Car Insurance: How to avoid risks through insurance

First of all, it is necessary to insure third party liability insurance. The sum insured of the three insurances ranges from 50,000 to 1 million yuan, and the higher the compensation amount, the higher the premium. But in fact, the gap is not big:

50,000,000 1,000,000 sum insured, corresponding to a premium of about 400,1500 yuan. Therefore, it is best for car owners to buy commercial third-party insurance in full as much as possible, and at least 500,000 yuan. In addition, it is important to have deductible-free insurance.

The commercial third-party insurance clause has a deductible clause, for example, a maximum of 20% deductible if the car owner is fully liable. This risk can be avoided by purchasing deductible-free insurance.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

The risks faced by the station are nothing more than their own and external!

Compulsory traffic insurance covers the maximum compensation of 10,000 yuan for the death or disability of others, up to 10,000 yuan for injury to others, and up to 2,000 for property damage caused to others. It can be seen that it is not enough at all, so you need to buy three insurance to supplement!

In addition, from your own, your own car and the people in the car, your own car can be covered with car damage insurance!

The people in the car, although there is insurance for the people and drivers on the car, but only 10,000 insurance, people are priceless, and they can't be cheaper than the car, so you need to buy some accident insurance, millions of the best, but not in the car insurance, you need to buy it from the insurance company, or the official website of the insurance company to buy it is sold!

Car insurance needs to pay attention to the following points:

1. Don't get out of insurance when buying car insurance;

2. Pay attention to the purchase time, generally you can buy car insurance after the new car gets the certificate, and the car insurance should be purchased within one month after the expiration of the car insurance of the previous year;

3. Choose the appropriate insurance program according to the individual's economic situation;

4. Choose the right insurance company;

5. Inquire about the terms of car insurance, such as some basic terms, exemption clauses, etc.;

6. When purchasing car insurance, check the terms of the claim, such as the speed of the claim, whether the compensation is paid first and then the car is repaired.

With the development of the economy, the number of motor vehicles is increasing. At present, motor vehicle insurance has become the largest type of insurance in China's property insurance business. Motor vehicle insurance already covers the majority of motor vehicle accidents, and China's Ministry of Communications has made it mandatory for car buyers to purchase motor vehicle insurance to ensure that the legitimate rights and interests of victims are protected in the event of a car accident.

For example, compulsory traffic insurance is an insurance for the purpose of guaranteeing the rights and interests of third parties. The more famous auto insurance companies in China include Chinese People's Property Insurance Co., Ltd., Ping An Insurance Company of China, Pacific Insurance Company, etc.

Legal basisArticle 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured deliberately causes a road traffic accident due to his or her fear. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

1.Only when the commercial insurance purchased by the vehicle has the corresponding vehicle insurance, such as car damage insurance, three-party insurance, etc., the commercial insurance company can bear the liability within the scope of insurance liability;

2.The compensation of the insurance company is based on the responsibility of the traffic police to determine the compensation, to the traffic police brigade to issue an accident identification, need to provide a compulsory insurance policy, according to the law, if the compulsory insurance has expired, then will face the amount of the fine double the premium of the compulsory insurance, and detain the vehicle;

3.Keep an eye on your insurance company's deductibles.

1. How to settle a claim for the other party's full responsibility escape? Change or nuclear team.

It is recommended to call the police, find the vehicle involved in the accident as soon as possible, and let the other party's insurance make compensation. If the other party does not cooperate, it can sue the insurance company of the other party's compulsory traffic insurance, and if there is commercial insurance, it can also sue the insurance company of the commercial insurance company together, and at the same time sue the infringer, first by the insurance company within the scope of the compulsory traffic insurance, and the commercial insurance company shall compensate within the scope of its insurance liability, and if there is still a deficiency, the infringer shall compensate.

2. How to pay the expiration of compulsory traffic insurance.

The process of compulsory traffic insurance is usually to bring the following information directly to the insurance company for re-application:

1. Driving license (original, copy, **, choose one of the three).

2. If the policyholder is an individual, he or she needs to provide: ID card (copy, **, front and back, choose one of the two).

If the policyholder is an enterprise: organization ** certificate (copy, **, choose one of the two).

Compulsory traffic insurance is a compulsory type of insurance by the state, which is to protect the victims of accidents, but because the insurance amount is too low, many people pay for third-party insurance premiums. However, in the third-party liability insurance contract, the insurance company will agree that it will not bear the liability within the scope of the compulsory liability insurance. Therefore, if the compulsory traffic insurance is not renewed when it expires, the owner of the car will face huge compensation in the event of an accident.

According to the provisions of China's traffic law, after the owner is found to have not insured the compulsory traffic insurance, he will be fined twice the premium, make up the compulsory traffic insurance, and detain the vehicle. Therefore, once you encounter the problem of what to do if the compulsory traffic insurance expires, you must renew the insurance as soon as possible, as long as the time of the insurance is not more than three months, you can still enjoy the discount.

Abstract]:Mr. Zhu, the owner of the car, plans to take the whole family back to his hometown in Shangqiu during the three-day holiday, so he wants to rent a seven-seat MPV. So he asked the professionals to give him some advice on renting a car.

To this end, the relevant service personnel of Dongfeng Nissan Zhengzhou Weijia franchise store gave the answer. If you want to enjoy the convenience and fun of renting a car, you must avoid the following four traps: 1. Contract traps:

At present, most car rental companies use their own form contracts. Some non-standard car rental companies will use their own information advantages to impose some unfair terms into the contract, such as unreasonable provisions in car damage, claims, theft, etc. Second, the car condition trap:

The cars offered by car rental companies are generally not new. If you encounter an irregular leasing company and do not regularly maintain and inspect the vehicle to keep the vehicle in good condition, the vehicle is prone to potential safety hazards. In this way, once the vehicle breaks down during the rental period, the liability is difficult to define.

3. Insurance traps: Under normal circumstances, car rental companies will purchase corresponding insurance products for rental vehicles according to their own risk needs. In the unfortunate event of an accident, the insurance company will assume the insurance liability according to the provisions of the insurance contract.

In order to save costs, some non-standard leasing companies only buy the most basic insurance. In the event of an accident, the consumer may be held responsible. Fourth, **Trap:

Some unregulated car rental companies rent private cars for rent in order to save costs. Due to the exemption of handling fees and taxes, the rental price of these vehicles will naturally be cheaper than that of regular rental companies. However, since the insurance company stipulates that private cars are operated on the road, no compensation will be paid in the event of an accident.

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

Combined with car insurance, first of all, we must confirm with the customer what the car insurance covers, what not to insure, in fact, many people buy car insurance every year, and do not necessarily know and understand, of course, we ourselves first need to be clear, after analysis, car insurance is a third party and the car, seat insurance for themselves and their families, often the amount is insufficient, you can also use the following figure to summarize and analyze, buy insurance for the car, but also to give insurance!

Third-party liability insurance should be more than 300,000 yuan.

In addition to the compulsory payment of compulsory traffic insurance, how should car owners purchase car insurance to meet their actual needs in terms of commercial insurance? Experts suggest that car owners should buy car insurance according to the specific situation and actual needs of the car, and buy less or even no insurance for unnecessary or cost-effective insurance. How do I buy car insurance?

One principle: to avoid inadequate protection, but also to avoid spending money and not getting it.

If you accidentally hit someone or a luxury car, the importance of third-party liability insurance immediately becomes apparent. According to the income level of residents and the corresponding level of death compensation, it is recommended that car owners set the insurance amount at 300,000 yuan or more when purchasing commercial third-party liability insurance.

The motor insurance portfolio provides comprehensive protection against risks.

For novices and new cars how to buy car insurance, experts suggest that you may wish to buy 8 major insurance combinations: compulsory traffic insurance + commercial third-party liability insurance (300,000 yuan) + car damage insurance + vehicle personnel liability insurance + theft insurance + glass insurance + body scratch loss insurance + deductible special insurance. This package is more comprehensive.

Experts emphasize that in the event of an accident with a non-motor vehicle or pedestrian, the combination of compulsory traffic insurance + third-party liability insurance is the most powerful protection**.

Comprehensive prevention and affordability are certainly conflicting;

Generally speaking, compulsory insurance must be bought, spontaneous combustion of new cars do not have to buy in the first year, generally the first year of spontaneous combustion manufacturers will pay, recommended to buy commercial insurance has body insurance, theft insurance, car personnel insurance (1 driver, passengers look at the type of car, if it is a 5-seater car is 4), glass insurance, the third party (20w, 50w, 100w optional), not counting free accompaniment. If you are in a place where there is a lot of rain, you also need to buy a wading insurance, in order to prevent the body from being scratched by hanging flowers, in addition, the others have no effect;

Haha, let me tell you, look for a life insurance salesman, the car insurance salesman wants to charge you a commission, because he depends on this to eat, and the life insurance salesman can charge less, because he eats more than this. Car insurance is chic to see**, to see if it is on the full insurance! The amount of insurance is also very important!

Like the three, there are 100,000, 150,000, and 200,000, and the amount of insurance is different, and the payment will definitely not be the same.