Multi factor comprehensive environmental test chamber to buy insurance not be cheap special terms or trap

Abstract: Recently, Hangzhou Mr. Liu drove out of the accident. But, when he was counting the accident compensation, accident found the money lost,Multi factor comprehensive environmental test chamber. "Insurance companies clearly should pay me 9000 yuan, but I finally got it is 8200 yuan, do you have 800 yuan, where to go?" Puzzle of Mr. Liu, a phone call to "auto passepartout".Recently, Hangzhou Mr. Liu drove out of the accident. But, when he was counting the accident compensation, accident found the money lost. "Insurance companies clearly should pay me 9000 yuan, but I finally got it is 8200 yuan, do you have 800 yuan, where to go?" Puzzle of Mr. Liu, a phone call to "auto passepartout".

Hit Cary money 800 yuan less

The dispute originated from last month, Mr. Liu in the urban areas out of the accident. At the time, Mr. Liu drove his small fit in Qiutao Road, change lanes when a careless,Ozone test box water car insurance claims in the Xiamen has more than 800 Department reported loss of 50000000 yuanWipe down from behind, ultra up a coupe. Please move the damage to the front, fit body scratches, front bumper has been extended to the back door.

It is with ordinary accident. Mr. Liu is also the old driver, he decisively alarm, submitted to the insurance, start to deal with the accident. Since before the accident, the car is variable, so the police determine the full responsibility of Mr. liu. A week later, Mr. Liu to fix the car, even with his motor vehicle claims data, to the insurance company. Is Mr. Liu to get compensation, he suddenly discovered a problem --

"Two car garage, should add up to 9000 yuan. Eventually, the insurance company call me Cary, only 8200 yuan." Mr. Liu was hurry up. "According to the truth, for this accident, the insurance company will pay. Why can the compensation 800 yuan less?" He said.

The problem lies in the "designated driver."

To Mr. Liu's phone, the newspaper immediately contact the flying car insurance company. For a start, even the insurance company staff also wonder. Because Mr. Liu this kind of accident, the insurance company Nive out of ten is compensate. He could be out policy, found out the reason -- the problem is in the &ldquo,Ozone box a number of exquisite huanghuali furnitureThe specified driver; "the project.

Originally, the flying car Mr. Liu's home, the owner is his wife, Ms. chen. Last year, when buying insurance, Ms. Chen in order to save money, the number of insurance companies, finally chose to offer the cheapest one. When she did not know, insurance premiums low down, there are conditions -- commercial insurance policy increases the "designated driver" this one. This also means that, once the car out of the accident, if the driver is the "designated driver", the insurance company will be full compensation; if the driver is others, the insurance company compensation will play 10 percent off.

Ms. Chen when buying insurance, will himself as a "designated driver". But before long, she would forget. Home of the flying car, often is the couple changed the open. At the time of the accident, the driver is not "designated driver" Mr. liu. Due to the accident, the car loss is relatively large, 9000 yuan in 8000 yuan is the practice of fit (Yue loss by the insurance compensation, not affected), according to a 9 conversion, Mr. Liu got compensation 800 yuan less. When Ms. Wu to buy insurance, probably saved 300 yuan,Ozone box insurance compensation for less 800 turned out to be a special clause in. So calculated, this hit, also spent more than 500 yuan.

Car insurance, not only cheap
　　
For the compensation funds 800 yuan less, Liu Xiansheng side shouted "wronged". His wife, Ms. Wu said, when buying insurance, sales mainly with she introduced premium advantage. For compensation may discount, almost no mention of. When signing a contract of insurance, she is muddleheaded names, did not pay attention to details. Only to find that when you want to put it down in black and white adults, has not changed.

"Fortunately, the accident loss is very little, if the vehicle damage, or injury, insurance discount again, my loss is greater." In very depressed at the same time, Mr. Liu also feel lucky.

Recently, the reporter interviewed a number of insurance companies in Hangzhou, found that almost all insurance companies, all in the commercial insurance provides "designated driver" option. "The specified driver, can reduce the cost of insurance claim. For there is only one driver families, choose this one, also can save money. Some time ago, has focused on the introduction of this provision, the effect is good. But we soon discovered, is also a lot of trouble. Many owners signed the contract, would forget, lend my car to someone else, the risks; and insurance salesman in order to impact performance, naturally or half unconsciously ignored the deductible clause, dispute." Hangzhou person in charge of an insurance company said.

The official said, in addition to the "designated driver", the commercial motor vehicle insurance, there are some similar special funds. They are selected, can indeed reduce insurance premiums. But out of time, the compensation is also easy to discount. "So when the insured, must buy according to their own needs. To buy insurance, the insurance contract must be read carefully, the liability exemption item firmly in mind, not only cheap."

These special provisions, may also be a trap:

1 insurance, travel region. For example, often in the local car, the "Convention travel region" strategy of Hangzhou city. However, once the car to Shanghai out of the accident, the car commercial insurance compensation will play 10 percent off.

2 not full insurance. For example, the value 100000 yuan car, only 80000 yuan to buy the insurance, such insurance costs only 80% of the original. However, once the danger, commercial insurance compensation is calculated as 80%.

3 omitted some insurance. Car damage insurance, three party insurance, non deductible insurance, seat, pilfer, are common types of commercial insurance. The function of these categories, compensation range is not the same. For example, if you do not cover non deductible insurance, insurance according to the responsibility and compensation responsibility buckle, buckle 20%, the main responsible for the deduction of 15%, with responsibility for button 10%, responsible for the deduction of 5%.