Hands over strong dangerous 70% hearing representative to produce the vehicle owner to represent half of comes from Beijing

According to Xinhua News Agency “hands over the strong insurance cost rate adjustment public hearing” 12 policy holders to represent, 4 social public to represent as well as 15 audit personnel, yesterday according to the regulations which established in advance undergoes the public drawing lots procedure production. in the drawing lots scene, Insurance Regulatory Commission office Director the Chen Fang rock pile announced that 12:00 registrations starts from December 3 to 6th 12:00 registration closures, the Insurance Regulatory Commission registration mailbox altogether to receive 388 mails, the effective registration population respectively is: The policy holder represents 82, the social public represents 69, audits personnel 52, other for redundant registration as well as invalid registration. the entire drawing lots process is by Beijing Chang An Notary public notary Wu Jun, notary assistant Li Dan carries on the scene inspector general, nearly ten media reporters arrive on invitation the testimony. Everybody saw that after the notarization personnel inspect the ballot box, the checkup effective number of votes, Insurance Regulatory Commission laws and regulations department Director Yang Huabai extracted the policy holder from the ballot box to represent, the social public to represent and to audit the personnel name list. This drawing lots produces hearing accounted for the hearing total number of representatives on behalf of quantity (22 people) over 70%, policy holder representative occupied half to be many. links Representative most is related individual policy holder Reporter found, drawing lots produces the policy holder represents has three major characteristics approximately: First, strongly for Beijing area resident, in 12 policy holder representatives has 6 people came from Beijing; Second, majority for individual policy holder, only then 2 unit policy holders are selected for hearing representative; Third, concentrates in 25 years old to 55 year old of age section, is engaged in the occupation is diverse, has the television radio announcer, engineer, the designer, the university teachers and so on.

Kaidilake is the product adjusts prices the highest increase scope to achieve 21.4%

After domestically produced Kaidilake SLS match prestige price adjustment, Shanghai general carried on last week the Kaidilake other imported product price the adjustment, highest increase scope 240,000 Yuan. After excise tax policy adjustment, Kaidilake in domestic all was the product price has made the adjustment.0 && image.height>0){if(image.width>=700){this.width=700;this.height=image.height*700/image.width;}}" border=0>At the beginning of the month, Shanghai announced general Kaidilake SLS the match prestige 2.8L product reduces prices, the 3.6L product price to be invariable, the 4.6L product price rises 17%. But in the last week, Kaidilake all was imports the vehicle to eliminate 2.8L CTS, other vehicle types had the varying degree rise in price. These vehicle types appear by 09 section of forms, the partial vehicle types increased the disposition, if 3.6L Kaidilake CTS increased the steering wheel to shift gears dials the piece, 6.2L triumphant Redd and the 4.6L XLR increase scope was biggest, rose in prices 240,000 Yuan, the increase scope has respectively achieved 21.4% and 18.7%, but increased the part disposition similarly.

Hands over the strong dangerous first year indemnity disbursement to equal 13,900,000,000 Yuan

New China net quick news: According to the announcement, hands over the strong dangerous first year indemnity disbursement up to June 30 to equal 13,900,000,000 Yuan, each kind of running cost equals 14,100,000,000 Yuan, the investment yield equals 1,400,000,000 Yuan. New China net quick news: The Insurance Regulatory Commission decided that holds the public hearing to hand over the strong danger basic rate to make the adjustment, initially plans according to hand over the strong danger liability limit to enhance time to 120,000 Yuan standards, requests the Chinese Insurance Profession Association to propose that hands over the strong danger basic rate adjustment the tentative plan. New China net quick news: According to the announcement, hands over the strong dangerous first year insurance premium income to equal 50,700,000,000 Yuan, already terminated insured liability up to June 30 the insurance premium 22,700,000,000 Yuan, not yet terminates insured liability the insurance premium 28,000,000,000 Yuan. New China net quick news: According to the domestic accounting standards calculation, hands over the strong danger first year financial report to compile presents the account to lose money 3,900,000,000 Yuan, the primary cause which the account loses money is the chit obtains the cost works as the time amortization. But presses the international accounting standards calculation small scale profit. New China net quick news: The China Insurance Regulatory Commission indicated that along with hands over strong dangerous the steady movement its cost of operation to present the declining trend, hands over the strong danger January to October altogether to realize 930,000,000 Yuan paper profits gradually.

Do not covet the little profit to buy the car insurance to elect to assign service shop cautiously

After buying the insurance is the auto purchase must pass through the procedure, but buys in where, spends the how much money to buy is very the key, after the direct relation automobile presents the breakdown adjustment. Some vehicle owners initially bought the vehicle hour corrupt little profit, to save several hundred Yuan to throw the insurance premium, but through some not regular proxy organization insurance, after waiting the automobile to present breakdown, cannot obtain when the ideal principle compensation Fang Zhi to regret. The professional reminds the vehicle owner, the purchase insurance do not want to covet the little profit well. did not service in January breakdown one month ago vehicle owner Mr. Guo to have a traffic accident once again, appraised after the Insurance company, to the initial insurance service factory service, more than 1 month of vehicles original traffic accident suffered injury the spot once again breakdown. Mr. Guo arrives at the 4S shop examination, the conclusion is the previous service has “the sequela”, but because the vehicle owner escapes from danger, is not in the 4S shop service, therefore 4S shop rejection free maintenance. Repairs a vehicle the factory to recognize that originally the repair does not have the question, the Insurance company expressed that the vehicles accident already the adjustment finished, suffers injury once more belongs to the service accident, is not responsible to compensate. Therefore, Mr. Guo can only from pick pockets the nearly thousand Yuan. original, Mr. Guo takes out insurance damages the service enterprise is not the 4S shop surely, buys the vehicle takes out insurance time to save the insurance premium, he takes out insurance through the Insurance agent, assigns the service shop is the common automobile service factory, may save 300-400 Yuan to throw the insurance premium. Facing nearly thousand Yuan service costs of the loss, Mr. Guo said that has one kind of gain does not equal the loss feeling really. 　The car insurance as wants take “the safeguard” the automobile purchase insurance is originally for “the safeguard”, the safeguard security, the safeguard loss obtains reimburses essential. The insurance premium height closely is also related with the insurance content. Chooses when the car insurance, if only takes the insurance premium to make the comparison, but neglected the danger to plant, the responsibility scope, the accessorial service and so on key aspect, had the possibility to create the gain does not equal the loss. is high in the 4S shop insurance expense, but the vehicle owner may enjoy to the more specialized point service, usually damages the volume relatively to be also high surely. If selects the insurance to the small proxy, usually the insurance premium will be low a spot. But the Insurance company damages surely, if damages the specified amount to be lower than the 4S shop repair expense surely, the vehicle owner must make up the price difference or seeks for the service factory. If meets the bad service factory, has the possibility to create the vehicles very much “two breakdowns”. therefore, the professional reminds the vehicle owner, if thought when insurance assigns 4S shop maintenance cost unacceptable, certainly must before the insurance the inquire closely Insurance agent takes out insurance assigns the service shop the intelligence and the credit, in order to avoid suffers the loss.

Summer the climate unusual attention car insurance summer “four do not compensate”

　The climate is summer unusual, or the hot hot sun, either the pouring rainstorm, very easily causes the damage to the automobile. But creates regarding certain peculiar circumstances the automobile loss, the Insurance company does not give the compensation. in the water starts sends the engine to damage in the summer is the rainstorm sends the season, once in the rainy day driving, very easy to flood the engine, if starts easily in the water to create the engine damage. But, the misoperation causes regarding the vehicle owner in the water explodes losses and so on cylinder, the Insurance company does not give the compensation (, only if vehicle owner takes out insurance “fords hazardous going by water”, some Insurance companies do not have this danger to plant). the expert reminds: The car owner when has not determined the water depth, certainly do not go by car to ford. the blowout causes the tire loses under the hot hot sun, if the automobile tire gasification is too full, meets insolation the road surface again, very easy to initiate the blowout. But tire's loss which causes regarding the blowout, the Insurance company does not give the compensation. the expert reminds: Should better not imitate too full in the summer automobile tire's gas, when driving do not run the express train, is careful causes the multiple losses because of the tire initiation accident. the automobile body unaccelerated aging and damages the summer, the vehicle drenches after the insolation perhaps the rain easy to create the scratch spot primer flaking or the corrosion. Che Biao who creates regarding this kind of reason loses the insured company to be called the nature damage, belongs to the relief scope. the expert reminds: On when the automobile body has the scratch, certainly must inform the Insurance company to carry on the adjustment promptly, repairs as soon as possible, in order to avoid breakage surface expansion. in the vehicle danger detonation many vehicle owners can put the commonly used little thing in the vehicle, like the cigarette lighter, the aromatic compound and send the rubber and so on, but in extremely hot summer, these high explosive cargos, if the long time after the insolation, very easy to initiate explodes, regarding the Insurance company firm will not compensate. the expert reminds: In vehicle's high explosive cargo must certainly pay attention to depositing, because is careful own some tiny customs to create the heavy loss.

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.

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