The original address:To understand the safety car insurance clauses, allow yourself to get reasonable interestsAuthor:The long march

To understand the safety car insurance clauses, allow yourself to get reasonable interests

The car is very easy to have plenty of money, in the case, as long as the choice of his love of cars, but they will encounter a lot of confusion and doubt to the car to buy insurance, if choose peaceAutomobile insuranceInsurance, you need to understand the peaceAutomobile insuranceEach content clause.
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To the car to buy insurance, there are many owners concerned about, for example, the amount of insurance coverage, the insurance period andInsurance premium, the insured obligations, Ping An insurance provision is made for the.

Ping An insurance clause is a provision of insurance range, when the owners in the process of vehicle, due to external reasons (such as collision, fire, natural disasters caused by accident),Ping An insuranceResponsible for compensation, when the accident occurred, the owners in the rescue and protection of the vehicle at the time of reasonable fees, insurance is responsible for compensation, but the cost is limited, can not exceed the relevant standards issued out of the local government, and the maximum amount of compensation shall be limited to the insured amount. Due to the reason why the car itself or the owner of the vehicle loss, peaceThe insurance companyIs not to make compensation, such as a car car car spontaneous combustion, loss of cargo loaded on the impact caused by the owner, if not timely pay insurance premium, when the car when the accident happened, the insurance company will not compensate.

For the amount of insurance loss insurance, Ping An insurance clause provides three ways to determine, according to the new car to purchase price determination, determined according to the actual value of the insured, shall be determined by the insured and the insurance company, but the insured amount shall not exceed the same type of new car to purchase price, more than part of the void. The insurance company shall bear the corresponding liability for compensation according to the different way to determine the amount of insurance.

Purchase insurance in Ping An insurance company, the insurance period is usually for one year, if insurance period is less than a year by a short month rate or insurance premiums, the insurance period is less than one month by month calculation. The calculation formula of Ping An insurance clause insurance premiums are short-term, short-term insurance premium = annual premium * short month rate coefficient. The car when the accident happened, according to different circumstances, Ping An insurance company will compensate different.

Understand the safety car insurance clauses, the insured should know, to companies and insurance cooperation, allow yourself to get a reasonable profit, reduce unnecessary losses.

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To understand the safety car insurance how to choose their own insurance

Miss Dai recently bought a new car, but began to buy what car to beAutomobile insuranceBut the worry, because she had for himself and his family boughtPing An insuranceOtherInsuranceShe wants to know, so safety carHow is insuranceHis new car, hope for the reasonable insurance.
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The total for the car owners choose insurance always rack sth., because there are a multitude of names of insurance of insurance, there are all kinds ofThe insurance company. The owner looked atInsurance clauseAlso always confused, for the professional noun to always have a superficial knowledge of. The expert reminds the owner of the most important in the purchase of insurance is the choice of quality and reputation have enough security and good reputation of the insurance companies, such as Ping An insurance company, and through a variety of channels understand the peaceAutomobile insuranceWhat, finally decided to choose suitable for their car insurance.

Many owners have how peace auto insurance question, partly due to do not understand the safety car insurance. Ping An insurance basic insurance and additional insurance, the additional risk is not an independent insurance. The basic risks including cross strong insurance, third party liability insurance, the vehicle damage insurance,Passenger liability insuranceAnd the whole carPilfer. Compulsory insurance is the national law and regulations to buy and pay, have mandatory, the vehicle must purchase can be driven on the road, inspection and licensing.

The vehicle damage insurance for compensation due to natural disasters or accidents caused by the loss of the vehicle itself, it can be said that this is the most important categories in automobile insurance, the majority of owners will choose to cover the insurance. Because in the car, even skilled driving when they inevitably will be accidents, if not insured loss of vehicle insurance, then the vehicle collision repair costs will be by the owners to bear. And the third party liability insurance forVehicle insuranceDirect damage compensation liability accident in use caused third casualties or property.

In addition to the basic insurance, car owners in general will be according to their own situation to choose their own additional risk insurance. After a more in-depth understanding of how safe auto insurance, owners will need to note that not all categories to buy insurance, selection should be considered the car itself and the owner of the driving proficiency. General novice car for driving a little and take good care of the car, will be covering all risks, the hope can cover most danger situation, can have more security. While driving technology more skilled owners will choose according to the specific situation, think it necessary to buy insurance insurance.

The owner wants to know more about peace auto insurance how can login security website, also can realize the convenience of online. Before buying, know more how peace auto insurance is necessary, the only way to choose cost-effective auto insurance, so as to realize the maximization of claim rights after the accident.

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Multi objective analysis of Ping An insurance insurance

With the rapid development of economy, people's living standard continues to improve, the rate of private car ownership has also increased rapidly,Automobile insuranceTo become car owners will purchase goods. In theThe insurance companyInnumerableAutomobile insuranceThe market, choose the insurance company, insurance has become particularly difficult to. As for which an insurance company, Public opinions are divergent. Many owners have to talk about the topic without car insurance, they will interact with each other to buy insurance experience, often the owner who will choose a big company strength, good reputation in the choice of insurance companies. Among them, as one of the three largest insurance companyPing An insuranceCompany car insurance good word-of-mouth, recent peaceInsurance insurancePropaganda is very big, so a lot of new contact Ping An insurance vehicle owners will ask: how safe insurance auto insurance? How the price, service?
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Ping An insurance enterprise strength can not be underestimated

Chinese Pingan Insurance Company as the three major insurance companies and China life, Chinese Pacific a situation of tripartite confrontation, is the main board of the Hongkong Stock Exchange listing Corporation, it is core with insurance, diversified financial services financial securities, trust, banking is a comprehensive financial service group one of the close, efficient, multi. It released a car insurance, travel insurance, the family property insurance, personal insurance. Among them, the car insurance is a very important. Chinese Pingan Insurance Company as one of the Chinese three insurance companies, with economic strength is immeasurable, recently made a major breakthrough in the street network,Safety netAuto insurance quotes online, online marketing, insurance, auto insurance business leader. From this respect can answer questions about "how" Ping An insurance auto insurance.

Ping An insurance price discount service no discount

In response to widespread concern "Ping An insurance insurance what" this problem, it is necessary to analyze the price and service of Ping An insurance, evaluate objectively, to restore a true insurance auto insurance, solve the owners of "Ping An insurance insurance how".

According to the online opinion finishing, the advantages of auto insurance prices service peace: premium benefits, claims quickly, good service. Compared to buy insurance through another channel --4S shop, the insurance company's general price than 4S shop low, but the safe auto insurance online direct marketing and electronic marketing channel policy, convenient, fast. As for the price of services, security as one of the China three insurance companies, with good service, good reputation and credibility. Truly a price discount and service no discount.

Safe auto insurance online insurance, leading industry

With the development of network technology, peace followed the pace of the times, take the lead in the openingOnline auto insuranceDirect marketing services, landing safety website, only need to provide vehicle information simple can obtain accurateAuto Insurance Quotes. Sweep away the traditional channels offer cumbersome procedures. Online insurance, car insurance business can also benefit, keep indoors can easily get insurance, renewal, the policy will be sent home within 48 hours. In factSafe onlineThe quotation "hidden Hsuanchi", offer the basic type, including hot type, overall plan, but also show the difference and the market price, provide detailed reference data for the insured. As for the settling speed, vehicle related data complete, ten thousand yuan, complete information, can realize the day coverage.

With good corporate reputation for quality assurance, preferential real price advantage, convenient insurance services and the rapid and safe service claims, "how" Ping An insurance insurance question, the owners of natural know the score.

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Ping An insurance policy can be multi channel owners easily obtain Wuling auto insurance quote

In many consumers, small van are cheap and workmanship synonymous with rough. With the many brands have launched their own micro car, van market competition has become increasingly fierce. Wuling Automobile break the normal procedure has its own brand characteristics, the pursuit of high quality. In the vast rural areas and small towns, to stop the streets, will find that there is a lot of traffic are wuling. For this part of consumers, they choose the Wuling microvans, also took a fancy to the low price of the price and the spacious interior space. So, they on WulingAuto Insurance QuotesEspecially pay attention to.
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The rural and small city Wuling owners, car use is more as a passenger or cargo tool. Where the owner, understandingAutomobile insuranceKnowledge of the way is also very little, auto insurance knowledge almost zero. They generally are auto insurance through the insurance agency, and the agency of Wuling auto insurance quote "often mixed with water", do not know the car they can "take", paid the bill.

Rural road is not easy, some sections of the muddy, often cause accidents, if the owner did not give the car to buy insurance, is to give the economy is not well-off they one disaster after another. So, these areas of the Wuling vans, require a more affordable, there are security efforts Wuling auto insurance quote. Ping An insurance has been fully taken into account in these areas, the needs of owners, opened upTelephone coverAnd network auto insurance in two lines, the owner can choose the most convenient way to obtain Wuling auto insurance quote.

Now the network has spread to thousands of households, in many rural areas and small and medium-sized city, many families have access to the internet. This part of Wuling owner can by peaceOnline auto insurancePlatform, obtain the Wuling auto insurance quote; no computer owners home, you can callPing An insuranceHotline4008-000-0002, as long as thisThe insurance companyTable basic vehicle information, as long as a few minutes, Ping An insurance agent can put the Wuling auto insurance quotes told the owner. These two kinds of insurance, the owner can enjoy the "insurance company around their run round in circles" discount.

Owners insurance safe auto insurance benefit, they can put aside all driving any menace from the "rear", Wuling van running sweat, seeking a better life and career. While the rural and small city where relatively small, meet acquaintances, Ping An insurance of the numerous advantages of easily pass from mouth to mouth, to establish a good reputation, be accepted by more owners, expand the car insurance awareness and customer groups, the owners benefit more.

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Ping An insurance telephone visit member call "visiting" what?

Mr Cheung recently for peaceAutomobile insuranceShortly after, on receipt of the policy, receivedPing An insurance telephoneStaff visit calls, check the insurance information and personal information. Mr. Zhang did not know where the significance of return visit, basically answer with a simple "yes" or "no". In fact, many consumers are in aThe insurance companyCalls, the first reaction is often to say "I don't need to" or "I know, thank you" just hang up the phone. So allowing no explanation to hurry the end of the dialogue, it may make you suffer undue loss.
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Call "interview" what?

The insurance company phone pay a return visit, the starting point is to maintain the rights and interests of clients, to control the sales risk from the source, but also to avoid future disputes. Such as: for the first time to buy insurance customers,Ping An insurancePhone pay a return visit member will call customers, communicate with customers mainly includes determining have not received the insurance contract, insurance is my signature, have not seen the product terms and specifications, for the insurance content especially insurance liability, liability exemption is correct understanding. Also ask the customer satisfaction to the service, and confirm the contact address and telephone. For non renewal policy, Ping An insurance is mainly through telephone return visit to remind policyholders if not timely renewal, will face the risk of failure and how to guarantee recovery and other related matters.

Call content, are related to the vital interests of consumers, owners need to carefully check, avoid future disputes with insurance companies.

A common misunderstanding: the telephone is equivalent to calling

Many consumers of insurance company opened the telephone nurse a grievance, or directly with the telemarketing hook. But in fact, call a customer service work of insurance companies, if consumers directly to the insurance company's telephone and telephone sales equated, who received the insurance company phone will hang up, it may not only make the insured lose a understanding of the insuredInsurance productsOpportunity, also may lose a safeguard their insurance rights and interests the opportunity.

The insurance company to buy insurance products to customers return telephone supervision department of a provision of the insurance company, and a strict procedures and requirements. Such as Ping An insurance telephone staff visit first visit is not successful, but also hit second times phone. If the two phone calls are not successful, then sent to return home, to ensure that the visit a success rate of 100%. Ping An insurance telephone visit member call to solve the quality problems, the policy may have the shortest, ensure that the insured of insurance, to avoid future because did not understand insurance contract in insurance dispute.

So the return can check risk, preventive. Applicant should change their concepts, to the insurance company's call back carefully, safeguard their legitimate rights and interests.

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Out of all risks that can lose misunderstanding, Ping An insurance against all risks including what type of car

In order to accidental damage protection comprehensively to the car, while saving time and effort to choose insurance, many owners will choose to insure against all risks for auto insurance, and that as long as the purchase of auto insurance is equal to buy"Universal insurance". However, when the owners claim in some cases but was refused. In fact, the automobile insurance is a kind of concept, scope of no practical determination, ordinary people like to buy insurance against all risks is the understanding to buy all the vehicles, any failures and accidents, can findThe insurance companyClaim demage. In fact, buy car insurance, is not equal to the car into the safe box, cars and no real sense of the full insurance, buy insurance, we must clearly understand the insurance clause. NowPing An insuranceAutomobile insurance as an example, explore the car all risks including what categories, led the owners out against all risks can get full compensation for errors.
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At present, the insurance companies "all risks" policy contains basic insurance, the additional risk and non deductible insurance three parts. The basic insurance against all risks insurance safe car in addition to cross strong insurance include commercial third party liability insurance,The vehicle damage insurance, the whole carPilfer,Passenger liability insuranceFour independent insurance, can effectively prevent the loss. The basic insurance against all risks insurance safe car alone or together with the additional risk of a total of 15, can be used to assist the basic insurance premium is less a more comprehensive insurance, if the insured in the insuranceBreakage of glassAlso may voluntarily according to domestic or imported glass to choose insurance. Ping An insurance auto insurance non deductible clause is divided into basic insuranceIrrespective of percentageThe special conditions and additional FPA irrespective of percentage clause. The non deductible insurance, the insurance liability accident is determined by dividing the deductible amount shall be borne by the insured, the insurance company responsible for compensation. But the non deductible clause does not apply to all types of non. If the insurance clause clearly has the liability exemption and the absolute deductible clause part, still assume by insurant.

Therefore, that the insured automobile insurance, the insurance company should cover all idea, is the "all risks" one-sided misunderstanding. The so-called "all risks" is not an insurance, insurance insurance insurance combination is common and without additional risk basic insurance, deductible insurance "". Even if the insured against all risks, the insurance claims when there are certain provisions of exemption. Therefore, the owners in the insured prior to the study of insurance clauses especially exemption clauses, all risks which recognize car insurance, the correct selection of Ping An insurance car insurance, to avoid unnecessary losses.

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The owner of the motor vehicle insurance: in doubt, you can't have it both ways?

Beginning of the end of the year, purchase a car,Automobile insuranceThe insured and the renewal is also more and more people, a minority of owners in the field purchase a car after different insurance for motor vehicle.Safety netPin insurance staff said, consumers should be cautious with vehicle remote insurance, otherwise it may face different cast back to the local self pay travel tax, trouble, and the complicated process of claims.
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In recent years, in Shanghai and other cities, the growth of private cars speed swift and violent. After buying a car, car owners naturally without giving their car insurance, risk aversion to safe driving. So some smart car active functions of brain, can directly to the field for motor vehicle remote insurance? In the big city, the basic rate relatively high level premium. The insurance premium rate compared to the adjacent base city is generally low, saving effect is obvious, which had been attracted to big city owners. In addition to their own to save premium expenditure, motor vehicle insurance and places a hidden benefits. According to the Cross strong insurance feeFloating rate measures, traffic peccancy vehicles last year, will affect the cross strong insurance premium level. While the car caustic danger will decide whether to increase or decrease the premium according to past claims records.

But on the other hand, the motor vehicle insurance also exist a lot of problems in different places.

One is the service does not follow to go up, the car insurance underwriting of some services, risk management must be a lot of difference.

Although two is nowThe insurance companyHave to compensate commitment to remote Chuxian, but wait until the insured the real payments, is a very tedious, especially a little accident time must not handle, run a lot of trips, it is cumbersome, because every underwriting insurance companies are independent accounting units, claims are the branches pay.

Three the price is not low, because each provinces no claim query system is run separately, to different insurance basically can not enjoy the no claim discount, the highest possible effects of about 30%.

The four is to pay travel tax problems.

Ping An insurance net sales staff said, the China Insurance Regulatory Commission is banned for motor vehicle while the insurance practice, every car don't because of the immediate interests, give up the realInsurance services. Safety nets pin auto insurance business already formally the on-line, the owners will remain within doors, available onlineAuto Insurance QuotesThe insured and premium payment, such as commercial insurance, the actual payment is lower.

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Note motor insurance contracts three content owners claim will maximize personal interests

With the increasing of private cars, road traffic accident rate is higher and higher, the owners in the automobileAccident insuranceClaims, disputes are rising. Investigate its reason, one very important point is that the owners ofMotor vehicle insuranceContract the understanding deviation, many owners of insurance contract or indifferent, or to have a superficial knowledge of.
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In this regard, the owners in the choice ofThe insurance companyAndAutomobile insuranceProducts, it should take the initiative to pay attentionMotor vehicle insurance contractEvery clause, clear responsibility and content, such party may take the initiative in their own hands.

First.They must read terms of insurance responsibility in motor insurance contracts, it is the core rights purchase insurance at. The agreed risk range shall be borne by the insurance company in insurance contract, the compensation responsibility when the insurance accident happens, compensation for damage, liability, insurance payments, cost of salvage, salvage charges, the cost of litigation. Different insurance companies have different provisions, the owner must read the insurance contract carefully, this is to avoid claims disputes, the key factors of convenient claims.

Secondly.Owners must understand the motor vehicle insurance contract in the liability exemptions or exceptions clause. Because the insurance company will occur because of the circumstances of the vehicle traffic accident situation, take not the claims procedure. For example, some time ago to southern storm so many owners long immersion in the car under the condition of forced to launch, and damage the engine and other parts, according to theMotor vehicle damage insuranceA claim to the insurance company, the insurance company refused by. Because"The vehicle damage insurance"Insurance provisions specified exempt some responsibility, includingVehicle insuranceBecause of flooded or by wading traffic resulting in engine damage, which belongs to the liability exemption.

In addition,Some trivial details also need attention of owners, such as vehicle mainly seriously check, fill in the motor vehicle insurance contract need to fill in the content accurately. For example, specific information owners of personal information to fill out and insurance varieties, don't forget is his autograph.

At the same time for motor vehicle insurance contract in vocabulary, the owner must understand understand. The example mentioned above, "insurance", is popular to say that the insurance company "compensation for the losses and expenses"; "exclusion" or "exemption", popular understanding of the losses and costs less compensation is the insurance company "".

In general, the owners in the motor vehicle insurance contract signed, as noted above, the main contents, claims disputes can be reduced to the minimum, the maximum personal interest.

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Ping An insurance company clerk strongly recommend the auto insurance three words

The owner in theAutomobile insuranceThe process, focus on problems usually have three: how to choose the insurance company? Preferential policies and commitment to service the insurance company Is it right? Can cash? Flowchart and claims process is complicated? To solve these problems,Ping An insuranceCompany clerk summarized a set of auto insurance three words: resolution, ask, check.
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Auto insurance "resolution" tactic

First, distinguish company. The owners do not understand the insurance industry big environment, peaceThe insurance companyThe salesman is the owner does not recommend blindly choose insurance company. Only when the owners know some service insurance industry and industry, owners of the resolution ability of insurance company, owners can make their satisfaction with the policy choice.

Second, identified benefits. Many owners in the choice ofInsurance insuranceWhen the decisive factor, affordable level decision often depends on the insurance can get. According to this mentality of owners, Ping An insurance company salesman to remind the owners: not insurance cost is low, the more affordable, because the cost of auto insurance with insurance combination is directly related to, only with a reasonable insurance on the basis of the benefits is the real benefits.

Third, resolution service. In addition to the strength of the enterprise and the benefits policy, service is the key point with owners insurance interests. For car owners, how the insurance company customer service attitude, how much data can provide advice, give full or not, the efficiency of various operation process of the high speed is not fast, claims... These are the owners can get the key point of security.

Auto insurance "Q" tactic

First, ask the clerk. After the owners have a certain understanding of the insurance industry, if you intend to insure safe auto insurance through various channels, may wish to ask a few more Ping An insurance company clerk. Have a look how the sales service attitude, the content that is accurate, consistent, and then make a trade-off.

Second, ask a friend. If the owners intend to insure safe auto insurance, in addition to asking the Pingan Insurance company salesman, also can ask for Ping An insurance relatives and friends. As long as these friends and relatives insured or contact with Ping An insurance, should give the owner some practical suggestions.

Auto insurance "check" tactic

First, check the details. Through the network, telephone and other means, through has expressly illustrate the data to verify the insurance company propaganda is true, then the insured.

Second, check list. Ping An insurance company clerk strongly recommended, complete the flowchart in the owner, must be verified against the data list, commitment and insurance companies on the list before the detailed control, so as to safeguard the owner's own insured interest completely.

To understand the risk of Nick, insurance claims more convenient

Miss Chen just acquired a fit, because no small parking lot, she was very worried about the car was scratching scratching. Colleague Mr. Wang advised her againstRisk of NickEven if the malicious, scratches can be madeThe insurance companyThe claims, avoid big economic loss. Miss Chen think that this kind of insurance is very suitable for their own, but what is the risk of Nick? How to take? How to claim? How much is premium The problems follow close on succession. Therefore, she asked the insurance professionals.

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What is the risk of Nick?

Risk of nick name body scratch damage insurance, family private vehicle, non operating vehicles can be insured, refers to the period of insurance,Vehicle insuranceThe body surface collision occurred no obvious traces of paint alone to scratch, the insurance company responsible for compensation according to the actual loss. Scratch insuranceThe vehicle damage insuranceThe additional risk, namely the need under the insurance against loss of vehicle condition can be insured, which can not be arranged separately.

How to compensate for the risk of Nick?

If the insured vehicle was scraped, must be timely to the insurance company to the scene to report, normal settlement procedures. Report to the insurance company, special attention should be paid to report time, usually within 48 hours; if the timeout, should be insured with the original identity card, go to the insurance company compensation. The insurance company will be damaged, and then to the 4S shop. At the same time, if the vehicle is scratched on the road, the traffic police to open by accident certificate, if the vehicle is scratched in the non Road, required by the police station open certificate of the accident. Also to note is that, if the insured vehicle is not too expensive, scratches loss advice not to report, because the first year annual premium to compensate the unreasonable preferential 10% .

Under what circumstances insurance companies do not lose the scratch?

The following four conditions of scratches, the insurance company will not be claims to scratch:

(1) is caused by the intentional act insurers and members of their families, the driver and the family members of the loss;

(2) and others because of the insured person or the driver and members of their families and civil, economic disputes caused the loss of vehicle insurance;

(3) the natural aging of the body surface, damage;

(4) the other does not belong to the scope of insurance liability losses and expenses.

How to determine the amount of insurance?

The amount of insurance risk of Nick is divided into 2000 yuan, 5000 yuan, 10000 yuan or 20000 yuan, by the insurer and the insured when the insurance consultation.

How much money the scratch insurance premium?

Calculation formula of each insurance company due to different fee, experts recommend that consumers should buy insurance companies with consulting scratches risks before. NowPing An insuranceCompany introductionOnline auto insuranceDirect marketing services, only landing safety website, provide a simple vehicle information can obtain accurateAuto Insurance Quotes,Online insurance Insurance can also enjoyCommercial insuranceMore concessions, can also pay for the completion of the insured on the net directly, very convenient.