In terms of car insurance, I don t know what your advantages are over PICC?

1): What are the advantages of PICC car insurance over CPIC car insurance and Ping An car insurance?

Answer: In the claim information is complete, the case is clear, and the claims within the scope of insurance liability are similar. The auto insurance industry is highly competitive, so the three leading insurance companies have their own advantages, and they use different auto insurance terms and services.

It depends on where your car is being used and what kind of service you need.

Question (2): What are the disadvantages of PICC car insurance**?

Answer: 1. There will be ambiguity: For example, if you want to buy insurance, the insurance company will send a policy according to the address provided by the customer, and the customer will fill in the relevant information and send it back to the insurance company after receiving the policy, which means that the policy has taken effect.

The insurance company will deduct the premium from the customer's credit card on a one-time or monthly basis.

Question (3): How about PICC car insurance?

A: PICC car insurance is very good. PICC promised to lose vehicles below 5,000 yuan during the "Customer Day" period of Chinese Insurance from May 18 to July 18; Compared with traditional car insurance, the cost of intermediate expenses such as salespeople and ** people is canceled, so it can be reduced by 15% compared with traditional car insurance commercial insurance.

Q4: What are the benefits of Chinese People's Insurance?

A: No matter who we are, we all have a common desire for ourselves, our relatives and friends to have a bright future, because peace and happiness are the eternal pursuit of human beings. Yet"The moon is cloudy and sunny, and people have good and bad luck"In the long journey of life, people will inevitably encounter such and such risks, such as birth and disability, death, and so on.

In terms of car insurance, PICC still has the strongest advantage, and Ping An has done a better job in promoting car insurance than PICC.

When we buy a car, we inevitably have to buy insurance. The choice of car insurance is also a headache for us, with more than a dozen insurance companies and more than a dozen types of commercial auto insurance. After all, choosing a good car insurance company has good service, warm attitude, and quick claim settlement.

PICC Property & Casualty Insurance PICC, full name: Chinese People's Property Insurance Shares****. Founded on October 20, 1949 and headquartered in Beijing, the company is a large state-owned property insurance company with large business scale and strong comprehensive strength in China, and its premium scale ranks among the top in the global property insurance market.

PICC car insurance covers the following three points:

1. Complimentary service.

2. Claim settlement speed; In cases below 5,000 yuan, there is no personnel**, and the compensation can be received in 1 day at the earliest. Exclusive services such as remote insurance, on-site claims, free rescue of faulty vehicles, and accident car custody.

3. About domestic outlets; As a state-owned enterprise, it has many domestic outlets, claiming to be the company with the most domestic auto insurance service outlets, which can cover fourth- and fifth-tier cities and even villages, and it is 7*24 hours a day of compensation, with a high degree of experience. Moreover, the insurance terms are more friendly, the protection is more comprehensive, and the claim settlement speed is also fast.

When we have a collision, a car accident, we should do the following 5 things:

2. The insurance company will send staff to the scene of the accident investigation and loss confirmation, and the car owner should assist the insurance company personnel or the professional organization entrusted by it to conduct an investigation and collect evidence. At the same time, fill in the notice of insurance (claim application), issue a claim notice, and jointly determine the repair method and cost of the damaged property.

3. To submit the claim materials, please submit all the materials required for the claim according to the claim instructions notified by the company in writing, and submit the claim materials in a timely manner.

4. Calculation and review of compensation: In the case that the submitted claim materials are true and complete, PICC will carry out accurate calculation of insurance compensation and internal audit of compensation in accordance with the provisions of the insurance contract and relevant laws and regulations, and reach a final compensation agreement with the car owner.

5. Receive the compensation and pay the compensation to you according to the agreed payment method and the insurance contract.

It is headquartered in Beijing. It is a large state-owned property insurance company with a long history, large business scale and strong comprehensive strength in China, and its premium scale ranks among the top in the global property insurance market.

1. Claim settlement speed After the accident, you must report to the PICC car insurance company within 48 hours (more than 48 hours, the car insurance company can refuse to settle the claim), and after the report, the PICC will send the investigation institute to conduct on-site investigation and damage assessment, and then give you a damage assessment form, and the PICC will issue compensation within 10 days after the review is passed. Moreover, PICC will pay compensation within one hour for cases below 10,000 yuan, which is very convenient and efficient.

2. Bonus Service This service is a free service provided by various car insurance companies to consumers. PICC's more distinctive bonus services mainly include the following:

Simple "speed" claims: "speed" service of first payment and then car repair; The "double exemption" service of no need to fill in documents and no accident description.

It is easier to enjoy the service: nationwide claims, exclusive electronic survey and claims; Free 50 kilometers of rescue services (excluding material costs) for broken down vehicles nationwide (except for some traffic management sections).

Rich value-added services: annual vehicle inspection and driver's license annual review; Pay fines for violations, drunk driving and other services; Free or discounted car wash service.

Extended information: 1. When buying car insurance, choose the right one for yourself When buying commercial car insurance, many people will blindly buy the car insurance recommended by the salesperson, which will make you waste a lot of money in vain. For example, spontaneous combustion insurance, there is no need to buy a new car you just bought, because all parts of the new car are new and are all within the warranty period, so there is no need to buy spontaneous combustion insurance. In the unlikely event of spontaneous combustion that is not due to human factors, the manufacturer will pay for it.

2. Pay attention to the scope of protection (exemption clause) The so-called coverage is what happens and the insurance company pays compensation; What are the circumstances in which the payout will not be paid? You must pay attention when buying car insurance to avoid claims disputes in the future. Taking scratch insurance as an example, the scratch insurance coverage liability is:

If the paint on the surface of the insured vehicle is scratched separately without obvious collision marks, the insurance company shall be responsible for compensation according to the actual loss.

3. Car insurance** Each type of car insurance** has a corresponding calculation formula, which is uniformly stipulated by the China Banking and Insurance Regulatory Commission across the country. For example: car damage insurance premium (basic premium vehicle purchase price * rate) * preferential coefficient, glass breakage insurance premium = new car purchase price * rate.

The preferential coefficient depends on the specific company's situation, and the preferential policies (coefficients) and free services of different companies are different, which will lead to the specific ** difference in car insurance (under the same car insurance plan), but the difference is not big.

Garbage insurance, I bought PICC car insurance last year, promised to give away 24 car washes, used once, the rest either said expired (when receiving the coupon showed that it could be used within a year, and then became a month for no reason), or was tampered with and changed to someone else's license plate number, 24 car washes, only used once, nothing else can be used, it's too cheating, don't buy PICC insurance, fraud.

Pretty good. 1-hour notice of compensation, on-site claims, remote insurance, free rescue of faulty vehicles, accident car custody and other exclusive services of insurance car insurance, but also support online insurance, free door-to-door service.

It is a kind of insurance worth starting, the insurance is very good, and you can get the corresponding compensation for anything, which is a protection for yourself and your family.

PICC car insurance is still very good, and it doesn't cost too much money to get insurance, which is still relatively cost-effective.

This insurance is still relatively good, and it has always had a very good reputation, and it is more appropriate, so everyone also likes it.

Car insurance is very good, so that you can get a claim in case of a situation.

The ratio of insurance to banks.

Bank advantages: 1. Flexible access 2. There is a relatively stable interest (theoretically, it must be deposited in accordance with the 5-year fixed deposit and then transferred, otherwise it will not be as good as CPI) 3. The chain is relatively safe (compared to **,**,**), but once there is any emergency, it is easy to be sealed, disadvantages: 1. It is too flexible so it is difficult to achieve the ultimate financial goals, especially the medium and long-term financial goals (such as children's education funds, pensions, etc., which may be misappropriated by special circumstances - business, car purchase, house purchase, Friends are in a hurry, etc.).

2. Once the fixed deposit is not matured and withdrawn, the interest will be according to the current current demand rate, and the bank's money will shrink slowly in the current CPI situation - the purchasing power is declining.

3. In some special circumstances, the money deposited in the bank may be sealed (when being sued, investigated by the public procuratorate, economic disputes, or even divorce, and may even be hacked (such cases abound).

Insurance disadvantage 1, it is convenient to save money, it is inconvenient to withdraw money, and there will even be a big loss when surrendering the policy.

2. I can't read the terms of the insurance, and I am worried that the bamboo basket will be empty (insurance with illness, especially the purchase of medical serious illness insurance), and the insurance company will even cancel the agreement and not refund the premium.

3. The time limit for receiving is longer, and it is generally 20 or even 40 years later.

Advantage 1, special funds for compulsory savings to complete the medium and long-term financial planning (education funds, pensions, return of serious illnesses) while taking into account the management of risks, the risk of dispersion and marrying to the insurance company, to avoid personal accidental disease risks and affect the quality of life of the family.

2. Participating insurance can resist inflation and interest rate fluctuations to a certain extent (but this must be based on a certain principal + time + interest rate + continuity), and at the same time, the function of maintaining and increasing value can be achieved through the compound interest calculation of insurance.

3. Ensuring the security of funds (truly realizing the separation of enterprise assets and family assets) is the focus of every entrepreneur in the 21st century. This is what we commonly refer to as the firewall function of insurance.

4. To truly realize the preservation of personal assets, in accordance with the provisions of the Insurance Law, no unit or individual may interfere with the beneficiary's receipt of insurance claims. This is funds that are not frozen.

5. Convenient and timely cash flow – provide low-interest (or even interest-free) loans for the wealthy. As long as you have saved enough premiums in the insurance upfront, then you will be given a cash flow loan when you need it urgently.

6. Realize the function of tax avoidance, and truly realize the inheritance of wealth, so that the rich and the three generations can achieve it.

7. The most important protection function (birth, old age, sickness, death, disability) can get a lot of compensation once it happens, although no one wants to take it, but it is better to hold it than nothing!

I hope it will help you to buy insurance or save money in the bank in the future!

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

PICC and Ping An Auto Insurance.

Which is better? From the perspective of car insurance, it is the most widely used in car insurance. Car damage insurance compensates for the loss of the vehicle itself, whether it is a small scratch or a more serious damage, etc., the insurance company will pay for the repair, so car damage insurance has also become a car insurance that every car owner must choose.

In terms of car damage insurance, there is basically no difference between PICC and Ping An. What needs to be reminded here is that car damage insurance is not the higher the protection, the better, the timing loss of the insured vehicle when it is out of danger, which is the principle of compensation by the insurance company, and if the insurance amount is too high, for the car owner, you need to pay a higher premium. As far as PICC and Ping An are concerned, the final choice of which one to choose is still to be decided based on the driving experience of the car owner and the natural environment in which he often drives.

For novice car owners, who have just got the driving book, it is easier to bump into the situation, so at this time you can choose Ping An Insurance. If the owner often drives in places with more natural disasters, at this time you can choose car insurance that has greater protection in this regard, so that the car insurance you choose according to your actual situation will help you the most.

It's not easy to say this if you want to send a rabbit directly, cough cough, let's compare it.

I think it's good to take care of people, after all, it's a big company, and my car appeared in an hour and paid out very quickly

It's all very good, which one offers more, and you can also ask if there are any giveaways.

These two services are pretty much the same, and there is not much difference.

Yes, the premium is similar, and the policyholder can choose at will.

It's all pretty much the same, depending on your own.

Chinese Insurance and Ping An are both big domestic insurance brands, who is better? Just look at the rankings" and "Newly released 2020 latest top ten auto insurance company rankings ** points! 》

First, the size of the company

1. Who has a thicker family background?

According to public information, the registered capital of Chinese Insurance is 100 million yuan, and the total assets are 100 million yuan. Looking at Ping An of China, its registered capital is 100 million yuan, its total assets are 714 billion yuan, and its total assets are more than 100 billion yuan more than PICC.

On the whole, the small coffers of the two companies are very sufficient, and the safe ones are more dazzling in comparison.

Chinese currently has about 10,000 branches and service outlets, with a township coverage rate of 98%, while Ping An is more than a little worse in this regard, and the institutional network is less than half of PICC.

2. Claims service

Let's take a look at the claims service of Chinese car insurance first:

2.Online consultation, waiting all day.

3.Car insurance documents, four reductions.

No photocopying: If it is really necessary to submit three certificates, the submission method is completely electronic and no photocopying is required; Gradually implement the "one-card claim" based on ID card only.

Document-free: For small car damage cases below 2,000 yuan, customers do not need to provide car repair invoices; The accident case is clear and accident-free certificate, meteorological disaster is exempt from meteorological certificate, and the insurance company can obtain the claim materials without the customer.

Let's take a look at Ping An Auto Insurance

Claims Services:

Pay first and then repair the car, making car insurance claims simpler;

Accident in other places, local claims;

Simple accidents, self-help claims, 15 minutes damage assessment;

During peak hours, congested road sections, and small cases were quickly evacuated from the scene.

>> overall, Chinese Insurance Company's service is more comprehensive, thoughtful and convenientOf course, buying insurance not only depends on the insurance company, but also the suitability of the product itself is the most important.