How does the novice purchase the automobile insurance

Three essential factor influence insurance premium looks for the vehicle insurance resembles simply, actually inside takes a lot of learning, at present, affects the car insurance premium the primary factor including vehicle owner's driving record, the car model, to drive the region and so on several aspects. Said first drives the record, from buys date of the dangerous, whether in the past three years have had in contrary driving or the past five years whether have had the error, will decide that your driving record rank, this rank is also deciding insurance premium how many. In brief, little eats summonss, has not had the accident, your insurance premium will reduce. Second, the car model, in the market various Insurance company to the different model, the year automobile has the different risk value at present, regarding the scarce vehicle type perhaps the upscale vehicle, the insurance premium also correspondingly rises. Finally, the vehicles drive Lu Bao also to have the very tremendous influence. If two same private cars, in the urban district travel, is year to year far the way travel, the insurance premium can also be different. be not belayed by two erroneous zones to insure the expert to remind related the policy holder: Buys when the car insurance is careful two big erroneous zones. one is avoids exceeding the quota the insurance or the shortage insurance. So-called exceeds the quota the insurance, was the vehicle owner has bought the value 100,000 Yuan passenger vehicles, actually has thrown 120,000 Yuan insurances, thought that guaranteed compensates. But shortage insurance exactly opposite. Actually, these two kind of insurances cannot obtain the effective safeguards, because "Law of insurance" stipulated that the insurance surpasses the insured value the part to be invalid. The insurance is lower than the insured value, has the agreement in addition besides the contract, the insurer undertakes the liability of compensation according to the insurance and insured value's proportion. Second, avoid repetition insurance. The vehicle owner after an Insurance company has purchased the insurance, even if arrives at other Insurance company repeatedly to take out insurance again, also will not obtain the over value payment.

The insurance Tendering agency “the emergency” the inside story commission fees is highest reaches 15%

Because the transportation forces three dangers (hereafter refers to as “hands over strong danger”) carrying out, at present in the market presented some insurance Tendering agency to use the low price insurance premium attraction vehicle owner, after deceiving the vehicle owner ID card number through handed over the strong dangerous system ahead of time under the list, robbed the customer finally the behavior. Some time ago, vehicle owner Mr. Yang on the personal experience entire process. intermediary was lead “(insurance) the Tendering agency too has been really excessive.”Recalled several week ago experience, Mr. Yang was still indignant. He indicated that the insurance Tendering agency is robbing the customer aspect to have oneself set of mature systems, if to the car insurance, the legal knowledge insufficiently understood, can only, no matter what the Tendering agency organizes. recalls according to Mr. Yang, his car insurance is expires in October 8, as a result of the National Day long vacation's reason, he must purchase the car insurance before September 30 only then not to send expired. In the entire in September, Mr. Yang unceasingly receives insures clerk's telephone, sells the respective Insurance company's car insurance, the basic similar telephone about ten several, 20, lets Mr. Yang bothersome every day extremely bothersome. Finally, an insurance intermediary clerk has brought to Mr. Yang's attention. This clerk said that he is at the company is the Chinese people property insurance Limited liability company (hereafter refers to as “guarantees”) the first-level proxy, but establishes newly through him in one Insurance company purchases the car insurance (to hand over strong danger and commercial danger) only needs for 4900 Yuan/years. But before Mr. Yang's car insurance expense has not been lower than 5000 Yuan/years, moreover he also has left last year several dangers, therefore the insurance premium should also have surfaces the boat. Stemming from to such ultra low car insurance price's curiosity, Mr. Yang requests opposite party to come out the concrete insurance premium detailed newspaper. Opposite party name must calculate that the concrete expense needs to provide the vehicle owner the ID card number, therefore Mr. Yang the protection has not provided own ID card number. very quick several minutes later, this clerk wired back for Mr. Yang said that through looked up the material only then to know a moment ago Mr. Yang's vehicle has left three dangers last year, therefore most started 4900 Yuan/years which sent out to be unable to realize, now the fully comprehensive insurance quoted price enhanced for 5800 Yuan/years. This enhanced the nearly 1000 Yuan nearly in the original foundation, therefore Mr. Yang could not accept such price to reject. This clerk inquired immediately he planned which Insurance company purchases the car insurance, Mr. Yang speaks thoughtlessly the expression plan to take out insurance in the Pacific Ocean Insurance company. snatched Shan Jiaoqiang dangerous like this to cross for several days, Mr. Yang has asked the clerk who in guaranteed to purchase the next fiscal year to be safe, the result is informed actually he the junction strong danger already in the Pacific Ocean Insurance company (hereafter referred to as “grand guardian”) under only. This lets Mr. Yang be quite surprised, because he has not purchased any insurance in the grand guardian.Mr. therefore Yang associates several day of ago that insurance intermediary, regarding this guarantees the clerk suggested that he 95500 serves the telephone to the grand guardian to carry on the suit, and provides this insurance intermediary telephone number to the grand guardian then to abolish this chit. Afterward Mr. Yang accidentally has received this insurance intermediary clerk's telephone, he told Mr. Yang already to help it to take out insurance the car insurance in “the grand guardian” to combine the good chit, asked Mr. Yang to inform the specific address, he will deliver directly the chit Mr. Yang in the family, Mr. Yang only need sign at the appointed time the confirmation and pays money in front of may. In Mr. Yang interrogated he has any right when without the person concerned agreement under the list, this clerk indicated that the chit already left, can only in leave the single Insurance company to purchase the insurance, was also in any case unable to elsewhere to purchase. In afterward making secret inquiries, some insurance intermediary clerk indicated to reporter that they under hand over the strong dangerous chit not to need vehicle owner's ID card, to go ahead of time this copy, so long as provides vehicle owner's ID card number to be possible to leave the list. Their reason is, the ID card number is the personal information, had this number to be equal to that was under vehicle owner's authorization. regarding this, a safe clerk disclosed that to snatch the customer first, after the insurance Tendering agency swindles vehicle owner's ID card number, leaves the list ahead of time. Although was only gets down ahead of time has handed over strong dangerous the chit, but part of vehicle owners did not understand that the commercial danger might with hand over the strong danger to separate the purchase. Moreover to reduce time the purchase and the adjustment trouble, some vehicle owners have also purchased the car insurance which under Tendering agency's strong method the Tendering agency recommends. Situation which meets as for Mr. Yang, should be intermediary first under other company the list, after then prepares attains the insurance premium, to draw back the list to purchase Mr. again Yang to hope the purchase the Insurance company car insurance.after , under Mr. Yang's over and over suit, the grand guardian only then reluctantly abolished Mr. Yang's junction strong danger chit. Surname Wang grand guardian car insurance department business section staff before removing the list to indicate to Mr. Yang, the Insurance company itself also has the negligence the place, for example has not carried on any form with the vehicle owner the checking to leave has handed over the strong dangerous chit. the vehicle owner may sue Reporter in the interview to find that looks like Mr. Yang this kind of bitter experience to snatch the single vehicle owner to be not infrequent, the related department is also investigating this matter, if an Insurance company without the vehicle owner agreed that surpasses the certain proportion on the under single number of times, is going to receive the penalty. the Insurance company 70% selling operation give the Insurance agent, the Insurance agent attains a junction strong danger to throw the chit every time to be able to obtain the insurance premium 4% rewards from the Insurance company, the commercial danger reward most high energy achieves the insurance premium 15%. Some Insurance companies will also return to the advantage at the end of the year for the achievement good safe agent, under the benefit obligation, the Insurance company will put forth each strategic move to snatch the list. The vehicle owner may sue Reporter in the interview to find that looks like Mr. Yang this kind of bitter experience to snatch the single vehicle owner to be not infrequent, the related department is also investigating this matter, if an Insurance company without the vehicle owner agreed that surpasses the certain proportion on the under single number of times, is going to receive the penalty. the Insurance company 70% selling operation give the Insurance agent, the Insurance agent attains a junction strong danger to throw the chit every time to be able to obtain the insurance premium 4% rewards from the Insurance company, the commercial danger reward most high energy achieves the insurance premium 15%. Some Insurance companies will also return to the advantage at the end of the year for the achievement good safe agent, under the benefit obligation, the Insurance company will put forth each strategic move to snatch the list. the wealth danger profession expert indicated that any Insurance company in had not permitted after the vehicle owner, gains the vehicle owner ID card number vehicle owner's junction strong danger locking is contrary. The vehicle owner may sue to the Insurance Regulatory Commission.if vehicle owner's junction strong danger chit is locked by an Insurance company, the second Insurance company cannot give this vehicle owner to leave again hands over strong dangerous the list. So long as has not paid the insurance premium, may arrive at the second Insurance company to throw the protection strong danger, the vehicle owner signs the redundant insurance with the second Insurance company to consider the invitation circular then. The redundant insurance considers the invitation circular the information feedback to Beijing mechanical transport accident compulsory insurance database, the Insurance Regulatory Commission or the insurance profession association blockage list Insurance company will give the warning, will make it to relieve locking. the purchase hands over the strong danger to guard against that business trap handed over the strong danger to welcome the second peak in October, some Insurance agent found out each means that let the vehicle owner take out insurance in own company, but these means many had the fraudulence. In the article says the vehicle owner Mr. Yang's bitter experience is a typical example. The vehicle owner when purchases the car insurance should better arrive at the regular mesh point, in order to avoid being deceived. The low price tempts the vehicle owner to take out insurance to hand over the strong insurance cost rate fluctuation mechanism execution and the road traffic accident suspension hook, on 3 and 3 above years have not occurred have the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to float down 30%, on 2 years have not occurred have the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to float down 20%. 1 year has 2 time and above 2 times has the responsibility road traffic accident's vehicle owner to pay the strong insurance cost rate to surface the boat 10%. present, some Insurance agent according to hands over strong dangerous the tariff adjustment mechanism to start the article, they take will have the means to let the vehicle owner generally enjoy the tariff to decline as the shop sign attract the vehicle owner to take out insurance, wanted to occupy a cheap vehicle owner to be swindled unavoidably. hands over the strong danger from to implement, guaranteed supervises the bureau to establish Beijing mechanical transport accident compulsory insurance database on the request insurance profession association, on the vehicle owner one year has violated regulations the information to be possible to find, wanted to revise violates regulations the record basically not to be impossible. At present can enjoy only hands over the strong dangerous preferential benefit is the vehicles which one year does not escape from danger, these vehicle owners also can only enjoy to 10% tariff decline. Take 6 below family private cars as the examples, one year does not escape from danger the vehicle owner when the next year delivers the strong danger may the cheap 105 Yuan.therefore “discounts” the junction strong danger very has the possibility is the insurance premium is lower than far hands over strong dangerous the commercial car insurance, moreover also has the possibility is pure deceives guarantees the event. Recently had the vehicle owner to believe a Insurance agent “950 Yuan buys hands over the strong danger” the rumor, has bought a vacation insurance. taking advantage of hands over the strong danger to snatch commercial danger present, the commercial car insurance's commission fees most is high is the insurance premium 15%. Regarding the Insurance agent, sells the commercial car insurance to have the profit, but because hands over the strong danger is a compulsory danger plants, has certainly wanted to the time on, therefore the Insurance agent often on the surface is snatching hands over strong dangerous the list, what is actually main is snatches the commercial car insurance the list.The Insurance agent before using this method snatches the list, must to the vehicle owner instill into hands over the viewpoint which the strong danger and the commercial car insurance cannot buy separately. Actually this is wrong, although the Insurance Regulatory Commission stipulated that all vehicles must throw the protection strong danger, but which Insurance company doesn't have the stipulation to hand over the strong danger to arrive at to buy, as well as bought has handed over the strong danger also to probably buy the commercial car insurance. hands over the strong danger and the commercial car insurance may buy separately, not necessarily must tie up in together. But considered, once has the road traffic accident, hands over situation which the strong danger insufficiently compensates, but must depend on the commercial three dangers to compensate. If hands over the strong danger and the commercial car insurance on the different Insurance company, like this when preparation claim material must prepare two, is quite troublesome. Therefore the majority of vehicle owners are willing to buy in the identical family Insurance company hand over the strong danger and the commercial car insurance. the Insurance agent also has settled on the vehicle prime suspect's troublesome psychology, delivered the strong dangerous quick due the connection to snatch the commercial car insurance the list, telephoned unceasingly for the commercial car insurance's profit to the vehicle owner. buys when insurance elected regular channel insures the quick due, one day can receive 56 to be even more Insurance agent the telephone, estimated that many vehicle owners have had the similar bitter experience. Telephone promotion which explodes randomly facing the Insurance agent crazy bang, wants to have the corrupt spot cheap vehicle owner unavoidable meeting heart movement convenient. Such vehicle owner was swindled the probability could high many.Reporter interviews several safe experts suggested that the vehicle owner buys hands over the strong danger to choose the regular marketing channel, the vehicle owner may handle directly to the Insurance company selling area, throws the material which the protection strong danger needs to have goes this and the ID card copy, the Insurance company could find the vehicle owner this year junction strong insurance cost rate through the car license number, might handle appropriately immediately; May also send a telegram to the Insurance company to handle directly with handles the insurance in the Insurance company official website. the Insurance company basically 70% services have given the Insurance agent now, even so, the vehicle owner cannot depend on Insurance agent's several promotion telephone and so on individual information to disclose the ID card. The regular Insurance agent has insures the agency factor qualifications card, moreover by “the low price discount” and so on ways will not tempt the reader. Harasses when facing Insurance company's telephone, must determine that this is a regular Insurance agent can under the list.

Has the traffic accident to come the adjustment like this

What bought vehicle hour this on to insure, leaves the danger should how the adjustment? This is one which of difficult solution questions the vehicle owner meets frequently. The professional tells the author, after presenting the traffic accident, what must first do is reports promptly; Next is wants prompt and the Insurance company communicates. the first matter reported to have the traffic accident promptly besides to report to the traffic control department, but must report promptly to the Insurance company. lets the Insurance company know that at the same time the policy holder had the traffic accident, on the other hand how can also consult to the Insurance company to process, protect the scene, how the Insurance company will teach the vehicle friend to demand the accident proof to opposite party and so on. time the vehicle owner adjustment's basic flow is: The show insurance policy card, the show travel card, the show driver license, shows the insured ID card, the show insurance policy, filling to escape from danger reports the table, detailed filling to escape from danger passes through and the detailed filling in reporting person, the pilot and the telephone, inspects the vehicles outward appearance, the photograph to damage, the adjustment to lead the vehicle owner surely to carry on the vehicles viewing test, to fill in according to the vehicle owner reports the content photograph nucleus to damage, whether there is on the adjustment reminder vehicle owner vehicles the valuables, the adjustment to draw up the duty request list to determine that the maintenance items and the maintenance time, the vehicle owner sign the approval, the vehicle owner to give the vehicles the maintenance station service. The second matter communicates to want prompt and the Insurance company promptly communicates. The vehicle main assists the Insurance company to complete positively to the vehicles survey, the photography as well as damages and so on surely the essential work. Before settling a lawsuit, should to hand over the tube department to understand that in the accident should take the big responsibility, lose how many and wounded's situations and so on compensation expense, then to the Insurance company inquired again which situations can compensate, which situations not to be able to compensate, reduces the loss as far as possible.at the same time , vehicle owner when looks for the rescue company trailer as well as looks the repair shop repairs a vehicle, about the price question must with the Insurance company promptly communicate, avoids rescuing the company or the repair shop initial price and Insurance company's compensation price difference is too big. The vehicles loss which surely regarding damages when had not discovered that should inform the Insurance company promptly, carries on two surveys by the Insurance company to damage surely, this extra loss did not need vehicle owner to take out money. Because the insurance risk suffers injury or creates the third party property damage, must repair as far as possible. Before the repair, the insured must handle jointly with the Insurance company to examine, determination repair project, repair way and repair expense. If the customer repairs voluntarily, the Insurance company will check that even the indemnity refused. After vehicles repair, before the payment repair expense and handles leads the vehicle procedure to carry on the inspection by all means must to the repair quality.

The automobile insurance premium plans with the C-NCAP rating suspension hook

The automobile insurance premium will link up hopefully from now on with the C-NCAP appraisal star class. In yesterday hold “2007 Chinese automobile industrial development international forum” on, the Chinese people property insurance Limited liability company and the Chinese automobile engineering research center has signed the strategy cooperative agreement officially in Tianjin. Both sides will devote together from now on study the new premium rate standard, the C-NCAP appraisal star class the hopeful achievement important reference, a star-level higher vehicle, the insurance premium will be from now on lower. the cooperative agreement stipulated that from now on, the Chinese life insurance wealth danger will become “C-NCAP” (Chinese new car appraisal regulations) first strategy partner. “, most more importantly, the life insurance is insured the profession the request, represents the domestic Insurance company and C-NCAP conducts the cooperation research on the vehicle technology security, the hope change present according to the vehicle rental fee collection insurance premium procedure.”Chinese automobile engineering research center standard Manager Wu Wei indicated during the interview, from now on, both in the automobile security, the traffic accident will analyze, aspects and so on automobile industry standard to establish the strategy partner relations which long-term, stable, the mutual benefit, altogether wins, builds the automobile profession and the automobile finance insurance profession cooperation platform together. China automobile engineering research center Director Zhao Hang indicated that this signing will cause the automobile insurance premium first time to link up with the C-NCAP appraisal star class. From now on the same price's vehicle type, the C-NCAP star class will be higher, the vehicle insurance premium will be lower. In his opinion, this cooperation will be able to change the Chinese steam trick-cycling to grind the center well because to lack “divorces oneself from reality” the situation which the traffic accident statistical data causes, because the life insurance wealth danger is specifically detailed in the motor vehicle accident aspect's data, moreover real reliable, to will formulate the automobile technical standard to have the help very much in the future target-oriented, will reduce maximum limit the head-on collision, the side to bump with the tumbling death.

FAW 5 subsidiary company joint capital construction car insurance company

Yesterday, the FAW group served under somebody's banner three To be listed FAW Xia Li, the FAW passenger vehicle and the FAW four links simultaneously issues announced that announced with the FAW finance Limited company, FAW finance holding's Jilin hundred million will insure the broker Limited liability company to pool capital peacefully in Beijing to set up the specialized automobile insurance company. the announcement expressed that this car insurance company registered capital total amount is 260,000,000 Yuan. And, hundred million insure the broker to invest peacefully 5,000,000 Yuan, occupies compares 1.9%; Other 4 FAW subsidiary company invests respectively 52,000,000 Yuan, occupies compared to 20%. regarding other 18.1% stocks, Tianjin FAW summer advantage automobile Limited liability company negotiable securities department Meng Mr. Kui indicated that at present is contacting other intention investor to join, investor quantity will not surpass two. Meng Mr. Kui indicated that at present this automobile insurance company's tenable time also with difficulty definite. “takes the specialized automobile insurance company, it will be possibly connected with the FAW group's new car selling operation.”Because only has the balance to insure one before this to study the car insurance, therefore FAW's this family car insurance company will become our country second specialized

How do the vehicles escape from danger “damage surely”

The safe vehicles after having the traffic accident, needs to determine that the extent of damage and the fixed price plan, in the custom called it “damages surely”. "Motor vehicle Insurance clause" 14th: “because the insured vehicles the insurance risk suffers injury or causes the third party property damage, must repair as far as possible. Before the repair, the insured must handle jointly with the insurer to examine, determination repair project, way and expense. Otherwise, the insurer is authorized to check or the indemnity refused.”May see according to the stipulation, after the safe vehicles escape from danger, in “damages surely” has two principles: First, repairs the principle as far as possible; second, consultative fixed price principle. If not is inadequate after the consultation or the consultation, the insurer is authorized to check or the indemnity refused. Therefore, consults with the insurer “surely damages” solves the question essential method. generally speaking, to the identical loss's appraisal conclusion and the repair expense, the repair shop will be different, makes “damages surely” will also have a difference. Therefore, must “damage surely” correctly fairly, must designate that a specialized neutral the authority accrediting body carries on. present in our country, the specialized neutrality's authoritative organization mainly has: Recent years the reason insurance management by supervision committee authorized to set up is engaged in the insurance sign to estimate specially damages, the appraisal service insurance appraisal organization; Is entrusted the local security traffic department, is composed the road traffic accident by the local prices office to damage the appraisal center; Insures the vehicles related the special service department which sets up in the locality. therefore, vehicles' loss by no means must determine by the Insurance company that the vehicle owner may “damage the plan to the Insurance company to propose the different opinions surely”, and further consults with the Insurance company, designated together both sides trust the organization is responsible “to damage the work surely”.