Purchase of vehicle insurance rules to follow Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Some time ago in a news attracted attention, in the typhoon, "Dragon King" of the attack, the Fuzhou and other cities suffered from the floods once in many years. So far, statistics, Fujian, insurance has been received and the "Dragon King" The 7034 report of the flooded motor vehicles, the affected insurance companies 813. Analysts believe that in order to become car owners to purchase insurance to nine projections, coupled with the flooded vehicle without insurance, this is probably Fuzhou, there are nearly 8,000 vehicles flooded. The face of natural disasters, flooded car owners while sympathetic, is not the focus of our current concerns. Is not a small amount of damage to vehicle owners paid to the insurer when the trouble even been refused payment, is our concern. How to wisely choose insurance based on insurance policy to protect their insured interests, owners had to study this subject carefully. To this end, the reporter interviewed a special auto insurance experts, to solve problems for the owners friends.

Mo contempt Insurance Service

For car owners, insurance companies can not find is no need to worry about. From the car, when you have already become popular targets for various types of insurance companies, do not you go they will take the initiative to contact her door. But as is often the same as listening to car faithful nag, although the insurance companies will often talked about his strength, and at preferential prices to win over owners, but it may to a need for insurance claims when it found that the small difference between the insured amount and the phase ratio, after-sales service of insurance companies vary widely.

Many owners complain that some very simple and very common item of claim to the insurance company there, this has become a payment outside the scope of the project; the same items of claim, the insured the same terms in different claims for different insurance companies will get the result. So, when buying insurance, vehicle owners must have cars and their own relatives and friends to find out more, choose the regular, and word of mouth are good insurance companies and insurance agents of an agent qualified to buy vehicle insurance.

Purchase of insurance to practice

In general, participants should first choice of vehicles for vehicle insurance loss insurance, third party liability insurance, insurance premiums, excluding these three types of insurance deductible; followed by my use of vehicles and the economic strength of the entire vehicle Daoqiang Xian choose the car officers liability insurance and help the special insurance and other additional insurance coverage. In a clear its own risk characteristics, consumers can be a different insurance options.

To private cars, for example, the family personal use of the new car, the car relatively high rates of novice Sheung Chuxian, easy to scratch, and the probability of vehicle loss of large, so the best choice for the vehicle insured loss insurance, third party liability insurance, Daoqiang Xian, and excluding special insurance deductible. If there is no fixed stopping places, the best and then vote Daoqiang Xian. For insurance options, if you frequently Paozhang Tu, or frequently away from the seat area, the proposed options are more outlets, and are a nationwide implementation of the "remote Chuxian, local claims," the company network, so that insurance claims are very convenient.

Third insurance, insurance for loss of equipment worth investing in

Purchase 5 million in the past, third-party insurance may be adequate, but the new "Road Traffic Safety Law" was implemented after the motor vehicle drivers in the traffic accident responsibility has increased significantly, while the amount of compensation is also unprecedented. Shanghai's driver had a driver's motor vehicle and illegal pedestrian crossing the road collision which led to death, by the courts are required to compensate families of the deceased for more than 40 million yuan. Under such circumstances, even though third-party insurance prices have been rising, but the focus in this area into the purchase of a higher amount of third-party insurance will be able to reduce the risk of potential in this regard.

In addition, the new equipment is also easy to ignore the risk of loss of insurance. Many friends like converted his own car, but a lot of money invested in general. Surrounded by such a big car, new skylights, crash barriers, reversing radar, and so on, easily a few thousand or even million, and generally a higher probability of belonging to interior damage, loss of insurance can take advantage of new equipment for these modifications parts separately insured.

Tips

How to prevent flood damage and reduce the loss of vehicles

If the car owners when they stop to have a certain degree of predictability, I believe that 8000 car was a bad blisters that figure will also be greatly reduced, especially in the weather has been accurately forecast the typhoon's landing place and time, vehicle owners should make timely vehicle parked on the higher ground, and even bricks, sacks and other goods vehicles overhead. At this point we must guard against the car park at the low-lying poor drainage, or underground car park office, or car most likely being drowned disasters.

In addition, while the Che Sunxian flooding incidents have been included, but the owners of some of the improper operation could still become part of the deductible or the insurance company refused insurance coverage reasons. For example, the majority of car owners driving in the rain After the flame, there are obvious signs of forced to start, and even some vehicles to re-start points have emerged after the case opened up spark situation. According to vehicle insurance regulations, insurers can all of these injury exemption. Thus, we encounter a major traffic area of stagnant water, we should not trust to luck to insist forcing their way, but should be linked neutral gear after bypass or turn off its launch with the human water area, or else lead to the exhaust pipe inlet, engine air filter, spark plug water and other serious problems, you may need to pay the.