What is the car insurance compulsory insurance 01 compulsory insurance what is the full name of the compulsory insurance is "motor vehicle traffic accident liability insurance", belongs to China's national legal provisions of the implementation of the mandatory insurance system, is all vehicles must be purchased a type of insurance.
02What is the use of compulsory insurance for the insured motor vehicle road traffic accidents caused by the victims (excluding the vehicle personnel and the insured) of personal injury and death, property damage, within the limit of liability to be compensated.
Commercial Insurance 01 Basic Insurance Vehicle Damage Insurance Purpose: To cover the loss of the insured vehicle due to natural disasters such as lightning strikes, windstorms, torrential rains, floods and accidents such as collisions and overturning, as well as the related rescue costs.
Cost of insurance: basic premium + new car purchase price x rate
Maximum benefit: 95% of the total amount of all compensation payable
Third Party Liability Insurance Purpose: To cover the cost of compensating the third party for the bodily injury or death of a person, or the direct destruction of property, due to an accident occurring during the use of the insured vehicle by the insured person or a person allowed to drive the insured vehicle.
Cost of insurance: $710-2797
Maximum benefit: not exceeding 30% of the liability limit
Total car theft and robbery insurance purpose: to cover the loss of the vehicle caused by theft, robbery, snatching of the whole vehicle, and the reasonable cost of repairing the vehicle damaged during the period of theft, robbery, snatching or loss of parts and accessories on the vehicle.
Cost of insurance: actual value of the vehicle x rate
Maximum benefit: 80% of the total amount of compensable loss per accident
Purpose of vehicle occupant liability insurance: In the event of an accident, the insurance company compensates for the personal safety of the person in the driver's seat and the passengers.
Cost of insurance: Limit of indemnity of this insurance x rate
Maximum benefit: 15%
02 additional insurance scratch insurance purpose: The insurance company will be responsible for compensating the insurance company according to the actual loss in the event of a separate scratch on the body surface paint of the insured vehicle which has no obvious traces of collision.
Insurance cost: generally two thousand dollars, five thousand dollars, ten thousand dollars and twenty thousand dollars four, the specific insured by the owner and the insurance company agreed.
Maximum payout: Compensation is based on the actual cost of repairs, with a 15 percent deductible on each claim.
Water-related insurance purpose: mainly to protect the vehicle in the water road driving or flooding caused by engine damage can be compensated.
Cost of insurance: Vehicle damage insurance x 5%
Maximum payment: 15% absolute deductible for each compensation
Purpose of spontaneous combustion loss insurance: responsible for compensating the loss of the vehicle itself due to the malfunctioning of the vehicle's electrical appliances, wiring, fuel supply system, and the fire of its own reasons for the transportation of goods.
Insurance cost: new car purchase price × 0.15%
Maximum benefit: 20% absolute deductible for every compensation
Deductible insurance purpose: after taking out the insurance, the car owner can not only enjoy the part of compensation that should be borne by the insurance company according to the insurance terms; but also enjoy the part of compensation that should be borne by the car owner due to his own responsibility in the accident. The amount of compensation.
Insurance cost: (vehicle damage insurance + third party liability insurance) × 20%
Maximum payment: 30%
Cargo fall liability insurance purpose: to protect the third party to suffer personal injury or death or property damage caused by the fall of the goods from the car need to bear the financial compensation.
Cost of insurance: Limit of indemnity of this insurance x rate
Maximum payment: 20% absolute deductible for each compensation
Glass breakage insurance: The insurance company is responsible for compensating the insured vehicle in case of breakage of only the windshield and the window glass (excluding the glass of the car lamps and mirrors).
Insurance cost: imported new car purchase price × 0.25%, domestic new car purchase price × 0.15%
Vehicle stopping loss insurance purpose: to compensate for the insured vehicle damage caused by the insured accident, due to stopping the loss.
Cost of insurance: agreed maximum number of days of indemnity × agreed maximum daily limit of indemnity × rate
Maximum benefit: 20%
Newly Added Equipment Loss Insurance Purpose: Responsible for indemnifying the vehicle against direct loss of newly added equipment on the vehicle as a result of collision and other accidents.
Cost of insurance: the insurance amount of this additional insurance × standard premium of car damage insurance / car damage insurance amount
Maximum benefit: 95% of the total amount of compensation for all compensable
No-fault liability insurance purpose: due to traffic accidents with non-motor vehicles and pedestrians, causing the other party's injuries, deaths and direct property damage, the insured vehicle party is not at fault and the insured has refused compensation If the insured refuses to pay compensation, the insurance company will be responsible for compensating the other party for the expenses that the insured has already paid to the other party and cannot be recovered.
Cost of insurance: determined by the share of third-party liability insurance
Maximum payment: 80% of the total amount of compensation for each accident
Special engine damage insurance: also known as the "water-related insurance", the engine damage caused by the engine water, the insurance company is responsible for compensation.
Cost of insurance: standard premium for auto insurance x 5%
Maximum payment: 20% deductible for each compensation
How to buy auto insurance is more cost-effective Auto insurance features and purchase principles Auto insurance has the characteristics of uncertainty, expanding the benefits of the insurable, no preferential treatment of compensation, and to protect the public interest.
Priority is given to the purchase of adequate third party liability insurance. The insurance amount of the third party insurance should refer to the compensation standard of the location. Purchase car damage insurance after buying sufficient car occupant insurance. Purchase third-party insurance, driver-passenger seat liability insurance, and deductible insurance for car damage insurance. Other types of insurance (theft insurance, glass, spontaneous combustion, scratch insurance) combined with their own needs to buy. Purchase the other types of insurance after purchasing the car damage insurance. How much car insurance a year in accordance with the 150,000 new car price calculation, choose the majority of car owners commonly used several programs to calculate the cost of insurance, just for your reference.
Minimum program auto insurance: compulsory insurance + third party insurance
Cost of insurance: compulsory insurance 950 yuan + third party insurance (500,000) 1,472 yuan = 2,422 yuan
Suitable for the owner: suitable for the car price is not high or a little less than the economic owners.
Basic program auto insurance: compulsory insurance + third-party insurance + damage insurance
Insurance cost: compulsory insurance 950 yuan + third-party insurance (500,000 yuan) 1472 yuan + damage insurance 2459 yuan = 4881 yuan
suitable for the owner of the car: suitable for driving age is high, skilled driving and willing to take other risks of the old driver or vehicle use rate is low.
General program auto insurance: compulsory insurance + third party insurance + car damage insurance + deductible + car theft insurance
Insurance cost: compulsory insurance 950 yuan + third party insurance (1 million) 1917 yuan + car damage insurance 2459 yuan + deductible (three + car + theft) 739.4 yuan = 6,065.4 yuan
Suitable for the owner of the car: suitable for the economic well-being of the car owner. the car owner.
The best program auto insurance: compulsory insurance + third party insurance + damage insurance + deductible + car theft insurance + seat insurance + car glass insurance
Insurance cost: compulsory insurance 950 yuan + third party insurance (1 million) 1917 yuan + damage insurance 2459 yuan + deductible (three + car damage + theft) 739.4 yuan + car glass insurance 225 yuan = 6290.4 yuan
Suitable for car owners: a wider range of protection for the rights and interests of car owners, suitable for vehicles of different grades and different driving ages.
Weekly program auto insurance: compulsory insurance + third party insurance + damage insurance + deductible + theft insurance + seat insurance + full glass insurance + new equipment damage insurance + spontaneous combustion insurance
Insurance cost: compulsory insurance 950 yuan + third party insurance (1 million) 1917 yuan + damage insurance 2459 yuan + deductible (three + car damage + theft) 739.4 yuan + full glass insurance 225 yuan + additional equipment damage insurance 200 yuan + spontaneous combustion insurance 225 yuan = 6715.4 yuan
Suitable for car owners: foolproof, suitable for new cars or new drivers, as well as some of the high risk of private cars.
What insurance to buy for different cars 01 new car first year insurance how to buy what to buy: if you are a novice, then the car bump probability is higher easy to be stolen, car damage insurance and the whole car theft insurance to buy, deductible insurance, maximum protection of the rights and interests of car owners.
How much: different models, types of insurance, the amount of coverage required is different, the first-tier cities with high consumption, bad traffic conditions, the amount of coverage is best to invest in higher, basically more than 500,000 yuan.
Purchase process: you can buy a car in the 4S store together with the insurance, you can also choose their own insurance company to insure, you can also look for insurance intermediaries.
02 Used car insurance should be how to buy what to buy: before the vehicle insurance, you must go through the car insurance transfer procedures; you should buy the vehicle traffic compulsory insurance, and other commercial insurance part can be purchased according to the relevant circumstances.
How much: generally about 100,000 yuan of family cars, a year of premiums in about 1,000 yuan.
Purchase process: can be in the original owner of the car to the insured insurance company business hall, you can also choose other insurance companies.
How to buy auto insurance 01 car insurance insurance there are several ways to business hall insurance procedures: the owner of the car with the relevant information to the insurance company's business outlets, on the spot to fill out the policy, pay the premiums to insure.
Advantages: authoritative and reliable, the owner can rest assured that the purchase; complete procedures, immediately available.
Disadvantages: no door-to-door service, only to go to a fixed business hall; in addition to the provisions of the discount, no other preferential.
Insurance intermediary insurance procedures: the relevant information to the intermediary company, which will purchase on behalf of.
Advantages: Comparisons can be made, and the intermediary company usually acts as an agent for several insurance companies, so the policyholder can choose after comparing the products from various sources.
Disadvantages: You should be careful when buying insurance through an agent, because the qualification threshold for agents is low, which makes it easy for them to cheat.
Telephone insurance program: call the insurance company announced car insurance sales phone can be, there are professional staff door-to-door service.
Advantages: simple operation, fast insurance; save the intermediary link, the rate discount is larger, the insurance is relatively cheaper.
Disadvantages: Beware of the "cottage" version of the insurance phone, but also to prevent the encounter of fake policies.
4S store direct insurance program: after the purchase of the car in the dealership directly insured.
Advantages: The insurance is a one-step process, and you can enjoy the direct compensation service after the insurance, and you can send the insured car directly to the store for repair. In addition, if you buy a car and insurance in the same store, the salesman will give a discount on the price of the car or the premium accordingly.
Disadvantage: Premiums fluctuate greatly, and policyholders enjoy limited rate discounts.
02How to buy a corporate car insurance need to provide the original copy of the business license, organizational code certificate, certificate of conformity or invoice, car driving license, the identity of the policyholder insured and other materials. If the company car belongs to the business vehicle, then in the purchase of vehicle insurance also need to provide operating qualification certificate.Mai_GOO small reminder, the purchase of different insurance companies may be different materials required, corporate car to buy insurance before it is best to ask the insurance company to buy the insurance information required.03 buy your own insurance online how to buy choose an insurance company, open the official website of the insurance company. The first thing you need to do is to register for an account and log in; find the car insurance business section and click on Buy Car Insurance; enter the policyholder's information and vehicle information, and choose the type of car insurance to buy; after confirming that the information is correct, click on Insure Now, and then make the online payment for the purchase successfully. What to pay attention to when you buy car insurance01 How to inquire about car insurance quotes Call the hotline of the insurance company to inquire, transfer to a human being, and ask about the premium of the relevant car insurance. You can go through the official website of the insurance company or the official WeChat and other channels to make inquiries.02 Where to buy car insurance is the most cost-effective and cheap direct sales channels are generally three kinds: telephone sales, Internet sales (also known as the official website sales) and offline sales. The biggest advantage of this method is that it is convenient, cheap and autonomous.
03What information do you need to buy car insuranceVehicle owner's identification, purchase invoice, purchase contract, vehicle license, registration certificate and so on.
04How long does it take for car insurance to take effect after you buy itIn general, compulsory insurance takes effect immediately on the day of purchase, while commercial insurance takes effect at zero hour on the day after purchase.
05How to check if the car insurance is full coverageIf you have taken out compulsory insurance, car damage insurance, third party liability insurance and vehicle liability insurance, you can log on to the official APP or official website of the insurance company, and enter your personal information as well as your vehicle information to check it out. You can also go to the insurance company's counter or call to check.
06Buy car insurance to pay attention to what pit title title title title title title title title forcibly selling insurance; mislead the owner of the car insurance; induced excess insurance or repeat insurance; agent personnel "buckle single"; policy to false; their own damage repair car. Auto Insurance ClaimsThe basic process of auto insurance claims is to report the case: generally, insurance companies require that the case be reported within 48 hours of the incident. Investigation and damage determination: the inspector will complete the on-site investigation and inspection within 1 working day after the notification of the insurance company's internal affairs. Submission of claim documents: including: the certificate of traffic accident liability, mediation, judgment and repair invoices, medical invoices, copies of ID cards, copies of driving licenses, copies of driver's licenses, etc. Accounting review: the operator of the Claims Section receives the information handed over by the housekeeping staff and audits it, and signs on the handover book if the documents are complete. Approval: Claims within the purview of the Department of General Insurance will be submitted to the manager in charge of claims for approval; claims exceeding the purview of the Department of General Insurance will be reported at each level. Claims settlement: the operator of the underwriting and claims section will number the claims that have completed the approval procedures, and submit the receipts and calculations of the claims to the finance for transfer. Automobile insurance claims need materials original insurance policy, claim application form, fill in the report. If there are casualties, you also need to prepare hospitalization medical records, outpatient medical records, hospitalization invoices, medication lists and the injured person's ID card. Certificate of responsibility for traffic accident (or certificate of accident), conciliation letter of damage compensation for traffic accident. Valid identity certificates of the insured and the victim. Driving license of the insured motor vehicle and driver's license of the driver. If the traffic accident is handled in a self-negotiated manner, the agreement of the Provisions on Traffic Accident Handling Procedures is required. If it involves third party property claims, then in addition to the above information, you need to prepare the third party property loss details and certificates from relevant departments. Certificate of Personal Injury Chengdu. List of lost property and expenses, including invoices. Auto insurance claims time is generally how long the insurer from the date of receipt of the request for compensation or payment of insurance premiums and the relevant proofs and information within 60 days of the date of receipt of the request for compensation or payment of insurance premiums and relevant proofs and information, the amount of compensation or payment of insurance premiums can not be determined, it should be based on the existing proofs and information can be determined by the lowest amount of payment first, the insurer finally determine the amount of compensation or payment of insurance premiums, it should be paid the corresponding difference. (mai_goo small reminder: 48 hours after the insurance may be refused)
Auto insurance claims how long to the account of the car owner to the insurance company to file a claim, the insurance company will analyze the accident situation, if the insurance accident belongs to the insurance liability, the insurance company needs to be in the payout agreement within 10 days after the payment of compensation. If the accident is not covered by the insurance, the insurance company should send a notice of refusal to the owner within 3 days after the review and explain the reasons for the refusal.
What is the difference between split claim and direct claim? Split claim: After the insured person has an accident, the insurance company will pay the claim in two installments, that is to say, pay both sides of the accident separately. The first thing that you need to do is to get a good deal of money from the insurance company, and then you need to get a good deal of money from the insurance company. The first thing you need to do is to get your hands on a new car and get it back on the road. Car damage insurance claims are in the limit of the amount of coverage for the actual loss of the vehicle claims, if the vehicle reaches the standard of total loss, car damage insurance coverage is higher than the actual value of the vehicle, then the insurance company is according to the actual value of the vehicle to pay the claim. If the insurance coverage is lower than the actual value of the vehicle, then the insurance company will pay the full amount of the insurance coverage.
How to check the auto insurance claim record online: log on to the official website of the insurance company where the vehicle is located or the website of the Traffic Management Bureau, and follow the prompts on the website to check the information. Some insurance companies or third-party service organizations also have APP software, which can be more convenient for the query. Telephone inquiry: switch to manual service, need to provide some personal information such as license plate number; note that when inquiring by phone, be sure to pay attention to the accuracy and authenticity of the number. Counter inquiry: You can get detailed information about the passing of vehicles. Counter inquiry requires the presentation of relevant documents, such as the policy, the driving license plate and the identity card of the insured, and requires the presence of the owner of the car before it is allowed. The car insurance separately buy claims trouble is very troublesome. MAI_goo small remind everyone, commercial insurance, traffic insurance is best in the same property insurance company to buy, otherwise the future claims will be very troublesome. After the accident, you have to wait for the two insurance companies to investigate the scene, but also to prepare a number of claims related procedures, sometimes also need to run back and forth between the two insurance companies.
It's not a problem to buy an insurance policy in a different country, it's not a problem. The company's main goal is to provide the best possible service to its customers," he said. "The company's main goal is to provide the best possible service to its customers," he said. If you don't have a local branch or office, you'll need to prepare a full set of claim information and mail it or send it to the insurance company.
If you're looking for an insurance policy and don't want the hassle of settling a claim, M_aigoo suggests that you should go with a large, nationwide insurance company that has its own branches or outlets around the country.
What you should never say when reporting a car insurance claim Title Title Title Title "It's been 3 days since the accident." "The driver's license can't be found." "The engine got into the water and went straight out after the ignition." "I lost my mirror." "The car is fixed, the ticket is here, reimburse me." "My car doesn't have an annual inspection. Can you pay for it?" "I let the perpetrator get away, can I just go through the insurance?" "The car was lost in the parking lot." Auto Insurance Which Industry Recommended Brands PICC Car Insurance Ping An Car Insurance Pacific Car Insurance Guoshou Car Insurance Dadi Car Insurance Sunshine Car Insurance Taiping Car Insurance AXA Car Insurance Tian'an Property and Casualty Insurance This data is provided by cnpp brand "Research Institute" for reference only! Recommended reading 01 car treasure dictionary car insurance, violations, gasoline and other car knowledge car enthusiasts essential daily car manual With the improvement of income, more and more people began to buy a car as a means of transportation. Under the driving test training system with Chinese characteristics, although more and more...
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