The concept of motor vehicle insurance

   Motor vehicle insurance is based on the vehicle itself and its related economic interests as the object of insurance not a fixed value of property insurance. With the development of economy, the number of motor vehicles increases continuously, the motor vehicle insurance has become the largest property insurance insurance business in china.

Motor vehicle refers to the automobile, tram, battery car, motorcycle, tractor, special vehicle, a variety of special vehicles. Motor vehicle insurance generally includes the basic risks and risks of the two part. The basic insurance for the vehicle damage insurance and third party liability insurance.

The vehicle damage insurance premium vehicles in the following reasons caused by the loss, the insurer is responsible for compensation: collision; fire, overturning; external objects collapse, air operations object crashes, running parallel to fall; lightning, storm, flood, storm, tornado, tsunami, cave, ice fall, cliff collapse, avalanche, debris flow, hail, landslide; ferry carrying insurance vehicle suffered natural disasters (limited to the driver vehicle caregivers); insurance accident, the insured to take reasonable expenses the rescue, protection measures for vehicle insurance expenditure, but the maximum amount of compensation for the expenses shall be limited to the insured amount.

The motor vehicle third party liability insurance is a qualified driver insured allowed accidents in the use of insurance vehicle process, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurer in accordance with the insurance contract compensation. But because of the aftermath of the accident, the insured is responsible for processing.

Motor vehicle damage insurance and third party liability insurance liability exemption: natural wear, rot, fault, tire blowout, earthquake, artificial direct fuel, combustion, high temperature baking, war, military conflict, * *, seizure, forfeiture, competition, testing, into the factory repair, and directly or indirectly caused by the year 2000 problem loss.

In addition, the motor vehicle insurance and a series of additional risks. If the personnel on the car seat liability insurance.

Pay attention to the problem

A, do not repeat the insured

  Some self insured that cast a few more copies of insurance, the insured vehicle can be more than a few compensation. In accordance with the provisions of the "insurance law" fortieth article: "total amount of compensation insurance vehicle each insurer shall not exceed the insured value of the. "Therefore, even if repeated insurance policy holders, and will not be super value reparations. 　　Two, don't over insured or not insured in full

   Some owners of vehicles, it is worth 100000 yuan, against 150000 yuan of insurance, think more money to pay. While some car worth 200000 yuan, but the 100000 yuan. These two kinds of insurance can not get effective guarantee. Basis "insurance law" thirty-ninth stipulates: "the insured amount shall not exceed the insured value, more than the insured value, the part in excess of invalid. Than the insured value, unless otherwise stipulated in the contract, the insured amount and the proportion of the value of the liability insurance. "So the excess insurance, not full insurance can not gain additional benefit.

   Three, insurance to save

   Some owners in order to save premium, want to reduce the risk of several, or only the car caustic danger, not to protect the third party liability insurance, or only the main risks, no additional risks etc.. In fact, each type has its own insurance liability, if the vehicle is really an accident, the insurance company can only be based on the original insurance contract assume insurance responsibility to pay, and some other loss owners may not get compensation.

   Four, timely renewal

   Some owners can not be timely renewal in the insurance contract, but the weather is unpredictable, if the vehicle is in the past few days out of the accident, not too late.

 Five, it is necessary to carefully review the insurance documents

   When you received the insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed "China Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in * * province (city, autonomous region) sales", if not you can refuse to sign.

 Six, pay attention to the authenticity of the audit agent

The insured must choose the approval of the State Insurance Corporation insurance, and not only save map and find an insurance agent insurance, lured more cannot be called "high return", for the benefit of small and false agent when.

 Seven, check the policy completing insurance procedures to get the original policy, to check the policy the listed items such as license plate number, engine number, if there are any errors, to make corrections immediately.

 Eight, carry insurance card

Insurance card should be carried with the vehicle, if the accident, shall immediately notify the insurance company and report to the traffic management department.

Nine, early renewal

Remember the date of insurance, advance for renewal.

Ten, pay attention to students "fraud" trick Mo

There are very few people, always want to insurance as a shortcut to get rich, such as some first loss insurance, some man-made accident accident, forge, alter, add some repair, medical and other invoices and proof, these all belong to pianpei range, is the law. Therefore, every car on these issues, don't play small "smart".

   Eleven, the definition of third party insurance, should be excluded from the family in the outside.

   Have such a provision "the insured or permits driving people and their families, and all the casualties or property in the custody of the loss" insurance except responsibility, automobile accident drivers and their family members, the insured person's family members is not in the scope of third party within the. Auto insurance provisions provisions is to prevent the insured to obtain insurance for family members of intentional injury.