Auto Insurance Knowledge Insurance Tips

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

If you are new to auto insurance, you want to - to understand the basic auto insurance knowledge?
If you have purchased auto insurance, you want to - to learn more about auto insurance knowledge?
The following are frequently asked questions, not only will not be answered, as well as experts in the special tips, please note that you will definitely helpful!

One, why buy insurance for the vehicle?
As the complexity of road traffic conditions, traffic speed, or affected by natural disasters, vehicle accidents can easily happen, resulting in vehicle damage, property damage or casualties. According to statistics, in 1999 the National Public Security Traffic Management department received 413,000 road accidents, resulting in 84000 deaths (an average of one in every six minutes in a car accident which killed), 28.6 million people were injured and direct economic losses of 2.12 billion yuan, really a car accident put the idea! Despite the warning safe driving everywhere, but the occurrence of the accident can not be completely avoided, to bring the perpetrators and victims of personal injury and property damage. To protect the interests of the injured party in a car accident (in particular, to protect third parties, the injured will receive medical treatment), at present the vast majority of local governments to third-party liability insurance as a compulsory insurance of motor vehicles insurance. The insurance is not insured, the vehicle can not be on the licensing and annual inspection. For the vehicle owners and users, if your car insured for your vehicle insurance coverage is available in the later Chuxian within the responsibility of compensation, to avoid a car accident caused huge economic losses.

2, who can purchase insurance for the vehicle?
Vehicle owners, contractors, storage, users and other interested persons that the vehicle can be an insurance policy.

3, what is the insured, insurers, third party?
Generally refers to the insured by the insurance contract to protect the owner of the car, which is driving the registered owner of the certificate.
The insurer is the insurance companies, car insurance, that is, the right to operate motor car insurance.
Insurance contracts, the insurer is the first party, also called the first persons; the insured person or virulence are the second party; In addition to the insurer and the insured person outside the vehicle due to accident insurance, suffered personal injury or property damage The victim is the third person, or a third party.

4, whether the insured and the insured must be consistent? If not have any effect?
The insured is to contract with insurance companies, bear the obligation to pay insurance premiums units or individuals, that is, and pay the premium for insurance people.
If the owners for their own car insurance, then the insured and the insured person is the same; if other people who do not own a vehicle insured, then the insured and the insured person is inconsistent. Both cases are insurance companies allowed.
Inconsistent with the insured and the insured person will have two effects: on the one hand, the insured person the obligation to live up to pay insurance premiums, the obligation undertaken by the insured, or who is who is to pay insurance premiums; the other hand, the vehicle took place some losses, the insurance claim by the policyholder. Occurs when the total loss of vehicles (such as the vehicles were looted, abandoned vehicles, collisions, etc.), must be insured to the insurance company claims, policyholders do not have this right. The insured and the insured person in the same circumstances, there is no distinction between these two aspects.

5, what is新车购置�insurance amount?
新车购置价refers to the insurance contracts entered into to purchase a new car the same type of insurance of vehicles (including vehicle purchase surcharge) price, which is determined at the time the insured amount of insurance basis.
Insurance amount is the insurance policy specified in the subject of the actual insured amount of the insurance, but also the obligation to pay compensation insurance ceiling.

6, how to distinguish between commercial vehicles and non-commercial vehicles?
Commercial vehicle is involved in social and charge freight transport vehicles in order to complete the transfer or transportation of commercial vehicles for the purpose of commercial vehicles also belong to.
Non-commercial vehicle is at all levels of party and government organs, social organizations, enterprises and institutions own a vehicle or simply for personal or family life vehicles.

7, What is insurance bills, insurance policies, insurance cards, and the endorsements?
Insurance alone application for insurance policyholders a written certificate. One is usually provided by insurance companies insured by the insured to fill in and take effect after the signature or seal, insurance companies, according to insurance policyholders filled out the contents of a single insurance policy issued by the original.
, Also known as the original insurance policy, insurance companies and the insured entered into a written proof of insurance contracts. Insurance policies issued by insurance companies, primarily insurance companies and the insured person set out in between the rights and obligations, it is insured to the insurance companies claim certificate.
Insurance card is issued to policy holders by insurance companies, and record the original insurance policies in the main content for the policy holders to carry a card or a simple certificate.
Endorsement is to change the content of insurance contracts, the insurance company issued to the insured person's supplementary written evidence, and the policy has the same binding contract.

8, why used cars only by新车购置价loss of insurance when the insured vehicle, the vehicle loss of insurance part of the loss occurred before the actual repair costs in accordance with the compensation?
Because both the new car or used car, the repairs should be replaced with new parts, namely, new and used cars, after the cost of repairing the damaged is the same. If the body according to the actual value of the insured loss of insurance, the premium was less than used car new car, this new car users is not fair.

9, the vehicle can repeat the insured?
Duplicate insurance is defined as one with the same car insurance, respectively, two, or two or more insurance companies. Repeat the insurance will only receive a compensation. "Insurance Law" 40th reads: double insurance, each insurance company shall not exceed the total amount of compensation新车购置� So, do not insure the same car more than the same car insurance. Otherwise, some of the premium is white flowers, is not without any compensation.

10, whether the vehicle can be over-insured?
Excess insurance is the insurance amount is higher than新车购置�but over-insured and can not be over-compensation. Because the insurance law, insurance amount shall not exceed新车购置价over新车购置�more than part of the void.

11, what is not in full insured? What are the consequences?
Is not full coverage insurance contract refers to the amount of insurance less than新车购置�the consequence of the loss of vehicle insurance part of the loss occurred, the insurance company in accordance with the ratio of the insurance amount新车购置价liability, that is, the proportion of payment, insurance company is not in accordance with full compensation for actual loss, but the actual loss multiplied by the amount of insurance in accordance with the ratio of新车购置价compensation.

12, Why is there less than a car accident compensation insurance company actually paid the costs of an accident?
The reasons for this situation has the following main areas:
â•¿accident loss by insurance, both sides confirmed, should also be under insurance vehicle drivers are responsible in the accident, according to Mian Peishuai deduct a certain amount: Negative full responsibility for the accident as well as the unilateral accident scene to deduct the amount of compensation to 20%; bear the main responsibility for the accident to deduct the amount of compensation of 15%; bear equal responsibility for the accident to deduct the amount of compensation 10%; bear secondary responsibility for the accident to deduct the amount of compensation of 5%.
â•¿insurance, vehicle insurance, accident occurred, its parking fees, custodial fees, buckle and all kinds of fine fare, the insurer shall not be responsible.
╿Ju Sunxian is not full coverage. In some losses, insurance companies, according to the actual loss is multiplied by the ratio of insurance amount新车购置价of calculating compensation, the difference will be the insured themselves.
â•¿the amount of actual damages greater than the amount of insurance or compensation limit. Exceed the insurance limits the amount of losses or compensation insurance is not compensable.
â•¿beyond "approach to road traffic accidents," the scope of compensation under the project, standard costs.
â•¿insurance, vehicle accidents, resulting in the insured person or a third suspension of business, suspended, electricity, running water and gas stop, stop, interrupt communications and other types of indirect losses;
â•¿the terms set forth in other areas of responsibility does not belong to the insurance losses.
Because of these conditions exist, so will appear less than a car accident compensation insurance company actually paid the costs of the accident. As the insured person, in order to reduce the amount of accident conceited, you can take the following measures:
â•¿insurance deductible, excluding special risk.
╿Press新车购置价insured Jusun Xian.
â•¿choice of the insured a higher sum insured or quotas.
â•¿accident processing, third party requirements beyond "approach to road traffic accidents," the scope of compensation under the project, the standard cost as much as possible to reduce or not pay.

12, What is NCD? NCD need to have access to what conditions?
In order to encourage the insured person and his drivers to strictly comply with traffic regulations, safe driving, insurance NCD approach to practice. Insurance, vehicle insurance period in the previous year without compensation, they can enjoy a non-renewal compensation insurance premiums reduced preferential treatment, preferential treatment the amount due for this year's renewal insurance premiums by 10%.
To obtain preferential treatment conditions: one, the insurance period must be at least one year; 2, the insurance period of time without compensation; 3, insurance, apply for renewal before the expiry.