The term "full coverage" doesn't really mean anything, and most car owners of a certain age know that. When I work as an auto insurance surveyor, I often come across customers who ask: "I bought full coverage, why don't you pay for it? Many times the salesman in order to "trick" you to buy and deliberately conceal the fact that the full coverage is not fully compensated (there are some not yet started salesman simply do not understand), full coverage is actually just a name, including the types of insurance can basically cope with the common traffic accidents, can be simply understood as "the insured party's Liability of the insured party under the traffic accident compensation. The following common situations are often refused: 1, illegal driving behavior (deserve to be refused). 2, intentional behavior (Beware of bear children, can only find the parents.). Or you can buy scratch insurance, but this insurance is super expensive, and is a cumulative form of compensation over the no, not recommended to buy). 3, force majeure (in fact, natural disasters and the like, some large companies are still willing to pay in order to reputation). 4, accessories stolen (mirrors, wheels are stolen are not compensated for only the whole car is stolen to compensate). 5, non-insured party responsibility (do not believe that those luxury cars were hit, because the responsible party can not afford to pay, looking for insurance to pay). Responsible party can not afford to pay, looking for insurance to pay the news). 6, retrofitting equipment (reversing radar, big surround, pedals, etc.) Example 1. 7, headlights alone damage, flat tires (there was a time when it was prevalent in the garage will be damaged headlights removed and installed to another vehicle of the same type to repeat the claim, and so the development of this provision for their own protection. Tires, on the other hand, are wear-and-tear items and may blow out over time, even without any accidents. And a unilateral tire blowout is generally not a traffic accident. (Reported that the general customer service will directly refuse to file a flat tire). 8, due to the contents of the car caused by the accident (a lot of people like to put some jewelry in the car, in case of emergency braking, accidents caused by these items "fly up" to hit the car equipment or people, then sorry, this is not a traffic accident, no compensation). Of course, you can also buy the full meaning of "full coverage", but that premium is estimated to be enough for you to buy a new car
The compulsory insurance.
If you're asking what you have to buy for auto insurance, compulsory insurance is essential. The full name of compulsory insurance is "compulsory insurance for motor vehicle traffic accidents", which is a mandatory liability insurance by the insurance company 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. Meanwhile, compulsory traffic insurance is the first compulsory insurance system in China, which is stipulated by national law. Therefore, compulsory insurance is one of the car insurance that car owners must buy.
The insurance company is not a charity, insurance is a commercial behavior. Since it is a commercial behavior, the main purpose is to make money. That's why they have to set a lot of dense to you don't want to see the terms to protect themselves, called "to prevent fraudulent insurance". When you are involved in a large loss, the insurance company may hire some special investigators to investigate whether you are involved in violating the terms and conditions during the insurance process. You may find this practice unreasonable, but you have to realize that there are more insurance frauds in our society than you think. Even a small and obscure company may face more cases of insurance fraud in a month than the number of crooks you have encountered in your lifetime, so it's not strange for an insurance company to want to protect itself. Also, you as the person involved in the incident know the circumstances of the incident very well and can balk at the idea that you did nothing wrong. However, the investigator came over after your incident, and it is impossible to see the cause and effect of the incident at a glance, and can only understand the cause and effect of the incident by investigating after the fact. It is important to note that the investigator is for the insurance company, their purpose is for the insurance company to reject the claim (the more the claim is rejected, the more money they receive), they will only keep the evidence that is favorable to the insurance company, and ignore the evidence that is favorable to you. So evidence in your favor must be collected and kept by yourself.
Vehicle damage insurance.
Vehicle damage insurance means that the insurer will compensate the insured vehicle in accordance with the provisions of the insurance contract if the insured vehicle suffers from natural disasters (excluding earthquakes) or accidents within the scope of the insurance liability, resulting in the loss of the insured vehicle itself.
It is worth noting that the cost of vehicle damage insurance is linked to the value of the vehicle, and can vary greatly depending on the purchase price of the vehicle. Some models that are older will have this cost slightly lower.
The job and power of the surveyor is limited, not what you ask him to do what he has to do. The work of the surveyor only survey (see the scene), loss determination (with the repair side of the negotiated price), I have encountered a lot of customers require us to prevent the traffic police impoundment of the car, contact each other, to receive claims information, etc., these are just your wishful thinking, not the duties of the surveyor! The surveyor is willing to help you you should be grateful, do not want to help you have no right to complain. There is such a kind of people: they have an accident, the car for some reason by the traffic police suspended, they asked me to deal with the traffic police, to help them take out the car. At that time, as a service person, I just want to say to this kind of people: are you a monkey sent by the comedian?! The impoundment of the car belongs to the law enforcement of the traffic police! Who told you that the insurance has the right to ask the traffic police to release the car? What kind of donkey kicked out of this kind of idea of yours?! There are also some people who ask the surveyor to help them to submit the information, but the surveyor will almost always refuse (willing to help you are either very familiar with you or just a stupid boy), two reasons: one is the time problem, and the other is lost to pay for their own. Collecting information is not the surveyor's job, even if you give him he is to help you take back to the company to hand over only. The problem is, the average surveyor an hour down one to two cases (like my kind of small company with few people, a person in charge of several areas, some cases far away from the road will be an hour or two), for you to hand over the information to make a special trip means that may be delayed in a number of cases. You might say that he can take it and bring it back to the office when he has to. This is also a bad idea, most of the surveyors do not have a car, to the shift time to hand over the car to the next group of colleagues. The surveyor would have to prepare a lot of documents such as claim applications, survey reports, etc., and it is inevitable that mistakes will be made every day. In case you lose it, your information is not handed over to the company, the company naturally will not be able to claim, then you will be very right to point the finger at the surveyor, the surveyor will have to pay you out of their own pockets.
So when you come across a surveyor who says that something is not his responsibility, don't take it for granted that they are shirking their responsibility, there are many things that they don't have the right to do, but they have to take the blame.
Third party liability insurance.
Third party liability insurance (referred to as the third party liability insurance) refers to the insured or its allowed drivers in the use of the insured vehicle in the process of an accident, resulting in the third party suffered bodily injury or death or direct damage to property, according to the law should be borne by the insured person's financial responsibility, the insurance company is responsible for compensation. The insurance company is responsible for compensating the third party for the property damage and medical expenses because the compulsory insurance is low, you can consider purchasing the third party liability insurance as a supplement to the compulsory insurance.
At the same time, if the insured person incurs arbitration or litigation costs as a result of this with the written consent of the insurance company, the insurance company will compensate for the costs in addition to the liability limit, up to a maximum of 30% of the liability limit.
When you really can't reach an agreement with the insurance company, don't get angry, and don't take it out on the surveyor (for the reasons in the next article). At this time you have two ways to go: 1, go to the OCI to complain, the OCI to mediate. However, it is important to note that the CIRC has no real power, the insurance company does not agree to mediation, the CIRC is at most criticized, do not have the power to do the actual punishment. 2, go to court to sue the insurance company. This method is more troublesome, takes a long time, but can really guarantee your rights and interests (you have a violation of the law in the first case exceptions)
Smaller cases try not to go to the insurance, and do not fraudulent insurance. Maybe a lot of people know that insurance will refuse to insure, thinking that you do not insure me I can find the next, but they do not know that the claims record of each person, each car is between insurance companies **** enjoy. Some people buy insurance and have to use it, there is a little bump and bruise all need insurance to deal with. However, almost all insurance companies will unconditionally deny coverage to customers who have more than 5 insurance claims in a year. There is no need to explain more about fraudulent insurance, the offense. Once you are blacklisted by one insurance company, it is difficult to switch to other qualified insurance companies, and with luck there are some small companies with no name accepting your premiums in order to develop business.
How to get the best deal on auto insurance
Websites are more cost-effective for direct investment.
Careful motorists should have realized long ago that it is more expensive to sell products through some intermediaries, such as car dealerships, agencies, and brokers, than directly at the insurance company. Indeed, the latter is actually 15% lower than the former rate, and nowadays, the website is getting more and more perfect, and often there are some promotional activities, so it may be more cost-effective than direct website insurance.
Third party coverage is $200 for 500,000 dollars.
The compulsory insurance is due for renewal
Combustion insurance
Seat insurance
Water-related insurance
Glass breakage insurance
Theft insurance
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