Vehicle insurance knowledge quiz

One, basic knowledge quiz
1,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.
2,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. If the owner for the insured automobile own, is the insured and the insured person is the same; if the vehicle cover other people does not belong to their own, is the insured and the insured is not consistent. The two cases are insurance companies 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 the insurance claim. 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.
3,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.
4,How to distinguish between business and non business car?
Business car is 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 car refers to the party and government organs, social organizations, enterprises and institutions at all levels of personal vehicles or vehicle only for personal or family life.
5,What is insurance, insurance, insurance card, endorsement?
Insurance is a written certificate of the insured for the insured. Insured by insurance company normally provided by the insured, shall fill out and sign or seal, the insurance company issued the original insurance policy according to the policy holder to fill in the application form content. For online insurance, the insured on the Internet for a series of "OK", "submission" action, which is regarded as the applicant intention (offer) expression, and afterwards the insurance company will print out the application form Please add signature confirmation The policy is also called 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 insured by a claim to the insurance company's certificate. Insurance card is issued to the insured by insurance companies, insurance, the main content recorded in one original for protecting a card that carries or simple receipt. Batch sheet is to be content of modificatory insurance contract, insurance company issued to the insured written proof of complementary, with equal binding force of contract and policy.
6,Why old car new car purchase price only by the insured vehicle damage insurance, vehicle damage insurance produce partial loss can be calculated for compensation in accordance with the actual cost of repair?
Because no matter new or old, repair should be replaced with new parts, new and old car is the same in after damage repair costs. If the actual value of the insured vehicle damage insurance, the premium is significantly less than the old car, it is not fair for new users.
7,Whether the vehicle can be insured?
Double insurance refers to the same categories for the same car, respectively to two or more insurance companies. Repeat insurance can only get a compensation. "Insurance law" the fortieth stipulation: 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. Otherwise, there is a part of the premium is white, is not any compensation.
8,Whether the vehicle can excess insurance?
Excess insurance refers to insurance amount is higher than the new car purchase price, but the excess insurance cannot obtain excess compensation. Because the insurance law, the insurance amount must not exceed new car to purchase price, exceed new car to purchase price, more than part of the void.
9,What is not full insurance? What are the consequences?
Not full insurance refers to insurance amount as specified in the insurance contract is lower than the new car to purchase price, the result is the loss of vehicle insurance occurred after the loss, the insurance company according to the insurance amount and the purchase price of the new liability ratio, also is the proportionality, the insurance company is not in accordance with the actual loss compensation in full, but in accordance with the actual loss amount and the new car the purchase of insurance price multiplied by the proportion of compensation.
Two, type ABC
1,You must buy the vehicle damage insurance?
The vehicle damage insurance charge compensation due to natural disasters and accidents caused by the loss of vehicle. This is the most important insurance of insurance. Don't spend a lot of money, but it can get great security. Generally speaking, for imported cars, domestic cars, if the year is not too long, or the driver technology or to vehicle safety driving habits can not provide high security, best can buy this insurance. If you don't keep this insurance, vehicle collision after repairs had his own pocket, that may be thousands or tens of thousands more charges.
2,What is the third party liability insurance?
Third party liability insurance for the insured vehicle accident, direct loss causes the third suffers from a personal injury or property, in accordance with the provisions of the insurance contract insurance compensation. Cover the insurance is the most necessary. Drive the fear most is the crash, crash, his car by the loss is not, but also spend a lot of money to repair, treat others. Against this risk, to spend one thousand or two thousand yuan, can obtain a higher security. In order to make the victim's legitimate rights and interests are protected, at present, "road traffic safety law" has clearly stipulated the national implementation of the motor vehicle third party liability insurance system, do not buy this insurance, the car cannot go up card also cannot yearly check.
3,What insurance can compensate for the loss of stolen vehicles?
Whole vehicle pilfer, the insurance is responsible for vehicle theft, robbery for all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. If you have been stolen by thieves had hardly wished to live. wallet, you will know if your car is stolen, robbed, apart from causing huge economic losses to you, will be extremely sad, in order to avoid this situation, at the same time, suggest to car with anti-theft device you for it the whole vehicle pilfer (to soothe your wounded heart if the car is stolen, can make up for your loss, economic).
4,The third party liability insurance, Is it right? Also includes the personnel on the car insurance?
Does not include, to personnel on the car safety guarantee, need to insure the vehicle officers liability insurance. The insurance is responsible for vehicle accidents causing the car personnel casualty loss.
5,How to understand the no fault compensation insurance?
No fault compensation insurance refers to the motor vehicle and non motor vehicle, pedestrian traffic accidents caused by other casualties, ruling by the traffic control department of the public security according to law, shall be borne by the third themselves, but by the insured pay reasonable emergency medical expenses, funeral expenses, since third is no ability to repay, ruling one month third still failed to repay, the insurer is responsible for compensation.
6,A design of security categories separately for window glass breakage?
Breakage of glass for glass and the glass of the windows before and after the design insurance. For the breakage of glass, car is in park or in use process, the other part is not broken, only windshield and car broken glass alone, the insurance company responsible for compensation. It is necessary to buy this insurance to high-grade car.
7,Buy the spontaneous combustion risk of loss, the vehicle on fire, you must get compensation?
Not necessarily. Spontaneous combustion risk of loss is responsible for vehicle and cargo insurance because of the fault of the vehicle electrical appliances, circuit, fuel supply system itself on fire, caused the loss of vehicle insurance; but due to external fire causing the vehicle on fire, do not belong to the spontaneous combustion risk of loss extent of liability. Although the probability of spontaneous combustion vehicles is relatively small, but spontaneous combustion often leads to serious economic losses, so the conditions permit, advise you against spontaneous combustion risk of loss.
8,Senior audio car belongs to the vehicle damage insurance coverage?
If senior audio car not with the car product, but also installed, not in the vehicle damage insurance coverage, but the new device to increase the risk of loss can meet your demand for insurance. The categories are directly responsible for the loss of car new equipment caused by vehicle insurance accident compensation. When your vehicle with refrigeration, oxygen equipment, clean fuel equipment, CD and video equipment, leather or power seats not vehicle factory with the equipment, should be considered for new equipment increased risk of loss. Otherwise, these equipment accident damage, if the insured vehicle damage insurance, the insurance company is not compensation.
9,If I have insured for accidental injury insurance, whether can not insured vehicle liability insurance?
Suppose you are the driver of a vehicle, for you personally, in your insurance accident injury insurance case, not by vehicle liability insurance to get compensation, but once the accident, from a legal perspective, and your car with relatives, friends and even insurance accident injury insurance is not reduced accordingly you should bear the liability for compensation, in other words: if you hit the same car, which led to relatives, friends of casualties, compensation does not belong to the scope of accident injury insurance. You must pay for the same car casualties (whether or not they are life insurance). It is recommended that you'd better insure the vehicle liability insurance. 10, what is the vehicle to stop loss insurance? 　　The vehicle to stop loss insurance for compensation insurance vehicle insurance accident occurs causing damage to the vehicle, resulting from the stop loss. Insurance compensation according to the actual number of days of insurance, compensation amount multiplied by the fixed date to the date of completion of the repair in the repair time calculations agreed within. To engage in professional operation of large passenger vehicles and operating rental car, because the car accident after delayed operation, indirect loss is large, it is necessary to insure. 11, buy the spontaneous combustion risk of loss, the vehicle on fire, you must get compensation? 　　Not necessarily. Spontaneous combustion risk of loss, is responsible for the vehicle and cargo insurance because of the fault of the vehicle electrical appliances, circuit, fuel supply system itself on fire, caused the loss of vehicle insurance; but due to external fire causing the vehicle on fire, do not belong to the spontaneous combustion risk of loss extent of liability. Although the probability of spontaneous combustion vehicles is relatively small, but spontaneous combustion often leads to serious economic losses, so the conditions permit, advise you against spontaneous combustion risk of loss.
Three, policy safeguard and claims services
1,How do I post vehicle accident, report to the insurance companies have age requirements?
Please immediately report to public security departments, and timely call peace and national customer service phone 95512 report, request any 48 hours to the insurance company.
2,As my vehicles can not travel how to do?
You can dial 95512, peace can contact assistance for you.
3,To provide what information to the 95512 report to?
Inform the 95512 policy number or the license plate number or name of the insured, peace can accept your report (for the sake of convenience, suggest you drive carry driving license and insurance card).
4,If I in the field accident how do?
Peace, China launched the first national service compensation, regardless of your vehicle at home anywhere in the accident, accident safety mechanism can be the nearest for claims (Tibet autonomous region has not yet implemented).
5,How do I handle the claim procedures?
Peace will help you, you just follow the prompts to safe service personnel, if not sure, please call 95512.
6,The transfer of vehicle ownership me, policies need to change?
If you on the policy change, such as a new car, the transfer of vehicle ownership, to change the use of nature and so on, are the need for timely to safety management policy assessment procedures, peace will be issued to you a single batch records, the contents of the change, as the policy supplement.
7,My vehicle is not timely inspection, claim is a claim?
According to the stipulations of the contract of insurance, the insurance vehicle fails to test which the insurance liability exemption range. So please remember to go through the formalities for vehicle inspection, must not be delayed, to protect your rights and interests are not guaranteed.
8,Can I put the small accident put together the report?
You can't do it, because every time the responsibility of the accident and the loss degree are not the same, and the vehicle place within the insurance after the loss, without the necessary repair continue to use, part of the insurance company is not liable for loss due to its.
9,Not what the violation behavior common to make the insurance claim?
A, without a valid driving license; B, driving the vehicle and driver's license quasi driving type does not match; C, the driver drinking, drugs, anesthesia drugs were driving accident; Escape D, vehicle accident insurance; E, non business units and private vehicles used for business purposes, specifically to the insurance contract.
10,The vehicle after be or get out of danger, I can repair itself, then the claim to the insurance company?
Can't. Insurance contract has been clearly defined, danger after 48 hours should report to the insurance company, the insurance company will send someone to survey the scene, determining the loss, not to delay your car and claim, you can according to my company loss to confirm the results as soon as possible to repair, so as not to cause unnecessary trouble claims. 11,The insurance amount of car how? The sum insured vehicle according to the new car to purchase price. The amount of insurance loss of vehicle insurance, car value or actual value can be determined according to the insured. Can also be made of the insured and insurer agreed, but the insurance amount shall not exceed the insured value, more than part of the void. 12,The driver, passenger insurance tips The driver and passengers accident insurance is not insurance must be insured, you can choose according to the actual condition of the insured: 1, if your car is basically only one ride: driver, can only cover a seat. The insurance fee is 90 yuan. 2, if your car is often have two or more than two people ride, can 5 all insurance, 50 yuan each, total 250 yuan; if only to cover the 2 seat, 90 yuan each, a total of 180 yuan. In comparison, or 5 of all insured value. 3, if you often drive or ride in your car, already covered by other types of person accident injury insurance, there is no need to insure the driver and passengers accident insurance, because of duplicate insurance is invalid. 13,The third party liability insurance covering tens of thousands of appropriate? At present, the insurance company of the third party liability insurance optional 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and six grades insurance. The premium is 1040 yuan respectively, 1300 yuan, 1500 yuan, 1730 yuan, 1820 yuan. Protect 100000 yuan more appropriate, can meet the general accident. The 50000 Yuanlve less. A small accident enough, bigger accident will not be lost. That requires driving should be careful, do not hit. Protect 200000 yuan basically can sleep without any anxiety. But don't intentionally accident, that the insurance company will decline. Our advice is: third party liability insurance to protect a little, don't wait until not lose the only regret not guaranteed. 14,The insured to the insurance company or get a Proxy Companies? Directly to the insurance company insured benefits: more reliable; the shortcoming is: what things do get it yourself, whether insured or claim. Getting an agent is good: good service, the insured to the door, the claim is willing to help; the shortcoming is: many agents do not last long, unreliable 15,How to audit policy Since April 1, 1999, the national unified use Chinese CIRC reunification producer insurance documents, similar blank documents printed original insurance companies since May 1, 1999 to stop using. When you receive insurance documents, must carefully check the documents, have a look whether the triple used white carbonless paper printed and reprinted Brown anti-counterfeit shading, the upper left corner is printed with "Chinese Insurance Regulatory Commission producer" words, the upper right corner is printed with "limit in XX Province (city, autonomous region) sales" words, and if not, may refuse to sign. 16,The old should be the price of a new car insurance body loss insurance According to the price of a new car insurance and body loss. Because no matter new or old, repair should be replaced with new parts, new and old car is the same in after damage repair costs. If the actual value of the insured vehicle damage insurance, the premium is significantly less than the old car, it is not fair to insurance companies. While the pilfer and spontaneous combustion risk of loss is according to the actual value of the insured, new and used the premium is different, therefore the claim for compensation after is not the same - car payment, income compensation; old pay less, less income compensation. 17,How to determine the amount of insurance car insured Daoqiang Xian and natural loss insurance? For pilfer and natural loss insurance, the insurance amount used by the insurance company and the insured negotiation in the actual value of the insured vehicle is determined. While the actual value used is the same type according to the insured vehicle market new car purchase price (including vehicle purchase surcharge) minus the car has been determined using depreciation. The depreciation rate according to the relevant provisions of the state (every year after year depreciation). The actual value of the insured vehicle is higher than the purchase a car when the invoice amount invoice, purchase a car to determine insurance amount. When the insurance accident occurs, not only the implementation of 20% of the deductible franchise, but according to the actual value of vehicle insurance paid to. For example, a new car for $300000 Honda accord, 2 years minus depreciation: 3030 x 10% x 2 = 240000, only by the 240000 insurance. Once stolen, the insurance company the amount of compensation: 2424 x 20% = 196000. 18,Spontaneous combustion risk of loss is not necessary to cover? The spontaneous combustion risk responsibility scope is narrow (only liable for reasons the circuit or circuit resulting from vehicle combustion losses), cost rate is high, less value insurance. In reality, a spontaneous combustion accident is very small, more than 100000 yuan in high-grade car spontaneous combustion, less. The vehicle ignition if associated with the design or quality, we can find manufacturers claim. So, not necessary insurance risk of spontaneous combustion. 19,Pilfer alone cannot be insured? Pilfer cannot be arranged separately, can be added under the vehicle damage insurance. Not the insured vehicle damage insurance is not insured Daoqiang xian. If the violations against, finally is invalid. 1998 in Beijing have done, the owners can not obtain compensation. 20,Collision not recovery protocol Collision without recourse agreement is an agreement between the insurer. If the signing of the agreement the insurer insured vehicle collision. To suffer damage, the insured pay up to their underwriting body loss, no legal recourse, is legal costs can be avoided, a lot of work can be saved, the premium can be kept to a minimum. 21,Vehicle to buy insurance, transfer, change in use or the policy is lost, what about insurance? In the period of validity of the insurance contract, the insurance vehicle resale, transfer to others the legitimate, the insured should be approved by the Department of industry and Commerce of the invoice or handle the transaction procedures in the traffic management departments, to the insurance company to apply for correcting the insured name which has an insurable interest. When changing the nature or modified variant, the insured shall notify the insurer, and apply for correcting nature of vehicles or vehicle. Such as increasing the degree of risk, in addition to notify the insurance company, according to the provisions of the insurance premium should be paid. 22,The policy loss Don't worry, can by the insured to carry on the proof to the issue of the policy insurance company to apply for a replacement.

22,What rescue vehicles stolen is Paul?

   As the name implies, whole vehicle pilfer refers to the insurance vehicle (including the trailer) full vehicle theft, robbery, robbery, and theft, robbery, snatch process is damaged or the car parts, ancillary equipment loss repair costs. Correspondingly, such as "non full car robbery, only the car parts or ancillary equipment was stolen" etc. belong to pilfer the liability exemption, if you as a car installed sound or video equipment, such as encounter robbery, is not to make compensation.
   The car lost items without compensation
   The so-called pilfer the scope of insurance is actually just the vehicle itself, like cash, computer and so on are often placed items in the car, now the insurance company are not covered. The car all goods, there is no insurance companies dare to promise full payment. So, please do not put valuables in the car in order to avoid the loss of. In addition, the parking choice as far as possible the parking fees. Parking on the vehicle has duty of care, if the loss occurs during parking parking lot can request compensation, but be sure to ask for receipts, for ease of use by adults.
   The repeated insurance more insurance does not compensate
   Auto insurance is different from the person accident injury insurance, the insurance company to pay compensation in accordance with the actual value of the insured vehicle, such as vehicle is repeating the insured motor vehicle whole vehicle pilfer, the company in accordance with the contract of insurance amount of this contract of insurance amount and repeat insurance to the ratio of the sum of the liabilities of compensation, so you even more out of an insurance policy fees, but also can receive a payment.
Know the detailed terms.