Category: Insurance tips Release Date: 2006-08-01
Now buying a car who had gradually increased recently. Insurance, as to be on the formalities to be completed before the license is often the one to do that in the sales shop too. Buy a car themselves simply do not care about the content of insurance policy is basically how the introduction on how to buy others. Automobile insurance market in the current highly competitive insurance for a number of circumstances, if it is safe to do so? In fact, as a lot owner or policyholder should understand the terms of the contents of the auto insurance and learn to identify the authenticity of automobile insurance, so that insurance car insurance in order to achieve real "insurance."
Of a provision essential to
First, to understand auto insurance from the terms of the basic content of the beginning. At present, China's motor vehicle insurance generally includes basic insurance and additional insurance in two parts. Basic insurance is divided into loss of vehicle insurance and third party liability insurance. Loss of vehicles in the following causes of loss of vehicle insurance, the insurer liable to pay compensation: collision, capsize; fires, explosions; external objects, the collapse of the air to run an object falling from moving parallel to fall; lightning, storms, cyclones, storms, floods, tsunamis, subsidence, ice trap, cliff collapse, avalanche, hail, mudslides, landslides; carry insurance, vehicle ferry to natural disasters. Motor vehicle third party liability insurance is the insured person qualified drivers allowed to use the insurance of vehicles during the accident, causing a third party suffered personal injury and property damage directly.
Motor vehicle insurance, additional insurance, including: All cars Daoqiang Xian, car liability insurance, no-fault liability insurance, vehicle liability insurance of goods falling, broken glass, a separate insurance, vehicle insurance suspended losses, spontaneous loss of insurance, additional equipment, loss of insurance and non-deductible account special risks such as 9 categories.
Correctly understand the new Terms and Conditions
As the situation develops, the insurance companies have introduced a new, more suited to market needs with the terms and rates policies, to seize the market. China Insurance Regulatory Commission approved a new vehicle from various insurance premium rate program, many consumers is to be understood as lower rates, this bias, leading to a loss in selecting insurance.
In this reform, although they also relate to the rate problem, but it is not a "down" the word can be summarized. For example: The original is a provision to face a different set of rates to customers, different vehicles, but now will have to different clients according to different risk groups are given a reasonable price. Some rates may have to rise, and some must fall. Therefore, insurance, it is necessary to peruse, reflect on, then asked. Preferred to choose insurance
Of course, the current multi-car dealer with a qualified insurance agents, car insurance, while on both convenient and fast. However, the car dealer on the optional insurance, room is small, the follow-up services are often not keep up, once the owner really out of insurance, their rights can not be guaranteed. So choose an insurance company to buy a suit their auto insurance is necessary.
When an insurance salesman introducing insurance, it should let them to show their insurance company logo printed on the relevant documents or insurance agent for a practicing certificate. Carefully chosen a good reputation and high level of service, payment ability, state-approved insurance companies insured. Not just the easy way to find an insurance agent easily insured, but can not be the so-called "high-return," the temptation to avoid a small gain but on the those fake agent's trap.
Carefully review the insurance documents
Upon receipt of insurance documents, we must carefully check to see whether the document is the third in conjunction with a white non-carbon copy paper security printing, plus light brown shading, which is printed on the upper left corner, "the China Insurance Regulatory Commission Executive Producer "character, the upper right corner is printed with" limited in the × × provinces (municipalities and autonomous regions) selling "words. If there is no refuse signing. In addition since April 1, 1999, the national reunification of China Insurance Regulatory Commission has been produced using the insurance documents, the original printing of the same insurance companies have stopped using the blank documents. Note that the right after-sales service
When deciding insured encountered doubts and do not understand the problem, they should immediately consult a clear, if necessary, directly to the insurance company a call. Signing his insurance payment, should be required to deposit insurance salesman on the spot issuance of a receipt or temporary insurance receipt, please sign the insurance salesman on the receipt the name and code, and ask people to leave business cards, telephone numbers in order to get in touch, but also can be directly linked with the insurance company in order to be recognized. If the temporary receipt, also need to receive an official receipt, official policy to conduct a serious examination later to confirm correct to be effective.
