The vehicle different purchase car insurance is sure not with the wind

Now the car owner are getting more and more, many new vehicle owners did not understand to the car insurance, when purchases the car insurance will inquire that some will have vehicle's friend, looked that they will buy any danger to plant, oneself with will also be buying. Actually, when purchases the car insurance this kind with the wind is very may not take, because each vehicle's vehicle type is different, vehicle owner's road sense, the travel environment are also different, some dangers plant suit others, actually not necessarily suits itself. When purchases the car insurance, and so on some average insurances plants besides Che Sunxian and the third party liability insurance, vehicle main overall evaluation their vehicle type, the vehicles new old and so on factors determined that the insurance the danger plants.　　 　　* entire Che Dao rushes to deal with an emergency the liability of compensation: Entire Che Dao rushes to deal with an emergency is responsible to compensate the insurance vehicles entire vehicle to steal, is robbed, the loss which robs creates. If the vehicles are robbed are snatched, the Insurance company carries on the compensation in the insurance money within the amount. If after the vehicle is robbed snatches retrieves, but the vehicles damage or the spare part lose, the Insurance company is responsible to compensate the repair expense. what needs to pay attention, entire Che Dao rushes to deal with an emergency is only responsible for the loss which compensates the entire vehicle to lose creates, if the vehicles components lose alone, the Insurance company is not responsible to compensate. For instance: The vehicles park when the tire is robbed, the Insurance company is not responsible to compensate; The vehicles are robbed when snatches, places in vehicle's goods Insurance company not to be also responsible to compensate. insurance prompt: If the vehicles are mainly coming and going to work riding instead of walking use, and the housing and the company have the special garage to park the vehicles, the vehicles do not park generally the place which safeguards in nobody, the vehicles the possibility which robs are been low, may consider that does not purchase this danger to plant. In addition some vehicle being the victim rate is quite now high, if you purchase the vehicles belong to this kind of vehicle type, that suggestion purchases robs the emergency, increases a safeguard.
　* EPI does not compensate the special danger　　 liability of compensation: Is responsible to compensate the vehicles damage insurance and in third party liability insurance is conforming to the indemnity within the amount to undertake by insured exempts compensates the amount. Took out insurance EPI not to compensate the danger not to represent can certainly obtain 100% compensations. EPI does not compensate dangerous the adjustment scope not to buckle the franchise including Canada, the Insurance company like will escape from danger to some situations, the ultra scope travel, the adjustment credential not entire and so on Canada to buckle the franchise many times. Canada buckles the franchise not to involve the vehicle owner accident risk, therefore does not belong to EPI not to compensate the special provision the adjustment scope. in addition, EPI does not compensate the danger is extraneous risks, only aims at Che Sunxian and the third party liability insurance and so on main danger, regarding extraneous risks and so on spontaneous combustion danger, non-error liability insurance does not have an effect, it is unable the extraneous risks franchise to pass the burden for the Insurance company. insurance prompt: EPI did not compensate the danger quite to be useful regarding the novice. Novice's road sense is not skilled, easy to occur bumps scratches, if in one year escapes from danger many times, exempts the compensation is also not a small loss. After insurance EPI does not compensate the danger, when adjustment can exempt the compensation to pass the burden for the Insurance company, reduces vehicle owner's loss. But is skilled regarding the road sense, the transportation realized strongly, the parking safety rate high vehicle owner, might choose does not buy EPI not to compensate the danger.
　* on vehicle personnel liability insurance liability of compensation: On the vehicle the personnel liability insurance is responsible to compensate the insurance vehicles to have the accident, causes expense loss which on vehicle's driver or the passenger personnel casualty creates, as well as loses the necessity which for the reduction pays reasonably to rescue, the protection expense. On vehicle personnel liability insurance when insurance, must indicate the insurance seating capacity, when presents the insurance risk, the Insurance company only undertakes in the insurance seating capacity responsibility. if has only taken out insurance on a seat's vehicle the personnel liability insurance, no matter has time the accident in the vehicle several injured, the Insurance company only pays indemnity for a person's damage. the update car insurance the personnel liability insurance's provision has also made certain revision to the vehicle on. The personnel liability insurance divides into the pilot and the passenger seat the vehicle on, the policy holder may purchase insures the pilot alone or insures passenger's danger to plant alone. insurance prompt: If vehicle owner's vehicles not often carry passengers, may choose on the insurance driver's seat's vehicle the personnel liability insurance; If on the vehicle needs to embark the passenger frequently, may choose the pilot and the passenger seat takes out insurance on the vehicle the personnel liability insurance. What if on the vehicle rides frequently is the family member, moreover you and the family members already had taken out insurance in the life insurance accident insurance and the accidental medical insurance, that was not unnecessary to take out insurance again on the vehicle the personnel liability insurance, because the accident injury and the accidental medical insurance provided the safeguard scope basic might cover the vehicles accident to escape from danger the injury which created to the personnel.　
　* spontaneous combustion damage insurance　　 liability of compensation: Because the spontaneous combustion damage insurance is responsible to compensate this vehicle electric circuit, the line, the oil supply system to break down and delivery cargo own reason is on fire the combustion, creates the safe vehicles lose, is responsible by the Insurance company to compensate. If the vehicles are on fire are because vehicle owner in use insurance vehicles process, because artificial direct feed, the open fire roasting and so on violates the vehicles which the vehicles safe operation rule creates to lose the spontaneous combustion danger not to compensate. in addition, the vehicles spontaneous combustion only creates the electric appliance, the line, oil supply system's loss; Insured's intentional act or the illegal activity create insure vehicles' loss; The delivery cargo's loss spontaneous combustion damage insurance also does not compensate. insurance prompt: Generally the new car not too will have the spontaneous combustion, therefore the new car may consider that will not take out insurance this danger to plant. Along with vehicle age increase, in the vehicle each part gets older gradually, has laid down the hidden danger for the spontaneous combustion occurrence. Therefore, regarding 45 years above the vehicle age long vehicles, the vehicle owner should consider that Canada buys the spontaneous combustion danger. 　　* glass independent risk of breakage liability of compensation: The glass independent risk of breakage is responsible to compensate the insurance vehicles in the use process, has this vehicle glass alone stave loss. If vehicles' glass stave is causes by other accidents, is compensates by Che Sunxian. In addition, in the glass independent risk of breakage's glass refers to the wind shield glass and the glass glass, not including headlight, vehicle mirror glass, if the headlight, the vehicle mirror glass is stave and in the vehicles service process creates stave, the Insurance company does not undertake the liability of compensation. insurance prompt: If the vehicles take the coming and going to work riding instead of walking tool, the housing and company's parking environment is good, the vehicles also generally do not park in the Construction site, the vehicles glass stave possibility are not alone big. Moreover the present town center's road surface situation is good, in the travel not too will have the small stone to fly breaks the vehicle glass, therefore in decided whether to purchase this danger will plant when must consider the vehicles will park the environment to decide. the glass independent risk of breakage divides into the domestic product and the import, the domestic product lowers some relatively compared to the import tariff, the vehicle owner may act according to own vehicles whether to import chooses corresponding the danger to plant.

How does the policy holder deal with the car insurance market the new change

On November 1 starts the life insurance update car insurance which carries out, because established 500 Yuan to exempt the compensation to cause social and the market strong reaction. China Insurance Regulatory Commission property insurance supervision department system place Department Head Dong Bo indicated specially the other day that the life insurance new car damages the dangerous product is authorizes after the Insurance Regulatory Commission, is not a suspect contrary. This confirmed from the policy surface life insurance update car insurance releasing conforms to the normal procedure, but does for policy holder's general vehicle owner friend, possibly cared after the life insurance this time carries out the update car insurance, can other Insurance companies follow up, how should the policy holder deal effectively? the this life insurance car insurance adjustment has two changes to be most obvious, one was in Che Sunxian increased absolutely not the EPI compensation, was also slightly hacks slightly rubs the service to be lower than 500 Yuan minor incident policy holders to pay. Second, premium rate because of vehicle type, but different. Because the life insurance wealth danger sits quietly the car insurance market first position in a hierarchy, therefore, life insurance wealth danger's every action and every movement, can arouse the market high interest. Huatai: At present has not received company's document, adjusts also is not too now clear. is safe: Now has not received the notice which the premium rate rises in prices. when to reporter sending a manuscript, has not spread the Pacific Ocean property insurance company, the safe property insurance company and so on other Insurance companies whether to adjust own car insurance tariff the news. However, the professional analyzed, because the life insurance has accounted for the car insurance market nearly 70% proportions, therefore it was also very strong to the market controlling force, this life insurance adjusted prices, reflected the entire car insurance market was developing toward the marketability direction. regarding had a vehicle race, for the vehicles insurance was the question which every year must face. But, facing various Insurance company these many conditions, the price different product, how has a vehicle race to choose suits own safe product, can achieve “the flowered change according to what kind of smooth insurance to hold the important matter”? The river extreme insures broker Limited company's Zhang Jian to suggest that must first establish the correct insurance awareness. Zhang Jian: The determination buys any insurance to have such several standards, one is looked it occurs the probability is high, one will be it has later the loss which will create to you to have in a big way, these I will not have the means not to have strength withstanding certainly to want key to take out insurance. when the consumer purchases the insurance, may relate several Insurance companies through each way, introduced that oneself vehicles' situation, contrasts various company afterward the car insurance combination chit which orders for yours love Che Dushen. , The scale big Insurance company chit price is on the other hand expensive, but the merit is the company damages the mesh point to be many surely, may draw support from the repair shop to implement on the telenet to damage surely, the adjustment speed is quite quick. Now those who have 40%-50% policy holders to use is entrusts the adjustment the method, after reporting, the vehicle, Shan Zhenghe entrusts the documents for claim to give the repair shop which together the Insurance company recommends, only need wait the notice in the home the vehicle which fixes to open. Zhang Jian introduced that what if you bought was the new car, suggested that should better the vehicles damage insurance, on the third party liability insurance, the vehicle the personnel liability insurance, the entire vehicle be the victim dangerous these average insurances to plant guarantees neat. When insurance must pay attention, also cannot to economize constantly, but shortage insurance, also does not need to spend exceeds the quota the insurance. The unwise choice is the full amount insurance, is vehicles value how many guarantees how many. if the vehicles approach the date of retirement, suggested that you only guarantee the third party liability insurance, because this kind approaches the date of retirement the vehicle, the vehicle condition is bad, invests many again is not too obviously cost-effective. Zhang Jian: At least after present new friend law implementation, I thought that the third party risk buys very much important full. Because presents the traffic accident is not take individual will as the shift, once occurs if you do not have the full amount third party liability insurance, once presents amount quite high claim, then this driver possibly wants to lose everything. In the danger plants in matching, Zhang Jianhuan suggested that besides Che Sunxian, the third party liability insurance two average insurances, suits the private vehicle owner in more than ten extraneous risks mainly to have four: Suits the trick-cycling not good novice EPI not to compensate the special danger; The upscale vehicle has the glass independent risk of breakage which very much the necessity buys; Does not have the fixed parking point, the plot public security condition not to be good, as well as drives the vehicle owner who runs errands the place to be best frequently guarantees entire Che Dao to rush to deal with an emergency; The new car is scratched delimits most to let together the vehicle owner love dearly, may spend 3500 Yuan insurance scratch danger. we remind the consumer finally, at present each Insurance company's car insurance provision is different, which are most reasonable, the policy holder may make the comparison, according to the own concrete term choice Insurance company and car insurance.

The automobile insurance guards against the intermediary cloth trap

Before vehicle owner Mr. Yang the car insurance due, received unceasingly at the end of last year insures clerk's telephone, sold the respective Insurance company's car insurance. The final insurance intermediary clerk has brought to his attention, this clerk called he is at the company is a Insurance company's first-level proxy. But purchases the car insurance through them only to need 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. Therefore 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. The very quick several minutes, after this clerk investigates the material, discovered that Mr. Yang's vehicle left three dangers last year, the request has increased price promotes 1000, Mr. Yang could not accept such price to reject. This clerk inquired immediately Mr. Yang planned which Insurance company purchases the car insurance, Mr. Yang speaks thoughtlessly the expression plan to take out insurance in the B Insurance company. several days later Mr. Yang asked A Insurance company's clerks to purchase the next fiscal year to be safe, the result is informed actually he the junction strong danger already under the B Insurance company only. Afterward several day of Mr. Yang accidentally has received this insurance intermediary clerk's telephone, is informed already helped it to take out insurance the car insurance in the B Insurance company to combine the good chit, Mr. Yang must only sign the confirmation and pays money in front of then. 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, has been unable to elsewhere to purchase. After Mr. Yang three suits, the B Insurance company abolished this chit finally.
The expert comments the document to handle the car insurance to choose the situation which regular channel Mr. Yang meets, should be intermediary first under a Insurance company the list, after then prepares attains the insurance premium, then draws back the list to purchase Mr. Yang to hope the purchase the B Insurance company car insurance. Mr. Yang this kind of bitter experience snatches the single vehicle owner to be not infrequent likely, the expert reminds the vehicle owner to buy 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 the travel card 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. Attorney reminds the insurance which the study car insurance and legal knowledge in the present market appears intermediary to be very disorderly, reminds the vehicle owner not to be able only to look that the price must compare the adjustment and the service, simultaneously reminds the vehicle owner when signs the insurance contract, the insurance clause reads carefully again has signed, must see clearly the insured liability. The insurance contract is the form contract, lets the non-professional the vehicle owner look that fills the technical expression the insurance clause, itself puts in the policy holder the very disadvantageous status, therefore, the parties concerned have in the essential examination insurance contract to exist to the policy holder unfair insurance clause. Suggested that the vehicle main multi-study related car insurance and the legal knowledge, avoids, whatever insures intermediary organizes, is at the passive position. the specialized reminder enhancement guard realizes the professional to remind the vehicle main enhancement guard consciousness, the regular Insurance agent has insures the agency factor qualifications card, moreover by ways and so on low price discount will not tempt the policy holder. When facing insurance proxy telephone, must determine that this is a regular Insurance agent can under the list, the policy holder not be able to depend on Insurance agent's several promotion telephone and so on individual information to disclose the ID card. Extends reading to consummate insurance intermediary market system China's insurance intermediary, regardless in organization quantity, service scale, in the technical service aspect which provides for the insurer and the insured, is quite backward, but corresponding intermediary carries on to the insurance the supervision is also being at the start stage. is uneven in view of the current intermediary market organization assignment, the development speed does not wait for the present situation which, the supervision level varies, for the enhancement insurance supervision troop's whole supervision level and the quality, suggested that the Insurance Regulatory Commission multi-organizations supervise personnel's training study, strengthens the provincial capital area the exchange. In the condition permission's situation, carries on the intermediary supervision with the insurance intermediary market developed country the exchange and the study, studies positively profits from internationally some mature supervision experience, further strengthens consummates the safe laws and regulations system, strengthens each kind of insurance supervision indicator system construction, the cultivation adapts the intermediary market development high quality supervision troop.

The passenger vehicle takes out insurance for two months to escape from danger 8 time Insurance company to suggest that draws back guarantees

The passenger vehicle takes out insurance only then for two months, escapes from danger reaches 8 times. Yesterday, opened 3 month vehicle's Fuzhou Miss Yan to receive Insurance company's telephone, said that the Insurance company was willing to return surplus 10 month-long the insurance premium, hoped that could finish the congruent relationship ahead of time, but also suggested that she drew back guarantees. Miss Yan was on last October 13 attains the driving license, in last December, she bought one second-hand to depend on Rand. Afterward, she has bought 2727 Yuan commercial dangers in an Insurance company. Miss Yan introduced that her family lives in the Wuyi oasis, is being built on stilts the level to have a parking spot. As a result of berth's channel a little slope, the channel is a right curve, nearby two has a sewer pipe respectively, but is also able to discriminate frequently the owner stops the vehicle nearby the berth. Trick-cycling not good she one does not pay attention, or the front has hit the sewer pipe, or the vehicle door has scratched others' vehicle, “escapes from danger eight times, including five times planted on oneself parking spot”. Miss Yan said that “I thought is very suffering from injustice”, is the minor incident which blow scratches, each time the Insurance company pays damages the amount is not high, “the Insurance company reason has not terminated the contract unilaterally”.Afterward, reporter has related this family Insurance company. This company human affairs executive Manager Guo said that they suggested truly Miss Yan draws back guarantees. He said that she escapes from danger is truly too many, two months escape from danger 8 times, altogether have compensated 4870 Yuan, have created company's record nearly, although did not recognize that she is the malicious insurance, but explained at least she drives the technology not to go through a strategic pass. “the present has many novices, thought after the insurance, all accident insurance company can undertake the risk, relaxed vigilantly.”Manager Guo said that this has created society's traffic safety hidden danger imperceptibly, draws back the suggestion which guarantees in fact is for her sounds the alarm, supervises her to enhance the trick-cycling. at the same time , reporter from Fuzhou several greatly Insurance companies found that at present, take escapes from danger excessively many as the situation which draws back by the suggestion guarantees is common, moreover between Fuzhou's Insurance company has also built the information sharing platform, regarding was suggested draws back guarantees the user, they will be specially sensitive. some people believed that rests on "Law of contract", since both sides have signed the contract, the contract has not expired, the Insurance company cannot request to terminate the contract unilaterally. Regarding this, Xiamen University Jin Rongxi is engaged in the insurance research specially Mr./Mrs. Xu said that Insurance company this act is legitimate. according to "Law of insurance" stipulated that safe sign occurrence partial losses, in the insurer compensates latter in 30th, the policy holder may terminate the contract; Besides the contract agreement do not terminate contract, the insurer may also terminate the contract. The insurer terminates the contract, must on 15th inform the policy holder ahead of time, and will insure the sign not to lose the part the insurance premium, deducts, from the insured liability starts the date stops the period after date of the termination contract the receivable part, returns the policy holder. she explained that because the insurance profession itself has the particularity, its contract provision must refer to "Law of insurance", but is not all insurance contracts may stop unilaterally, for instance person life insurance and freight transportation danger and so on, but the car insurance is an exceptional case.