Why does car insurance only have no clauses?

Whether it is car insurance or life insurance, there are terms, you can ask the salesman who sold you car insurance, but the terms of car insurance are simple, even if they do not meet the terms, they can be more flexible than life insurance, so many people can accept car insurance and are not willing to pay for life insurance, is it expensive car or people? Is it more expensive to repair a car or more to retire? If you think about it, you can live together when you meet a reliable insurance professional, and you can pay attention to the message if you have insurance advice.

Only compulsory traffic insurance is a compulsory liability insurance stipulated by the state, for other types of insurance, the Jiangsu Insurance Industry Association has not issued any regulations requiring compulsory insurance, and commercial insurance is voluntarily purchased by car owners according to their own wishes and requirements. Read more:

No, I believe that most people will not read it carefully, just like signing a labor contract, who will read it carefully one by one.

Consumers when buying insurance. For the insurance products you buy, you should have a comprehensive understanding of the terms of the insurance, the responsibilities of the insurance, the deductibles, the claims and other core departments, so as to effectively protect your own interests. Only when you do this, can you know that the insurance you buy can play a role when it meets your needs.

But the reality is that the terms of the insurance are tens of thousands of words in full text, and the font is deliberately printed very small, very dense. The vast majority of people do not have the energy and time to have the patience to read these terms carefully. At the same time, the legal provisions are very awkward, and the obscure text also makes a lot of non-words.

Legal professionals, discouraged. Even if you read it, you can't understand it, it's like reading a book from heaven.

So a lot of people when they buy insurance. It is necessary to ask some legal professionals to help interpret the terms. Few people do this in real life.

Because there is a price to be paid for hiring a lawyer. Terms of insurance. It is written by a legal professional.

Some risk warnings are written on the very hidden side of the Jane, which is very speechless, but in fact, this is a disguised fraud of consumers. An insurance clause is an agreement between an insurance company and the policyholder on the rights and obligations of insurance. It is the core content of the insurance contract.

Theoretically, consumers and policyholders cannot ignore them because the terms of the insurance are too much. If there is something you don't understand, be sure to consult the insurance company and the insurance agent. From the attitude of the salesman and the insurance company towards the policyholder, it can also be seen whether the insurance company is professional and reliable? Believable?

If you buy car damage insurance, you have to buy additional tire glass and other types of insurance, which is the biggest unreasonable? Feelings I buy a car and don't include tire glass?

From July 1, 2006, the country will unify the implementation of compulsory traffic insurance, it is the abbreviation of "compulsory insurance for motor vehicle traffic accident liability", is a compulsory insurance that must be purchased for motor vehicles, and the insurance company will compensate for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicles, within the limit of liability. The national unified compensation amount is 60,000 yuan, including: death and disability (50,000 yuan), medical expenses (8,000 yuan), property damage (2,000 yuan), death and disability without liability (10,000 yuan), medical expenses without liability (1,600 yuan), and property loss without liability (400 yuan).

Compulsory traffic insurance provides basic protection against the risk of liability for damages to the victim caused by traffic accidents. For more diverse, higher and broader protection needs, consumers can voluntarily purchase commercial three-liability insurance and car damage insurance at the same time as purchasing compulsory traffic insurance. For example:

Many policyholders have purchased commercial three liability insurance, car damage insurance, additional theft insurance, deductible insurance and glass breakage insurance with a liability limit of 200,000 yuan. After the implementation of the compulsory traffic insurance system, consumers must first purchase compulsory traffic insurance after the expiration of the original chain insurance contract, and at the same time, they can also choose to purchase commercial three liability insurance of different grades of liability limits (such as 50,000, 100,000 yuan, 150,000 yuan or higher) on the basis of compulsory traffic insurance, as well as car damage insurance and various additional insurance, so that they have a higher level of insurance protection.

You can refer to Ping An's online promotion of compulsory traffic insurance

At present, the terms and conditions of car insurance for all insurance companies are uniform, formulated by the Insurance Association of China and approved by the China Insurance Regulatory Commission. The unified insurance clause is divided into three paragraphs: A, B, and C, and the insurance company chooses according to its own needs. The difference between clauses A, B and C is that the degree of protection for the insured is different, with paragraph A being the best, paragraph B being the second, and paragraph C being the worst.

Both B and C list the insurer's non-compensation if the insured does not bear the liability for the accident as a special clause, and C also lists the non-liability of attorney fees, litigation costs, appraisal fees, etc. as a special clause.

Each insurance company can only choose all A or B or C when choosing the insurance terms, that is, if one insurance company chooses A for car damage insurance, then other car insurance terms must also choose A.

Most of them are the same, and there are still differences:

Section A: 11 companies, including Sunshine, PICC, China United, Absolute Eradication of the Earth, Tianan, Yongan, Anbang, Huatai, Volkswagen, China Life Property Insurance, Tokio Marine, etc.

Section B: Ping An, Hua'an, Taiping, Yongcheng, Sunshine Agriculture, Dubang, Bohai, Huanong, Min'an, Ancheng, Allianz Guangzhou, Meiya Shanghai, Libao Mutual Aid Chongqing and other 13.

Section C: CPIC, Anhua Agriculture, Shanghai Anxin, Mitsui Sumitomo Shanghai, Bank of China Insurance, etc. 5;

1. The scope of compensation is different.

1. In terms of natural disasters, B has increased storms and tornadoes compared with A, and C has increased typhoons, tropical storms, snow storms, ice subsidence, and sandstorms compared with B. In the case of natural disasters, A has the narrowest scope of compensation and C has the widest coverage.

2. In terms of individual glass damage, A will not compensate for any separate glass damage, which will be solved by the additional insurance for glass breakage alone, and B and C will compensate for the damage to the separate sunroof glass. In terms of individual damage to the glass of the car damage insurance, A has the narrowest scope of compensation and does not pay at all.

2. The scope of non-compensation is different.

1. Both B and C expressly stipulate that when the insured motor vehicle party does not bear the responsibility for the accident, it will not compensate for the loss of the motor vehicle, while A does not have this provision. A is more beneficial to the insured, especially when the party responsible for the accident is a non-motor vehicle or a pedestrian, or although the responsible party is also a motor vehicle, the responsible party does not pay compensation. (Pay-as-you-go).

2. B expressly stipulates that parking fees, storage fees, detention fees and various fines will not be compensated; c. It is expressly stipulated that no compensation shall be made for attorney's fees, litigation costs, arbitration fees, fines, fines or punitive damages, as well as inspection fees, appraisal fees and appraisal fees without the prior written consent of the insurer. a does not have such a provision. Therefore, A is in the best interest of the insured and C is the least disadvantageous in this regard.

3. B does not compensate for the damage of the separate rear-side mirror or headlights, and A and C do not have this provision.

4. Water ingress into the engine.

There is a slight difference in the provisions of the exemption of liability, paragraph A stipulates "engine damage caused by water ingress into the engine", paragraph B stipulates that "the engine of the insured vehicle is damaged due to flooding or wading in water", and paragraph C stipulates that "the engine is damaged due to the use of the insured motor vehicle in water flooded with exhaust cylinders", of which paragraphs A and B are stricter.

3. The scope of exemption is different (third party).

The provisions of the three paragraphs are slightly different with respect to the exemption from liability for personal and property damage caused to family members.

Paragraph a: Exemption from liability for personal and property losses to the insured and his or her family members.

Paragraph B: Exemption from liability for personal and property damage to the insured and his or her family members. Paragraph c: Exemption from liability for damage to the property of the insured and the driver permitted by him/her.

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