Should I pay attention to car insurance? What do I need to pay attention to when making a car insura

Of course it's different!! I still remember when I was insured, I researched the car insurance claims ranking for a long time, which company was the fastest to the scene, which company lost money the fastest, etc. I used to see that the time for Ping An to close the case was relatively short, so I voted, and I don't remember it, although it was cheap, but some people on the Internet said that he dragged it out so much that I was useless.

If you have an accident while driving, you need to pay attention to the following points when reporting insurance: You must report the accident within hours, and there will be no compensation for more than 48 hours; 2. The second ignition of the car with water is not compensated; 3. No compensation is made when there is no annual inspection of the vehicle; 4. Bumping into one's own family members does not belong to third-party liability insurance.

If there is no person after the accident, you should call 110 to report the case, wait for the traffic police to issue a letter of responsibility for the accident, and then report to the insurance company after the processing is completed. Wait for the insurance company to send someone to deal with and assess the damage, and then go to repair the vehicle. Finally, submit the materials for the claim.

Generally speaking, it will be faster to buy directly through the insurance company, and it will be slower through other means, for example, many people will buy it in 4S stores, which is more worry-free, but in fact, it will be a little worse if you calculate the time. For example, my friend and I voted for Ping An at the same time, I bought it online, and he bought it in a 4S store, which was a few hundred yuan more expensive than me. We had an accident two weeks apart, and his money came down at the same time as mine.

However, he lost more money than me, and the gap is not very large, so I think the speed of the claim settlement is still more related to these, LZ has time to study it himself.

Each insurance company's claims policy is different. Which insurance is more cost-effective, you can go to your 4S store, find an insurance reception, and let them recommend you.

The same insurance company has different claims policies in different places, so it is better for you to ask your local area.

Most of them are the same, and even if it's the same insurance company, what you need to offer in different regions will be different.

The reason why insurance wants to buy a large company, in fact, the main reason is that the claims of large companies are better than others, just imagine that a company collects money very quickly, and when you really have an accident, can you stand it for two or three months? There are so many insurance companies now, why those big ones have always been among the best, there must be a reason. A lot of my friends around me are safe people, and I asked at the time, and they told me that it is always okay to go with the crowd.

Can you really read the car insurance mess?

1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy. It is important to remind you that the insurance card of many insurance companies is no longer used as a claim certificate.

2. It is very important to report the accident in time, especially for major accidents. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only apply for short-term compulsory traffic insurance, and there is a specified route and time, and the insurance company does not assume the liability for compensation for accidents that occur outside the specified road slow return line and time.

4. When the vehicle is out of danger in a different place, it shall be reported to the insurance company in time, and the damage assessment personnel at the place of accident shall conduct investigation and damage assessment on behalf of the company. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he should sign the power of attorney in person and report to the insurance company for the record. Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests.

Article 11 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that when the insured person applies for insurance, he shall truthfully inform the insurance company of important matters.

Important matters include the type of motor vehicle, make and model, identification**, license plate number, nature of use, and the name (title), gender, age, residence, ID card or driver's license number (organization**) of the owner or manager of the motor vehicle, the accident of the motor vehicle before the renewal of insurance, and other matters stipulated by the insurance regulatory authority.

1. After the car has a traffic accident, the owner should report the accident to the insurance company within 48 hours. If you report the case after 48 hours, it is very likely that the insurance company will refuse to pay;

2. After the car has a traffic accident, the owner should protect the accident scene. If the scene of the accident is destroyed, then the insurance company may only pay 70%;

3. After the insurance company's loss assessor assesses the damage, the owner should go to the designated repair shop to repair the car according to the list on the damage assessment form. If there is no damage assessment to repair the car, the cost of repairing the car needs to be borne by the owner;

4. After a traffic accident occurs, do not take responsibility for the accident at will. Some car owners think that there is an insurance company to pay, so they take all the responsibility, which is actually a wrong approach, because the insurance company has formulated different compensation ratios according to the weight of the car owner's responsibility.

5. After the car has a traffic accident, the owner must first claim from a third party, and then apply to the insurance company for compensation. If the owner waives the right to claim compensation from a third party and makes a claim directly to the insurance company, the insurance company will refuse to pay.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

How to check car insurance:

1. Inquire through the network.

Now that the Internet has become ubiquitous, many things are done through the Internet. Now the regret is scattered in many people have already inquired about the details of car insurance through the Internet, like Shunyi easy to check. Just open WeChat and search:

Shunyi is easy to check, enter the frame number to know the record of the vehicle from the date of purchase to the present, which accidents have been had, the number of distresses, the amount of claims, the name of the claim, the type of claim, etc.

Online inquiries can save a lot of time and energy for car owners, so that car owners can understand questions about car insurance without leaving home. Enter your own vehicle information, you can quickly see all types of vehicle insurance costs, so that people can understand their strong insurance content in detail.

2. Inquire through **.

Not only can you check the details of all vehicle insurance, but you can also buy insurance, which is a method that many people use nowadays. Since some insurance companies sell vehicle insurance directly, insurance companies sell many insurances. It is quite convenient and fast to insure your car and inquire about vehicle insurance through **.

Nowadays, many insurance companies have this kind of service, and this kind of service of Ping An Insurance Company is now very popular with people.

3. Check by going to the staff of the insurance company.

This is the most direct and effective way to inquire about the details of vehicle insurance. This method can better communicate with the staff of the insurance company, so that the owner of the vehicle can understand all the conditions of the vehicle more thoroughly.

Notes on Claims:

1. Report the case in a timely manner. After a traffic accident, the owner of the car should protect the scene, report to the insurance company within 48 hours, truthfully state the accident, provide the insurance policy, wait for the insurance company's investigators to investigate the scene, and fill in the "Claim Application".

2. Understand the scope of refusal and exemption.

3. If the loss is too small, it is not appropriate to make a claim. Because when renewing car insurance, the insurance company has a premium preferential clause, that is, the vehicle has not been insured for one year, and when the vehicle is renewed in the second year, it can enjoy a premium discount of about 10%, and if there is no insurance record for several consecutive years, the premium discount can reach about 30% at most.

The precautions for claiming car insurance after a traffic accident are generally as follows: 1. The parties should report to the insurance company in a timely manner; 2. The time, scope and performance method of claim negotiation should be clear and specific; 3. The insurance company may refuse to compensate for the property loss of the traffic accident caused by the statutory exemption from liability.

[Legal basis].

In any of the following circumstances, the Public Prosecutor of Insurance 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 drunk; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. 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.

Article 27 In the event of a road traffic accident involving an insured motor vehicle, and the insured or victim notifies the insurance company, the insurance company shall immediately give a reply and inform the insured or victim of the specific compensation procedures and other relevant matters.

People who have a car will more or less buy car insurance for their car, but there are so many car insurance, what is compulsory traffic insurance, car damage insurance, three insurance, wading insurance, ......Just hearing the name gives me a headache,How should you choose? This strategy must be read carefully: What are the types of >> car insurance?

Do you want to buy them all?

1.Understand the claim process and claim materials in advance

Although the claim process of many insurance companies may be different, it generally includes these processes: report - survey and assessment of losses - verification of losses - submission of claim materials - repair of the car - receipt of compensation. It is worth noting that if there is a traffic accident, you must report it to the insurance company as soon as possible, ifNo report for more than 48 hoursInsurance companies are OKNo payoutsTarget.

Whether it is a unilateral accident or a two-party accident, whether it is a small collision or a personal injury, these basic claim materials need to be provided, most of which are the identity certificates of both parties and the description of the accident scene: the accident report form, the claim application; Original insurance policy; Liability determination, accident mediation, judgment, accident certificate; Copies of driving license and driver's license (original and copy); A copy of a valid ID card, etc. To learn more about the claims process and the different types of accidents, check out this article

> super complete! A detailed explanation of the fast claim process and claim information of car insurance!

2.Small loss claims are not worth it

Some car owners have to go to the insurance company for claims even if it is a little scratch, which not only wastes time, but also increases their own claim rate, because the insurance company will specify a certain discount every year according to the owner's insurance rate, and the number of claims is more, and the premium for the next year will naturally increase, so if it is a small loss, the car owners can repair it by themselves to avoid increasing their own claim rate, of course, if it is a big loss, you must find the insurance company to make a claim.

3.Pay attention to the preservation of evidence in the event of an accident in another place

When going out of insurance in a different place, if the problem is not serious, first call ** to the insurance company for the record, and take a mobile phone to shoot the scene, keep the evidence, and then proceed to the next step according to the customer service instructions of the insurance company. It is best to install a dash cam on your own car, it is not expensive, a few hundred yuan is available, no matter what accident happens, it is convenient to leave evidence in case of emergency.

In addition to caring about car insurance claims, car owners are more concerned about the ** of car insurance, so some people only need one or two thousand to buy car insurance, while some people spend six or seven thousand, the difference is in**? Here's the money-saving strategy: >> buy too much and waste it, and buy less and suffer a loss!

How much does it cost to buy car insurance a year?

It is important to note that the doctor confirms that the medical record is correct when prescribing it.

Because there are more people who have cars, there are more people who buy car insurance, but because many car owners do not know enough about car insurance claims, it is easy to cause some losses to themselves. Before you begin, you can take a look at the relevant information about the claims process: How does the insurance company pay for a car accident?

Fast claims process for car insurance

1. Pay attention to the danger in other places

If the problem is not serious, you can first notify the insurance company for the record, and then drive the car to the repair shop for repair. If a major traffic accident occurs, first of all, it is necessary to protect the scene, and immediately report to the local public security traffic management department, and at the same time get in touch with the local insurance company, and notify the underwriting company within 48 hours, explaining the policy number, time, place, reason and process. After the accident, if you choose to go private, there is no insurance company's damage assessment certificate, and if there is a problem, you will not be able to get compensation.

2. Pay attention to the need to report the case in a timely manner

In case of vehicle theft or other non-road traffic accidents, you should report to the traffic police department in time and notify the insurance company at the same time. In the unfortunate event of a road traffic accident, you should stop immediately, protect the scene, rescue the injured and property, report the case to the public security traffic management department immediately, and notify the insurance company. After the accident is handled, you can bring all the relevant documents to the insurance company to claim compensation.

Remember to report the accident to the insurance company that covered the vehicle within 24 hours. If it is an accident such as a vehicle hitting a wall, or hitting a step or cement pillar, you can simply report it to the insurance company.

It is necessary to pay attention to the collection of proof and materials related to the nature, cause, and extent of the insured accident, which are important for the settlement of claims. When the car owner is looking for a rescue company to tow the car or repair the car at the repair shop, it is necessary to communicate with the car insurance company in a timely manner, so as to avoid the price offered by the other party and the compensation amount of the car insurance company being too far away.

3. Pay attention to the materials required for claims

Of course, don't forget to provide the insurance company with the insurance policy, the notice of the accident, the accident certificate of the insured vehicle, the liability certificate, the invoice and its list of repair costs and rescue costs, the accident mediation letter and related expense documents involving the property damage of a third party, and the personnel **, and sometimes the insurance company will also require a copy of the driver's license and ID card.

Finally, if you still have questions about the relevant matters of claims, you can call the car insurance company for detailed consultation, the official websites of the major car insurance companies and **I have sorted it out for you, you need to mention: 2020 Top Ten Car Insurance Companies** and the official website