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Data:2009-12-12 2:34
Three new here refers to: the new owners, new car and the new modified car. With the auto market's getting hot, quasi-owners and the modified car market growing more and more hot, these three aspects of the "new situation" more and more. After reporters found that, for these three aspects of the "new circumstances", it is the owner and the insurance claim occurs when the biggest areas of disagreement. So, faced with these three "new situation" a friend of the owner should pay attention to more auto insurance related matters. Special reporter interviewed the owner of these experiences of friends and insurance companies, relevant staff, let us listen to their experiences and recommendations of the bar!
New owner
Here refers to the new owner is just to get a driver's license or a new owner has just begun Sheung. These people share a common characteristic - the more unfamiliar with driving skills. Thus, when the owners choose to buy vehicle insurance should be based on their own financial situation, determine their own insurance programs, select the cost-effective insurance coverage, so that self-insured insurance auto insurance to achieve "to spend the least money, get the most favorable protection."
Owners of their own experiences:
Owners: PINK Model: Tiida
My Tiida car is in the "4S" shop on the insurance, maybe they are partners bar (they recommended). They said that if my car problems, "4S" shop where it was responsible for all things, I can speak little more heart. I am on the third party liability insurance (heard that it is necessary to buy) and vehicle damage insurance (usually the owner to buy) Total 4 328 yuan. My vehicle insurance is not understood, but I think Che Sunxian that a little bit expensive, alone on the 3006 yuan, also excluding the deductible must spend 1 more than 000 yuan to buy, quite unreasonable. The proposed new owner for safety or in the car the first year of as much as possible to buy some insurance, are not afraid of 10000, I'm afraid in case!
Experts suggest: (China Pacific Insurance Company Customer Service Department, the vehicle will be loss of a damage center members)
Following options for the new owner of the proposed insurance portfolio: the loss of vehicles third party liability insurance + insurance + deductible, excluding special liability insurance + car insurance + Dao Qiangxian so the entire vehicle. Among them, loss of vehicle insurance, third party liability insurance, the whole car Daoqiang Xian and the vehicle liability insurance is that many experts suggest that the four new cars to be insured, insurance, excluding the deductible plus the best special risk because they are novice, small scraping a small rub is inevitable.
Benefits: The experts suggest that the four new cars to be insured, excluding insurance, adding the special deductible insurance to protect the more comprehensive. For the average company or individual, the insured value of a big insurance is still value for money.
Disadvantages: vehicle liability insurance or non-deductible insurance and special risk insurance rates for two are also not low, though, when Chuxian save a lot of money, but the price is not low.
Car
The new owner has just car accidents are prone to high-risk groups, it is best able to third-party liability insurance coverage to 20 million or 500 thousand yuan insured, so even if the careless accident, the insurance can provide medical costs The claims security, economic losses would be reduced.
Owners of their own experiences:
Owner: Egypt Ke fish models: Jetta, Swift
1998 Jetta flowers to buy 5 more than 000 yuan to buy insurance, and the following year dropped to 3 000 yuan, a year after the 1000 yuan, seven years, I have never been to the insurance company a phone call, I only know that every summer, and quick vehicle inspection When there is a 40-year-old women will call around to meet me, have paid their dues to pay the primary insurance policy. I probably until about 2003, sad to comprehend: The original first year I fill in sheet gold and high investment in the body paintwork is purely an "idiot" behavior. Also, I still remember his selfless dedication whom seven years of very name of the insurance company who is named.
Learn his lesson, in June 2005, Swift dealer said to me, "We can help you with insurance, organized," I said, "Well, what is the cheapest insurance money?" Dealer A "800 diversity", I am pleased to say "800! deal!" 7 years, I finally weak from a security conscious people to grow into a great fear of trouble-makers.
Experts suggest:
If you are a new owner + car, we recommend you choose the combination of the following types of insurance: Vehicle damage third party liability insurance + insurance + deductible, excluding special liability insurance + car + insurance + Dao Qiangxian the entire vehicle no-fault liability insurance + separate broken glass insurance and so on.
Benefits: Almost all the accidents and car-related losses could be compensated insured persons do not have insurance and a small one be deprived of some compensation insurance.
Drawback: the preservation of the high insurance premiums, and may in some insurance Chuxian chance is very small. However, the premise is not there a咱do - money.
The new modified car
With the movie "Initial D" for not aggressively, some drivers often modified cars began to produce a strong interest in preparing for their own car to conduct a pure and simple modification. However, before you enjoy your converted vehicle brings the excitement and passion, we must also note that change is not only a degree of private car private, After he must promptly notify the insurance company, an additional new equipment insurance.
Owners of their own experiences:
Owners: Mr. Wang Model: Palio
Mr. Wang to make their performance closer to the Palio race, not only to reduce the car's chassis, the original tires have been replaced as a "stout type". Sheung a few days, Mr. Wang discovered that the front wheel friction from time to time with the body has encountered a little bit of slope in the road car chassis will happen Guaceng. The most serious was a drag at the end, will drag oil pan leak, and engine oil in a small case of long-term operation, resulting in pull-cylinder, but the insurance companies refuse to claims.
Experts suggest:
Once modified, the first in terms of security compliance to the passing of annual review. Second, we must promptly notify the insurance company to make auto insurance contracts remain in force. It is understood that the terms of insurance companies auto insurance generally provides that: "In the life insurance contract, insurance and vehicle modifications or increase the legal risk, the insured person shall notify the insurer in advance and in writing within 10 days of marking procedures apply." From the This can be seen, if the reason for conversion cause of the accident, and no prior notice to insurance companies, insurance companies have the right to exclusions. In addition, the vehicle when the new equipment, but also insure a timely manner, "the new equipment will risk" (such as adding a valuable bumper and reproducing equipment, etc.), otherwise Chuxian, only the original vehicles and ancillary equipment to obtain compensation, can not be to obtain new equipment losses.
