[reproduced] insurance clause A.B.C difference between

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  • / Author: Aaron Lewis
Today read of the insurance terms you, A/B/C terms of CIRC, where you can see, especially the specific details, thank you!

What is the difference between the insurance clause of A.B.C?

 

   The current insurance clause and insurance companies are unified, is set by the Chinese Insurance Industry Association, the China Insurance Regulatory Commission approved the Chinese
The. Unified insurance clause is divided into A, B, C three, the insurance company according to their own needs. Because these three kinds of insurance
Contents have differences, the majority of owners do not just look at the price, should study carefully the relevant provisions, so as not to buy insurance to
Insurance. Our preliminary research results, the degree of protection of the insurer, A best, B the second, C the worst. B and
C will be no compensation as a special clause of insurance shall not bear responsibility for the accident, C will not be liable for legal fees, V.
Costs, appraisal fees as a special clause.

   Auto insurance including automobile physical damage insurance, three party insurance, pilfer rush to deal with an emergency and so on, the insurance company can only in the choice of insurance clause at all to choose A or
B or C, that is to say, car damage insurance company insurance chose A, then other insurance clauses must also choose A
.

Have a look first to A, B, C car caustic danger have what different?

One, the scope of compensation is different

1, in the natural disaster, B than A more storms and tornadoes, C than B increased the typhoon, tropical storm, snow,
Ice fall, sandstorm. In the natural disaster, the compensation scope A the narrow scope of compensation, the most wide C.

2, individual glass damage, A for any glass damage alone are not compensation, B and C for the skylight glass separate
Damage. In separate glass damage, compensation scope A the most narrow, not lose all.

Two, no compensation range

1, B and C are specified when the insured motor vehicle shall not bear responsibility for the accident, no compensation for the loss of motor vehicle, the A will not
This provision. A is more favorable to the insurer, especially when the liability accident for non motor vehicles or pedestrians, or responsibility
Although is the vehicle, but the responsible party seemed not to pay.

2, B expressly do not pay parking fees, custodial fees, buckle fare and a variety of fine;

  C expressly provided no compensation for the attorney fees, litigation fees, arbitration fees, fines, penalties or punitive damages, and without
The prior written consent of the insurance personnel inspection fees, appraisal fees, assessment fees.

  A none of the above provisions. Therefore, A in this aspect of the insured is most favorable, C the most unfavorable.

3, B does not damage compensation single mirror or light, A and C without this provision. B the worst

Three, the exemption scope of different

The liability of family members caused the loss of personal property exemption, three slightly different terms

A: relieved of liability of the insured and the family members of the loss of personal property.

B: on the insured and members of their families, which allows the driver and members of their families and personal property damage compensation from
Responsibility.

C: exemption from liability of the insured and allows the driver property loss.

A market share of over 74.7%The people's Insurance,,, the Cheonan, Yongan Huatai, earth, sun, and other 11 public security
Company adopted A auto insurance, the company accounted for about 74.7% market share China insurance,

Ping An, Huaan, Taiping, Yongcheng, sunshine agriculture, Du Bang, Bohai, Guangzhou, CAS, Allianz 13 companies selected
B, the company accounted for about 13.7% market share China insurance;

Health insurance Taibao, Silver 5 companies selected by the C, the company accounted for about 11.6% market share China insurance.

Balance, Japanese insurance and other three companies did not choose to use A, B, C.