Strong understanding of cross-risk four errors Insurance Tips

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

July 1, the first law enforcement purchase insurance products liability insurance compulsory --- motor vehicle accidents (hereinafter referred to as cross-strong insurance) into effect. Majority of vehicle owners, insurance companies, and even regulatory authorities are faced with this a new problem. Even after the many pre-publicity, but the reporter found that a considerable part of the private car owners to pay after the implementation of strong risk, in the end what effect changes in the future to buy auto insurance, with car do not make clear what should be noted that there are Misunderstanding of the many. This issue, let's get another one up and find out these errors.

┿reporter Chen Dong

Do not ignore the hands of the old policy

Many owners who must pay to buy insurance already have strong understanding of, but when they should be buying is not very clear. This is also the most critical. There are the owners of a loss to understand the hands of the old policy, under what circumstances, temporarily do not have to purchase insurance to pay strong and under what circumstances are required to purchase insurance to pay strong.

Strong insurance requirement to pay a one-year buy, because in the second year, to re-purchase, the premiums will be based on the owner's driving record has been up and down over the previous year. Strong insurance pay a one-year to buy a commercial auto insurance for two years and now has a conflict of purchase. Therefore, after July 1, the new buy auto insurance will be a one-year buy.

So there is still in force the hands of the policy should be handled? To illustrate, Ms. Wang in August 2005 bought a new car was purchased two years of insurance, the insurance company to its two insurance policies, the first from August 2005 to August 2006, the second in August 2006 until August 2007. Ms. Wang the correct approach is that, for the first insurance policy you can not do anything, because we have already entered into force, belonging to the "old one-the old way." The second policy effective date is after July 1, it should be according to the new regulations. Ms. Wang should be in August 2006, the second before the effective date of the policy to the insurance company to pay strong insurance, and change the second insurance policy.

The reason why you want to change the second insurance policy, because, after July 1, insurance companies began to implement the new auto insurance rates and terms, it is necessary after the entry into force of this policy be adjusted. For consumers, with the policy as long as the original identity card and driving license to the insurance companies can be.

Do not forget to bring car insurance policy

Because it is a compulsory insurance law, so regulators will have to buy the owner to be checked. Determine the means of the present, road checks. Check what cross-strong purchased insurance owners will receive a label similar to the annual inspection by the owner then it is attached to the windshield so that the inspectors identified.

Is important that the hands of the old policy has not yet expired, but also do not need to immediately purchase insurance to pay the owners of how strong checking. For these owners, primarily checking the timeliness of the old policy, inspection mainly depends on the original policy. Many owners believe that to bring the insurance card is sufficient to meet the inspection wrong.

Ms. Wang is also the most reasonable approach is that, in the first year of the policy prior to the expiry, driving down the road to be with the original policy. Strong buy insurance to pay until after the label on the hook.

Reporter suggested, do not have chances, first of all, obviously the old policy did not expire, just because people have not brought insurance policy in case has been found, and ultimately ran up the costly mistakes. Second, the old policy expired, but not to buy insurance to pay strong will face heavier penalties.

Strong investment and insurance alone is not enough to pay

Strong risk is actually paid by law are required to purchase the three responsible for insurance. Before the owner know that if you do not buy commercial insurance is responsible for three pass vehicle inspection. And later, by the strong insurance pay to replace. Strong cross-current price is the risk of a 1050 yuan to protect the 60,000 yuan. Driving seasoned owners think that they have good driving skills will not be out of things. Have been responsible for purchase of commercial insurance is forced to 3. In the future, as long as the purchase of cross-strong insurance on it. However, some owners were mistakenly believe that cross-strong purchased insurance, we do not need to buy a business risk of the three responsibilities.

In fact, from the protection rated for only 60,000 yuan to pay strong insurance protection, insurance data from the current point of view, the vast majority of owners have chosen the sum insured is 200,000 yuan, or even 50 million, three responsible for commercial insurance. Therefore, only strong cross-protection insurance is not able to meet the owner of the security requirements.

It is understood that traffic fatalities in Suzhou compensation standards are basically 28 million. Therefore, the insurance company proposes that the best combination of insurance, purchased insurance to pay strong, it should be 200 thousand yuan to buy a three-duty commercial insurance amount of risk. Should be pointed out that, in terms of costs, commercial insurance has been responsible for three price cuts, but with 1050 yuan cross-strong insurance, car owners a lot of the burden will be heavier.

Strong insurance coverage to pay no trouble

Many owners believe that the strong insurance to pay after the implementation of one another, more acute trouble. As insurance companies already do a good job of the service work, easy and convenient as possible to give car owners to purchase insurance to pay strong.

For example, China Ping An Property and Casualty Insurance has announced that with effect from July 1, Ping An Property & Casualty will rely on an advanced IT platform for auto insurance, start six insurance channels for our customers really enjoy the "strong risk insurance to pay, safe with your deeds," easy and convenient.

From July 1, 2006 onwards, through the services of Ping An of China outlets, sales force, PA18 sites, 95512 customer service hotline, co-branded 4S garages and six channels of banks, insurance co-pay insurance strong. Professional purchase auto insurance consultants will provide guidance and to send a single door; cooperate with China's Ping An 4S dealers more than 1,400 outlets and across the country in banks such as Agricultural Bank of China outlets will also provide strong risk insurance to pay out a single-site fee-based services, so that clients can really blossoms safe choice, easy to provide protection for the car.