Many car owners think that when they buy a car, the more insurance they buy, the more comprehensive the better, so that they can get more compensation in case of an accident, in order to be foolproof. In addition to the state mandatory insurance, and then add some insurance, will give the car and their own more security. But is it really what everyone thinks: the more car insurance you buy, the better?
Currently the manager of the customer service center of Jiangsu branch of Dupont Property and Casualty Insurance, he joined the insurance industry in 1997, is proficient in insurance theory and good at claims practice, and has been awarded the title of "excellent employee and excellent manager" by Dupont Insurance Company and Jiangsu branch for many times, and the departments under his leadership have been honored by the head office many times, and have been named as an advanced group. The department under his leadership has been honored by the head office for many times, and has been appraised as an advanced collective.
Buying auto insurance has skills
For just buy a car, or ready to buy a car, as well as never touched the vehicle friends, generally have this idea, always think that the more insurance you buy, the more protection you have. This is also with the continuous development of social and economic development, brought about by the strengthening of the awareness of risk prevention and insurance awareness.
But not all insurance is necessary and foolproof, buy insurance is just a means of transferring risks and sharing losses. Here, on the purchase of car insurance products, some of the skills to make a presentation to you.
The compulsory insurance is a must
At present, the insurance involved in vehicle insurance is mainly divided into compulsory insurance (national mandatory) and commercial insurance (voluntary). Among them, the compulsory insurance is the car owners must buy insurance, is the insurance company for the insured motor vehicle road traffic accidents caused by the three (excluding the vehicle personnel and the insured) personal injury and death, property damage, within the limit of liability to be compensated for the mandatory liability insurance, is the national mandatory purchase of insurance.
The compulsory liability insurance has a limit of 110,000 yuan for death and disability, 10,000 yuan for medical expenses, and 2,000 yuan for property damage.
Commercial insurance can be chosen at your discretion
Besides compulsory insurance, car owners also need to take out some commercial insurance. It mainly includes: motor vehicle damage insurance, third-party liability insurance, theft insurance, vehicle occupant insurance, scratch insurance and so on.
For example, motor vehicle damage insurance, mainly for the accidental collision between vehicles and so on. In general, the majority of people who buy cars are novices, driving experience is limited, it is easier to road traffic accidents, this time the car damage insurance can effectively reduce the loss; commercial third party liability insurance is the main function of the motor vehicle and the passer-by accident, the policyholder can be transferred to the insurance company, so as to transfer the risk; need to remind everyone is that, if you live in the place is no garage as well as the If you live in a neighborhood with no garage and poor property management, then theft and scratch insurance are also mandatory.
It is worth noting that many car owners are not familiar with the option of deductibles. Simply put, an exclusion is a supplement to the remainder of the insurance company's claim. For example, if the vehicle only insured car damage insurance, in the event of a one-sided accident, the repair cost of the car is 1,000 yuan, then the insurance company only in accordance with the provisions of the repair cost of 80%; if the purchase of car damage insurance deductible, then the insurance company to assume 100% of the repair cost. In other words, only 80 percent of the car damage insurance is insured, the deductible is insured by the other 20 percent.
Car insurance is not as good as the more you buy
Car owners should buy car insurance based on their personal use of the vehicle. If it is a business truck, we should consider some of the higher amount of liability insurance needs; if it is a business, the agency's vehicle, in the unit financial conditions allow, you can consider buying some of the actual need for additional types of insurance. Such as often traveling rainy road owners, can consider the engine water damage insurance; car new equipment, can consider buying new equipment loss insurance. The deductible (rate) additional insurance, generally all car owners must be insured, which can help owners save a lot of money.
The more you insure, the better. How much the insurance company pays is entirely based on the actual situation of the car insurance, and will not pay more because of more insurance. Some insurance salespeople bundle various types of insurance to make a profit. For example, many insurance companies bundle liability insurance, anti-theft insurance and car damage insurance as basic insurance to sell. As a result, some inexperienced car owners are confused and buy insurance that they should not buy or can buy or not buy. Therefore, car owners must be carefully selected before the insurance, so as to spend the least amount of money to get the maximum benefit of protection.
When does vehicle insurance come into effect
The vehicle insurance policy provides for an insurance period of one year. The starting point of the insurance period is the zero hour of the effective date of the insurance, but the insurance period can not be earlier than the date of application. In other words, if you sign a car insurance policy on the same day, the official effective period will be the next day at zero hour, and the insurance company will not pay for the car damage before that.
At present, private cars are commonly insured by vehicle insurance: vehicle damage insurance, third-party liability insurance, basic insurance exclusion clauses, etc., which can effectively avoid the risk of loss caused by the owner's driving accident. However, if the day after all the formalities for the purchase of the car, before 12:00 p.m. insurance accidents will be the owner of the car to bear all the losses. With the increase in the number of car buyers, such incidents have occurred recently. Therefore, the best way to buy a new car to take "seamless" insurance, that is, the first day according to the dealer to provide the vehicle certificate of conformity, the vehicle insurance, the vehicle will be temporarily stored in the seller, to be the next day after the insurance is in effect and then go for the car, the vehicle tax, the license plate and other formalities.
Misconceptions about over-insurance and duplicate coverage
One is to be careful to avoid under-insurance or over-insurance. If your car is worth 150,000 yuan and you insure it for 200,000 yuan, or vice versa, and your insured amount is less than the value of your car, both are unreasonable and do not always result in effective insurance coverage. According to the Insurance Law, the insured amount shall not exceed the insured value, and if it exceeds the insured value, the excess is invalid; if the insured amount is less than the insured value, except for the insurance contract, the insured shall bear the compensation responsibility in accordance with the ratio of the insured amount to the insured value.
The second is to avoid repeated insurance. If you buy insurance from one insurance company, you generally should not go to another insurance company. According to the Insurance Law, in property insurance, if the sum of the insured amount of the duplicate insurance exceeds the insured value, the sum of the compensation amount of each insurance company shall not exceed the insured value. If your automobile is valued at 150,000 yuan and is insured separately with insurance companies A and B for automobile damage insurance, with Company A insuring 80,000 yuan and Company B insuring 120,000 yuan. Then, according to the above provisions, when the total loss of the vehicle occurs, the total amount of compensation from A and B is still limited to 150,000 yuan, i.e., 60,000 yuan for A and 90,000 yuan for B.
Therefore, repeat insurance and over-insurance in the car insurance is not good, car insurance payout is mainly based on the principle of compensation, not more insurance can be more compensation, when the compensation reaches the actual value of the vehicle when the compensation will stop. Need to remind the insured is that the general agent said "full insurance", just a number of types of insurance in general, not including all the accident. The insurance policy holder must read the contract when purchasing insurance to avoid unnecessary disputes.
Customer Viewpoint 1:
I just bought a new car, and I am planning to buy insurance for my car, and I am still in the hesitation stage. When I was buying the car, the salesman advised me to buy insurance according to my needs. I always think that the more car insurance, the better, and I would like to ask the professionals: Is it true that the more car insurance, the better? Also, what are the rules about when new car insurance goes into effect? Is it true that if you have insurance, you can get compensation if you have an accident on the same day? (Mr. Zhao, Luoyang, Henan)
Customer Viewpoint 2:
I'm a driver and I usually spend the most time with my car. Our cars are insured by the organization, and I'm not sure what kind of insurance we have. I would like to ask: what kind of insurance do you usually need to buy for your own car? If I have insurance with more than one company, will I be compensated more when I make a claim? (Mr. Su, Nanjing, Jiangsu)
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"