Automobile insurance

 

   1 how to choose the car insurance insurance

   Buy insurance seven principles -- purchase insurance seven principles

   Buy car insurance is for the purpose of security at the time of the accident, he has enough money to pay the possible damages, but also to protect the capital stable family, not the family's financial burden, influence of family happiness of life. The author witnessed a small car insurance claims numerous, met so many auto insurance accident. For some major accidents, the insurance is not bought, insurance not with science, in the event of huge losses, the owner is more regret and complain, but it's too late. Let me feel the most profound and most helpless is many people always ask me: "my car for insurance in the insurance company, you should pay me?" But, when I put the insurance policy to explain them clearly, they will regret buying insurance collocation.

   The following is my nine years of experience, from the car to the risk management point of view, you are ready to buy a car insurance owners several principles and the heart:

   The principle of the priority to purchase insurance, third party liability in. All automobile insurance the third most important. After all, can not drive car is ruined, however, others are exempt from compensation deal, when buying car insurance will maintain the capacity loss for others should be put in the first place. Otherwise, the only thing you can do is in after the accident occurred, to sell your house, or divorce property preservation, would you? The loophole is the premise of each other not to your assets for preservation of property. So, in order to avoid the kind of trouble, or the third will be.

   The principle of insurance amount two or three party insurance refer to the location of the standard of compensation. All parts of the country standard of compensation is not the same, according to the highest standards of automobile insurance compensation calculation, if the death of 1 people, the highest compensation in Shenzhen area can be reached 1500000 yuan, the highest possible Beijing area to 800000 yuan. I give you an example: if the traffic accident 08 years to pay the full responsibility, the death of one person, the dead, 30 years old, Beijing city registered permanent residence, compensation is calculated as follows, an estimated 600000 yuan. 1) death compensation of about 400000 yuan. (calculation method: compensation for death shall be the seat of the court last year for urban residents per capita disposable income per capita net income of rural residents, or according to 20 years. 2007 Beijing city residents per capita disposable income reached 19978 yuan; per capita net income of rural residents was 8620 yuan. Death compensation for 19978*20= about 400000 yuan) 2) if there are children aged 1 to 18 years old, alimony payments. 3) if there is an old man needs, need to pay alimony. The above three may add up to more than 600000. If the owner in Beijing, suggested that have a look your old insurance, if the insurance amount is insufficient, suggest that you at least cover more than 200000, has the condition of 500000 insured, safety!! Save the third party liability insurance money to not. Some insurance companies in your insurance more than 500000, also refused to insurance. From this point of view, you should know the key third party liability insurance.

   Principle three, buy enough staff car insurance, car insurance and repurchase. You are the people who drive, if no other accident insurance and medical insurance for their owners, the last 100000 drivers as insurance, medical expenses, be responsible for the family. Passenger risks if the passenger probability is much, can the insured amount more, 5-10 million / seat, is responsible for the family and passengers. If the passenger less, each with a guaranteed 10000 more economical.

   Principle four, buy car caustic danger after buying other types. Traffic accidents are often accompanied by the damage of automobile, needless to say here.

   Principle five, the purchase of three party insurance, liability insurance, driver and passenger seat car damage insurance deductible insurance. Spend a little more money, let the insurance company compensation does not buckle buckle that this.

   Principle six, other categories (pilfer, glass, spontaneous combustion, scratch risks) combined with their own needs to buy. For example, pilfer, glass, spontaneous combustion, scratch insurance and other insurance, in the car in the risk, the risk of 1-5, not on your family happiness and financial leads to severe impact. Therefore, suggestions more demand to buy. Should ensure the front principle 1-5 satisfies the condition in consideration of principle six categories.

   Principle seven: after buying the insurance, money burning, but the insurance company insurance more hope you make the better! Every car, cross strong insurance belongs to the compulsory insurance, than to buy insurance, other do not introduced, otherwise it will disrupt your audio-visual, influence your judgment.

   

    2 new cars to insure the most cost-effective - insured skills

   Recently, according to an insurance company managers said, the company insurance personal business of more than 80 percent comes from automobile dealers and Proxy Companies, the fee ratio directly about performance. Many agencies and distributors and agents of many insurance companies insurance, who charges high, is a policy, often have small insurance companies sell high fees to attract agents, rather than direct users.

Insurance companies offer are obtained by the calculation results, in addition to the designated driver, certain models have a certain preference coefficient, no two price, but few owners to direct insurance. Although insurance companies try to direct contact by telephone terminal customers, such as telephone marketing business insurance, compared with standard rates have come down, but limited to the publicity. The owner of the consumption habits and the after sale service, the performance is not ideal.

Automobile insurance service experts say: although prices higher, but the standard insurance agents in avoiding risk, customer service quality is obviously more secure. In fact, the insurance agents play the same role is "agent". In signing the "contract" with the insurance company, insurance agent was awarded a single right, can get not less than the insurance salesman fee ratio. Specification, reputable insurance agents often attaches great importance to customer service service quality, and not directly discounts on insurance benefit.

 

    3 to buy insurance when you read some accident insurance companies do not lose - insurance case

   Last week, a friend in the club forum posting said, his car parked in the community, I do not know when to hit, report to the insurance company, the results for he said no time car damage specific and who hit, the insurance company refused to compensate.

There are many similar cases, then, what accident easily trigger disputes and disputes in the claim?

The car accident by friends, not compensation?

Case 1: friends borrow the car after traffic accidents, the insurance company refused to compensate. Hangzhou Cheyou Mr. Wu has encountered such disagreeables. Last month, Mr. Wu loaned his car friend Mr. Liang Liang, results in out traffic accident, the Traffic Police Department identified, responsible leung.

The insurance company sent surveyor of damage on the vehicle, the cost as high as 40000 yuan, surveyor also told Mr. Wu, the insured vehicle driver is Mr. Wu and his wife, but the danger is Mr. Liang, the insurance company can not pay. Mr. Wu was difficult to understand, why the vehicle to buy insurance but not a claim?

Analyse

Now, many insurance companies in the insurance to the owner, will use low discount to attract the owners, but cheap auto insurance is often hidden traps. For example, some insurance companies promised half off concessions, in fact, which not only limits the models, even the driver, gender, age of customers on the insurance vehicle also cards very strict, handling insurance does not pay attention slightly, easily trigger disputes claims at the time.

In the purchase of insurance, the owner should pay attention to the relevant provisions of the insurance company to see. If your car could lend others driving, the owner should pay attention to the relevant regulations in handling insurance, avoid to appear similar trouble.

The car was no claims?

Case two: if Mr. Zhao's car has been parked in residential, path spaces, but one day, he suddenly discovered that the body was a fresh high scratch. Who is responsible? Four no one, no camera, Mr. Zhao angry had to report to the insurance companies, claims. The insurance company asked about the incident, Mr. Zhao said no car was designated time, also cannot find the perpetrators. So, the insurance company claims personnel to "grounds for owners can not be clearly car damage time and the perpetrators", only to lose to Mr. Zhao loss of 70%.

Mr. Zhao bought non deductible insurance think impassability, but returned home after a careful look at the policy terms their, there really is such a provision, had to suffer in silence.

Analyse

In fact, this allows the owner to unbelievable exemption clause is the insurance industry regulations. Reportedly, the current insurance claims are very flexible, the insurance company will find all kinds of reasons to reject and less. Therefore, the owners to buy insurance affairs to understand clearly.

More insurance not to lose?

Case three: years ago, Mr. Wang spent 120000 yuan to buy a used car. In the proposal, Mr. Wang thought more insurance can compensate for some, he was the original price 220000 yuan to the car for the insurance, insurance against loss of vehicle, third party liability insurance, pilfer, non deductible insurance, a total of four thousand yuan.

Unfortunately, last month, the occurrence of spontaneous combustion of Mr. Wang's car, the insurance company only agreed to in accordance with the actual value 120000 yuan compensation of old car to Mr. Wang, this let Mr. Wang is very depressed.

Analyse

Insurance shall, according to the insurance vehicle insurance actual value when determining. The full insurance at the time of the accident, ensure to get reasonable compensation. But the owners do not excess insurance, because excess insurance and can not be excessive compensation, to do so, just a waste of money.

The new car the most stolen for 80%?

Case four: Mr. Wang's new car recently to the period, while insuring car insurance, accident insurance salesman learned from, insured Daoqiang Xian, once the vehicle is stolen, only lost 80%. Mr. Wang figured, own this car is worth 200000 yuan car, in case of theft, most can only pay 160000 yuan.

It spent nearly 2000 yuan premium, the insurance company is not something to lose, Mr. Wang felt unfair.

However, compared with Mr. Wang, Ms. Tong more depressed. Last month, her car in the parking lot, the results of four tire was stolen, I voted pilfer, but the insurance company does not give compensation, the reason given is: the car insurance car, not the whole car thefts, only the car parts or ancillary equipment was stolen or damaged, with "non the car was stolen" and "exclusion", not the claims.

Analyse

In fact, the insurance company sales of pilfer "doorway" many, many private car owners in the policy process, because do not see terms or not understand terms and easily disputes.

Under normal circumstances, the insurance company to implement 20% deductible franchise on the whole car robbery, and some even reached 30%. In addition, most insurance companies shall, if the insured person in the claim, cannot provide the vehicle license, vehicle purchase not provide original invoice, cannot provide the vehicle purchase surcharge certificate or the car keys, each missing item, the insurance company must increase 5% franchise, so, sometimes even lost, also compensate not to many.

Not part of car 出险 be rejected?

Case five: last month, Mr. Zhang's car accidentally hit the guardrail on the highway, has thought of for car insurance, Mr. Zhang was very relieved to find a claim with the insurance company, but later found out, he did not go to the insurance company claims. Because of his car after the examination time but did not timely inspection.

A few years ago, Shaoxing Ms. Zhou encounter with Mr. Zhang is similar, her a failure on the licensing of new cars parked in the area outside the road was stolen, she go to the insurance company claims but was refused, the reason is her new car not on the card, she cast the insurance can not take effect.

Analyse

There are provisions in the contract of insurance: Insurance applies only to eligible vehicles, for not part of the vehicle and the vehicle is not registered, are regarded as unqualified car. So, vehicle mainly timely inspection, lest the claim was twelve.

Also new in the card before, the owner must be careful, don't stolen and knocked, otherwise have no compensation.

Therefore the cost is lower than the actual repairs, car owners a difference?

Case six: Mr. Gu car recently ended, the badly damaged. After the accident, the car to Mr. Gu special repair center repair repair center, the price 140000 yuan. However, car repair to the half, he suddenly received the insurance company phone, said they were the accident loss of 90000 yuan, more than 50000 yuan to Mr. Gu themselves.

After Mr. Gu heard the news greatly puzzled. However, repair center and insurance companies each have an argument. Repair company says their parts are imported, the price not expensive at all; but the insurance company said the loss, they evaluated by professional personnel, this car 90000 yuan to repair.

Analyse

After be or get out of danger, the owners choose to have qualification, the scale of the auto repair shop is not in violation of the stipulations of the contract of insurance, but this approach because of the insurance company is not present and proved unable to repair costs are reasonable losses, so the owners of extra costs must also bear some responsibility. The court also have this kind of case.

   Proposal owner in after be or get out of danger, should be reported to insurance companies, insurance companies, together with the member of the damage repair company, agreed to in the repair price, or signed a multilateral agreement, to avoid disputes.

 

   4 Analytical remote claim Raiders - claims Guide

   With more and more car owners, five one self driving travel more and more people go out, will have an accident, therefore, insurance has become the focus of many owners concerned. Contrast in previous years, this year's auto insurance claims seem to feel very confused. On the one hand, cross strong insurance started from July 1st last year, and in July last year after 1 days of insurance policy due to the owners to buy insurance to pay strong. On the other hand, because of the risk of strong guarantee amount is not enough, the vast majority of owners have added to their commercial vehicle insurance. In addition, in July last year 1 recently bought insurance of motor vehicle third party liability old (referred to as the old three risk) owners also have many, these owners because the hand holds the old insurance has not expired, do not need to buy insurance to pay strong.

In cross strong insurance, commercial insurance, the insurance insurance under the environment of coexistence, once the car remote accident, how to claim?

Situation 1: old insurance car insurance to pay strong car field

Case: Guangzhou A car driving to Jiangxi, collided with the local B car. Guangzhou A car purchase is the third risks, while Jiangxi B car purchase is compulsory insurance. This situation how to pay?

The insurance company: in accordance with the provisions of the "cross strong insurance compensation without liability" principle, if there were no casualties, even if the car without liability to the highest paid 400 yuan property damage; however, the old three risk pursue is "the responsibility of payment" principle, if the car has no responsibility, need not pay a penny.

The insurance company says, this kind of situation, if A car without responsibility, in accordance with the "old three risk responsibility of payment" principle, A car does not require payment of compensation without liability; where B car insurance company wouldn't ask A to take 400 yuan limit.

If the full responsibility for the A, if A had injuries in the accident, B car according to the cross strong insurance "principle of compensation without liability", according to A vehicle damage degree, up to A car for 400 yuan; thereafter, A car due to take full responsibility, in the old three insurance liability limits (minimum 50000 yuan) on B car for compensation. If A, B vehicles have the responsibility for compensation according to the traffic police, determine the proportion of the responsibility.

Comment: as the old insurance follows the previous "the responsibility of payment" principle, once the collision, and cross strong insurance car apparently, old car to account for some cheap insurance. In addition, in actual operation, if the two vehicles have a responsibility, police also exist differences in responsibility. Some of the traffic police to deduct the Cali system part, and then found the responsibility; some police according to the loss of "package" that the responsibilities of the parties. Two kinds of treatment methods in general, to the owners of personal influence is not big.

Condition 2: the valuation should be careful

Case: Mr Zhang's car accident in Changsha, collided with a truck. Mr. Zhang vehicle front bumper and front fender was dashed to deformation, headlights broken. To the traffic police and insurance companies report, determine the traffic police trucks full responsibility. Van insurance company where Mr. Zhang vehicles on site survey, given a loss of price. See the loss insurance company content and field loss and no access, Mr. Zhang signed a home. However, when the repair factory repair, Mr. Zhang found that the car had internal injuries.

The insurance company: the vehicle in different loss, if the damage evaluation and post inspection results, the situation is true, if the car accident are insured with an insurance company, insurance companies generally will not deny. But if the accident is that both sides of the negative part of the responsibility, the responsibility for the loss of half as an example, the new dismantling it, when half the responsibility of car insurance company where things might be lost, but the other half is to find the other vehicles in the insurance company. This process may exist many disputes.

Comment on: the city at the time of the accident, for some small scrape, many insurance companies by the loss, accelerate the speed claims. However, once the remote misfortune, for the field loss valuation should be more carefully. If the car is in uncertain, or asked to repair plant dismantling loss to properly, so as to avoid future disputes.

Condition 3: remote whether emergency repair?

Case: Mr Zhou traffic accidents in the field. To the traffic police and insurance companies report, insurance company recommended Mr. Zhou to the city a damage, repair, repair or back to Zhengzhou. But Mr. Zhou is urgent, must immediately start. Mr. Zhou to roadside repair shop "emergency".

The insurance company: general insurance company only to look for the more than two qualified repair station maintenance or repair, if repair station owners to not up to standard, the insurance company will be the price according to the market price. If the car remote Chuxian, have no alternative against one's will go to the roadside store emergency repair, suggested that the owner to bring a digital camera, will damage pictures retained as evidence. In addition, in the car, the car factory on time, price and other kinds of parts quotation inform insurance company, consultation with each other. Because insurance companies are very familiar with the vehicle repair market, an important reference to their proposal is also the owner of price. In addition, the various charges voucher car owners involved shall be properly kept, for claims.

Comments: the special circumstances, the insurance company will discretion. However, an important precondition is to timely, full communication with the insurance company. Owners do not need to worry about the insurance company does not acknowledge a debt. It is understood, telephone service insurance company launched nationwide are usually recorded.

Condition 4: remote claim can not come back to repair?

Case: Mr Chen's car accident, in the field of insurance, insurance company recommended a local garage to Mr. chen. Because of Mr. Chen's car in Zhengzhou has been in the insurance company designated 4S shop repair, while the local designated garage is not 4S store, taking into account the car with little damage, Mr. Chen asked to return repair.

The insurance company: if the vehicle is in danger, the condition is serious, affect the safety, the owner must be local repair. If the owner is required to 4S shop to repair, but the insurance company is not recommended repair shop in the words of 4S, the insurance company the general approach is to: give a loss beyond price, in part by the owners to bear.

If the vehicle is in danger, not serious, do not affect the security, the owners hope back to repair, can be specified in the insurance policy, back to Zhengzhou for repairs, the insurance company will pay.

Comments: while at the time of the accident, the owner if determined home repairs, loss on loss content must write more carefully. Because, after coming back, insurance companies only pay for the loss on loss, damage items added, the insurance company will not be responsible for.

Situation 5: beware of "Friendliness is conducive to business success"

Case: Miss Yang drive to play in the field, a car rear end collision. The owner's attitude is very kind, admitted responsibility in their own. Miss yang to Friendliness is conducive to business success., he and the other 800 yuan to the private. However, loss, Miss Yang was found, 800 yuan does not have the car repaired.

The insurance company: the owner of private time, no insurance company claims that, even if the local traffic police department can give a certificate of the accident, the insurance company can not fully understand the accident, can not calculate the claim amount. In addition, the insurance company is the private not to recognize, the important point is, once the danger and responsibility is in the other side, the insured person must first claim to the third party, will it be possible to get the compensation of insurance company. Once dropped to the third party the right of recovery, will give up the right to demand compensation from the insurance company.

Comments: many people think that small cut small rub private words, can let the next year's insurance record is perfect, able to secure premium discount. However, we think carefully, the premium discount amount and claim to spend not much difference. In addition, behind the little rub surface seems to have "wound" is also worth studying.

Status of 6:48 hours

Case: Mr Cheung last year National Day period since the drive to Xuzhou area. In October 2nd, the car lost. Mr Cheung did not report to any department, only to find their own, not found. In October 6th after returning home, Mr. Zhang claim to the insurance company refused. Insurance companies on the grounds that: Mr. Zhang did not report within the prescribed time to the insurance company, has not reported to the local public security organs.

Insurance: insurance related provisions of clauses, the insured shall place the traffic police department to report on the accident of vehicle insurance after insurance accident happens, it must be reported within 48 hours, otherwise it may directly be rejected! The insurance company service hotline said, about 48 hours later, the owners if the documents are complete, the company will concrete analysis of specific situations, but may increase the record link or play some discount in claim amount.

Comments: the owner after be or get out of danger "48 hours to the insurance company to report" to a certain extent, but also to prevent the moral risk. Although it is a duty, but also to ensure that the owners out of a rule for claims.

 

   The 5 cross strong insurance commercial insurance different purchase insurance - Insurance skills six taboo

 The rapid growth of car ownership rate reflects the people's daily life level unceasing enhancement, the attendant is the vehicle insurance rapidly into people's daily life, the vehicle insurance lack of understanding or the insured does not pay attention to will give the owner of many beat all the trouble and even economic losses, six aspects need to pay attention to the purchase of insurance when do the brief introduction.

A, cross strong insurance, commercial insurance in different insurance companies in insurance period or different

"Motor vehicle traffic accident liability compulsory insurance regulations" formally implemented, cross strong insurance has become one of the necessary conditions for the vehicle management department new listing, car, second-hand car trading limited with the vehicle, and the commercial vehicle insurance does not belong to the legal purchase products, vehicle management department is on the non mandatory provisions. This has caused some of the owners to the vehicle management department to handle the related affairs, think little of the in the most efficient way to buy compulsory insurance, and the commercial insurance things behind, to buy commercial insurance, just think of to choose their own insurance companies authorized, can cause the commercial insurance and compulsory insurance neither the insured in an insurance company, the insurance period and the period is not the same situation. Once the car be or get out of danger, the owner should notify the authorities, and notify the cross strong insurance underwriting companies, but also notice the commercial insurance underwriting companies, the relevant formalities indemnities are need a, added a lot of trouble. If not be or get out of danger, the vehicle next year renewal, also need to apply for the two time. If you want to adjust the two policy periods, one is due early surrender the policy, because some surrender will cause the insurance rate rise, troublesome and can increase some premium expenses; two is to expire without renewal after the expiry, etc. another expiry after renewal, which will undoubtedly cause and risk insurance during the vehicle can not be guaranteed, but if it is to deliver strong insurance and insurance, also may be affected by the traffic control department of the fine, so it is not desirable. Therefore, as the owner, in car buying insurance for the first time, to pay attention to the content, to avoid unnecessary trouble.

Two, the repeated insurance

The most likely cause of repeated insured is the owner to save, commissioned by the other person or entity for insurance agents themselves, and to be the principal and the lack of enough understanding, this will give the current market presence of non qualified insurance agents and other illegal units and individuals the opportunity, to earn fee, as the owner is repeated in many insurance companies, but for the owners, the repeated insurance does not bring the repetitive compensation, because the "insurance law" provisions, the insurance amount of double insurance exceeds the insured value, the total amount of compensation made by all insurers shall not exceed the insured value; the insured to throw a few insurance will not be super value reparations. Therefore, every car not only temporary, save trouble, must understand to buy their own insurance products, the spending itself has value.

Three, not full insurance

In order to save premium not full insurance generally refers to the insured car caustic danger, only the insured value of the vehicle, not full insurance, thus causing the vehicle after be or get out of danger, the most get the insured value amount and vehicle full value proportion of compensation. For example, a value of 100000 vehicles, the amount of insurance coverage car caustic danger is 50000, so after be or get out of danger, the owners receive compensation for the actual losses up to 50%, the owners Too Late To Regret.

Four, excess insurance

Compared with the non full insurance, excess insurance generally refers to the insured car damage insurance, vehicle insurance amount more than the actual value of the vehicle, according to the "insurance law", the excess insurance is invalid, excess insurance doesn't get the excess of loss. For example, Che Sunxian insured amount of a value of 100000 for 150000 vehicles, the car after all losses, most can only get 100000 of the compensation, not 150000.

Five, the insurance period overlapping

The insurance period overlapping generally refers to the vehicle insurance has not expired, and advance for vehicle renewal caused two copies of the same content insurance period overlap phenomenon, namely, the same car at the same time there are two copies of insurance policies in force and effect, generally do not understand their own vehicle owners in the single case, blind to the insured cause, also can say is a way to double insurance, of course, the consequences and the repeated insurance is not, just cause and the different, but careless owners more easy to meet friends.

Six, policy information and the vehicle does not match

More practical information does not match the policy information and the vehicle, such as license plate number, frame number details information inconsistent, error of such information may just give the owner add some trouble, spend more time, but, if the error information, will bring huge economic losses to the owner. For example, commercial vehicle if the policy displayed as non business, the insurance premium is less pay a lot, but when the vehicle after be or get out of danger, the insurance company will refuse compensation.

Reminder: the policy insurance as formatted contracts do not allow the characteristics of specific format negotiation change makes many owners do not know much about the insurance policy, in fact many of which not only can choose by the insured, but also related to the vital interests of the car. So, the owners concerned about their car at the same time, it may be slightly spend some time getting to know some car insurance policy.

 

   6 about auto insurance money saving tips
   "I bought the car for a year, and to renew it, I should pay attention to what?" "We keep cheap points this year, too much insurance last year"...... Often hear the car about auto insurance problems seem to many questions, how to buy insurance affordable? In the face of the complicated insurance project, how to renew is more appropriate, more cost-effective? With these questions, this reporter interviewed the Bank of China Insurance Company Limited manager Cai, want to help their owners.
Manager Wang said, a lot of money saving tips for auto insurance, besides essential cross strong insurance, commercial insurance, according to the owner's needs, voluntary purchase. Vehicle mainly understand the various insurance claims scope and amount, chosen according to the specific circumstances of his car insurance and actual needs. But the insured and not the more the better, the insurance payment is not according to the owner's insurance, but according to the actual situation of car insurance may be, for unnecessary or is not cost-effective insurance can not buy. Some owners in to their car insurance, taking into account the car will not appear spontaneous, gave up buying risk of spontaneous combustion.
It is understood, many owners because they do not know what should be on the car insurance, but also troublesome, often have insurance. Commissioned to the 4S store to handle when buying a car, and the 4S store also has a free handle insurance business. But the first years down, many owners will feel it is be utterly ignorant of, is 4S shop "Meng", and so much, in fact, many are not necessary, then began to find their own insurance company or an insurance. In fact, whether it is the first insurance or renewal is a lot of "road", the first renewal time, do not miss, secondly to drive their own according to the selected for renewal scheme.
"Renewal" can not drag
Mr. Sun bought a new car in July 3, 2006, and bought with a year of insurance. This year the insurance after the expiration date, Mr. Sun forget insured, plus luck feel dragged several day, will not be allowed. Unexpectedly, in July 7th, Mr. Sun had an accident, because no timely renewal, losses can only carry their own.
Manager Wang remind, the main attention to the annual car insurance due date, otherwise the vehicle in the vehicle insurance insurance expired, there is no guarantee. In addition, the owners get the policy, must be more careful about the insurance of the effective date of expiration time, renewal, or claims to bury next hidden trouble. Owners do not because of busy, or luck is not the renewal. If this period of accident vehicle, all the losses will be borne by the victim to.
How much is the margin of preference claims
Miss sun drive belongs to the "rookie", the new fit touch "gray", no matter how big, small accident will be looking for insurance claims. Only a year of time out of the record reached 8 times, miss sun felt buy insurance no money. After a year of insurance period is up, miss sun still decided to choose the original insurance renewal, but found their premium has risen by about 20%, this let Miss sun was very puzzled, how the same company, one year premium difference so big?
In fact, Miss Sun is the insurance company as "high risk customers" in the column. According to the provisions of the CIRC, last year was no danger owners, in the renewal can enjoy a certain degree of premium discounts, but on the number or amount of compensation claims high owners, the premium will also according to different extent. Under normal circumstances, the vehicle is not out of one year, second years of renewal can enjoy a 10% premium discounts, if no accident records for several years, the highest preferential reached 30% so. To remind the owner, or record information of the vehicle is the insurance industry association in the information release platform, shared by the insurance company, that is to say each insurance company will know Miss Sun is "high risk customers". However, competition in the insurance company in the fierce, business relations, does not exclude some clerks and company although know accident you frequently, but does not increase your premium situation.
Select the appropriate renewal scheme
Solution: if your car has "entered the age of retirement", near retirement, in the old body to throw Che Sunxian and other additional risks becomes redundant, is not cost-effective, but does not represent the insured is not, or should renew the third party liability insurance and compulsory insurance, so as to avoid accidents.
Analysis: This is the most simple renewal, retiring for car owners, the security is the most limited.
Scheme two: if you think you're driving technology is very good, usually also pay attention to maintenance and safety of the vehicle, to keep traffic accident insurance during the period of the owner, but the value of a vehicle is not high, the economy is not well-off, you can choose the most simple insurance renewal. Concrete is Che Sunxian plus third party liability insurance, non deductible insurance and compulsory insurance, not to renew some additional insurance.
Analysis: in this case down to renewal, the insurance company can give a great discount, of course, spend less, the security is very limited.
Scheme three: if your driving is not very good, a little accident happened frequently in the driving process, and according to the specific condition, the car is different, and the security situation of parking or residential, can be targeted to increase or decrease the additional insurance renewal. The concrete is in addition to insure the basic insurance and compulsory insurance, according to the specific situation is different, choose the insurance some additional categories, including vehicle pilfer, body scratch insurance, risk of spontaneous combustion, breakage of glass and new equipment loss insurance.
Analysis: This is suitable for novice as well as economic conditions good owners, in the choice of additional insurance, to "goods than three home", many insurance companies more advice, a comprehensive comparison of the insurance companies and insurance.


   7. auto insurance six note - the skills
   Shandong Insurance Regulatory Bureau in Shandong area (excluding Qingdao) in the full implementation of the system of auto insurance, the insured Note 6 aspects need to insure car insurance, the insurance mechanism to limit the time must be before the significant position related matters in the form of announcement posted at each place of business, and put the publicity page for the insured claim.
According to the introduction, this includes 6:

   A proposal form should carefully fill in the applicant's contact, by my autograph, if by another person on behalf of investment policy, the insured must check whether true fill in the content, coverage and compliance with its own policy.
Two per motor vehicle only against a strong insurance to pay can not be insured, multiple copies of insurance to pay strong, but in order to get adequate protection, can freely choose insurance commercial insurance. The applicant should as far as possible cross strong insurance company in insurance and commercial insurance, in order to reduce settlement procedures, ensure the timeliness and accuracy of claims.
The three is for the insured by insurance company salesman, individual agent or agents, to verify the identity of the salesman, sales agent qualification, can see a work permit, the agent qualification certificate and exhibition card, or by calling the insurance service telephone confirmation salesman or the agent sales qualification, so as not to buy false guarantee slip or meet other non-standard operation problem, affect the future claims.
Four is the insured in the insurance after the application is submitted, must pay the insurance premiums in full and timely, and ask for the original insurance policy original to the insurance company or agent, as the evidence. Special attention should be paid to view the policy on the insurance company name, check whether the insurance company for the Local Company, such as insurance companies in other places, once the danger, in the survey, claims and other customer service service encounter trouble; in addition to pay special attention to the insurance liability, liability clause of exemption (except responsibility), special agreement, the insured obligations, claims processing a franchise or deductibles, etc..
The five is based on the relevant provisions of the state, the insurance company is to assume the travel tax withholding obligations, the insured in the insurance, the insurance company also to pay travel tax.
Six is the insured receives the policy, can contact the insurance company customer service phone or other feasible ways and company, check the company record premiums and whether the premium payment, especially through intermediaries should pay attention to check more for business.
The Insurance Regulatory Bureau reminded, to be or get out of danger after the customer, claims, the insurance company claims service phone check, check the actual payment to the repair shop and then claim loss Personnel approved prices, prevent human exaggerate the loss, or their vehicles were replaced without replacing components affect the normal use of the vehicle. The claims and their actual losses are not consistent, timely to reflect the local bureau of the CIRC or the Insurance Association

   

   Source: China Automobile Trading