Auto insurance tips insurance before the election than the terms of the sum insured under the purch

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

Drivers in traffic accidents have no obligation to compensation "," People's Insurance Company auto insurance deductible under 500 yuan, "the near future, these two news vehicles in the domestic insurance market set off a storm. How to spend the least money for the protection of the most comprehensive auto insurance has become car owners are most concerned about.

Of large companies insurance claims quickly

Purchase of vehicle insurance, we must first choose the right insurance company, it is best to consider a large scale and strength of the company. Largest insurance network is complete, especially when the insured vehicle in the field Chuxian, the big companies either took the survey commissioned by off-site locations can also be set through the remote information loss, due to reduced on-site survey of waiting time, resulting in faster settlement of claims.

In contrast, the small insurance business outlets little weak, its business mainly through car dealers, and insurance brokerage, although the pricing policy may be lower, or even to discount, but the claims are slow. In addition, the small company for compensation may be relatively harsh conditions, such as the need to repair damaged vehicles, some small companies will be Chinese-made parts instead of imported parts; If a vehicle in the parking lot of the non-fixed or stolen when left unattended, some small companies may refuse to compensate. Therefore, consumers should not yield to the temptation of small cheap and face a significant loss.

Choice of auto insurance insurance

At present, there are hundreds of kinds of vehicle insurance, although some insurance name of the similar, but the terms of the content, insurance vary widely, the insured before the insurance companies would be better to compare the terms, select a Which of the company's policy terms the most favorable coverage then.

Owners to purchase insurance, we must first insure Chesun Xian, third party liability insurance and vehicle liability insurance staff the three basic insurance. For regular Paozhang Tu, there is no fixed garage or the living quarters of the owners of poor security environment, the greater the risk of vehicle theft, but also to buy Daoqiang Xian, scratches insurance. In addition, in response to "Road Traffic Safety Law" car "no responsibility for compensation," the new provisions, it is best to increase the premium no-fault liability insurance and is not counted deductible insurance, so regardless of whether owners have the responsibility in the accident, have access to full compensation for .

The sum insured should be chosen appropriately

Determine the level of the sum insured the amount of premiums, choose the appropriate amount of insurance is important. Some car owners to purchase Che Sunxian the amount of insurance when you select a high, thinking that the event of an accident, can get more compensation, but in fact doing so not worth the candle. Because the terms of China's auto insurance, when the insurance total loss vehicle, the owner can only get the real value of the equivalent of Chuxian The vehicle compensation. For example, one station has been used six-year cars,新车购置�0,000 yuan, insurance companies calculate depreciation price of 45,000 yuan. If insured by新车购置价premium payable upon the 4080 yuan, while the depreciated value of vehicles insured, only to pay 1380. Difference in premiums many, but the entire vehicle damage occurs when the compensation is the same. For those who want access to high paid the owner of the used car, buy insurance, the agent must not be credulous verbal commitment, you must sign a special agreement with the insurance company, and indicate in the policy, "total loss vehicles, the insured amount paid as agreed," the words.

In view of May 1 after the personal injury accident compensation standards to improve vehicle owners to purchase third party liability insurance, it is best to ensure rated at 20 million, insured amount is too low, if any major incidents inadequate; the insured amount is too high more uneconomical to pay the premium. As Daoqiang Xian, spontaneous combustion insurance, broken glass, insurance and other additional insurance premiums, then the value of the vehicle are generally determined by.

Auto insurance claims skillful

Days of unpredictable things can happen, people have good and bad fortune overnight. Car accident is inevitable, but experts suggest that, if it is a small incident a few hundred dollars, preferably with their own pocket. Because under the provisions of insurance, vehicle insurance claim-free year after the record, next year's renewal premium may be preferential. For instance, some companies every year discount 10% discount rate up to 50%; However, if the previous year to have more illegal and claims, payment records according to annual renewal premium surcharge for each 10%, followed by increments up to 200%. Claims too many times, some companies may refuse to renew coverage.