Insurance car insurance should pay attention to the issue Insurance Tips

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

Friends, when you insure car insurance, you know that attention should be paid for?

First, the Mo duplicate insurance. Is that the multi-cast several self-insured insurance, you can make more than the insured vehicle several awards, such as a person has for their car insurance company in the two cast Paul, fantasy, when the time to get double compensation insurance company. Qi-I do not know under "Insurance Law" 40th Article: duplicate insurance coverage totaling more than the insurance value, the insurer the sum of the amount of compensation shall not exceed the insured value. Therefore, even if repeated insurance policyholders, it will not be super-value compensation.

Second, Mo over-insured or not insured in full. If a driver of a vehicle worth 10 million yuan, but the insurance coverage of 15 million that will be able to spend more over paid; while some cars worth 200,000 yuan; was insured for 10 million, which was two kinds of insurance can not be be effectively protected. Based on "Insurance Law" 39th reads: insurance amount shall not exceed the insured value, more than the insurance value, the excess part of the void. The insurance amount less than the insured value, unless otherwise agreed by the contract, the insurer and the insured value of the insurance amount in accordance with the ratio of liability. Therefore, over-insured, not insured in full and have no access to additional benefits.

Third, Mo insurance will not save. Some people save a little money, has always been a few small security risk, or just Paul Che Sunxian not protect third-party liability insurance; or only the main protection insurance, additional insurance is not insurance and so on. In fact, each have their own insurance, liability insurance, if the true vehicle accident, the insurance company can only be made based on the original commitment to the insurance liability insurance contracts for payment, while some of the other owners may not receive compensation for the loss.

Fourth, pay attention to timely renewal. Some owners can not be promptly after the expiration of the insurance contract renewal, and believe that it does not matter dragged on for two days. I wonder if these drivers have not thought about, such as the really bad case of flying come, is it too late event. Such as a city, a self-insurance after the expiration of the driver, failed to timely renewal effort, but this time out of a car accident, resulting in one death and two were injured, with direct economic losses of 10 million yuan. Insurance companies do to help. The driver regrets.

Fifth, carefully review the insurance documents. Since April 1 this year, the China Insurance Regulatory Commission to use a unified national unified supervision of insurance documents, the existing gaps in the insurance companies of similar documents produced since May 1 this year, since discontinued. When you receive insurance documents, we must carefully check to see whether the document is the third in conjunction with a white carbonless paper printing and security printing the light brown shading, which is printed on the upper left corner, "the China Insurance Regulatory The Committee produced "character, the upper right corner is printed" is limited to xx provinces (municipalities and autonomous regions) Sales "character, if not to resist; never signing.

Sixth, pay attention to the authenticity of auditing agent. When you are insured when the insurance company approved by the state to choose their respective institution insured, and not just the easy way to find an insurance agent easily insured, but can not be the so-called "high return" of the lure, but only to a small gain but on the "pseudo-agent "'s trap.

Seventh, pay attention to Mo students "cheating lose" tricks. A handful of people, always want to make a fortune as a shortcut to the insurance and, if after the first Chuxian insurance, and some man-made accidents Chuxian, some counterfeit, alter, add a car repair, medical invoices and proved that these all belong to cheat lose scope, is in breach of the law. In the general drivers warned a friend, do not Shuaxiao "smart," end of the day down a Jifeidanda regret too late.