Category: Insurance tips Release Date: 2006-08-01
"I drove 20 years, but the more Sheung more intense in recent years. Road is wide of the right than in the past, but the cars do not know more than before, many times. Many of which were private cars, driving both novice, to take a driver's license on the road, looking for trouble on the insurance companies. But some Shier, insurance companies can not be resolvedå‘€. "a taxi driver complained to reporters.
The insurance industry told the reporter that some people think that buying an insurance policy on the fail-safe, and what happened to all insurers "will bear" In fact, this is their understanding of the existence of errors in auto insurance. A lot of time out of a traffic accident, the insurance company will not compensate, so for the driver, the safe driving has been the most important.
Mistakes
Insurance veteran novice to open
The face of the driver's insurance company to offer outstanding, Mr. Lee had some of echocardiography. If the insured's own name to his superb driving skills, pay less 10% of the premium car for the daughter had just graduated driving school to open, what relationship?
In fact, in accordance with the provisions of insurance companies, the public insurance because of a designated driver to enjoy excellent preferential rates, if the Chuxian is an excellent driver, the insurance company will be paid in full. However, if Chuxian the designated driver when the car is not the insurance company should adopt the "proportional payment," such as Mr. Lee case, Lee's daughter, drove out of an accident, we only get 90% of compensation.
Mistakes
Illegal crashes can also lose
"Beijing said over the weekend to drive to play with it, the driver master classes Zhang temporary problems, it went not in!" Komago said. "Otherwise, I drove everyone go?" Colleagues Xiao Zhang volunteered. "You learn a small goods, let's go to so many people, you have to open some big, are you all right?" "No problem, hit by a car insurance company to find chanting!"
If Sally is really driving a big hit off the car, the insurance company can not be him incorrigible. Because, according to the terms of the provisions of auto insurance, driving vehicles and driver's license type does not match the prospective driver, the insurance company is not responsible for compensation. In addition, some insurance companies also provide that if the driver has no driving license, insurance companies refused to compensate.
Mistakes
Big and small can lose
"I'm insured! This time rest assured, I am hit by Mercedes-Benz, BMW hit by the afternoon! Hit a word --- End of 'waiting for insurance bar!'" Xiao Huang pairs of colleagues.
While the unexpected crash, the insurance company will pay compensation, but it also has a maximum limit of compensation. Third party liability insurance coverage, many people have chosen a 5 million of the insurance amount, If it is really hit by a Mercedes-Benz or BMW, I am afraid these 5 million in compensation for just "drop in the bucket." And insurance companies also provides that if the crashes are because of the driver's intentional act, the insurance company claims not.
Mistakes
Insured does not affect the next year
"This year the first year of the road, hit two cars, the insurance company gave costing him. Next year I would become an old hand, but also enjoy the preferential premium." So taken for granted that Mr. Ma.
Indeed, insurance companies give "old hand" certain concessions, but this offer is only for those who do not the previous year Chuxian people. If the insured members of the public after the frequent claims, and then only when the insured "enjoy" the envy of the prices. In Suzhou, "killer road" information has also been credited to the "high-risk customers information platform." Each insurance company on a regular basis will be made available to the list of vehicles Chuxian insurance industry associations, industry associations summarized by the following sent to the insurance companies. After the re-insurance, when these vehicles and, if "bad record", will be canceled "no deductible preferential treatment."
Mistakes
Can still drink driving
Mr. Liu is a company public relations manager, please customers is unusual for him to eat. Eat can not help but drink, drinking wine had to drive himself home. Liu this very helpless, but also feel that "no problem": "I have insurance, and insurance companies out there Shier it."
Most insurance companies provide that the driver drinking, drug use, has been drugged driving after an accident is not compensable. Even if some insurance companies introduced the "drunk driving insurance," also stipulates that the limits of liability for each incident of loss of 250,000 yuan each for compensation were both 30% of the absolute Mianpei Lv. According to the relevant law, drunk-driving perpetrators must assume their responsibilities.
Mistakes
Be compensable indirect losses
"My car crashed out, in order to repair two days did not go to work. The loss of insurance companies can also lose, right?" She had got asked the insurance company staff.
It is understood that some insurance requirements, insurance, vehicle accidents, resulting in closure of the insured person, suspended, electricity, running water and gas stop, stop, interrupt communications and other types of indirect losses, insurance companies are not responsible for compensation.
So, remember the insured can not be paid Chuxian auto insurance as a "treasure chest."
