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Data:2009-12-12 2:34
Auto insurance rates for the market opened the prelude of the personal auto insurance, all kinds of different sex, age, driving experience, insurance almost certain models
Diverse and fascinating auto insurance shop around a careful eye to see
Editor's note: to purchase auto insurance, is "car owners," the problems faced each year. As more and more personalized appearance auto insurance arena, auto insurance market price "monolithic" situation will soon be broken. Faced with a dazzling display of auto insurance products, how to choose a product suited to your own auto insurance? To be sure that the insured vehicle insurance policyholders should first determine the most basic common sense, such as the insured vehicle performance, price, driver of the driving experience, driving skills and vehicle using the frequency. On this basis, the insured would be better than before the terms of the insurance company auto insurance comparison, see Which of the policy terms and the most suitable for them, and then make a choice.
How to pick auto insurance insurance At present, there are hundreds of kinds of vehicle insurance, although some insurance name of the similar, but the terms of the content, insurance vary widely, the insured before the insurance companies would be better to compare the terms, choose which company out of after the best interests of the insurance policy terms.
Buy auto insurance, we must first choose the right insurance company, it is best to consider a large scale and strength of the company. Largest insurance network is complete, especially when the insured vehicle in the field Chuxian, the big companies either took the survey commissioned by off-site locations can also be set through the remote information loss, due to reduced on-site survey of waiting time, resulting in faster settlement of claims. In contrast, small companies, although the pricing policies may be lower, or even to discount, but the claims are slow.
When buying auto insurance policyholder should first insure Chesun Xian, third party liability insurance are two basic insurance. With reasonable additional insurance is very important, for often Paozhang Tu, there is no fixed garage or the living quarters of the owners of poor security environment, the greater the risk of vehicle theft, but also to buy Daoqiang Xian, scratches insurance. In addition, in response to "Road Traffic Safety Law" car "no responsibility for compensation," the new provisions, it is best to increase the premium no-fault liability insurance and is not counted deductible insurance, so regardless of whether owners have the responsibility in the accident, have access to full compensation for .
The insured should pay attention to, we can not consider only save money but not full insurance, not spend money unnecessarily over-insured. Because auto insurance rates are fixed, and therefore the number of dependent新车购置价payment. A wise choice is full insurance, that is, the number of vehicles on the insurance value of the amount can not, just not full insurance premium savings.
Traffic accident occurred more frequently linked directly with the insurance premium. Insurance companies are generally on the "quality customers" offer preferential rates for the previous year did not Chuxian vehicles available in the following year when the insurance renewal rates for certain concessions. Therefore, the availability of insurance claims last year, the number of premium plays an important role. If in the previous year have more claims, then the second year auto insurance premiums will go up. If the same company insured three consecutive years of no claims, then the following year, premiums are usually paid 30 percent discount, people discount the highest Che Sunxian insured up to 50%.
As many insurance companies have the right insurance terms Chuxian the number of the previous year, if a good driving record, you can consider continuing in the same company, the insurance rates so you can get more benefits. Otherwise, we should consider selecting other insurance companies auto insurance in order to get the same protection under the able to pay less premiums.
Policyholders to the newspaper often reflect the terms difficult to understand auto insurance, insurance companies, non-transparent pricing, insurance exclusions matters without the prior informed clearly and so on. In response to these circumstances, insurance regulatory requirements in the province, Jiangsu Province, the insurers with effect from May 1, in the insured before the owners are required to provide a "motor vehicle insurance coverage, Jiangsu Province, prompt" (hereinafter referred to as "Insurance Tips"), thereby clearly in vain to inform the owner of the rights and risks insured. "Insurance Tips" prompted the owner to be the main focus of attention, including the most critical of the insurance contract liability, exemptions, compensation methods and the proportion of, in particular the agreement, underwriting, and claims to some of the restrictions and other content, but in the past are just relying on insurance Company salesman oral explanations. "Insurance Tips" also states the premium calculation of the various reference to factors such as last year was no loss of discount, the designated driver and special requirements; insurance companies offer a variety of services, after Chuxian claims procedures and the need to provide the material; to remind the owners in taking out insurance, be sure to accurately fill out declaration forms with particular attention to the insured vehicles and vehicles of the insured person are the same cards and so on.
In view of this, a vehicle insured plainly and truly enjoy the benefits of insurance, insurance regulators and insurance companies in the insurance policy has indeed prompted should learn from practices in Jiangsu Province to do a lot of tips and communication efforts.
Second-hand car insurance program for owners of second-hand car insurance situation of journalists in Shanghai insurance companies auto insurance sector professionals, they are buying for different owners of different models of used cars recommends the following four kinds of car insurance buying programs available.
Program 1: Simple version (a primary insurance + one additional risk)
Insurance insurance: third party liability officers liability insurance + car insurance third party liability insurance for third party damage caused by a degree of protection. In addition, if the driver take full responsibility, it must be the passengers on board, therefore, the car liability insurance is also essential. This choice is undoubtedly the cheapest, but the protection is inadequate.
Program 2: Economic Edition (two main risks + 2 additional insurance)
Insurance insurance: Vehicle damage insurance + third-party liability insurance + car + no-fault liability officers liability insurance with loss of vehicle insurance and third party liability insurance, including some of the basic insurance coverage for vehicle damage and third party caused by loss has a degree of protection, and the cost of a modest, these two insurance is essential. No-fault liability insurance is an additional third-party liability insurance, vehicle owners encounter on the highway crossing the road, even though the driver no responsibility, if purchased the insurance, the impact, rescue those fees, funeral expenses, etc. can be get insurance payments.
Experts believe that, for second-hand car, this program cost-effective, security is relatively better than the first was opened, the old second-hand car drivers, the best choice.
Program 3: Universal Edition (two main risks + 4 additional insurance)
Insurance insurance: Vehicle damage insurance + third-party liability insurance + car insurance no-fault liability officers liability insurance + + + spontaneous combustion risk the entire vehicle Daoqiang Xian novice driving a lot of issues barely notice it, but error-prone operations, the loss of vehicles insurance, third party liability insurance, the entire vehicle Daoqiang Xian, car liability insurance, no-fault liability insurance, experts suggest that spontaneous combustion risk is a novice to buy second-hand cars to be cast in six insurance. Dao Qiangxian takes into account the entire vehicle theft and the risk of being robbed, so that car owners have greater access to security risks. Personnel on board the vehicle liability insurance allows the personal injury compensation, although the cost of higher than the economic model, but once an accident, can significantly reduce their own losses.
Program 4: full version (the two main one additional risk insurance + N)
Insurance insurance: Vehicle damage third party liability insurance + insurance + deductible, excluding special officers liability insurance + car + insurance + broken glass separate the entire vehicle Daoqiang Xian other personal car, many of them are novice, small scratch is inevitable that a small rub , and the other, a number of luxury cars should increase the risk of breakage of glass alone, in addition, the ability of the owners of the new equipment can also increase the loss of insurance, no-fault liability insurance, zero deductible liability (zero and zero deductible Mianpei Lv Ping unique personalized products), in order to protect the car perfectly safe. Therefore, experts suggest that the owners of economic power sufficient to purchase a full auto insurance to make coverage more comprehensive.
Beware of car purchase auto insurance, instead of losing six, or even vehicle Chuxian, many policyholders are still on the circumstances of the indemnity, and should not lose confused. Here, the reporter received from the insurance company auto insurance case, for the readers auto insurance claims in the six "non-compensable."
One does not lose: No license Chuxian car.
For vehicles not on the cards Chuxian, the insurance company would be shut out a very simple reason: The insurance policy has not yet entered into force. When Chuxian vehicle insurance claims vehicle must have two conditions: First, the insurance will be diverted to the traffic administrative departments of public security issued driving permit or license plate; second is the period required to test the public security department of qualified traffic management. Thus, reminds consumers that the new car before the license must remember to protect their cars stolen and not knocked.
Is not compensable 2: No Chuxian annual inspection of vehicles.
Reporter learned from Shanghai a few insurance companies every year because the vehicle failed the annual inspection and exclusions from happening. Under an insurance contract, insurance, vehicles, only to pass the entry into force, for the annual inspection of vehicles not only as a failed vehicle, in this case, consumers are white even though the insurance on. Consumers must be on time the annual inspection, or including Chesun Xian, the three compensation insurance, etc., all will be consumers themselves.
Do not lose three: the driver does not annual review.
Auto insurance exclusions such a case, Mr. Shi Ju Sunxian insured a certain insurance company, Daoqiang Xian, the three insurance as well as excluding the insurance deductible 4. However, after a vehicle collision, Mr. Shih has received notification of the insurance company exclusions. The reason is: Because there is no annual review, Mr. Shi. According to the terms of the driver does not annual review, the opening of vehicles belonging to failed vehicles, insurance companies may reject any claims under an insurance contract.
Do not lose four: pay parking lot in Diuju, Guaceng.
Even on the vehicle insurance all risks, such as car park charges in Diuche, the insurance company will not be compensated. Because, according to the provisions of insurance companies, any vehicle charging car parks or commercial repair shop in the stolen, the insurance company not and will not be responsible for compensation. Because the above-mentioned places the responsibility of the vehicle are kept in custody due to lack of good care custodian caused by vehicle damage, lost, the custodian should be held accountable. Insurance companies do not pay compensation. Thus, both cars lost, or had been designated, and insurance companies regardless of Yi Gai. Occurrence of the above events, consumers the right way is to find parking to the claim. Therefore, the driver must pay attention to when parking revenue each time a good parking receipt.
Do not lose five: driving hit apply on.
Drove the family's situation though rare, but it does such a thing happened, this case was sensational. A few years ago, Mr. Liu to the door when you drive fast and hit his wife, Mr. Liu to the insured risk of the three grounds that require the insurer to the claim. But the insurance companies insist on refusing to accompany. Because third-party liability insurance in the third party is defined in the insurer and the insured person outside, because the insurance vehicle insurance, vehicle accident resulting to persons or property under the car suffered damage under the victim. More simply, a third party means getting rid of four kinds of people: that the insurer, the insured person, the car accident when the driver and their family members, the insured person's family members.
Is not eligible for compensation 6: the other side you do not recover the full responsibility.
There is such a case, Mr. Zhang, unfortunately, and people driving collided with a serious vehicle damage, while the crash was not the responsibility of Mr. Zhang, but the other side. Mr. Zhang is not the case of claims to each other directly to the insurance claim. The insurance company refused, that the insured person must first third-party claims, will it be possible to obtain insurance compensation. Once abandoned to a third party recovery rights, also abandoned the right to claim compensation to insurance companies. In this reminds consumers that, once the responsibility Chuxian and each other, we must go first to the other side lose, in the unsuccessful (preferably a court to enforce proof of unsuccessful) case, and then look for insurance compensation.
Car insurance insurance Misunderstanding 1: buy auto insurance, the car had any damage to the indemnity by insurance companies.
Many clients want to preserve the insurance, is to let cars for all the losses by the insurance companies lose. In fact, only insurance policies specified in the insurance responsibility, not exempt of responsibility within the terms of the loss, the insurance company was liable for other losses should be to find those responsible for the corresponding claims. For example car parking fees lost, and the car was parked downstairs upstairs falling pots smashed and so forth, should be the responsibility of finding the appropriate person for compensation from the real perpetrator.
Misunderstanding 2: damaged cars should go to a professional repair shop repairs.
Many owners think that should go after the car is damaged factory specializing in repair, but specializing in factory price is very high, insurance companies, unbearable. Specializing in factory accident car repairs in general, and almost non-professional repair shop. Insurance repair following principles: to repair the main, as far as possible to return to the status quo ante, but also to ensure that the regular use original documents or supporting the production of parts manufacturers. If the compensation increases to make ends meet point, the insurance company only to further raise the premiums, then the damage will be the majority of the insured's interests.
Misunderstanding 3: ignore the insured obligations.
Of the insured people often ignore the insurance policy in terms of the obligations of the insured, often because its not entirely the obligations, leading to the occurrence of damage. For the insured and the insured person the most important two aspects, is to inform and assurance. Example, transfer of vehicle ownership or private sale of vehicles increased the degree of risk and so on, we must truthfully report to insurance companies, and promptly apply for the marking procedures; the terms of the provisions of the obligation can not be overloaded, to ensure safe driving performance of vehicles, etc., are also insured can not be ignored.
Misunderstanding four: too much trust in an agent.
As the agent of an uneven level of quality and service, for the insured and the insurance company against the loss, the insured person should try to protect their rights, even if a little trouble, but also personally went to the insurance claim.
Misunderstanding 5: the number of insurance indemnity insurance number.
Many people believe that the event of total loss vehicle insurance, insurance companies, insurance contracts should be set out in accordance with the amount of insurance payment. This understanding is wrong. Because the insurance is another very important basic principle is the principle of compensation in the insurance being the subject of the loss of insurance coverage, the insurer to compensate for their order to make it back to the situation before the loss occurred while the insured can not be more than the loss of compensation.
VS used car new car now, the domestic insurance companies handle a lot of vehicle insurance, including the People's Insurance, Pacific Insurance, Ping An, Cheonan, China and Thailand, and the earth and so few. Experts believe that the decision to purchase the reasons for which the company's auto insurance, in addition to the size of insurance companies, product structure, service-related claims, the insured vehicles are new and used cars are also essential.
If your car is a new car, your car is relatively expensive, are you for the maintenance of relatively high quality requirements, then experts recommend choosing a large company, preferably in the 4S shop car insurance, this can be better to meet the maintenance and claims requirements.
But the big drawback is that: The same models and types of insurance, the premium is higher than the small companies, for example, are equally a 10-million new cars were one-year full-risk insurance premiums may be higher than 500 small companies, to 600. And because of the monopoly of large companies there may be some of the more unfair terms, such as the People's Insurance Company's "Chuxian amount below 500 yuan, instead of losing."
The characteristics of small firms and large companies on the contrary, in general, their payment amount than large companies, fixed the level of maintenance works not as large companies, but sometimes the quality of service is not reliable enough, but usually will be relatively low rates (book the cost is not necessarily low, but a great discount).
Therefore, if your car is a used car, your car price is not high, that you are not particularly high maintenance quality requirement, then experts recommend choosing a small company, so that cost relatively cost-effective.
