Please ask a question about car insurance, and a friend who knows will take the trouble to come in a

First of all, although the owner of the car is your father, but you must have a driver's license when driving (of course, you must have a driver's license, and the vehicle's driving license is within the validity period), the insurance company will also compensate for the accident, there is no difference, please rest assured. However, the insurance company must pay the money on your father's bank card, which is to prevent a third party from illegally benefiting from it.

After that, the renewal and underwriting procedures of each insurance company are different, but generally you can renew the policy with the previous year's policy and the owner's ID card, and you can also enjoy discounts. Hope.

Hello. I'm in your order as follows:

1. The vehicle can be claimed no matter who drives it, and the owner of the car is the same, and the subject of insurance is the vehicle. When making a claim, you only need to prepare the identity certificate of the car owner (insured) (ID card, copy is generally acceptable), and the compensation is paid to the insured's account;

2. The insurance can be renewed after expiration, and what you also need is to prepare the vehicle certificate (driving license) and the owner's identity certificate (ID card, copy is generally OK).

In all the questions you asked, as long as you prepare a copy of the ID card of the car owner (insured), the bank card in the name of the car owner (insured) is OK, and the bank card is preferably a debit card and is from a big bank.

If you have any questions, please feel free to contact me.

Is your father still in the country? If so, it is best to go through the transfer procedures in this case. Otherwise, it will be troublesome to settle claims and renew policies in the future.

Oh, sorry. As for your first question, I think it is like this, if you are driving and get into an accident, the insurance company's claim is not changed. Because the insurance company is for the car, not for the person who drives the car (the person driving the car must have a driver's license).

1. Indemnity. Exactly the same payout. There is nothing wrong with that.

2.You can't renew the policy, you apply for insurance with your driver's license and ID card, re-underwrite at the standard premium, there is no discount, the 10% discount for 1 year has to be recalculated. It's okay to buy insurance. But the discount is gone.

It depends on whether your insurance company has assigned you a driver. If your dad is specified. You're on. Only 90% will be paid If not specified, you will still pay 100% if you open

If you don't know how to ask me!

If the car has been insured once, the premium will not rise in the second year, and the standard of the first year will be maintained. If you don't take out insurance, you will get a 10% discount, which is actually equivalent to a disguised increase.

If the car insurance customer does not have a closed compensation record during the compulsory traffic insurance and commercial auto insurance insurance purchased in the previous year, he or she can enjoy the preferential treatment of no compensation rate reduction, with a discount of 10% per year, and a maximum of 30% discount for customers who have not been insured within three years. What is the relationship between the number of car insurance trips and premiumsFor car owners with more insurance, it is more obvious, for high-risk customers with more claims in the previous year, the car insurance rate will also rise, and the rate can rise by up to 30% if there are more than 5 times of insurance in a year. The relationship between the number of vehicle insurance accidents and the impact of car insurance premiums reminds the majority of car owners to drive cautiously even if they have vehicle insurance, and try to avoid the situation of rising premiums.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How insurance benefits are paid is dominated by the vehicle insured.

With regard to the payment object of the car damage insurance compensation of the loaned vehicle, the bank is generally stipulated to be the first beneficiary in the special agreement column of the original loan vehicle insurance policy, and the reason for this agreement is that the bank wants to ensure the safety of the loan. However, there is no concept of beneficiary in property insurance under the Insurance Law, and the agreement does not comply with the provisions of the law. If the payment has already been made, the insured still has the right to apply to the insurance company for payment.

If the insured does not agree to pay the bank for the repayment of the loan, the claim payment shall be paid to the insured. If the car is repaired at the repair shop recommended by the insurance company, the insurance company can negotiate with the insured to pay the repair shop directly, but the insured must sign and agree.

To sum up, how to pay the compensation, completely up to the insured, the insured to realize their wishes, it is recommended to sign carefully, see clearly and carefully sign, just listen to the introduction of the insurance company to sign directly, it is easy to lose the dominance, because some important authorizations are often in the inconspicuous place of the document.

Insurance companies and banks are different businesses, so don't confuse them.

There are several conditions for the insurance company to settle a claim:

1. The insurance personnel arrive at the accident site;

2. The traffic police divide the size of the responsibility;

3. The type of insurance purchased by both parties to the accident;

Ah, Xi, you are rigorous enough, I will tell you one by one, you are in this situation, the insurance company must be equipped with insurance, it is cost-effective, and the 4S shop repairs it directly, because if you report, there is no discount for the next year's premium, in fact, it is also a dollar, but if you pay for it yourself, it will cost 900 And Ping An Insurance is famous for its fast claims The compensation can come down in one day, and there is no deductible, it must be fully compensated You apply for insurance this time only affect your insurance next year, there is no discount for other things, and you will not be compensated for the next accident? He dares, he dare, I teach you how to kill him... Hehe, hehe, the second time you have an accident, it is also fully compensated As long as it is not maliciously injured out of your policy amount, it will be fully compensated For example, the car damage on your policy is 8w After 80,000, you will pay it yourself, but it is impossible Now the insurance company generally reaches 70% of the car's damage, and the total loss will be refunded Know what is a total loss? Just give you a new car, understand?

There is no such thing as no compensation Ah Xi The question you asked seems to be of the same nature But I still be kind to you For example, if you buy a new car and get insurance at a discount, if you go out of insurance, there will be no discount in the coming year If you go out twice, the premium will be raised in the coming year Three times, four times, n times, I will change the insurance company in the next year, I won't insure you Big brother, as long as there is a deductible on the insurance policy, there is a scene, and his insurance company will have to compensate you all OK? If you can't get out, he will have to pay it all, okay? I'm rubbing, you're sad about me, depressed, all 6 questions are the same, are you blind?

1. The driver (insured) who caused the accident must report to the insurance company within 24 hours, and carefully fill in the "Notice of Claim for Motor Vehicle Insurance" and seal it.

2. Inform the insurance company of the location of the damaged vehicle in a timely manner, while surveying and assessing the damage to the vehicle, 3. When dealing with the accident according to the provisions of the "Road Traffic Accident Handling Measures", the compensation for the loss of property shall obtain the corresponding bills and certificates.

4. After the vehicle repair and accident handling are closed, the information required for handling the insurance claim is (1) the original and copy of the motor vehicle insurance policy and endorsement (2) the notice of motor vehicle insurance claim.

3) A copy of the driving license and driver's license.

5. Claim cycle: If the insured does not apply to the insurance company for compensation within 3 months from the date of the repair of the insured vehicle or the conclusion of the accident, or does not receive the compensation due within 1 year from the date of the insurance company notifying the insured to receive the insurance compensation, it will be deemed to have automatically waived the rights and interests. When the vehicle hits the wall, steps, cement pillars and trees and other accidents that do not involve claims to others, you can not report to the traffic police and other departments, but directly report to the insurance company.

Generally, when buying insurance for a bank mortgage vehicle, the bank requires the first beneficiary to be the bank, so the insurance compensation is on the account designated by the bank. If you want to use the account you provided, you must go to the bank to issue an authorization document.

First, because this year is a renewal, so the preferential strength is large, the renewal is the same in which company, because the insurance is networked, the renewal refers to the compulsory insurance last year, this year's compulsory insurance is the compulsory insurance renewal, last year, last year there was commercial insurance, this year there is also commercial insurance, this is the renewal of commercial insurance, before in other companies this year in this company is a renewal.

Third, because it is now December, the local taxation bureau is to account for the accounts, this period of time is not able to do the vehicle and vessel tax, it needs to be handled in January, the vehicle and vessel tax is paid to the local taxation bureau, it will be given to the state, as long as it is paid within one year, as long as it does not affect the car review, there is no problem, this has nothing to do with the insurance company's claim.

In your case, you can get some small benefits from buying insurance online, but if an accident happens, your online manager has no way to find a way for you. If you don't care about those small profits such as beauty, car washing, etc. (in fact, there is not a lot of money, the vehicle can be washed for free after 4S maintenance), you can decide for yourself to choose to go to **insurance, this is your right, I believe that on the Internet and ** sales, Pacific and Ping An are lower than the premiums of PICC, and the preferential range of insurance is generally unchanged.

Regarding the use of scratch insurance, the policies of the Insurance Regulatory Commission and industry associations in various regions are different, if you have a discount and whether the previous year is out of insurance a few times to decide, if there is no insurance next year, then you need to consider whether 500 yuan is suitable for insurance or self-care, because how much is your insurance how much discount compared with 500 yuan which is more suitable depends on yourself.

And you said that the 4S store tells you several places for 500 yuan? Unlikely. If that's the case, then only touch-ups will do. Spray a few noodles for 500 pieces, no one will do it for you.

There is such a rule on how many years the scratch insurance cannot be covered, because the vehicle is used for a long time, the greater the risk.

It should be the salesman who sends you a message, of course, if you renew the insurance online, it has nothing to do with the salesman, but if you do it at the salesman, the company will calculate the performance of the salesman, and if you want to do it with the salesman, you can go to the car insurance department with the salesman to make a contract. If you don't report the scratch to the insurance company, the insurance company should renew it for you directly, which should be more favorable, and if you report the crime, it may be higher.

As far as I know, when I was working at the insurance company, the scratch insurance was already canceled! As for the so-called buy in **, what to send is wool out of the sheep, buy in **, as long as you get the list, consult customer service, the right policy for you is true, you don't ask him to pay again, before the payment is to choose what you think is cost-effective**! I don't think the scratches are obvious and don't get in the way, don't care, my car is not black when it stops on the road, and I go back to my hometown, there are branches everywhere, there are scars everywhere, I'll just say that, I will scrape more!

We wish you a smooth and happy insurance purchase! Please don't distrust these people, because that's what I do.

The preferential policies of various insurance companies are different, some are directly reduced, some are sent away, and some are after the drop, there are dividends at the end of the insurance period, so it depends on your choice, of course, I think these are the most important after the claim, about scratches, basically more than three years are not insured, if you have scratch insurance during the policy period, hurry up and repair it, but it is estimated that your situation can not be a case.

1. Of course, they have their own tricks to buy his family's insurance, and if you sell it like Renbao's safety, you can also get another 85% discount. Some people who can't go to telemarketing like they like, just send a fuel card or something, anyway, it's a rebate for you.

2. Scratch insurance: The general insurance company will not let the insurance for more than 3 years, because the probability of the car being scratched is very high. Well, if it is a collision of turning or reversing (note that it is a collision of the area), it is a car damage insurance. However, you should know that the rate is linked to the previous policy year's report and claim records and violation records, if you compare yourself with the cost of more cost-effective, don't report the case, otherwise the next premium will be higher.

I hope it will be adopted

Answer one by one:

1. If the tire is damaged alone, the insurance company will not pay, and if the paint on the wheel eyebrow is also damaged according to what you mentioned, the insurance company can compensate.

Separate damage to the wheels in the motor vehicle insurance clause is not covered by insurance, which means that no damage to other parts of the insured motor vehicle has occurred, but only separate damage to the tires, rims and hubcaps, or damage to any two of the above three, or joint damage to all three. ）

2. If the time of the collision is about the same, you can report the accident at the same time, but the location of each collision is an accident, and it is impossible to combine it, that is, a collision is an accident.

3. This kind of small collision accident, the general insurance company will require the investigation of the first scene or the re-investigation of the scene, it is recommended that after the collision, first report to the insurance company, and then the insurance company will send personnel to investigate and assess the damage, because they want to shoot the scene, check the collision traces, and determine the amount of loss. If you fail to report the accident in time, and the accident scene changes and the insurance company cannot determine the authenticity of the accident, it will affect your claim and even refuse to pay compensation.

4. Whether the insurance company can pay full compensation depends on the type of accident you have, generally hitting a wall, a tree, or a car, as long as you are fully insured (that is, you purchased a car at that time ** and the amount insured on the policy) and invested in the deductible insurance, it is generally full compensation. Of course, if you are damaged in the park and cannot find a third party, the insurance company will deduct 30% of the absolute deductible.

5. If there is no insurance accident during the insurance period, there is no preferential treatment for compensation when applying for insurance in the next year, on the contrary, if there is a record of insurance claims, the next year will not enjoy this discount, if the number of accidents is more, the amount of compensation is larger, the next year is not only not preferential but will rise, the specific proportion of the increase depends on the number of your insurance and the amount of compensation, in Jiangsu Province, generally six times, the insurance company will not underwrite.