New regulations the first year, how to choose the insurance?

Introduction.Although in the long run, the implementation of the new regulations will change the owner of the driving habits, reduce the accident rate, but in the implementation of the first year, because the owners of the strict traffic signal lights, pedestrians and bus does not adapt, increasing the likelihood of rear end accident rate, rub the greater. Therefore, new regulations the first year, the insured automobile insurance should be carefully chosen, and improving the driving habits.

Since 2009 the establishment of PICC telephone car insurance, I have been for four years, has been glad I don't have insurance, no Zhao things, but in 2013 the first day at work, I have no insurance records were broken.

The seventh day of the seventh lunar calendar lunar January day drive out soon, a Volkswagen Jetta began to slow down in front of the crosswalk, suddenly burst out, suddenly came to a screeching halt, I didn't notice before the car speed lead to car too tightly, the emergency brake in time, a rear end collision, the Volkswagen Jetta car rear bumper results hit to rub out a piece, paint.

"How do you drive?!", "the new regulations have not seen ah?!"...... Jetta drivers face anger broke the door shouting at me.

I know, "I stand on it, stands a big thing!". Hence I hurriedly call 122 and 95518 service hotline for reporting, and then to the Jetta drivers apology, not and in a short while, the traffic police and the people's Insurance Survey members have come, the police found my responsibility, and I buckle 3 points, is said to the crosswalk before slowing down, people's Insurance Survey Officer to inspect the scene, suggested that I go fast claims, and help me with the Jetta drivers negotiation, confirmed by me for the mass driver 800 yuan, make its own repair. He also asked me to shave off the deductible amount on single signed compensation related parts. Unexpectedly, less than half an hour to receive insurance compensation message, then the bank account to remind message, the insurance money to the account, anyway, it managed to solve..

This is exposed to new rules. New regulations "car let pedestrians", "speed reducing driving", otherwise it will buckle 3 points and a fine; but as drunk driving, deliberately to block the plate is more directly revoke the driving license. Before these types of clause regulations also has similar provisions, but the lack of punishment or punishment is not strong enough, so some owners used to rampage, as I also did not think of to the crosswalk next to the pedestrian avoidance deceleration, often to a slam the brakes, rear end collision accident is not, it just happened.

Killer on the road every year, this year much more special. New regulations the first years, Bluetooth headset, safety belt, hiding the red light, avoid pedestrians, let the school bus, but even if you have carefully, also cannot stop being careless drag. The rate of rise to new rules does not adapt will inevitably lead to accidents, so this year renewal insurance, certainly not like usual casually buy sth. After careful study, I made the following several matters needing attention, for your reference:

First of all, insurance choice rather more not less.

Under the new rules, increases some accident, should be well positioned for. For example, cross strong insurance the maximum compensation to injured is 110000, in the life so expensive now, is far from enough, therefore the third party insurance can be up to 500000, if the economy allowed even to 1000000, suggest that coupled with the loss of vehicle insurance and the vehicle officers liability insurance, in addition, especially for the new car, breakage of glass, scratch risks is also a must, in addition to investment and non deductible insurance, as long as the covered this insurance, can put this should by own responsible for 5% to 20% of the liability to pay compensation to pass on to the insurance company, it receives the claim amount will be more, make their own interests to maximize the claim.

Secondly, choose the service claims guaranteed insurance company.

New regulations the first year, small accident collision, rub, will continue, so the choice of insurance companies, fast, effective claims should be put in the first place. The current domestic insurance company according to the principle of insurance claims, is also say the accident, the insurance company will let off out of place recent claims sent to deal with the accident, so be sure to choose a big company those outlets, a good reputation. The largest is the PICC,'s business network covers throughout the country, including more than 1 branches, more than 320 ground (city) level of underwriting, claims / customer service and financial center, is the leading domestic level in the underwriting, claims and reinsurance core technology field.

Finally, pay attention to changes in responsibility, improve the driving habits.

The fact that the car insurance claims not just for not illegal behavior led to the accident. Such as accidentally ran a yellow light, post temporary license for neglect hanging in the high-speed road speeding caused the accident...... These behaviors are new rules Every order is executed without fail., but the accident, insurance companies generally will not stand idly by, but the premise is that the accident is not based on intentional basis; however, that the responsibility in these incidents may according to the new rule changes, which affects the insurance claims. Pedestrians, such as a car came the yellow light and red light hitting, running yellow lights in the new regulations and red light are violations, each bear 50% responsibility in the accident, insurance companies will be in this kind of accident to assume more responsibility to claim, in vehicle insurance fees, if motorists driving habit is not good, probably in the next year by the insurance company as the poor customer and high cost, or even rejection.

From a long-term perspective, new rules for drivers from the legal and economic further restriction, which is conducive to the protection of road traffic safety. New regulations the first year, is running in a year, whether novice or veteran, should cause enough attention in consciousness and driving habits, should prepare well guarantee insurance level, the number and proportion of traffic accidents will become less.