Motor vehicle insurance knowledge quiz

1,The compulsory third party liability insurance and liability insurance has the distinction

One is the principle of compensation is different. According to "road traffic safety law", for motor vehicle traffic accidents caused casualties, property loss, the insurance company in insurance liability limits the scope of compensation. And three commercial liability insurance, insurance company is to determine the liability of compensation according to the applicant or the insured due to traffic accident responsibility. Two security limits of different. In addition to the individual items of "Regulations" provisions, the compensation scope of compulsory insurance covers almost all road traffic liability risk. And three commercial liability insurance, insurance companies with different degree of regulations are deductible, franchise or exclusions. The three is a mandatory. According to the "Regulations" provisions, the owner or manager should be insured motor vehicle compulsory insurance, at the same time, the insurance company can not deny coverage, and shall not delay the underwriting and may terminate the contract at. According to the "Regulations" provisions of four, cross strong insurance to implement a unified national insurance clauses and premium rate, CIRC according to cross strong insurance business in general"No profit, no loss"The principle approval rate. Five are making the subentry liability limit.

 2,Why buy the insurance for the vehicle? 
 

   Accident prone to various motor vehicles running in the process of vehicle damage, property damage or casualties, resulting in. Although safety driving warning can be seen everywhere, but still can not completely avoid the occurrence of the accident, caused personal injury and property loss to the perpetrators and victims. For the injured party security accident benefits (especially in order to guarantee the third victims can receive timely care), relevant management departments of the third party liability insurance for motor vehicle compulsory insurance. Not insured in the insurance, the vehicle will not be able to license and annual examination. For vehicle owners and users, if you insure your love car to car insurance, in after be or get out of danger can be obtained within the scope of insurance liability compensation, avoid accidents or other events caused economic losses.
 3, What people can buy insurance for car? 
 The vehicle owner, contractor, custodian, users can buy insurance for car.
 
 
4,What is called the insured, the insurer, third? 
 
The insured by insurance contract generally refers to the guarantee of car owners, that is the registered owner of the driving license.
 
Insurance is the insurance company, in car insurance, is the right business car insurance company.
 
In the contract of insurance, the insurer is the first party, also called the first person; the insured or the offender is the second; in addition to the insurer and the insured when the insurance vehicle accidents suffered personal injury or property loss of the victim is third, namely third.
 
 
5, Whether the insured and the insured person must be consistent? If not what effect is there? 

  The insured refers to conclude a contract with the insurance company, insurance rights and obligations of units or individuals, for insurance and pay the insurance premium. But the insured by insurance contract generally refers to the security car owner, is also the driving license the registered owner.
 
In actual operation, the insured and the insured inconsistent often happen, and the insurance company allowed. The insured and the insured not consistent will have two effects: on the one hand, the insured is not responsible to pay insurance premium obligation, the obligation is assumed by the insured, who who insured pay insurance premium; on the other hand, the vehicle where there is a partial loss, the insured to insurance company claim for compensation. Vehicle has all the damage (such as vehicle theft and robbery, in the collision of vehicles useless etc), must by the insured to the insurance claim, and policy holder does not have this right. In policy holder and insurant consistent case, did not distinguish between the above two aspects.
 
 
6, What is the new car to purchase price, the amount of insurance? 
 
The new car purchase price refers to the insurance contract signed purchase and vehicle insurance (including the same type of new vehicle purchase surcharge) price, it is the basis to determine the amount of insurance the insured.
 
　The insured amount refers to the actual insured state insured insured amount, the maximum limit is the insurance company to assume the obligation of reparation.
 
 
7, How to distinguish between the operation of the vehicle and non vehicle? 
 
　Operating vehicle which are engaged in social transportation and freight vehicles, to complete the commercial transfer or transport for the purpose of the vehicle also is operating vehicle.
 
Non operating vehicles refers to the party and government organs at all levels, social groups, enterprises and institutions for their own use or for vehicle vehicle only personal or family life.
 
 
8, Whether the vehicle can be insured?The repeated insurance could have been repeated compensation?
 
Double insurance refers to the same categories for the same car, respectively to two or more insurance companies. But the double insurance can only get a compensation. "Insurance law" stipulates: in double insurance, the sum of the amount of compensation of the insurance company shall not exceed new car to purchase price. So, never the same car insurance multiple copies of the same car insurance, because there is a premium is not any compensation. 
 
 
9, The applicant how to fill in the motor vehicle insurance? 
 
For motor vehicle insurance policyholders, should fill in the application form. Insurance is the insured to the insurer to apply for insurance on the basis of language, but also an important basis for the insurance policy issued by insurers, is also an integral part of the insurance contract. Therefore, the insured the contents list to fill in clearly, if altered, sealed correction.
 
Applicant is to fill in the columns of the following contents: 
 
　　1), name of Applicant: name of the insured unit or the insured person. Fill in the full name of the public vehicles unit,Private or individual contractor transport vehicles to fill in personal name. 
 
 
　　2), label: label type and of the vehicle model. For example, BeijingBJ212. 
 
 
　　3License number:), issued by the traffic control department of the public security licence number. For example, BeijingA12345. 
 

　　4), engine number: engine production plant print on the engine cylinder body of the factory number.
 
 
　　5), frame number: vehicles factory car number.
 
 
　　6), tonnage or seat: according to the traffic control department of the Public Security approved cargo tonnage,Passenger seats (including the driver's seat).
 
 
Be careful.2 6A motor vehicle driving license) in accordance with the relevant content to fill in.
 
 
　　7), use character: according to the transportation business or non business transportation division determination.The insured vehicle has two kinds, fill out the business transport properties. For example, a vehicle with"Non business transportation"And"Transportation business"Two kinds of properties, it shall fill out"Transportation business". 
 
 
　　8), address, telephone, contact, bank,Bank account: the applicant according to their specific circumstances to fill in, fill in the address, it should also be noted that the postal code. 
 
 
　　9), agreed: the insured and the insurer of insurance contract matters not to reach an agreement, for example, the maximum amount of compensation to the third party liability insurance the first casualties in this note. 
 
 
　　10), the Applicant Signature: the insured on the fill in the contents, be in"Applicant Signature"At the signature, and fill in the date of the insured.
 
 
　　11), sure about the insurance amount insurance choice. Please according to actual circumstances and insurance companies own business personnel specific.
 
 
10,The insured vehicle insurance should pay attention to what the problem? 
 
1The vehicle must be running). The insurance certificate and license of legitimate, and qualified through the examination, otherwise the insurance policy is invalid. 
 
2). The insured should be the insurance company insurance status and the rights and interests of the facts. 
 
 3). In the completed insurance procedures to the original policy, should immediately check the insurance specified projects such as license plate number, engine number, asked for a cover case if there are mistakes, if errors should immediately put forward and corrections. 
 
4). The insurance card should be carried with the vehicle, the insurance vehicle insurance accident occurs, the insured shall immediately notify the insurance company and report to the traffic management department. 
 
5). The insured claims shall not conceal the fact, forged documents, manufacturing Jiaan fraud. 
 
6). Remember the deadline in advance for renewal of insurance, the insured can make continuous protection. 
 
 
 
11, For motor vehicle renewal should provide what documents?
　　
Provide the motor vehicle insurance last year's single;Insurance of vehicle traffic management by the issuing and qualified driving license and the license plate number;The insurance premium. Amount of insurance and insurance fee determined again.
 
 
12,Households where should lose for renewal procedures?
 
The insured can go on an annual motor vehicle insurance policy of a single location: the insurance company branch or sub branch, 
If the insured to change insurance companies to insurance, need to carry on an annual policy of insurance, otherwise cannot be renewed.
 
 
13, The insured enjoy what is no claim discount terms?
　　
In accordance with the motor vehicle insurance provision request:
1No claim discount refers to the insurance vehicle no claim in the previous year the period of this insurance, the renewal can enjoy reduced premium preferential, preferential treatment for the amount of this year continued the insurance should pay insurance premiums10%.
⑵Last year the loss of vehicle insurance, third party liability insurance, the additional risk of any one claim, could not the renewal enjoy no claim discount. No renewal does not enjoy no claim discount.
⑶After the accident to the renewal cases pending, no claim discount can not give. But the accident by the traffic control department after treatment, no liability guarantees, insurance companies do not need to claim, can supply no claim discount.
⑷In the last years of the period of this insurance, vehicle ownership transfer, i.e. vehicle resell, transfer, gift for others, the renewal, the insurance company does not give no claim discount.
 
 
14, Policy holders to enjoy no claim discount? 
 
In accordance with the motor vehicle insurance provision request:
1The insured vehicle more than one, according to the vehicle computing no claim discount.
　　⑵The annual no claim of motor vehicles, if the renewal of insurance and the last year is not exactly the same, no claim to insurance the same part is calculated on the basis of renewal insurance; if the same with the previous year, but the amount of insurance coverage, no claim discount to the annual amount of insurance to pay insurance premium shall be calculated on the basis.
⑶Regardless of motor vehicles for several years without incident,No claimdiscount all should pay insurance premiums10%.
 
 
15, Automobile insurance documents which has several forms?
 
In the automobile insurance mainly have the following several kinds of documents: 
Insurance: is a written certificate of the insured for the insured insurance. Insured by insurance company normally provided by the insured, filled out and signed or sealed after the entry into force. The insurance company issued the original insurance policy according to the insured in good policy content. 
Insurance: also known as the original insurance policy. An insurance contract is written proof of insurance company and the insured.Insurance policy issued by the insurance company, mainly contain between insurance company and insurant rights, obligations. It is the insured to the claim to the insurance company's certificate.
Insurance: the insurance company issued to the customer, record insurance simple certificate card type main content, one original for protecting a carry on.
Endorsement: is the content of modificatory insurance contract, insurance company issued to be supplementary written proof of the insurer.
The insurance premium invoice: is the insurance premium paid vouchers. As the formal invoice tax bureau supervised.
 
 
 
16,In the automobile insurance, select categories there are limits to what? 
 
A, third party liability insurance is the insurance must be insured, compulsory insurance provided by the state. To test whether the third party liability insurance in the vehicle licence, the new. Other insurance is voluntary insurance insurance. 
　　B, whole vehicle pilfer, vehicle cargo liability insurance, the windshield glass breakage, the vehicle to stop loss insurance, autoignite loss insurance, increase equipment loss insurance are additional risks loss of vehicle insurance, must insure the vehicle damage insurance to cover the additional insurance. 
　　C, vehicle liability insurance (refers to the personnel on the car, the driver and passengers) is the additional insurance third party liability insurance, third party liability insurance must be insured to the insured vehicle liability insurance (refers to the personnel on the car, the driver and passengers). 
DInsurance, non deductible special risks, must at the same time the insured vehicle damage insurance and third party liability insurance.
 
 
17, Automobile insurance contract the insured is what mean? 
 
The insured refers to the property or person is protected by the insurance contract, who enjoys the right to insurance claims. In the automobile insurance, the insured person generally refers to the car owner, is also the driving license the registered owner.
　
 
18, As long as a accident insurance company franchise is20%? 
 
This concept is wrong.
In the motor vehicle insurance compensation, in order to enhance the insured and the driver's traffic safety responsibility, the absolute deductible proportion on the insurance vehicle traffic accidents, namely the franchise, which insured his liability ratio.
The traffic management department of our country for traffic accidents, according to the full responsibility of main responsibility, responsibility, accountability, half time without liability to respectively determine traffic accident responsibility on both sides, accordingly, insurance company also given deductible proportion of different.
According to the liability insurance vehicle drivers are negative in the accident, the vehicle damage designated insurance and third party liability insurance compensation in accordance with the provisions in the absolute amount of deductible franchise: take full responsibility20%Primarily responsible, deductible15%Deductible bear equal responsibility10%Negative secondary responsibility, deductible5%. Unilateral accident absolute 免赔率 for20%.
Franchise different provisions of responsibility drivers the loss deduction rate. Therefore, as long as a accident insurance company franchise is20%This concept is wrong. 
 
 
19, Motor vehicle insurance must be in the insurance company designated factory repair?  
 
Not necessarily. Where is the right car customers, you have the option of sentinel plants is in the insurance company repair. But you do need to keep in repair of notify the insurance company, insurance companies responsible for the accident loss approved personnel to car accident photographs and approved vehicle repair costs. For repair after the claim to the insurance company for.
Remind: if you want the insurance company will pay your vehicle loss, never without the insurance company agrees to repair!
 
 
20, How to do in the field of automobile insurance? 
 
The car in the field be or get out of danger, should immediately call the insurance company claims department, commissioned at the same time in the local relatives or friends to the insurance company claims department report. When you fill in the report letter should be written clearly, the cause of the accident, but also to write clear contacts, vehicles in the field. In order to insurance companies to get in touch with you. At the same time, ask the insurance company in the field of assist to deal with claims of insurance company or office address, telephone, contact.
The local insurance companies will be entrusted to the local insurance company to assist in the handling of claims procedures.
 
 
21, Vehicle insurance policy holders after the Chuxian, how should report to the police? 
1). After be or get out of danger, the insured shall immediately to the traffic administrative department to the accident report, at the same time48Hours to inform the insurance company. If the insured vehicle theft, robbery or robbery,Should be in24Hours(Without force majeure factors except)To report to the local public security department,At the same time48Hours to inform the insurance company,And the newspaper statement. 
 
2). Reporting mode: direct to the insurance company, or a rational compensation right insurance agent point. Local vehicle in the field of insurance, to the company in the local insurance company or a branch. 
 
3). Report submitted content: insurance document number, name of the insured, the license plate number, the time of the accident, place, reason and the loss of. 
 
 
22, Vehicle insurance is calculated?  
 
The car insurance in the insurance period occurred in the vehicle damage insurance and third party liability insurance respectively according to different situations according to the formula in the calculation of insurance clause.
AIf the loss of all vehicles, insurance, and insurance amount is equal to or lower than the actual value was calculated out, according to the amount of insurance compensation,
Namely: claim= (Insurance amount-Salvage value(1) x-Franchise);
When the actual value is higher than the amount of insurance claims, compensation calculated according to the actual value of be or get out of danger.
Namely: loss =(The actual value-Salvage value)X (1-Franchise).
 
BThe car insurance, if there is a part of the loss, when the insurance amount of claim the insurance compensation value, according to the actual cost of repair.
Namely: loss =(The actual cost of repair-Salvage value)X (1-Franchise);
When the insurance amount is less than the insured value,
Partial losses according to the insurance value of insurance amount and the proportion of insured calculated compensation costs.
Namely: loss =(Repair costs, residual value)XThe amount of insurance and the insurance valueX (1-Franchise).
 
CVehicle third party liability insurance, accident, according to compensation limits specified by the policy of the approved limit of indemnity. When the insured shall compensate the amount exceeds the limit of indemnity at,
Indemnity = compensation limitX (1-Franchise);
When the insured shall compensate the amount is lower than the compensation limit:
Claims for damages =X (1-Franchise).
 
 
23, If the car lost, how to claim compensation from the insurance company? 
 
Discovery of vehicle theft and robbery, in24Hours to the security department report, at the same time48Hours to inform the insurance company, and make a statement in the newspaper. The criminal investigation departments at or above the county level shall register, if confirmed3Months and theft of vehicles has not recovered, the insured can claim compensation from the insurance company. 
The insurance company claims, if the stolen vehicle again, the insurance company can be the vehicle depreciation to the user, and recover the corresponding reparations; if the insured would not recover the original car, the vehicle ownership to the insurance company. 
To provide the insurance company claims documents generally include:
The original claim that policy, (issued by the public security department lost car, the local Public Security Bureau seal.) Transfer of rights (a book, vehicle ownership documents used to distinguish between, car owners and insurance companies. Provided by the insurance company, in three originals, insurance companies; owners; public security departments are retained.) Vehicle, vehicle license, vehicle purchase surcharge certificate, road maintenance fees, car keys, a suspended proof search a vehicle (original paper) and so on. Because of the difference of the competent administrative department of local, specific content can be reference to the insurance company claims department of vehicle.
Claim procedures are complete, in3A month submitted to the insurance company related department. In accordance with the motor vehicle insurance contract, the insurance company shall be10In end a case for compensation. To receive money, to carry the seal, the owner or the payee ID and other valid documents to go for the.
24, What is the range of motor vehicle insurance?  
 
Scope: automobile, tram, battery car, motorcycle, tractor, special vehicle, a variety of special vehicles. Motor vehicle insurance into the vehicle damage insurance and third party liability insurance, and additional risks to their. 　　
 
What specific insurance company underwrites a motor vehicle which type of business organization, please with the various insurance companies query. Also can query through the network system
 
,
25 Motor vehicle insurance, third party liability insurance isThe insurance responsibility? 
 
The motor vehicle third party liability insurance insurance liability is: be qualified driver insurers allowed to accidents in the use of insurance vehicle process, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurer in accordance with the provisions of the insurance contract compensation.
 
 
26,The insured motor vehicle insurance should be carried out according to what procedures? 
 
When the owner or user of the motor vehicle insurance, insurance should be according to the following steps:
1The insurance business places. For a formal insurance company or has been confirmed by the insurance company salesman; 
2. truthfully, detailed fill in insurance companies offer insurance application, specify their own insurance demand. (the single will be deposited into the underwriting file) 
3At the same time. The pay premium to insurance company unified format of the original insurance policy, insurance card and premium receipt; insurance card to list any immediately dial the telephone.
 
 
27, If the content of the original insurance policy have do wrong? 
 
When you get an insurance policy after the discovery of the registration items, such as license plate number, name of the insured, engine number, chassis number, number of seats, the use of nature, life expectancy is inconsistent with the actual situation, we need to correct these mistakes.
If the applicant immediately found in the end, may require the insurance company to change a new insurance policy; if the policy has been in force for a period of time, will the insurance single error correction procedures. Method: write a change of license plate number application form (the above stated policy number, policy errors, but also the signature or seal), bring your insurance policy and the driving permit, go to the insurance company of business management departments, they will give you a correct policy issued false endorsement, the above stated error correction of the situation. If the error affect the premium of many, will be an additional or refund of the premium. 
In this way, you will complete a policy error correction. Remember, the number of single in the claim with the insurance policy together.
 
 
28,How to handle the automobile insurance transfer procedures? 
 
When your vehicle owner name certificate of registration of the change, the need for car insurance transfer procedures. Method: write a car insurance transfer application form (the above stated policy number, license plate number, the old and the new owners name and reasons for transfer, but also the signature or seal), bring your insurance policy and the driving permit, go to the insurance company of business management departments, they will give you issued a change was group insurance the above changes, written by the insurer.In this way, you will complete the transfer of automobile insurance. Remember, the number of single in the claim with the insurance policy together.
 
29, How to handle the automobile insurance refund procedures?
 
We recommend that you first according to the telephone on the insurance policy to the insurance company to make a phone call to ask clear, surrender procedures, by which the branch of the insurance company for the time, with which materials, whether the insured my proof of specific issues such as. The relevant formalities insurance companies need to provide with Qi, you reduce the unnecessary trouble.
The following is the general procedure of surrender:
The first step: surrender to the insurance company to submit application 
Write an application, that portion of the reason and began to surrender from what time, signed or stamped with the chapter, give it to the insurance company's business management department. 
The second step: by the business management department issued by an insurance company to surrender the number of single 
The insurance company according to the refund application form issued by a number of single surrender, surrender time stated above and should return premium amount, at the same time to recover your car insurance policy. 
The third step: to the financial sector insurance companies shall receive retirement insurance 
With the surrender of single and your valid proof of identity, to the insurance company's financial sector led the response back to your insurance premiums. 
 
 
30,Insurance refund procedures generally need what documents? 
 
1Application: state), surrender surrender reasons and time, the owner is the unit to be sealed, the owner is required to personal signature. 
2), the original insurance policy (original): if the insured loss, then need to submit. 
3), insurance premium invoice: generally require the originals, sometimes also can copy. 
4), the insured's identity: the owner is the business license units need unit; owners is a personal need ID. 
5), surrender cause files: (I want to surrender need reasons? Anyway there is always one.)
AFor vehicles, scrap and surrender.BBecause the vehicle resell others to surrender.CBecause of duplicate insurance surrender.DFor insurance companies, service and surrender.
As the need for proof of the corresponding materials, so you'd better and their insurance companies to talk.
 
 
31,The insured motor vehicle insurance, the insured should perform what meaningWu? 
 
1The applicant for insurance), the vehicle should truthfully declare, and in signing insurance contract once paid insurance premiums.
2), the insured and the operator shall do a good job in insurance vehicle maintenance, maintenance work, and in accordance with the provisions of the insurance vehicle loading inspection; must be in accordance with the "Regulations" the road traffic management related motor vehicle loading, keep it safe driving technology.
The insured and insurer driver should be based on proposals to eliminate unsafe factors and risks, timely take corresponding measures.
3), in the period of validity of the insurance contract, the insurance vehicle resell, transfer, gift for others, change in the use or increase in the risk exposure, the insured shall notify the insurer in writing in advance and apply for correction.
4), the insured shall not be illegal resale, transfer of vehicle insurance shall not engage in illegal and criminal activities; use of vehicle insurance.
5Vehicle insurance), after insurance accident happens, the insured shall take reasonable protective measures, rescue, and immediately to the accident occurred in the traffic management departments to report, at the same time48Notify the insurer in hours.
The insured shall deal with the case, the traffic accident on the traffic control department of the public security plays10Days of the insurer to the clause (motor vehicle insurance clausesChina Insurance Regulatory Commission[2000]16No.) prescribed in article twelfth or the insurer can prove that the necessary documents reason, nature, responsibility and loss of accident.
6), the insured claims shall not have to hide the fact, forged documents, manufacturing Jiaan fraud.
7), the insured fails to perform the terms (motor vehicle insurance clausesChina Insurance Regulatory Commission[2000]16No. twenty-fourth) to Article twenty-ninth obligations, the insurer has the right to refuse to pay or from the date of written notice to terminate the insurance contract; paid, the insurer has the right to recover the prepaid insurance indemnity.
 
32, Motor vehicle insurance if the insurance company to verify vehicle mainly to see what the survey? 
 
Insurance companies in the insurance policyholders fill received later, to the motor vehicle field mapping, which includes: 
(1) the year of manufacture, use fixed number of year, use, tonnage; 
(2All relationships, whether or not) is a private contract, lease, loan, custody and so on; 
(3The main performance, whether out of), old or discarded; 
(4Nature of use); 
(5Compliance with the relevant departments) the driving requirements, whether by the public security department inspection; 
(6) driving license, airworthiness certificate and business license is complete. 
Survey of finished, but also the proposalform content is consistent with the actual, and whether the signature is consistent. The audit and unambiguous, signed a contract of insurance, the insurance company issued by the insurance policy or certificate of insurance to the insured, and issue"Premium receipt".
 
 
33, The vehicle license changed after Is it right? Should notify the insurance company? 
 
When your car to replace the license plate number, need to change the license plate number formalities insurance company.
Method is: first, according to the policy on the phone and call the insurance company, the insurance company shall confirm the service department. In accordance with the insurance company asked to write a change of license plate number application form (stated above the policy number and license plate number, changes, and sign or seal), bring your insurance policy and vehicle license. To the insurance company to go to. They will give you a single batch issued by a change of license plate number, license plate number of the marked changes. In this way, you will complete a license plate number. Remember, the number of single in the claim with the insurance policy together.
 
 
34, How to determine the responsibility of the personnel on the car insurance? 
 
When driving, I wonder if you have not thought to the personnel on the car to cast a accident insurance? The insurance company opened up a vehicle additional risks--The personnel on the car (or goods) liability insurance, including personnel accident liability insurance. As long as you insured vehicle liability insurance (personnel), vehicle accidents caused the car personnel (driver, passenger personal casualty) insurance company responsible for compensation, the compensation limit. So you can avoid a lot of any menace from the "rear", especially the taxi driver.
 
Then the different cars have different number of seats, in the end how to insure it? That is how to choose the seat problem. Following a brief introduction:
 
If your car5A seat, you can cover5A seat all insurance (called the insured according to the checking seat), also can be insured1~4Seat (called the insured according to the choice of seats). If you only insure2A seat, the insurance company will generally specify the seating position such as: only to protect the driver and the copilot.
 
Of course, in accordance with the approved seat (generally refers to all seats) insurance and insurance according to seat selection rate is not the same. According to the approved insurance rate for seat0.5%, according to choose a seat for insurance rate0.9%.
 
In order to5A Santana as an example: each seat1Million yuan, full of words, need to pay250Element, and choose the seat cover3A pay270Kyat. At this time, you need to finally compare is based on the choice of seats for cheap or according to the approved insurance cheap seats.
 
In general, if the choice of seats over the insured vehicle approved half seat, so you might as well according to the approved seat cover. But the most important factor for the car seat and security personnel to the extent.
 
 
35, The same car insurance do not like 
 
A customer bought a second-hand Honda car. In the car to buy insurance, the insurance company that new car purchase price of the vehicle damage insurance according to the insurance amount, whole vehicle pilfer according to the actual value of the car insurance amount, amount between the two is nearly double the. Why the difference?
 
According to the principle of loss compensation insurance, the insured property loss insurance, according to insurance mark value determine insurance amount. The insured amount is the insurer's liability, which is the maximum amount of insurance for insurance, insurance premium is based on. According to the "insurance law" in article thirty-ninth, the insured amount exceeds the insured value, the excess insurance belongs to the part in excess, invalid. Than the insured value, do not belong to the insured in full, in addition to the insurance contract, the insured amount and the proportion of the value of the liability insurance.
 
In accordance with the "Regulations of motor vehicle insurance clause", determine the vehicle damage insurance and whole vehicle pilfer the amount of insurance and guarantee the results differ. The amount of insurance loss of vehicle insurance can press the new car to purchase price determination, the actual value can be determined according to the insured vehicle, or by negotiation. All the losses occurred in the vehicle insurance accident, the insured amount higher than the actual value, actual value was calculated by accident compensation; insurance amount is equal to or lower than the actual value, calculated according to the amount of insurance compensation. In the partial loss of vehicle insurance accident, the new car to purchase price to determine insurance amount, calculation of compensation according to the actual repair and necessary, reasonable rescue costs; insurance amount is lower than the new car to purchase price, the amount of insurance and new car to purchase price calculated the proportion of compensation.
 
The insured vehicle damage insurance vehicle, whether new or used car, damage repair should be replaced with new parts, repair costs are the same. Therefore the insurance company in the new car to purchase price as the full amount of insurance, vehicle where there is a partial loss, calculation of compensation according to the actual repair and salvage charges. According to the actual value of vehicle insurance amount, premium is significantly less than the new car, as not full insurance, in the vehicle after a partial loss, the insurance compensation according to the actual costs multiplied by the amount of insurance and new car to purchase price ratio calculation. But in the case of vehicle loss, even if the old by the new car purchase price of insurance, insurance compensation is not more than the actual value of the car be or get out of danger at the time. The whole car theft insurance amount and should be in the actual value insurance vehicle.