fire, caused the loss of vehicle insurance; but due to external fire causing the vehicle on fire, do not belong to the spontaneous combustion risk of loss extent of liability. Although the probability of spontaneous combustion vehicles is relatively small, but spontaneous combustion often leads to serious economic losses, so the conditions permit, advise you against spontaneous combustion risk of loss.

Senior audio 24, the car belongs to the vehicle damage insurance coverage?

If senior audio car not with the car product, but also installed, not in the vehicle damage insurance coverage, but the new device to increase the risk of loss can meet your demand for insurance. The categories are directly responsible for the loss of car new equipment caused by vehicle insurance accident compensation. When your vehicle with refrigeration, oxygen equipment, clean fuel equipment, CD and video equipment, leather or power seats not vehicle factory with the equipment, should be considered for new equipment increased risk of loss. Otherwise, these equipment accident damage, if the insured vehicle damage insurance, the insurance company is not compensation.

25, the design guarantee insurance for car pane burst alone?

Breakage of glass for glass and the glass of the windows before and after the design insurance.

For the breakage of glass, car is in park or in use process, the other part is not broken, only windshield and car broken glass alone, the insurance company responsible for compensation. It is necessary to buy this insurance to high-grade car.