First, do not repeat the insurance
Some policyholders think that by taking out a few more insurance policies, they can make a few more compensations for the insured vehicle. In accordance with the provisions of Article 40 of the Insurance Law: "The total amount of compensation for each insurer of duplicate insurance vehicles shall not exceed the insurance value." Therefore, even if the insured person repeats the insurance, he will not get the excess value compensation.
Second, do not over-insure or under-insure
Some car owners, obviously the vehicle value of 100,000 yuan, but insured 150,000 yuan of insurance, that more money can be more payouts. And some cars worth 200,000 yuan, but insured 100,000 yuan. Neither of these two kinds of insurance policies can be effectively covered. According to Article 39 of the Insurance Law, "The amount of insurance shall not exceed the value of the insurance, and if it exceeds the value of the insurance, the excess shall be invalid. If the insurance amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall bear the compensation liability according to the ratio of the insurance amount to the insured value." So neither over-insurance nor under-insurance can gain additional benefits.
Three, the insurance should be full
Some car owners in order to save premiums, want to insure a few kinds of insurance, or only insure the car damage insurance, not the third party liability insurance, or only insure the main insurance, do not insure the additional insurance and so on. In fact, each type of insurance has its own insurance responsibility, if the vehicle really accident, the insurance company can only be based on the original insurance contract to assume the responsibility of insurance to pay, and the owner of some other losses may not be compensated.
Fourth, timely renewal
Some car owners in the expiration of the insurance contract can not be renewed in a timely manner, but the sky is the limit, in case the vehicle accident in the past few days, it is not too late to regret.
Fifth, to carefully review the insurance policy
When you receive the insurance policy, be sure to check carefully to see if the third link of the bill is printed on white carbonless carbon paper and printed light brown anti-counterfeiting backing, the upper left corner of the print "China Insurance Regulatory Commission Supervision and Administration of the word", the upper right corner of the print "limited to xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx". The first is that it is not possible to get a copy of the booklet, but it is possible to get a copy of the booklet, and it is possible to get a copy of the booklet.
Sixth, pay attention to the audit agent authenticity
insurance to choose the state-approved insurance company belongs to the agency, rather than just want to save trouble to find a random insurance agency, and can not be the so-called "high return" lured, only to seek a small profit on the fake agent when.
Seven, check the policy
After the insurance procedures to get the original policy, to check the policy listed items such as license plate number, engine number, etc., if there is a mistake or omission, we must immediately put forward corrections.
Eighth, carry the insurance card
The insurance card should be carried with the car, if an accident occurs, to immediately notify the insurance company and report to the traffic management department.
IX. Renew your insurance in advance
Remember the insurance deadline and renew your insurance in advance.
Tenth, pay attention to Mo Sheng "fraudulent claims" trick
A very small number of people, always want to take the insurance as a shortcut to wealth, such as first after the insurance, some artificially create insurance accidents, there are forged, altered, add repair, medical invoices and certificates, which are within the scope of fraudulent claims, is a violation of the law. These are all fraudulent claims and violate the law. Therefore, the owners of these issues, do not play small "smart".
Eleven, the car insurance on the definition of third party
The insurance company's exclusion of liability in such a provision "the insured or their allowed drivers and their family members of personal injury or death, and their all or custody of the property loss",
car accident driver and his family members, the insured's family members, and the insured's family members. and their family members, and members of the insured's family are not counted as third parties.
What does it mean to buy third party insurance for a car?
It's called third party insurance.
If there is an accident, you are responsible for, third party insurance is used to pay for the car or person you hit or bridge piers, poles and other facilities.
For example, you rear-end someone else, the other side of the repair costs occupied is the three party insurance. Recommended on 500,000, not much more expensive. If you are you hit by a Jetta, Charley, naturally no problem, but if you hit a Ferrari, Rolls-Royce ...... You will regret that their three-person insurance is not more on the point.
What does third party car insurance mean
It is the third party commercial insurance, the accident compensation for the other vehicle damage and casualties of the insurance
Buy car insurance, the policy said the third party liability insurance is what it means? What does the third party mean?
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Third Party Liability Insurance
Third Party Liability Insurance (referred to as Third Party Liability Insurance), full name: Commercial Third Party Liability Insurance. It refers to the third party suffers from personal injury or death or direct loss of property due to an accident that occurs during the use of the insured vehicle by the qualified driver allowed by the insured, and the insurer will compensate the amount of compensation that should be paid by the insured according to the relevant provisions in the insurance contract. Meanwhile, if the insured person incurs arbitration or litigation costs as a result of the accident with the written consent of the insurer, the insurer will bear the costs. This insurance is mainly to protect the third party victims of road traffic accidents to obtain timely and effective compensation. However, the aftermath arising from the accident needs to be handled by the insured. The insurance company will compensate beyond the limit of liability, but not exceeding 30% of the limit of liability.
In the past, most of the local *** third-party liability insurance as a compulsory insurance, do not buy this insurance, the motor vehicle can not be on the license plate and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance (referred to as compulsory insurance), the third party liability insurance has become non-compulsory insurance. Because of the compulsory insurance in the third party property damage and medical expenses part of the compensation is low, you can consider buying a third party liability insurance as a compulsory insurance supplement.
What is the meaning of third-party liability insurance in car insurance
It is due to their own vehicles to the third party (car, people, property) caused by loss or injury, should be their own responsibility, and now will be passed on to the insurance company, that is, the transfer of responsibility.
How does third party liability insurance work?
The so-called third party in auto insurance is simply people and things other than the car.
This third party does not only mean people, but also includes all kinds of objects other than the car, including plants and animals. Why do you say so? Hit a person is naturally to compensate, but hit other animals, plants, facilities, equipment, as long as these things have the ownership, that has the ownership of the people or units have the right to the at-fault party to claim compensation. The insurance company will pay compensation on behalf of the at-fault party according to the size of the liability of the at-fault party and the amount of insurance he has taken out, i.e., the higher the amount of insurance, the more the insurance company is willing to pay compensation on behalf of the at-fault party. You should know that nowadays, if you kill a person, there is no compensation of 300,000 is basically impossible, so the third party from this point of view, or insured by a larger amount of good.
Car insurance "can not find the third party"
Hello, you can
What are the disadvantages of looking for car insurance third-party agent
The third party is only a sales process, but the service is not provided by its direct, once the other party ran away, the customer *** time will be very difficult. And when buying, the third party will earn an intermediate commission, resulting in the owner of the car to buy the insurance cost more
What is third-party liability insurance
It is the insured committed negligence of the responsibility borne by the insurance company (the insurer), for example, your car insured third-party liability insurance, when your car hit someone else, the responsibility is on your side, then the medical costs of the person who was hit by the insurance company, i.e., bear the cost of your third-party liability insurance, the insurance company, and the medical costs of the person who was hit by your third-party liability insurance.
What is the meaning of third party liability insurance
Simply put, third party liability insurance is a kind of insurance that the insurance company compensates the third party's property or pays for the third party's personal injuries due to the insured's negligence and negligence which causes property damage or personal injuries to the third party. Third party liability insurance is mandatory insurance, to maintain social stability. Make up for the loss of the third party, reduce the burden of the insured are of great significance.