Vehicle damage insurance
Responsible for compensation due to natural disasters or accidents caused by the vehicle's own losses. This is the most important type of vehicle insurance. Whether to insure or not to insure this type of insurance needs to be weighed against its impact. If you don't, you'll have to pay for all the repairs after a collision.
Third Party Liability Insurance
It is responsible for compensating for the bodily injury or death of another person (i.e., the third party) or the direct damage to property caused by an accident that occurs while the insured vehicle is in use. Crashing into a car or a person is the most frightening thing when driving, not to mention the loss of one's own car, but also to spend a large amount of money to compensate for the loss of others. Because compulsory insurance (2008 version) in the third party medical expenses and property damage compensation is low, in the purchase of compulsory insurance can still consider buying third party liability insurance as a supplement.
Total car theft insurance
It is responsible for compensating the total loss of the insured vehicle due to theft, robbery and snatching, as well as the loss caused by the damage to the vehicle or the loss of its parts and accessories during the period. After the loss of the vehicle, you can get 80% of the actual value of the vehicle (subject to the agreement of the policy) from the insurance company. If the insured is missing the keys to the vehicle, only 75% of the compensation will be paid.
Car Liability Insurance
It is responsible for the compensation for the bodily injury or death of the vehicle occupants and the direct damage to the goods carried in the vehicle caused by an accident of the insured vehicle. The liability for bodily injury or death of the vehicle's occupants is what used to be known as Driver and Passenger Accidental Injury Insurance (DPAI).
No Fault Liability Insurance
The insured vehicle is not liable for any injury or death and direct property damage caused by traffic accidents with non-motorized vehicles and pedestrians during the use of the insured vehicle. If the insured refuses to pay compensation to the other party, the insurance company will compensate the other party according to the "Measures for the Handling of Road Traffic Accidents" and the standards of the local road traffic accident handling regulations within the compensation limit of this insurance stated in the insurance policy. An absolute deductible of 20% will be applied for each compensation.
Falling Cargo Liability Insurance
The insurance covers the financial liability arising from the fall of cargo from the insured vehicle during the use of the vehicle, which results in personal injury or death of a third party or direct damage to property. The liability is calculated within the insurance limit stated in the insurance policy. An absolute deductible of 20% applies to each claim.
Individual Glass Breakage Insurance
When the vehicle is parked or in use, and no other parts are damaged, but only the windshield glass is broken alone, the windshield glass loss will be compensated by the insurance company.
Vehicle Stopping Loss Insurance
The insurance company will compensate for the loss of the insured vehicle in the event of an insured accident within the scope of the vehicle damage insurance, resulting in damage to the bodywork and causing the vehicle to stop driving as follows:
(1) In the case of a partial loss, the insurer will compensate for the loss of the vehicle in the time agreed by the two parties to repair the vehicle by the amount of the compensation per day as stipulated in the insurance policy multiplied by the actual number of days between the date of delivery of the vehicle for repairs and the date of completion of the repairs. The insurer will calculate the indemnity according to the actual number of days from the date of repair to the date of completion of repair;
(2) In case of total loss, the indemnity will be calculated according to the indemnity limit agreed in the insurance policy;
(3) The above indemnities will be calculated cumulatively during the insurance period up to the maximum number of days of indemnity agreed in the insurance policy. The maximum agreed number of days of indemnity for this insurance is 90 days, and the most important feature of the Vehicle Stopping Loss Insurance is the very high rate of 10%.
Spontaneous Combustion Loss Insurance
The insured vehicle is liable for the damage caused by the fire and combustion of the vehicle due to the failure of the electrical appliances, wiring and fuel supply system of the vehicle or the cargo itself during the use of the insured vehicle.
New Equipment Loss Insurance
The insurance company will compensate for the direct damage of new equipment on the vehicle according to the actual loss if the vehicle is involved in an accident within the scope of vehicle damage insurance. Without this insurance, the insurance company will not be liable for the damage of the newly added equipment.
Excessive Deductible Insurance
This insurance is only available if you are covered by both Vehicle Damage Insurance and Third Party Liability Insurance. The insurer is responsible for compensating the deductible amount calculated in accordance with the terms of the basic insurance policy if the motor vehicle covered by this insurance is involved in an accident that results in a claim for damages. In other words, the insurer will pay for all damages incurred by the vehicle under the vehicle damage insurance and the third party liability insurance after taking out this insurance. This is a very good insurance only in 97 years. Its value is reflected in the following: without this insurance, the insurance company has to differentiate the responsibility when compensating for the loss within the scope of vehicle damage and third party liability insurance: if you are fully responsible, 80% compensation; 85% compensation for the main responsibility; 90% compensation for the equal responsibility; 95% compensation for the secondary responsibility. The other 20%, 15%, 10% and 5% of the accident losses need to be paid out of your own pocket. The insurance should pay attention to the problem of one, do not repeat the insurance
Some policyholders think that more insurance, you can make the insured vehicle more compensation. 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 duplicates the insurance, they will not get the excess value compensation.
Two, don't over-insure or under-insure
Some car owners, obviously 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 types of insurance policies can provide effective protection. 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, do not insure the third-party liability insurance, or only insure the main insurance, do not insure the additional insurance, etc.. In fact, each type of insurance have their 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 the insurance to pay, and the owner of some other losses may not be compensated.
Four, timely renewal
Some car owners in the insurance contract expires in time to renew the insurance, but the sky is the limit, in case of vehicle accidents 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 whether the third link of the bill is printed on white carbonless paper and printed light brown anti-counterfeiting backing, the upper left corner of the print "China Insurance Regulatory Commission Supervision and Administration Commission," the words, the upper right corner of the print "limited to × × × provinces (municipalities and autonomous regions) sales" of the words, if not, you can refuse to sign. If not, you can refuse to sign.
Sixth, pay attention to review the agent's authenticity
Insurance should be selected from the state-approved insurance company's institutions, rather than just want to save trouble to find a random insurance agency, and can not be the so-called "high rebate" lured, only to seek a small profit on the false agent's pawns.
Seven, check the policy
After the insurance procedures to get the original policy, we should check the policy listed items such as license plate number, engine number, etc., if there are errors and omissions, we must immediately put forward corrections.
Eighth, carry the insurance card
Insurance card should be carried with the car, if an accident occurs, we must immediately notify the insurance company and report to the traffic management department.
Nine, early renewal
Remember the deadline for insurance, early renewal.
Ten, pay attention to Mo Sheng "fraudulent claims" trick
There are a very small number of people, always want to take the insurance as a shortcut to wealth, such as the first insurance after the insurance, some artificially create insurance accidents, there are forged, altered, add repair, medical and other invoices and certificates, which are within the scope of fraudulent claims, is a violation of the law. Therefore, the owners of these issues, do not play small "smart".
Eleven, the definition of the third party in the car insurance, should be excluded from the family.
The exclusion of the insurance company has a provision that "the insured or their permitted driver and their family members of the personal injury, and the loss of property owned or kept", the driver and his family members, the insured's family members are not counted in the third party scope of the automobile accident. The automobile insurance clause is stipulated to prevent the insured from intentionally harming family members in order to obtain insurance money. Tips for insuring your car I. The insurance amount of the vehicle should be determined according to the purchase price of the new car. The amount of vehicle damage insurance can be determined according to the value of the new car or the actual value at the time of insurance. However, it is important to note that the insurance amount shall not exceed the value of the vehicle, because the excess is invalid.
Second, the driver and passengers accidental injury insurance, in the insurance according to the use of a seat or several seats, if more than 2 seats, all 5 seats are more cost-effective insurance.
Third, third-party liability insurance has 50,000 yuan, 100,000 yuan, 200,000 yuan, 500,000 yuan and 1 million yuan five grades, premiums were 1040 yuan, 1,300 yuan, 1,500 yuan, 1,730 yuan, 1,820 yuan. Generally speaking, it is more appropriate to insure 100,000 yuan, which can cope with the average accident.
Four, spontaneous combustion insurance is the vehicle due to oil or circuit causes spontaneous combustion caused by the loss of the guarantee. However, spontaneous combustion accidents in cars are extremely rare, so the need for insurance is not great.
Fifth, the old car theft insurance and damage insurance, the actual value of the vehicle at the time of insurance according to the purchase price of a new car minus depreciation to determine the general annual depreciation of ten thousandths. Auto insurance claims A, with the car with the motor vehicle "three certificates and a single" a clear copy, that is, the owner's identity card, driver's license, driving license and insurance large single. Here is a special reminder that many insurance companies are now insurance small card is no longer as a proof of claims.
Two, it is very important to report an accident in time, especially a major accident. When you call the insurance company to report a case, you need to provide the policy number, the time and place of the accident, the nature of the accident and other basic information.
Three, the temporary license plate vehicles generally only for a short period of compulsory insurance, and there are provisions for the route and time, in the provisions of the route other than the time of the accident occurred in the insurance company does not bear the responsibility to pay.
Four, the vehicle insurance, timely report to the insurance company, by the insurance loss adjuster for the investigation and determination of damage. The cost of compensation is generally assessed according to the industry standard of the place of insurance, if there is partial damage back to the place of insurance only to find, this part of the repair cost of the insurance company can make up for the loss compensation.
Fifth, if the insured person wants to entrust the repair shop to handle the compensation, or the accident compensation fee directly to the repair shop, should personally sign the authorization letter, and reported to the insurance company for the record. Each time the repair, and the repair shop to sign a quality contract, so as to maintain their legitimate rights and interests.
Six cases do not claim
Drinking and driving, driving without a license, no annual inspection does not pay
In the above cases, the driver does not have the qualification to drive on the road, a serious violation of traffic regulations.
The insurance company will also refuse to pay if the driver does not match the type of car, or if the driver is on the highway during the internship period
Reminder: pay special attention to the fact that you can't drink and drive, and don't lend your car to a relative or friend who doesn't have a driver's license yet.
Engine into the water and then start the damage caused by the damage is not compensated
Insurance companies believe that the vehicle driving to the depths of the water, the engine stalled, if the driver forced to ignite the damage caused by improper operation, is not within the scope of compensation.
Reminder: fall and winter seasons, more rain and snow, pay attention to close the doors and windows.
Our own equipment does not pay
Many car owners will add audio, refrigerator, tailgate, luggage rack and other equipment, but once the crash caused damage, the insurance company will not compensate for these additional equipment.
Reminder: If you want to buy insurance for these new equipment, you can take out a "new equipment loss insurance". However, if the car is modified to leave a safety hazard, did not notify the insurance company in advance, the accident will not be compensated.
Part of the stolen parts do not pay if the car is not stolen, only parts such as tires, audio equipment, car logo theft, the owner can only admit their own bad luck. Insurance companies usually stipulate that "not the whole car was stolen, only the car parts or ancillary equipment was stolen, robbed, snatched, damaged" as the exclusion.
Experts remind: anti-theft devices and safe parking place is essential, do not think that the purchase of theft insurance is foolproof.
Waiver of the right of recovery is not compensated
After the car accident, if someone else's responsibility, can not be too much trouble to give up to the other side of the compensation, because it is the same as giving up to the insurance company's right to claim compensation. Both the insurance law and insurance terms and conditions have such a provision.
Reminder: once the insurance and the responsibility of the other party, we must first find the other party to claim compensation, unsuccessful and then look for the insurance company, and the right of recovery will be transferred to the insurance company. In addition, the two sides of the accident through the traffic police to resolve the responsibility of the certificate is an important basis for insurance claims.
Losses during the repair period are not compensated
If the vehicle is sent for repair during the collision, theft and other losses, the insurance company will not be compensated, because the repair shop has the responsibility to properly store the repair vehicle. In addition, the insurance terms and conditions also generally agreed that the insurance company is not responsible for the loss of the insured vehicle in the "race, test" period is also not responsible for compensation.
Reminder: When repairing and maintaining a car, drivers should choose a regular garage.
Please try to avoid the above six situations when driving your vehicle to avoid unknowingly causing damage.