Many owners in the choice of insurance for your car is always confused, car insurance when handled, how to handle. Insurance: insurance must be handled in the licence before, automobile trading market has agency insurance company, to purchase a car together complete insurance formalities, can save trouble in the future. The car must be handled: the third party liability insurance and compulsory insurance. The third party liability insurance: insured or permits driving personnel accident insurance vehicle in use process, causes the third suffers from a personal injury or property damage directly, in accordance with the law shall be insured by economic responsibility, the insurance company responsible for compensation.At the same time, if the insurance company's prior written consent, insured the arbitration or litigation expenses, insurance company is beyond liability limit compensation, but the maximum liability limit of not more than 30%. Cross strong insurance: motor vehicle traffic accident liability compulsory insurance, referred to as "cross strong insurance".Is first implemented by the state laws and regulations of the compulsory insurance system in china."Motor vehicle traffic accident liability compulsory insurance regulations" (hereinafter referred to as the "Regulations" provisions): cross strong insurance is the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the insured) casualties, property losses, shall be compulsory liability insurance compensation within the limit of liability.
A novice how to buy insurance
Vehicle insurance is usually divided into the main risks and additional risks.The main risk generally include cross strong insurance, third party liability insurance and the vehicle damage insurance.The compulsory insurance is a national compulsory insurance, compulsory insurance on the vehicle, annual listing, the transfer is necessary inspection item. But only the purchase of insurance is not enough, because cross strong insurance compensation has certain limit, including personal injury compensation of 110000 yuan, the highest medical highest 10000 yuan and material losses of up to 2000 yuan.So often occurs after the accident, compensation and the actual spending far, it needs further to buy other commercial insurance to supplement. In addition to compulsory insurance, third party liability insurance is necessary.This insurance is mainly for qualified drivers are accident insurance during vehicle in the resulting from the use of the third direct property loss and casualty losses.As for the insurance coverage, insurance stakeholders suggested, "it is best to choose the amount of 500000 yuan, because in accordance with the previous example, the accident after the owners compensation to the third general in 400000 yuan to 600000 yuan, 100000 yuan, 200000 yuan and 500000 yuan premium price difference is not large." About the additional risks, this personage thinks, breakage of glass and scratch insurance owners should try to insure, "especially the new car, the novice should buy.Because of the large risk of vehicles in the process of breaking glass, be cut plan." For non deductible (some insurance accident caused by the compensation, there are 20% required to assume by insurant, if the owners prior to purchasing the non deductible insurance, so this part of the loss will be borne by insurers), suggested that the owner to insure.In actual operation, non deductible is a good insurance shall ensure, most owners would like to buy the main risk as the attached purchase insurance, because in encountering accidents, the insurance can reduce the loss.
Car insurance do not spend the money wrong choice really need insurance
In the provincial authorities of Ms. Wang recently spent 100000 yuan to buy a new car, in the face of the enthusiastic 4S shop sales of insurance, Ms. Wang did not know what to choose insurance. At present, the auto insurance in addition to "cross strong insurance" is a statutory compulsory insurance, the rest are commercial insurance, such as the loss of vehicle insurance, commercial third party liability insurance, whole vehicle pilfer, car personnel liability insurance, non deductible special insurance, no fault liability, breakage of glass and so on, almost think of the damage will have the corresponding insurance. It is understood, many Hangzhou motor sales agent vehicle insurance business, some have also introduced a car to the insurance benefits, or to the owners of some discount on price, and also provides some reasonable suggestions for the owner, new owner very convenient.But there are also some car sales of the company and the agent of the insurance company doesn't consider the owner's own situation, recommended to the owners of all types, because the new car owners are not vehicle insurance experience, very easy to cover almost no insurance. According to the experts, the new owners to buy insurance, can be based on four factors, namely the car, people, use, area.As the new car price is not high, the driver is a skilled driver, car is mainly work on the shuttle children, this situation occurrence rate is very low, only need to buy compulsory "pay strong risk", the basic insurance, car insurance and liability insurance can be a third.If the driver is new, there is possibility of scraping, can increase the non accompany insurance and other insurance. If a new car is more than 100000 yuan, in high-grade car, owner is a novice, mostly for driving to work, but sometimes driving tourism, then owner best buy besides the compulsory insurance and basic insurance, buy the non deductible insurance and pilfer.But the new car in two or three years, do not have to buy the spontaneous combustion risk. Now, many owners insurance commercial third party liability insurance like higher amount, concerned, if the driver is new, and the opening of the road haul or dangerous sections, may wish to do so.If you work in the urban areas short, no need for large amount of insurance.
Avoid rights for auto insurance fund
To buy a suitable insurance has become a car event, according to the complaint handling experience, Shanghai City Consumer Protection Committee for auto insurance fund: Never covet cheap now, some unscrupulous insurance agents to earn more profits, the consumers "psychological consumption saving premium", the misleading false vehicle age, or not in the insurance and other ways to do low premium, low ceiling. In this regard, Shanghai City Consumer Protection Committee to remind the masses of consumers, cheap auto insurance on the surface have good prospects of gain, violate the principle of utmost good faith "in the insurance industry".If consumers fall into the trap of low-cost insurance, in personal credit records left integrity stain, if the accident happened in the future, also will not get full compensation. Check the agent qualification part without qualification of insurance agent mixed with auto insurance market, exaggerated publicity to consumers on the selling insurance, make false promises, misleading consumers.In this regard, Shanghai City Consumer Protection Committee to remind consumers, buy insurance to see whether the agent holds a qualification certificate, verify the propaganda content they and oral commitment to the insurance company when necessary. See the terms of the contract of insurance contract is written proof to establish the relationship of rights and obligations between the consumer and the insurance company.Because the terms of the contract, the contents of professional complicated reasons, some consumers buy insurance not to read the terms carefully.In this regard, Shanghai City Consumer Protection Committee to remind the masses of consumers, purchase insurance must see the contents of the contract, especially to see the provisions regarding the deductible aspect, when necessary, require insurance companies to explain it, do it as clear as noonday consumption. Avoid insurance "vacuum"
part of consumers to buy second-hand car, car insurance transfer procedures were not handled in a timely manner, if the accident, will not be able to obtain compensation.In this regard, Shanghai City Consumer Protection Committee to remind the masses of consumers, not only to the timely processing of vehicle transfer procedures, but also a timely run auto transfer procedures, do not let the vehicle insurance "vacuum period".
What kind of insurance is the most cost-effective to buy insurance? Different age of car
Vehicle insurance variety, the choice of what kind of insurance is the most cost-effective?Reporter with the vehicle service life, purchase a car to car age is divided into three categories: the first purchase a car people, driving 2 - 5 years of people, driving 5 years of people, to consult the relevant personage of the insurance companies, they combine the different needs of customers, one one did. The first purchase a car "novice": recommended to buy "" Yunnan Shun'an insurance Broker's Firm manager Yang Yingrui said, the basic insurance including traffic compulsory insurance, the conventional vehicle damage insurance, non deductible insurance, but usually we called all risks in insurance before three when the third party liability insurance, liability insurance, car insurance, whole vehicle pilfer scratches, glass is alone a total of 8 kinds of risks of breakage.Traffic compulsory insurance must be guaranteed for insurance, novice drivers must be added to protect the third party liability insurance, economic conditions, and parked vehicles used and often travel to the field of vehicle suggest to buy pilfer rush to deal with an emergency.In the range of economic conditions allow, suggested a new car to buy "mentioned above". Sunshine Property Insurance Insurance Limited by Share Ltd deputy general manager Zheng Yunchuan said, the new car driving, are generally more careful, treasure, big accident less, however because of driving technology, the vehicle collision situation more, stand in the customer point of view, suggest to buy body scratch insurance.The owner can also be in accordance with its own situation, vehicle spare degree, insurance demand considering the purchase of car caustic danger.Secondly, the third party liability insurance also suggest to buy insurance, not less than 100000 yuan.Because of this risk relates to the property and personal safety of payment, in the traffic accident, will have certain security of another person's property and personal safety.For the persons in the vehicle liability insurance, if buy life insurance, stand in the customer's interests, suggestions can not buy.If the customer has its own parking spaces, residential special tube care, can consider to not buy pilfer rush to deal with an emergency. People driving 2 - 5 years: according to the need for security Yunnan Shun'an insurance Broker's Firm responsible person Yang Yingrui suggested driving 2 - 5 years, if satisfied with their driving technology, can choose to only cover insurance on the third party liability insurance and compulsory insurance, if the driver is cross-country car, because the off-road vehicle speed, and suggestions to protect the third party liability insurance and car liability insurance.According to the different price, Yang Yingrui suggested: prices in the 3 - 100000 or so models, suggest that inclusion of vehicle damage insurance, non deductible insurance, if the risk of higher consciousness of people, especially the female customers, on this basis, and the vehicle officers liability insurance, micro vans and small trucks must cover the car liability insurance; price in 10 - 250000 between the models, recommendations and loss of vehicles in the above mentioned insurance in insurance, whole vehicle pilfer. Sunshine Property Insurance Insurance Limited by Share Ltd vice general manager Zheng Yunchuan said, in general, 2 - 5 years, it is the best time of accident risk, although small, but also can not be ignored, the applicant may accordingly insurance according to their own need what kind of security.But this part of the insured with the drive for years, driving the technology has improved, the amount of insurance coverage may be appropriately reduced, third party liability insurance coverage for example can be appropriate to reduce. Driving 5 years: to the car insurance Sunshine Property Insurance Insurance Limited by Share Ltd deputy general manager Zheng Yunchuan, general driving 5 years people can also be counted as "old car", without much of a problem in driving, but the vehicle with the increase of service life, performance may be reduced, vehicles are prone to spontaneous combustion phenomenon, especially the micro car, suggestions the vehicle used for more than 5 years old. They increased risk of spontaneous combustion.
The insurance company to say "do not pay" 14 kinds of insurance status Many owners think car voted "all risks" no danger of anything going wrong, but in fact the "all risks" also includes only the automobile physical damage insurance, third party liability insurance, risk daochengjian, glass, scratch risks, staff car insurance and non deductible and several other categories.Author from Beijing China Automobile Club insurance claims department learned that, in certain circumstances, even against the main risks, additional risks, the owners still have to "pay for itself". 1, drunk driving, driving without a license, driving permit, driver's license failed the inspection does not pay: these situations, the driver does not have the qualification of running on the road, a serious violation of traffic law.In addition, the driver and the quasi driving type does not match, the internship period of high speed situation, the insurance company will refuse payment. 2, do not pay: earthquake followed most of the property insurance does not cover earthquake responsibility practice, due to the lack of data and experience, insurance regulators do not encourage insurance companies. 3, spiritual loss not paid: most clauses have similar provisions, "caused by the accident insurance of any mental compensation as the liability exemption". 4, during the repair period loss not paid: repair factory is responsible for the safekeeping of repair vehicles, therefore, if the vehicle is any collision, theft losses during the repairing period, the insurance company will decline. In 5, the engine inlet of engine damage: the insurance company that the damage is due to improper operation, when the vehicle is moving to the water depth, the engine flameout, pilot and forced ignition caused damage.This clause is after last summer's rain surfaced. 6, do not pay: not tire damage occur in other parts of the body of the vehicle, only individual wheel damage without compensation.Of course, due to the tire burst caused by collision, rollover accident, cause other parts of vehicle loss, insurance companies are still responsible for compensation. 7, is the article on the car crashed without compensation: if the vehicle is loaded the car or the roof of goods damaged, the insurance company is not responsible for compensation. 8, without loss of direct repair does not pay: if the vehicle in the field be or get out of danger, must first set loss to repair, otherwise the insurance company would be unable to determine the amount of loss because of refuse compensation. 9, the negative people the full responsibility put away not lost: when the collision with other vehicles, responsibility is in the other side, if you give up the right of recovery to third parties, will give up the right to demand compensation from the insurance company. 10, the car was not lost, lost not lose tire: if not the whole car stolen, only parts such as tires, audio equipment is stolen, the insurance company is not responsible for compensation. 11, with no insurance car crash does not pay: if car towing a no insurance third party liability insurance of vehicles on the road, and other vehicles collided and take full responsibility, the insurance company will not make any compensation. 12, hit the family not to compensate: the first, the second refers to the insurer, the insured (the driver as the insured).In addition to these people outside, are regarded as the third.But in the insurance clauses, the insured or the driver's family members excluded from "third" category.If your man knocked, the insurance company as the exemption.Similarly, being hit by vehicles the same unit name not through the third party liability insurance compensation. 13, light or mirror alone and broken not compensate: this disclaimer is in order to deal with some repair factory previously replaced broken lamp fitted to the other car models on the same fraud, fraud claims. 14, its own set of equipment not lost: the owner himself with audio, radio, refrigerator, tail, luggage rack, if not this separately insured, once hit by losses, the insurance company will not pay for it. The above 14 kinds of situation occurs, the insurance company will not say to you "".How to avoid these risks happen to them?CAA insurance experts recommend you at the time of the application, choose authoritative professional Proxy Companies and hold the CIRC issued agent qualification certificate of the sales staff, Proxy Companies will according to the actual situation to help you choose the right insurance company, insurance can avoid some decline phenomenon.
Insurance claims difficult to repair problems where the difference The number of private cars in the growing today, increased about insurance claims and disputes.Often hear some owners in the loss after complaining about "insurance is easy, difficult adjustment".Originally intended for car escort car insurance, would encounter so embarrassing? "Insurance claims difficult, many owners do not know when it is and the insurance claims process, don't know what the insurance and the lack of good communication with the insurance company by."Analysis of Zhejiang Insurance Industry Association Insurance Department Director Zhu Xiaolei. Repair the difference problemIt may be insured special additional risks "4S shop repair post problems is a type of insurance disputes more see."Zhu Xiaolei revealed. After be or get out of danger, many owners will choose to go to the 4S shop repair, but the 4S stores offer accessories are often higher than the insurance company claims, the difference in which the only to be borne by the owners themselves, the resulting disputes plagued consumers and insurance industry. Zhu Xiaolei think, the reason of this problem mainly has two aspects, one is the legal and insurance clauses to be perfect and clear, the lack of uniform standards in the choice of repair factory and accessories; on the other hand is basically in the 4S shop repair price monopoly, sometimes the same parts into the 4S store, worth will than in ordinary repair factory several times higher. In order to avoid because of the difference of claims disputes, experts recommend owners in the insurance insurance additional risks special addition of repair, the insured can be in the 4S shop repair.If an insurance company launched the "specialized factory repair clause", car damage insurance premium rate is 20% (car) or 30% (imports), the owners after the optional 4S shop for repair; if the owners do not cover the additional risk, but still want to go to 4S shop repair, may need to bear the repair costs. Choose the right productTo avoid claim dispute Select the appropriate insurance products is also effective measures to avoid claims.Expert proposal, must combine their own living environment and condition chooses the auto insurance.The new proposals to choose and buy pilfer rush to deal with an emergency; cars recommended to choose the risk of spontaneous combustion in 5 to 10 years; for often in the rain of the vehicles, recommended to choose the engine wading insurance, can effectively reduce the vehicle key parts of the loss in the typhoon season rainy.At the same time, we should read carefully the terms of insurance in the purchase insurance, pay special attention to the exemption clause except responsibility. In addition to a reasonable choice of insurance products, the insurance amount of choice, Huaan property insurance Zhejiang branch underwriting department person in charge to consumers put forward the following suggestions: one is to full insurance, otherwise after the accident will not get full compensation.The two is to avoid excess insurance.In vehicle damage insurance, the insurance company will strictly in accordance with the actual losses to determine the amount of compensation for vehicle, if the actual value of the vehicle is only 100000 yuan, the highest insurance company claims will not be more than 100000 yuan. Accelerate the speed claims Claims efficiency is decided jointly by the owners and insurance companies."Changan insurance Zhejiang branch relevant responsible person said, the owner is not timely alarm, documents are not complete and not with the insurance companies reached a good communication, are the reasons for extension of time.So have insurance, consumers should pay attention to what? Insurance is required for both "speed" After be or get out of danger in time."Some customers after be or get out of danger is not timely report, makes this simple case more complex."Ping An insurance company Zhejiang branch customer service manager Tang Yimeng said, "this dispute actually can be avoided."It is understood, at present the insurance company insurance clause is stipulated, after insurance accident happens, the insured person or the driver has the obligation to notify the insurance company, in 48 hours after the accident. Otherwise, resulting in the loss of uncertain or losses, the insurance company does not assume liability to pay compensation. In addition, Tianping auto insurance Zhejiang branch relevant responsible person also remind the owner, in car insurance claims process, to ensure that claims material complete, cautious agent, and the best person to receive indemnity. The survey also learned that, in order to better promote the insurance service quality, and safeguarding the interests of consumers, Zhejiang insurance industry has introduced a number of measures.If CIRC Zhejiang Bureau in this year launched the "2009 insurance claims service nine things", to urge insurance companies to improve their claim settlement service quality; the provincial insurance association following the launch last year "Zhejiang insurance motor vehicle insurance claims service commitment to the book" and "the insurance industry of Zhejiang motor vehicle claims service standards", to claims personnel arrived at the scene length aging, claims are made specific provisions, there is a plan to solve the problem of simplifying the claims process, reduce the documents, accelerate the speed claims introduced new measures.But peace, China United, earth, Hyder insurance company also recently have introduced above industry claims service standards of commitment.
Tips to help car owners claim "" Many owners of a friend in time for the claims procedures feeling is not smooth, feel the process is too complex, but also provide a lot of documents.In fact, the necessary processes and procedures are in order to make claims process more formal, so as to truly protect the interests of consumers.Here are some tips to give the owner claims some help and remind. Single is claims for loss.Usually the loss single repair price refers to the automobile repair required to pay, unless in the automotive repair parts that insurance companies found new fault, need to be hurt, or loss of single repair price as the insurance company needs to give the owner indemnity basis.Hope that the majority of the owners of friends to keep the documents themselves so as to avoid damage, claims problems. Another danger rescue and claims.When the car is different at the time of the accident, the owner must timely report, wait for the insurance company claims.The owners not to repair the vehicle or wheeled carts.Because of unauthorized repair vehicles hauling caused car loss, the insurance company usually is not responsible for claims.When the car is different at the time of the accident, the owner also need the first time taking pictures the scene of accident as claim credentials.If the loss will be difficult to do a good job accidents will be damaged during a predetermined time period, the owner can also through the photos and the actual repair document, the claim to the insurance company. The agreement of both parties to solve the accident to leave evidence.The scene of the accident quickly and convenient treatment both the accident, but the driver did not understand the "fast processing procedures and regulations" accident, think that as long as the responsible party can make economic compensation, even the traffic police did not notice to the site, results in insurance claims on the very trouble. According to the formal process of accident.After the occurrence of a traffic accident, some owners like the agreement of both parties, that would be a waste of time to claim.The result is the time delay claims, often get no compensation at both ends, only to the stomach of grievances of pharynx.So when the accident happened, it is best not to privately negotiated, more can't swallow insult and humiliation silently, should choose according to formal procedures to handle, so as to safeguard their rights and interests. The necessary claim common sense can not only remind you used the most simple way to collect claims materials needed, easy case processing, can effectively avoid risks for you, make your rights and interests to obtain the biggest safeguard, do not ignore these small details, seemingly cumbersome process, the real point is not complicated.