Car insurance every year to pay

Of course every year to payAutomobile insurance

A lot of new car owners in the purchase insurance when they feel not know what course to take, worry about buying unnecessary risks, spending money, the following case for these owners tailored, consult for everybody to share.

Case:

Proposal: according to the actual situation of Mr. Chen, we recommend the following insurance coverage for Mr. Chen to mix, have a more comprehensive support for Mr. Chen's family, buy new cars and others.

Summary: buyAutomobile insuranceThe purpose is to guarantee at the time of the accident, he has sufficient funds to pay and respond to possible losses, but also to protect the financial stability of the family, not the family's financial burden, influence of family happiness of life. Summary according to the industry veteran who claims, many major accidents, the insurance is not bought, insurance not with science, in the event of huge losses, the owner can only regret and complain, but it's too late. Therefore, we recommend the new owner consulting professional insurance people buy insurance, insurance for reasonable collocation, make the risk and the loss of their own to a minimum.

"This insurance how much trouble, it is a very simple little accident, busy for nearly three weeks, get indemnity." Mr. Gao, novice shortly before the accident occurred, although the car damage is not serious, but the claims cost him a lot of time and energy. This gives him the "insurance is easy, claims to" feeling.

In fact, Mr. Gao problems also occur in many other car owners, vehicle after be or get out of danger, worried not just car damage, also includes the problems of claims, of which the most outstanding one of the most common problems, is about the vehicle insurance amount of dispute.

Not long ago, the reporter on this issue to the Ping An insurance company, insurance claims department for an interview. Concerned expert expresses, to the insurance dispute between owners and insurance companies to resolve, starting from the owners point of view, only need to master some tricks, claims will become much more smoothly.

One trick: the loss amount is open to resolve the dispute

For repair price disputes between owners and insurance companies, the most prominent problem. Often it's the amount of repair factory repair costs are higher than the amount of loss of surveyor approved.

Surveyor will reference to the market price in repair damage, determine a reasonable amount of repair, but repair factory for purchasing channels and other reasons, the parts of higher prices, or repair factory because of other reasons, resulting in relatively high amounts in repair. In fact, in this case, the insurance company's service is humanization, and not a "digital life", if the customer loss amount to have the objection, can in fact and the loss will be more communication, consultation and treatment by the surveyor and repair plant.

Tip two: parts repair method to determine in advance

The second is the damage to some parts of vehicle, what should replace or should continue to use after the repair, consumers and charge members opinions may differ.

Generally speaking, the insurance company to deal damage to the vehicle parts to repair the damaged parts, which can repair, and not the normal use function, should be repaired. If the components are damaged beyond repair, can replace the damaged parts. As owners, may in part after damage has occurred, in order to avoid future trouble, most tend to direct replacement.

Therefore, on or before repair repair process, recommends the insured promptly with the surveyor negotiation, to determine a good repair, so that we can get the corresponding compensation.

Tip three: according to the 4S store for loss of Mo to General Factory

　　Ping An insuranceExperts also remind the owner claims, if already and survey members confirmed the loss amount shall be determined according to the 4S shop repair mode, never again to the ordinary repair facility.

Because the amount of 4S repair shop is in need of repair amount higher than ordinary repairs, if the customer in accordance with the loss amount 4S shop to the general repair plant cover the repair costs, repair costs the equivalent of customers pay much. Then the claim, the insurance company is repair factory standard according to the customer the actual choice of the re recognition of the loss amount, the owner may create unnecessary expenditure burden.

Ping An insurance experts also said, if the owner friends in the claim process have any questions, you can sell backup system through safe electricity "claim little secretary" function, the owners only need to dial the phone, we have professional staff will provide services report. Both the remote telephone or store can guide the customer shall claim.