A must for car insurance buy auto insurance small tips Insurance Tips

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

Own a car, insurance and gasoline as indispensable, but how to choose the insurance is a great trick.
Compulsory + voluntary

At present, motor vehicle insurance policy covers two basic insurance and the nine additional risks. In these 11 types of insurance, in addition to third-party liability insurance is compulsory insurance, other insurance are voluntary principle. Owners according to their own economic strength and the actual demand for insurance.

"International Finance" analysis that the car insurance according to a new car when the actual price + acquisition costs + additional expenses the sum of interior, to determine the vote in which the premium stalls. Vehicle insurance insurance in the selection, when Che Sunxian and third-party liability insurance must be on. The two owners insurance is out of accidents, and cars can be compensation for the loss of the basic guarantee. In addition, excluding deductible Daoqiang Xian, and preferably also at risk. Dao Qiangxian can guarantee that once the vehicle stolen or robbed, the owner of that loss can be compensated.

Now the terms on which insurance company's insurance has a Mianpei Shuai, vehicle owners pay the full responsibility in the accident, the insurance deductible 20%, the primary responsibility for deductible 15%, equal responsibility for deductible 10%, secondary liability deductible 5%. In order to make themselves the economic damages reduced to a minimum, the owner of the best to spend more than 100 yuan to buy one, excluding deductible insurance, so no matter how much owners to assume responsibility for the accident, the insurance company will pay the full premium to the owners.

Duplicate insurance is invalid

Some owners worry that if their car had an accident, it is necessary to bear the brunt of the economic compensation, it was in the insured would choose the high premiums. However, the rate Chuxian vehicle is actually very low, so it took a considerable part of the owner of "money wasted." Some car owners, clearly vehicles worth 10 million yuan, but the insurance coverage of 15 million that will be able to spend more over paid. However, some car worth 200,000 yuan, 100,000 yuan was insured. These two kinds of insurance can not be effectively protected.

Under the "Insurance Law" provisions of Article 40th, duplicate insurance, the insurance company the amount of compensation shall not exceed the sum of新车购置� Under the "Insurance Law" provisions of Article 39th, the insurance amount shall not exceed新车购置�more than新车购置�more than part of the void. Therefore, over-insured, not insured in full and have no access to additional benefits.

In fact, insurance companies, according to auto Chuxian only when the payment to determine the amount of actual loss. In addition, if an insurance company has full insurance, even insurance companies and then at another, it is impossible to get double the amount of compensation.

Will damage the market

Previously, if the two sides after an accident, "compounding," fragmentation, we must experience "be responsible for - setting damage - claims" in handling the process, traffic police will be done by assessing the damage to the vehicles involved in accidents given.

At present, some cities, there are still assessing damage a vehicle or insurance company as a "player" and a "referee" approach, the owner of this very unhappy situation. Now under the new traffic law and insurance law, traffic police department is no longer the designated rating agencies, vehicle owners and insurance companies can hire an independent assessment body.