[reproduced] with insurance knowledge does not allow insurance companies to exploit

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  • / Author: Aaron Lewis
 Familiar with insurance knowledge does not allow insurance companies to take advantage of loopholes
 
   Author:Wu Weili  
 
"A year more than 3 times renewal claim must pay a premium," Mr Yin thinks this is the terms of overlord, because the salesman never told this provision.

"In the eyes of many people, I have made 'journalist', regardless of the level and the courage will carry the world before one, a lot of things as long as I am willing to change, there is hope. In fact this is a misunderstanding." Senior reporter Yin Hongwei said, he had fallen into a trap set by property insurance companies can not own.

Contract of insurance no this provision

Yin Hongwei said, by the end of 2008, he bought a car, and in the "* * * insurance company" staff warm reception fully insured. Due to technical and luck is bad, his car in a crowded city scratched a few times. Of course, most of the time is a small mark, because of their pursuit of perfection, every time, looking for the opportunity to repair such as the insurer's special repair shop, so about 6 times.

A few days ago, because the insurance expires soon, he take the initiative to renewal. But he had to go through the formalities for staff accidentally told, because his car claims more than 3 times (regardless of the amount, only number), so no longer for his cover. If you must guarantee, the insurance premium to rise 10%, and later 500 yuan loss without compensation. On the same day he for renewal, the hall has two owners of the situation and his own, because claims more than 3 times, must raise 10% premium to renewal.

"The insurance company if told I claim more than 3 times will increase next year's premium, hit small eraser hanging I will handle, does not have to be reported loss claims." Yin Hongwei said, from insurance to each repair, the insurance company staff never told "more than 3 claims". He checked the insurance contract, also does not have such a rule.

The 5 owners were interviewed, say not to be reminded

Yesterday afternoon, reporter random interviewed 5 owners, all that does not know the number of claims will affect the premium for second years amount to buy insurance. "Every time is to 4S shop to repair, repair to call me." This car Mr. Song said, he has had 3 car insurance, but now I don't know whether it will affect the next year the number of claims the renewal fee, insurance companies and repair shop staff did not warn him.

"Repair, repair shop master told me, repair times used to save the point." Mr. Li, driving a car for 2 years to say, just buy insurance, the clerk did not tell, but at the first claim had to be reminded.

The insurance company said, no explanation obligation

"This is the case, is the owner of the insurance knowledge know too little, or even the existence of a misunderstanding, think that as long as the purchase of insurance should be responsible for the insurance company." Yesterday morning, Yin Hongwei to the car insurance company relevant responsible person said, the insurance company claims 100 yuan accident and claims 10000 yuan accident, procedures are the same, therefore, the owners to buy insurance, companies frequently to insurance claims and increases operating company, intangible cost, correspondingly increase the risk of the insured the index, in the next year to improve natural premium.

"The clerk is responsible for the interpretation of legal provisions only content, no provisions, we have no explanation obligation." Whether to sell insurance to the owner explained the number of car owners claim will reduce the credit insurance, the responsible person said, under normal circumstances, the salesman will inform its consequences. But now many insurance business from the repair shop, car dealers and insurance Proxy Companies, personnel quality is uneven, can not tell the owner of the.

The salesman Zou Xiansheng introduces, this is guild regulations

"Some of the insurance company claims reached 3 times, second years to pay premium. Some of the provisions is 6 times. This is the whole industry phenomenon, individual behavior is not which insurance company." Worked in the insurance companies of Zou Xiansheng introduces, at present in Yunnan, no matter what the insurance, as long as the number of claims over the provisions of the insurance companies, will be on the blacklist, second years of premium ratio will increase 10%, some punitive provisions, such as 500 yuan Yin Hongwei mentioned the following non payment. On the contrary, there has been no claim of the owner, the renewal will enjoy discount.

"Insurance companies not welfare agencies, as enterprises also need to avoid risks." Zou Xiansheng said, many customers will claim a year accident free customers differently for different standards, the insurance premium, in fact, is the embodiment of the principle of fairness.

In this regard, CIRC Yunnan Bureau staff said, the insurance company as the enterprise, in addition to cross strong insurance, according to specific condition to security and self adjusted premium proportional to the right.

Yin Hongwei said:

The insurance company did not fulfill the obligation

"Insurance companies in order to reduce the loss cost, internal regulations I don't oppose. But it can not deceive, hide, especially in our claim behavior. This is irresponsible to customers of extreme. The main responsibility of the insurance company is not the obligation, to reduce my insurance credit." Yin Hongwei said, now all the insurance companies have network, even if the change to other insurance companies also have the same experience. Because the insurance company did not perform the obligation of informing and reduce insurance credit directly, this is not his personal interests, but the majority of the owners of the public interest, he has been contacted lawyer, ready to sue the insurer, for everyone to have a say.
 

  Only buy insurance to pay strong, not enough!
 

   Mr. Wu has finally bought a new car, a round car dream for many years. In the processing of car license plate and a series of procedures to understand to the motor vehicle traffic accident liability compulsory insurance, which is referred to as "insurance" is the law of our country must buy and pay, as long as the owner or manager of motor vehicles running in the Chinese territory on the road must be insured cross strong insurance, motor vehicle the uninsured may not be driven on the road. Since this provision, Mr. Wu for car insurance compulsory insurance, if he wants to have insurance compulsory insurance, and insurance for the insured motor vehicle road traffic accident victims of personal injury, property loss will give compensation within the limit of liability, so only buy insurance to pay strong can?

   Only buy insurance to pay strong can do is many novice owners will be some doubt in the car insurance, can have such doubt is because the difference of compulsory insurance and commercial insurance is not know. Cross strong insurance is mandatory, compulsory insurance for traffic accident victims (not including the vehicle and the lead insurer) to provide basic guarantee, so it may be only buy insurance to pay strong words, in the event of a road traffic accident, the compensation is relatively low, more important is probably the attendant or other losses are not in the compensation range, so the owner suffered in the accident can not be fully protected. So the owner should be in the car insurance when considering the purchase of the necessary commercial insurance as a supplement of compulsory insurance.

    Since only buy insurance to pay strong can you answer is negative, then the owner should be how to choose other types of insurance? The general understanding of the car owners actually very few, most of them need through various consulting, choose a trusted insurance companies such as Ping An insurance is very important. Type the main vehicle insurance is the loss of vehicle insurance, responsible for compensation due to natural disasters or accidents caused by the loss of vehicle, vehicle collision general novice owners on the larger opportunities, after insurance would not have owners all bear their own vehicles after the collision repair costs; third party liability insurance is responsible for vehicle an accident caused by the use of others (third persons) direct damage liability for personal injury or property. There are other breakage of glass, spontaneous combustion risk of loss and insurance, the owner can choose these commercial insurance according to their own needs.

   Choose the most suitable for their own insurance, can fully guarantee in the accident, also won't because many against unnecessary or repeated insurance and bring additional economic burden. Only strong buy insurance to pay you the answer to this question is decided by the owners of their own needs. But if there is no correct assessment of risks, it is easy to lose.


 How to buy local insurance foreign licence
 

The stream of vehicles has many private cars are foreign license, this has become a new trend in recent years. Since it is not a local license plate, then the vehicle is able to purchase insurance in Shanghai, and then to buy have restrictions, once the accident compensation is?

On the limited conditions for the sale of the brand

 
In fact, there is doubt, purchase a car owner, the card before you should do your homework first, because the Motors Insurance Corporation on the field license insurance have different restrictions, or after the licence was told not to purchase insurance, will become difficult.

Take Ping An insurance, they provided whether the foreign brand vehicles can purchase insurance in Shanghai will depend on the license plate location. Usually from points near to Shanghai in Jiangsu and Zhejiang area can be, and if it is partly in Henan, Shandong, Guangdong, Hunan and other regions of the local licensing, peace is to restrict such insured car owner in Shanghai.

Also since last year, the Pacific Insurance have also done some restrictions on foreign brand vehicles local insurance. Although not on the license area of the Pacific Ocean to be clearly defined, but want to buy some of the Shanghai field license must meet the following conditions: one, a car, a Shanghai identity card; two, to hold a local residence permit, temporary residence permits or property certificate. That is to say, do not meet the above conditions the owners can not buy Taibao insurance. And the people's insurance, sunshine insurance no limits.

Automobile insurance premium calculation -- up to 14.5% off

In addition to the limited conditions for the sale, a problem of auto insurance premiums to the owner is concerned. So different cars, both non local or local owners, purchase insurance in Shanghai, whether its premium can also get car insurance calculation of maximum 30 percent off discount? In this regard, the Pacific, PICC Property Insurance Company, such as sun reply, if the car without insurance last year in Shanghai, the largest discount this year in Shanghai when the insurance for the auto insurance 14.5% off. This is because, Shanghai commercial insurance platform can not get the car past driving record, so the insurance companies to improve the threshold in signing insurance policy.

Similarly, holding foreign license car owners also can not get 30 percent off discount, some insurance companies will be based on the vehicle purchase price decision premium discount rate, public class cars such as the Dongfeng, Buick, GM and other preferential rate is higher, while the unpopular class car or low-cost models (such as 60000 yuan of the following Chery) insurance is preferential low. The car and the car has become one of the standard insurance company to measure the margin of preference, the PICC was slightly stricter. In the second year renewal insurance, if not out of good driving record and the word of the year, even if is the field of vehicle license plate can also get 30 percent off auto insurance discount.

In addition to the formalities and price, different plate claims have what different? Industry sources, the license plate and the license plate in different local purchase insurance time although the threshold is different, but the customer service of automobile insurance is the same. Encounter danger condition, the owner shall report to the insurance company immediately, through on-site treatment to determine the losses and damages mediation, submitted to the insurance company claims materials. The case after the audit, can receive money.

 

  Auto accident free enjoy the value-added service

   Recently, this newspaper to buy only the compulsory insurance of vehicles "streaking" attention, many owners have begun to improve vehicle insurance own. At the same time, also owners have said, he is driving a veteran, every year to the insurance company "in vain" send many insurance fees, the hearts of some imbalance. According to the owners of this kind of psychology, some insurance companies to launch new business owners vehicle without an accident, also can obtain the relevant service.

   Frankly, a motor industry staff in an interview for a long time, the property insurance industry customer service pays more attention to insurance customer claims, but not too much attention to the long-term not out of customers, but this part of customers just belong to high-quality customers, thus, objectively led to this part of customers have the psychological imbalance. Recently, the insurance company to change the idea, to provide value-added services for customers without danger.

   November 21st night at eleven seventeen, Ms. Meng driving Qingdao to return to Ji'nan, in the high speed road, suddenly burst tire. Late at night on the way home, Ms. Meng is very anxious, immediately call the 95512 hotline request rescue peace. Received the assistance request after eleven twenty-three, Ping An Property & Casualty customer service staff sent a car rushed to the scene and at eleven fifty in the evening arrived at the scene, quickly ruled out vehicle fault.

   In this regard, the Ping An insurance company of Shandong personnel interview, non accident road rescue service is one of the characteristic service for their clients, rescue service coverage to provide 24 hours all-weather rescue services within the rescue network, main contents include electrical service, rushed to the scene, emergency water, oil replacement tires, repair, hoisting trailer towing, rescue.


  Analysis of insurance: to ascertain the exemption clause to avoid refusal
 

After many owners in listening to the sales staff recommend and buy a "full" insurance, that vehicle with security, you can rest assured that the driving, but ignore the exemption clause in the insurance clause. Often wait until the claim, the insurance company makes a refusal decision, the owners know the existence of exemption clause. We will introduce some insurance companies do not lose situation, hope that the majority of owners in the car can take warning.

Not for drunk driving

In June this year, Mr. Sun accompany clients after dinner, they drive home the rear end accident. The traffic police department after investigation, that Mr. Sun drunk driving, negative accident responsibility. After the accident he would report to the insurance companies, and require the insurance company to compensate. But the insurance company after the verification, rejected Mr. Sun's claim. The reason is the driver drunk clause of insurance companies drive, economic losses and damages caused by the listed as exemption clause.

Expert interpretation

Increase the chance of accident vehicle drunk driving, the laws and regulations of our country drunk driving is illegal behavior, and the punishment for drunk driving is very strict. The insurance company of business of three party insurance will be clear as deductible liability of drunk driving, and cross strong insurance provided by the insurance company to pay compensation.

Pilfer, upgrade in the new car insurance in insurance, insurance clause A, B will "drunken Diuju" as a disclaimer pilfer rush to deal with an emergency clause. To determine if the drinking behavior directly led to the theft of vehicles, the insurance company will decline, if not, the insurance company shall be in accordance with the provisions of compensation.

Remind drivers

Not only pose a threat to their own security of drunk driving, and the others are not responsible. Owners should do don't drink and drive, do not drink and drive.

Three party insurance does not compensate family

Mr. Tang and his wife are fans, the original home only a car, two people go out often rob car. In order to solve the "contradiction", in May this year when they bought second cars this way, people will no longer "stolen car". But did not expect, owns two cars will also bring trouble. The young couple parking is together, make the wife of Mr. in parking reversing, accidentally hit Mr. Tang on the left side of the vehicle door, causing the vehicle door deformation. When Mrs. Tang to insurance company claim for compensation, but was the insurer's refusal. Insurance companies on the grounds that: Mrs. Tang crashed vehicle is Mr. Tang, third party liability insurance is no compensation for the hit family situation.

Expert interpretation

For Mrs. Tang claims, Mr Tang vehicles that do not belong to the scope of the case of the third, so the third party liability insurance does not assume liability to pay compensation.

Third party liability for compensation due to traffic accidents caused casualties or property losses to others. In the insurance contract, the first is the insurance company; the second is the insured vehicle; the third is that in addition to the insurer and the insured, accident insurance vehicle causes the personnel or property insurance vehicles under the damages in the car under the victim. Third out of four kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members.

Remind drivers

To be extra careful when driving, regardless of Is it right? Family can not be hit.

Illegal driving no claim

Mr. Zhao to drive more than 10 years, is an old driver, he drives very carefully, no accident occurred. But in June this year on a rainy day, Mr. Zhao running on a viaduct, the rear end accidents caused by sight is poor and, fortunately, speed is not fast, but crashed before the car bumper. As Mr Zhao full responsibility, he should be responsible for the compensation for the losses of the other party. In his report to the insurance companies and the claim, did not expect the insurance company in the adjustment and finds his driver's license is not examined, so the proposed exclusions. Originally, Mr Zhao's driver's license should be examined in May, but he from April to May in the field trip missed a trial period of two months, back to Shanghai, Mr. Zhao also forget to make the trial, until he remembered that year. After the accident.

Expert interpretation

Juxian provisions, insurance only to qualified, legal effect vehicles. The driver didn't were examined on the driver's license, the vehicle belongs to the unqualified vehicle, the insurance company owner claims the right to refuse. In fact, in addition to the driver not examined, driving without a license, driving license is suspended, the driving license is invalid or inconsistent are illegal driving behavior, the insurance company is not liable for the acts of.

Remind drivers

Abide by the laws of the state, the driver timely inspection, valid driver's license and driving the vehicle, the owners do not lend unlicensed driving staff, or buy insurance, but in the event of an accident without compensation.

Self insurance to compensate

In early 5, Mr. Chen car collision accidents resulting in damage to the vehicle, identified by the traffic administrative department of the accident responsibility, responsible for all the other vehicles. After Mr. Chen and other reached a compensation agreement, other compensation for 800 yuan, Mr. Chen to repair, repair cost many not related with each other. But Mr. Chen did not think of is, repair costs as high as 2300 yuan. He did not think of is, when he had 800 yuan part beyond the claim to the insurance company, the insurance company refused to pay. Insurance companies on the grounds that: Mr. Chen has reached an agreement with each other to obtain compensation for losses, damages, therefore the insurance company no longer Mr. Chen vehicle shall bear the responsibility for compensation.

Expert interpretation

After the accident happens in the vehicle, the owner may demand compensation from the third party, it may claim compensation from the insurance company. In the claim to the insurance company at the same time, will also own the right of recovery against the third party to transfer to the insurance company. To the third party claim did not get full compensation, can continue to claim compensation from the insurance company.

According to the above statement, the insurance company should pay compensation to Mr. chen. Insurance companies are rejected, the reason lies in the signing of Mr. Chen and other compensation agreement, the provisions of more than 800 yuan, the other is not responsible for repairs. This means that Mr. Chen take the initiative to give up the excess of the right of claim. According to the insurance law, the insured voluntarily give up the right to compensation, no longer require the insurance compensation.

Remind drivers

Insurance accident happens in the vehicle, the owners do not self loss signed compensation agreements, to give up their rights. Can you claim on the insurance, and then with the insurance company claim for compensation to the third party.

Enlargement loss without compensation

Mr. Liu to go out the way the vehicle suspension system is damaged, Mr. Liu immediately report to the insurance companies, the reply. But at the time, Mr. Liu did not immediately repair vehicles, he felt that the car can also be driven, in order not to affect the travel itinerary, will continue to travel, to do it after the repair. But when Mr. Liu will be the vehicle to repair, repair personnel have told him because the continuous running of the vehicle shock absorber in the case of damage, cause damage to other components of the vehicle, the lower the cost of repairs at a much higher. When the insurance company claims to tell him, that they are only responsible for claims shock, for other parts repair costs they are not paid by the.

Expert interpretation

The insurance provisions, after suffering the loss, without the necessary repair continue to use the vehicle insurance, the insurance company shall not compensate losses, the insurance company to Mr. Liu's vehicle in addition to other loss shock outside the no compensation. The vehicle after be or get out of danger, should take corresponding measures or timely repair, do not think anyway, the insurance company will pay, and then continue to run.

Remind drivers

In an unfamiliar vehicle construction case, continue to do not use or move your vehicle after the accident, should pay attention to protect the scene, timely alarm and contact with the insurance company, lest because of unauthorized launch vehicle losses, the insurance company shall not compensate.

The following is the paper may affect or relate to the plate stock: the classification of all the stock market industry stock market

 Which of the 4 kinds of situation of loss insurance is not responsible for compensation and pay the
 

1 intentionally caused by the victim of the traffic accident loss;
2 the insured property and the insured motor vehicle property loss;
3 the insured motor vehicle traffic accidents, resulting in the victim closure, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage change caused by the loss of property and the victim due to market price changes caused by the depreciation, repairs after the value of the loss and other indirect losses;
4 for the cause of traffic accident arbitration or litigation expenses and other related expenses.


Insurance claims the loss of fire rescue also includes losses
 

   In November 15th, in Shanghai Jiaozhou Road, the scene of the fire, two car family car from the burning of falling, caused the loss of vehicle. From the current security situation of auto insurance, the insured can obtain compensation for the losses caused by the fire which the vehicle from in?

According to the life insurance, the person in charge, the fire accident in the vehicle insurance claim within the scope of the loss, including direct fire burned and burned out vehicles, including rescue efforts led to the loss, in general, the insurance on the vehicle fire accident compensation is carried out according to car caustic danger compensation provisions, that is how much compensation for the loss, the upper bound is the sum of.

   Notable is, in the fire accident insurance claims, but also consider the cause of the accident. According to relevant sources, if the accident is caused by the responsible person, and the person responsible for construction engineering installation of additional insurance and third party liability insurance, so the vehicle loss will be the liability insurance compensation, even though insurance has claims, insurance companies can also apply to the underwriting liability insurance company claim. If the fire is caused by spontaneous combustion vehicles, the vehicle must buy the risk of spontaneous combustion to get the claim. If the owner did not buy the car caustic danger, cross strong insurance does not compensate the owner.


  The effect of insurance must pay attention to

In May 16th this year, Miss Qu bought a new car, on the same day to the insurance company for the cross strong insurance, car insurance, third party liability insurance, and pay premiums, insurance company issued the original insurance policy. But then in the car on her way home, Miss Qu he with his car, the police department survey found, take full responsibility for the song miss. Think of their own to buy insurance, the song Miss immediately claim to the insurance company, but was refused, the reason is the policy that the insurance period since May 17, 2010 00:00, to May 16, 2011 when only 24. The accident occurred on May 16, 2010, according to the insurance company the next day zero protection system, not in the insurance period, therefore not claims. The song miss to appeal to the court. The court held that, Miss Qu insurance contract is established, and the entry into force, the insurance company shall bear compensation responsibility.

In this case, the court is based on. "Insurance law" of the people's Republic of China the thirteenth stipulation: "the applicant requests insurance, the insurer agrees to accept insurance, the insurance contract." At the same time, "the contract law of the people's Republic of China" the forty-fourth stipulation: "the contract established according to law, since its establishment in force". Therefore, since the song Miss requests insurance, the insurance company agrees to cover and policy is issued, the contract between both parties shall be established, and has the legal effect.

In addition, although the insurance company in decline reason, relates to the zero effect insurance system problems, but the insurance industry indicate, according to the "insurance law of the people's Republic of China" the thirteenth stipulation: "the applicant and the insurer may on the validity of the contract conditions or time limit." So, the next day will protect system actually belong to the insurance contract with entry into force conditions or effective time period clause.

Needs to be pointed out is, of the premise conditions or effective time period in terms of the special agreement, in the relevant condition and the term is a contract both sides, is the true manifestation of the will. But in this case, the insurance company and Miss Song at the conclusion of the contract through consultation on the next day, not zero protection system, or to clear the duty of disclosure, but unilaterally determine the insurance period and print on the policy, so the next day zero protection system does not belong to conditional or time limit provisions, only belongs to the form clause. At the same time, the "contract law" of the people's Republic of China stipulates: "the fortieth terms of format with the fifty-second article of this Law and the provisions of article fifty-three cases, or to provide one format articles from its liabilities, increases the liabilities of the other party, excludes the rights of the other party, the terms shall be invalid". In this case, the zero effect for the actual formation of exempt from the responsibility of insurance company, and therefore has no legal effect. The insurance company shall bear the corresponding compensation liability.

By the case of visible, some people think that the purchase of insurance, the insurance company will be responsible for all things, that is not the case. In particular, signing policy, to date, the insurance period indicate that the security factors effect the starting time, should pay attention to. The insured on the fill in and get the official policy, if the expression has doubts about these elements, should take the initiative to confirm to the agent or the insurance company.

 


  Vehicle insurance and insurance exclusions won the support of the court

 

 

Case:

In 2008 April, an industrial company for the car, in the insurance company for loss of vehicle insurance, third party liability insurance, theft, the period of one year. In September the same year, the company will car transfer to Mr. Qin, and handle the transfer procedures. A month later, Mr. Qin friends old Feng drive, collided with another car. According to the traffic department finds, Lao Feng on the full responsibility for the incident.
 
In 2009 March, industrial company and Mr. Qin to claim compensation from the insurance company, and issue the car show that the transfer in Che kwun. But the insurance company, the contract agreed in the contract within the period of Vehicle Insurance Co., sold, transferred, as others, change in use, the insured shall notify the insurer in writing in advance and apply for correction, otherwise, the insurer has the right to terminate the contract or refuse compensation. Both sides make to the court, after hearing, the court decided in favour of the insurance company's decision.

Interpretation:

This case mainly involves insurance to correct problems.

The insurance industry have pointed out, "insurance law" of the people's Republic of China stipulates that the twelfth: "the applicant for insurance shall have an insurable interest subject. The applicant for insurance has no insurable interest in the subject-matter, the insurance contract shall be invalid." In this case, industrial company in the period of validity of the insurance contract, the insurance transfer of vehicle ownership transfer to Mr. Qin, vehicle ownership transfer. When insurance accident happens, industrial company has no insurable interest in the insured vehicle. Therefore, the contract since the vehicle transfer date, because industrial company loss insurance benefit and invalid. Industrial companies claim to the insurance company is not in accordance with the.

In addition, "insurance law" of the people's Republic of China stipulates that the thirty-fourth: "the transfer of the insurance object shall promptly notify the insurer, the insurer agrees to continue after underwriting, the alteration of the contract in accordance with the law." In other words, the transfer of property insurance mark insurance formalities shall be handled. Otherwise, since the date of the transfer of the insurance object, insurance contract is invalid.

The insurance industry have pointed out, the insured property once it is sold, the original insured is lost on the insurable interest in property, that is to say the original applicant will not be damaged because the insured property insurance accident occurs, or when the insurance accidents can not occur, and continue to enjoy the benefits from damage. The original insurance contract transfered from the property rights, namely the lose effectiveness. Therefore, if the insurance contract shall continue to be valid, the applicant shall be the property insured at the time of the assignment, promptly notify the insurance company of the policy was correct. General procedure for correcting for: the original insured inform insurance company, the insurance company agrees, by the original policy and number of single modified name of applicant, after correcting original rescission of the insurance contract, the new contract of insurance.

In this case, between Industrial Company and the insurance company signed original contract is valid. Within the validity period of the contract, the insured vehicle industrial company in Che Kwun procedures for transfer of ownership transferred to Mr. Qin, the fact which provides the procedures for transfer of vehicle ownership certificate. However, due to the vehicle after the transfer, the two sides did not go to the insurance company for the change of subject of insurance contract procedures, resulting from the transfer of vehicle ownership transfer of insurance contract date is invalid. Therefore, the request for compensation for the losses they require the insurance company is not sufficient, so the court dismissed the action request.

 

 
  Purchase insurance on the "three principles"
 

   How is his new car to buy a suitable insurance is a difficult problem. Wobao net insurance experts say, in fact, as long as the following three principles will be able to buy the car insurance.

　　Principle: to protect personnel to protect car

Wobao net insurance experts said, now the new car owners will be mainly vehicles as their means of transport to work, the owner himself is the car key security needs of the object, if there are no other accident insurance and medical insurance for car owners, suggestions to insure themselves a 100000 driver, insurance, responsible for their own but also for be responsible for the family. On the passenger insurance, if the probability of passenger vehicle, can cover 5-10 million / seat, if the odds, comparative economic practice is to insure the 10000 yuan per seat.

Insurance experts point out that, in accordance with the above principles and buy the insurance categories, and then buy a car caustic danger, then for a car insurance has been basically covered. As for other insurance categories, such as pilfer, glass, spontaneous combustion, scratch insurance, requires owners to combine their own actual situation, insurance.

Principle two: the first to buy the full three liability insurance

Three liability insurance, third party liability insurance, the third party is in addition to the insurer and the insured, accident insurance vehicle causes the personnel or property insurance vehicles under the damages in the car under the victim. Simply put, the third is ruled out for four people, in which the insurer, the insured, the car accident drivers and their family members, the insured person's family members.

Wobao net insurance experts, all automobile insurance which belongs to the third party liability insurance is the most important. Because the car crashed can repair, but if the drive people injured, and caused serious damage to it, the amount of compensation to the other party to destroy an ordinary family. Insurance experts also reminded, in addition to cross strong insurance belongs to must pay the insurance in the commercial insurance, liability insurance, the three is the first choice, but also to the full insurance at the time of the accident, so as not to cause unnecessary trouble.

Principle three: three liability insurance coverage shall refer to the standard of compensation

Three liability insurance in the country standard of compensation is not the same, according to the highest standards of automobile insurance compensation, if killed one person, the maximum compensation in Shenzhen area can be reached 1500000 yuan, the highest amount of Beijing area may also be a million. For example, insurance experts said, if a driver burden all responsibilities in traffic accidents, resulting in death, the dead for the Beijing city registered permanent residence, so a rough estimate, need to pay 700000 yuan of above, compensation includes three parts:

Death compensation of about 530000 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. 2009 Beijing city residents per capita disposable income reached 26738 yuan, so the death compensation for 26738 yuan 20=53 million yuan)

If the dead have minor children, also need to burden alimony, has been paid to children 18 years of age, generally need about 100000 yuan.

If the deceased had an old man needs, still need to pay the cost of maintenance, also need to 100000 yuan.

So, insurance expert advice, Beijing area owners should at least three liability insurance sum insured in 200000 above, conditional can three liability insurance the insured amount of 500000 yuan.


WobaoTips

Insurance claims to clarify the four steps

For car owners, there may be because don't remember the insurance claims process so as to delay settlement. Wobao net insurance experts, the standard insurance is mainly divided into four steps:
1 car be or get out of danger after the insurer of insurance companies report telephone call to report.

2 according to the insurance company claims department to arrange the branch underwriting loss. The insured need to bring the original policy, driving license, driving the insured, identity cards and other documents to the insurance company to complete the formalities.

After 3 damage, the insured to the garage.

4 car to the insurance company claims.

 
  Car caustic danger "high and low compensation"
 

   Recently learned, China Insurance Industry Association recently held a forum, underwriting and claim work to improve the commercial insurance, to listen to the experts' opinions and suggestions, and to solicit opinions from all sectors of the society, will be the next step in research and combing the current insurance system.

The experts reached a consensus at the forum. Because of professional car insurance is relatively strong, the majority of owners may be more difficult to understand, need more insurance industry continues to strengthen insurance knowledge popularization, underwriting to the customer to explain and to inform the work, at the same time should optimize and perfect products, more popular, more easy to understand way, providing insurance services for the majority of owners.

The media in some insurance companies are "high and low compensation" phenomenon caused controversy in the auto insurance, according to the insiders, the so-called "high fidelity", is actually a "full insurance". Although the owner, according to the actual value of the insured is easier to understand, but at present the main reason more new car purchase price of the insured is, if the insured in accordance with the new car to purchase price, whether the vehicle service life, in car damage insurance companies will use the new parts repair. For the majority of owners, all hope to vehicle repair quality is guaranteed, the use of new parts, therefore, choose according to new car purchase price of insurance way, can get full compensation.

If the owners choose according to "a new car purchase price" policy, is to be compensated? It is understood, there are three types of car caustic danger cases: one is the part of the loss of the case, in 2010 car caustic danger in the overall compensation ratio up to 99.914%, according to a new car purchase price of insurance, won the new parts of compensation, compensation is full, full. Two is the total loss situation, this case in the car caustic danger whole claim accounted for a relatively small, about 0.086% in 2010. Three in case of a partial loss in some vehicles, in the whole period of insurance, claim number may be more than one time, plus the sum insured in the insurance period is automatically restored, the cumulative amount of compensation may far exceed the sum insured.

According to the insurance industry association statistics, more than 99.9% above the car damage insurance is "enough to ensure sufficient to compensate", "individual claims which are similar enough to ensure more pay", and the so-called "compensate" phenomenon. From the insurance law of large number of products, in order to reduce the complexity, the convenience of customers to understand and giving consideration to fairness and efficiency of the vast majority of cases, the insurance company product development using the total loss and partial loss of two kinds of responsibility and make the sum insured way, and to further improve the system, so that owners demonstrably to buy insurance.

At the same time, whether new or used car,Automobile insuranceThe premium is based on the compensation cost actuarial, compensation cost and spare parts price, repair costs are closely related, in the compensation cost under the same conditions, the insured either way, the premium level is consistent. The new car to purchase price as the sum insured, its corresponding to the actual value of the sum rate, as if, receive the same value compensation, will also have the corresponding rate. As long as the compensation cost unchanged, whether in the new car to purchase price or the actual value of the insured, the premium level is relatively stable.

On another level, CDW coverage is one of the prerequisite elements decide the compensation, how to find the optimal solution, make various claims can be the most reasonable compensation, is the next step of the insurance industry to solve the direction. The development of insurance industry needs a process, foreign counterparts is passed through several stages before the progressive development to the current risk-based pricing model to model itself. In view of the domestic insurance business time is short, lack of technology, lack of data, there are various kinds of specification models, low degree phenomenon objectively, the future need to accumulate data, improve the technical level, gradually transition to a vehicle pricing model.