Recently, an accord collision Rolls-Royce sky high claims case caused a debate, many netizens are chanted car "vulnerable", just a touch to compensate two million. Although the manufacturers estimate, this car was"Kiss"The million car eventually repair fee 350000 yuan in fixed, but far beyond the accord itself price compensation is still so many owners desparate housewives, have studied to buy their own insurance.

In fact, if you really go back hit the car, the only luck. Because of the high cost of repairs an ordinary car insurance claims Hehao car compared, it is not enough to see. But I believe that no one will fear into luxury cars can not drive. So, speaking of auto insurance, may wish to talk, auto insurance details combing several easily neglected.

 

A, How to buy insurance more see things in a blur?

 

General auto insurance type: <1> cross strong insurance (law enforcement, must buy);<2> vehicle damage insurance;<3> third party liability insurance;<4> whole vehicle pilfer;<5> passenger liability insurance;<6> breakage of glass;<7> scratch;<8> risk of spontaneous combustion (generally 8 years to protect);<9> doesn't remember deductible insurance (that is, 100% / mean).Different models have different prices, many insurance companies are not the same, online insurance prices generally lower than the market price. Gold insurance portfolio: cross strong insurance + vehicle damage insurance + third party liability insurance + vehicle liability insurance and the whole vehicle pilfer + non deductible special risks.

 

◎Cross strong insurance (to buy)

 

"Pay strong risk" natural needless to say, this is a mandatory insurance law of our country, but also the basic insurance per car. But this part of the cost of insurance is not fixed, also have special offer. With a new car, the first year of compulsory insurance for the price of 950 yuan, if a year without any accident, second years can offer 10%; if second years is no accidents, third years can offer 20%; for three consecutive years and there was no road traffic accident responsibility, cross strong insurance price maximum downward float of 30%, only 665 yuan. Therefore, pay or pay less, mainly depends on their skill levels.

Limit of indemnity:The insured has the responsibility (1) death and disability compensation limit for 110000 yuan,(2) limit compensation for medical expenses for 10000 yuan,(3) quota compensation for property losses of 2000 yuan.The insured has no liability (1) no liability for death and disability compensation limit for 11000 yuan,(2) is not responsible for medical expenses limit for 1000 yuan,(3) no liability for property loss limit is 100 yuan.

 

◎The third party liability insurance (should buy the 300000 best 500000)

 

Many owners are very confident about my driving skills, that the delivery of the insurance is not required to buy the third party liability insurance. In fact, the lucky psychology is not desirable, the event of a major accident, causing great loss of time, only the cross strong insurance payment is completely inadequate for the. Because the limit of liability compulsory insurance for property loss is only 2000 yuan, if encounter a luxury car, estimates that even a wheel side can't afford to lose all.

At present, the amount of compensation to the third party liability insurance are multiple grades 50000, 100000, 200000, 300000, 500000, 1000000 and 1000000 yuan, the amount of compensation is high, the owners need to pay more the premium. According to Chinese PICC, 6 below the ordinary car, different insurance premiums are as follows: for 200000 yuan, a year to pay 1204 yuan (benchmark premium, the actual payment of the premium according to the condition of the vehicle the enjoyment of the appropriate discount, similarly hereinafter); and 300000 yuan, to pay 1359 yuan; 500000 yuan, pay 1631 yuan; 1000000 yuan, pay 2124 yuan. "Even with the benchmark premium, insurance and only 500000 yuan to 200000 yuan to pay more than 400 yuan, if the discount, the difference is less, but when it comes to claim, compensation may be a difference of 300000 yuan. Quite a lotCityInsurance third party liability insurance of private carsManyIs 500000 yuan, and 1000000 yuan now also gradually more up.

So, Is it right? Increased by third party liability insurance coverage, the owner can avoid out of pocket? The owner without the purchase of non deductible insurance, even if the third party liability insurance coverage is high enough, still need to pay compensation. "In Wenzhou, this accident as an example, Rolls-Royce preliminary damage repair fee is 390000 yuan, even accord owners insurance third party liability insurance is 500000 yuan, because she did not buy the non deductible insurance, so the insurance companies can only claim 80%, accord the owner must pay for their 390000 Yuanwei repair costs 20%, namely 78000 yuan."

The so-called "third party", refers to besides the insured vehicle things, including other motor vehicles, non motor vehicle, person, animal, road traffic facilities. The third party liability insurance, the insurance vehicle is as a result of accident, the man of property loss, in accordance with the law shall be responsible for the insured, the insurance company will compensate for the.

This is an additional insurance, as long as the owners for this insurance, can put this should by own liability to pay compensation to pass on to the insurance company.

 

◎Car damage insurance (to buy)

 

Although "caution", but the car on the road security are not allowed to meet what natural calamities and man-made misfortunes, causing damage to the car, then the damage will be able to play a role, it is for the vehicle damage insurance or allows the driver in driving the vehicle when insurance accident caused by the insurance.

However, if you think a car caustic danger, that is caused by the natural disaster loss insurance company will have to pay for it, that is wrong, the earthquake can not in the car damage insurance coverage. As for the driver drunk driving or engage in illegal activities, even with the car caustic danger, the insurance company will not pay.

 

◎Pilfer (buy)

 

For just opened more than a year of new car, suggest pilfer also worth buying, because if there was an accident, purchase hundreds of pilfer, insurance company after confirmation, according to the price to pay, the price of high parity.

 

The car personnel liability insurance (to buy)

 

In the main risk, the general car caustic danger, commercial three liability insurance is the owner of concern of insurance, but the car personnel liability insurance is often neglected. The car personnel liability insurance refers to the period of insurance the insured or the valid driving accidents in the use of insurance vehicle process, resulting in the car casualties, economic liability for compensation according to law shall be made by the insurer, the insurance company responsible for compensation in accordance with the provisions of this contract. Now the self driving tour more and more, if one family go out to travel, for the family to buy a security person is very necessary, also can give the family a separate buy a personal accident insurance is more cost-effective.

Insurance amount:The amount of insurance liability of the personnel on the car by the insured and the insurance companies determine the general coverage, per seat according to 1-10 million yuan. The number of insured drivers and passengers generally do not exceed the insured vehicle seat approved the.

 

◎Non deductible insurance (to buy)

 

Many owners will ignore a very good use of the additional risk -- non deductible insurance in the purchase of third party liability insurance. As we mentioned at the beginning of the article accord hit Rolls-Royce case, the owner will not buy non deductible, so the third party liability insurance the insurance amount is only 200000 yuan owners will only get insurance company claims 160000 yuan, spent for 40000 yuan.

Originally, the owner has 5% to 20% is the compensation liability should be responsible for their own after the accident, but non deductible insurance can take this part of the compensation to pass on to the insurance company. And some of the loss of only several hundred yuan a small accident, if not to buy "non deductible", after deducting deductible amount, the compensation to the owner is not worthwhile.

It is reported, more than 10 percent of the non deductible insurance fee is only third party liability insurance and car damage insurance, the price is not high but very practical, can be regarded as "a penny to buy cheap", consumers in the insured, don't forget to put the pen.

 

Two,Insurance five misunderstandings

 

Because of the contract with the provision does not contact, many owners will choose to trust salespeople or according to their own experience to make the decision to buy insurance. In fact, any kind of insurance, have knowledge greatly, also easy to let consumers into this or that kind of misunderstanding, auto insurance is no exception.

 

◎All risks ≠ lose

 

Perhaps you buy insurance often heard the salesman mentioned the word "all risks", the insurance will feel all that nature will be "full compensation after the accident". In fact, this is the car insurance mistakes many owners would have. The so-called "all risks" does not exist in the legal and insurance companies, but people will cross strong insurance, third party liability insurance, non deductible insurance, car insurance, steal a few rescue, car insurance and other personnel main categories together together, have nothing to do with "full compensation".

Only when your car because of non natural causes and vehicle quality problems (traffic accident, theft, and completely lost the ability to use combustion, the insurance company will insure your time according to the insured amount to full compensation, but the premise is that you should be insured as pilfer, car caustic danger or risk of spontaneous combustion.

 

◎Baodeduo ≠ lose more

 

Owners in the purchase insurance is always worried about security issues, think "Baodeduo will lose more". In fact, the amount of compensation insurance companies will not be more than the actual value of the car itself. For example, a value of 100000 yuan of insurance the insured vehicle vehicle loss 150000 yuan and pilfer, even the whole car robbery accident, the insurance company will according to the actual value of payment vehicle depreciation, the maximum not more than 100000 yuan. Therefore, buy insurance according to the actual vehicle insurance can be insured, without excessive.

 

◎Auto ≠ Wanquan

 

Many owners think that buy insurance is no danger of anything going wrong, the accident compensation insurance can cast. In fact, the loss scale and traffic insurance liability is closely related to. If an accident in the loss of 300000 yuan, the police found liability ratio is 50%, the insurance company in insurance coverage, insurance third party liability only pay 150000 of the. Therefore, in accordance with the law in order to avoid the accident safety driving more responsibility.

In addition, any insurance product has its specific scope of protection, but also have the exemption clause in the corresponding. Owners should be carefully understood at the time of purchase, especially insurance contract on the "important" part, attention must be paid, not understand place should allow professionals to explain, in order to better protect their rights and interests, have full confidence in the claim.

 

The scene of the accident ≠ retention

Many owners of the relevant departments misreading rapid road traffic accident treatment measures, do not stay at the scene of the accident, by the insurance company's refusal, in this regard, remind owners, the first site accidents is very important for the auto insurance claims. For example, you insure the China safe online auto insurance, when you escape from danger, should immediately dialed 95512, Ping An insurance to the scene investigation, therefore, to grasp the first time loss, for the understanding of the cause of the accident, the attribution of responsibility, determine the size of the loss, accurate, reasonable calculation and payment of compensation is very important. If a minor accident in traffic thoroughfare, as it does not obstruct the traffic accident vehicle, the owner may be evacuated to not affect the traffic of place, waiting for the insurance company to survey, the insurance company will be the first site second site. Moreover, safe online auto insurance for claims in the amount of 10000 yuan the following, data complete, can one day payment. This can reduce the burden of the owners of many.

The car ≠ 4S shop

When your car after be or get out of danger, not all cars must be to the 4S shop repair. The damaged vehicle repair, the insured shall jointly with the insurer examination, consultation project, and cost of the repairs. The vehicle after be or get out of danger, some 4S shop offers serious deviation from the market price, the insurance company will require the owner to other stores, repair. So as to maintain the interests of the applicant, the applicant can prevent unreasonable price. So, the owner to confirm first loss insurance company in the amount of repair vehicles should be paid before, if you find the difference between the price, should request the repair shop assist to confirm the amount of repair. If the deviation of repair and the loss amount, it shall request the third party assessment, fast processing insurance claims disputes. Some owners do not understand this point, it has brought a lot of unnecessary trouble.

 

Three,How to choose the insurance to save money and security

 

Prior to assessment of risk, insurance, vehicle mainly full understanding of risk management, make their own risk assessment. Everyone in the front, are unable to predict the future risk.The owner must use cost risk to maximize the transfer outThat is, with the least money on the biggest risk. This requires the owner to match the commercial insurance. How to assess the overall risk, and according to the actual demand and the personal income of the insured. The general principle is income, can choose several major categories; if enough, then choose several, once the money is not a problem, can also choose full insurance or insurance larger.

And the car should pay attention to. When policy holder buys insurance, usually consider both, but I do not know where,The principle is to protect the animals after the insuredSo it is suggested to be insured, the strengthened, and relative reduction. The risk is estimated, and the vehicle can be bad repair, but people can not, so they need more consideration to human factors in insurance.

To guarantee maximum security, policy holder is in sufficient funds, the third party liability insurance and the staff car insurance coverage increase, so people can benefit most from investment. But the coverage mainly refers to the vehicle itself, the insured when the attention of CDW and pilfer. To remind the majority of the insured, the car valuables damage and loss, the insurance company shall not pay.

Look at the price to service. Owners in the choice of insurance, should be more focus on price and service. Although different, but the price is not too far behind, service is the most important.

Now each insurance company will in general terms, and then according to their own actual conditions to make corresponding adjustments, and each price will be different, the owners in the choice of the project, must according to their actual circumstances, and calculate the corresponding cost. Although the price is important, but is not the absolute value, and the special low price of insurance companies and insurance, the insured must be careful, low price does not necessarily have good service.

Try to provide owners and real vehicle, information policy, to avoid problems, people and cars not caused by compensation in trouble.

In addition, the former, many consulting several insurance companies, sales policy, focusing on the visibility and reputation. At the same time, the signing of the insurance contract terms, to read the terms of the contract, find out what kind of circumstances which will compensate the amount of compensation and the project, only careful of,"Strictly observe the regulations for safe driving"To ensure the" insurance "no accident.