Due to the complex road traffic conditions, fast vehicle speed or natural disasters, vehicles are prone to accidents, resulting in vehicle damage, property loss or casualties. According to statistics, in 1999, the national public security traffic management departments accepted a total of 4 13000 road traffic accidents, resulting in 84,000 deaths (one person died in a car accident every six minutes on average), 286,000 injuries and direct economic losses of 21200,000 yuan. It's really a car accident worse than a tiger! Although warnings of safe driving can be seen everywhere, the occurrence of car accidents can not be completely avoided, which has brought personal injury and property losses to the perpetrators and victims. In order to protect the interests of the victims of traffic accidents (especially to ensure that the victims of third parties can get timely medical care), most local governments now regard third party liability insurance as compulsory insurance for motor vehicles. Without this insurance, the vehicle can't get the license plate and annual inspection. For car owners and users, if they insure their cars, they can get compensation within the scope of insurance liability after the accident and avoid huge economic losses caused by car accidents.
2. Who can buy insurance for vehicles?
Owners, contractors, custodians, users and other stakeholders of vehicles can purchase insurance for vehicles.
3. What are the insured, the insurer and the third party?
The insured generally refers to the owner guaranteed by the insurance contract, that is, the owner registered on the driving license.
An insurer is an insurance company, and in auto insurance, it is an insurance company with the right to operate auto insurance.
In an insurance contract, the insurer is the first party, also called Party A; The insured or the injured person is the second party; In addition to the insurer and the insured, the victim who suffers personal injury or property loss due to the accident of the insured vehicle is a third party, that is, a third party.
4. Do the insured and the insured have to agree? What effect will it have if it is inconsistent?
The applicant refers to the unit or individual who has entered into a contract with an insurance company and has the obligation to pay insurance premiums, that is, the person who handles insurance and pays insurance premiums.
If the owner insures his car, the insured and the insured are the same; If another person insures a vehicle that does not belong to him, the insured is inconsistent with the insured. Both cases are allowed by the insurance company.
The inconsistency between the insured and the insured will have two effects: on the one hand, the insured has no obligation to pay the insurance premium, and the insurance premium will be borne by the insured, that is, whoever insures will pay the insurance premium; On the other hand, when the vehicle is partially lost, the insured can claim compensation from the insurance company. In the case of total loss of vehicles (such as stolen vehicles, collision scrapped vehicles, etc.). ), the insured must claim compensation from the insurance company, and the insured does not have this right. There is no difference between the above two aspects when the applicant and the insured are consistent.
5. What is the purchase price and insurance amount of the new car?
The purchase price of a new car refers to the price of a new car of the same type as the insured vehicle at the place where the insurance contract is signed (including the vehicle purchase surcharge), which is the basis for determining the insurance amount when insuring.
The insured amount refers to the actual insured amount of the insured subject matter specified in the insurance policy, and it is also the maximum limit for the insurance company to undertake compensation obligations.
6. Why can only the old car be insured with vehicle loss insurance according to the purchase price of the new car, and the compensation can be calculated according to the actual repair cost if part of the loss occurs in the vehicle loss insurance?
Because no matter whether it is a new car or an old car, new parts need to be replaced during maintenance, that is, the maintenance cost of a new car and an old car after damage is the same. If the body loss insurance is insured according to the actual value, the premium of the old car is obviously less than that of the new car, which is unfair to the users of the new car.
7. Can the vehicle be insured repeatedly?
Double insurance means that the same car is insured by two or more insurance companies respectively. Double insurance can only get one compensation. Article 40 of the Insurance Law stipulates that in double insurance, the sum of the compensation amount of each insurance company shall not exceed the purchase price of a new car. Therefore, never use multiple copies of the same auto insurance to insure the same car. Otherwise, part of the premium will be wasted and no compensation will be obtained.
8. Can the vehicle be over-insured?
Overinsured means that the insurance amount is higher than the purchase price of the new car, but it can't be compensated. Because the insurance law stipulates that the insurance amount shall not exceed the purchase price of the new car. If it exceeds the purchase price of a new car, the excess will be invalid.
9. What is insufficient insurance? What are the consequences?
Under-insurance means that the insurance amount agreed in the insurance contract is lower than the purchase price of the new car, and the consequence is that after some losses occur in the vehicle loss insurance, the insurance company will bear the liability for compensation according to the proportion between the insurance amount and the purchase price of the new car, that is, proportional compensation. The insurance company will not compensate in full according to the actual loss, but according to the ratio between the actual loss multiplied by the insured amount and the purchase price of the new car.
10. Why did the insurance company pay less compensation than the actual cost of the car accident?
The reasons for this are as follows:
● After the accident loss is confirmed by both insurers, a certain amount will be deducted according to the responsibility and deductible of the driver of the insured vehicle in the accident: 20% of the compensation amount will be deducted for those who are fully responsible for the accident and those who cause the accident unilaterally; If you are mainly responsible for the accident, deduct 15% of the compensation amount; Take equal responsibility for the accident and deduct10% of the compensation amount; Take secondary responsibility for the accident, and deduct 5% of the compensation amount.
● After the insured vehicle has an insurance accident, the insurer is not responsible for its parking fee, storage fee, fare deduction and various fines.
● Car damage insurance is not fully covered. In case of partial loss, the insurance company will calculate the compensation according to the actual loss multiplied by the proportion of the insured amount and the purchase price of the new car, and the difference will be borne by the insured.
● The actual loss amount is greater than the insured amount or compensation limit. The insurance company shall not compensate for the losses that exceed the insured amount or compensation limit.
● Expenses beyond the compensation scope, items and standards stipulated in the Measures for Handling Road Traffic Accidents.
● The accident of the insured vehicle causes the insured or a third party to stop business, stop driving, cut off electricity, water, gas, production and communication, and other indirect losses;
● Other losses not covered by the insurance liability stipulated in this clause.
Because of the above situation, the compensation paid by the insurance company will be less than the actual expenses paid by the car accident. As the insured, measures can be taken from the following aspects to reduce the amount of self-insurance in accidents:
● Insurance does not include special insurance without deductible.
● Insure car damage insurance according to the purchase price of new cars.
● Choose a higher insurance amount or limit.
● During the accident handling process, the expenses required by the third party beyond the compensation scope, items and standards stipulated in the Measures for Handling Road Traffic Accidents shall be reduced or not paid as much as possible.
12. What is the preferential treatment without indemnity? What are the conditions for getting preferential treatment for free?
In order to encourage the insured and their drivers to strictly abide by the traffic rules and drive safely, the insurer implements deductible concessions. If the insured vehicle has no claim during the insurance period of the previous year, it can enjoy the preferential treatment of reducing the premium without claim when renewing the insurance, and the preferential amount is 10% of the premium payable for renewing the insurance this year.
Conditions for obtaining preferential treatment: 1, and the insurance period must be one year; 2. There is no indemnity during the insurance period; 3. Renew the insurance before it expires.
(2)
1. What kinds of vehicle insurance are there?
Are there any specific requirements when choosing insurance? According to the scope of protection, vehicle insurance is divided into basic insurance and additional insurance. Basic insurance refers to vehicle loss insurance and third party liability insurance, each with additional risks: vehicle theft, broken glass, spontaneous combustion loss and new equipment loss insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured; Vehicle liability insurance, no-fault liability insurance and vehicle cargo drop liability insurance are additional risks of third party liability insurance, and these additional risks can only be insured after the third party liability insurance is insured; Excluding special insurance, vehicle loss insurance and third party liability insurance, it must be insured at the same time.
Main insurance vehicle loss insurance third party liability insurance
Additional risks: auto theft, glass breakage, on-board liability insurance, no-fault liability insurance,
Keywords spontaneous combustion loss insurance, new equipment loss insurance, vehicle cargo drop liability insurance,
Special insurance excluding deductibles
The above is the choice of auto insurance in other parts of the country except Shenzhen, but in Shenzhen, the situation is different. The basic insurance of Shenzhen auto insurance includes vehicle loss insurance, third party liability insurance, driver's seat liability insurance and passenger's seat liability insurance, among which the third party liability insurance, driver's seat liability insurance and passenger's seat liability insurance must be insured at the same time, and vehicle loss insurance can only be insured on the basis of these three types of insurance; The additional risks of Shenzhen auto insurance include car theft, front and rear windshields bursting respectively, no-fault loss compensation insurance, spontaneous combustion loss insurance, new equipment loss insurance, special risk regardless of odds, duty-free vehicle liability insurance and cargo liability insurance, all of which can be insured on the basis of basic insurance.
2. Do I have to buy vehicle loss insurance?
Vehicle loss insurance is responsible for compensating the loss of the vehicle itself caused by natural disasters and accidents. This is the most important insurance in auto insurance. The cost is not much, but it can be greatly guaranteed. Generally speaking, for imported cars and domestic cars, if the car age is not too long, or the driver's skills or driving habits can not provide a high guarantee for vehicle safety, it is best to buy this insurance. If you don't cover this risk, you will have to pay for the repair after the collision, which may be thousands, tens of thousands or even hundreds of thousands of yuan.
3. What is third party liability insurance?
The third party liability insurance is responsible for compensating the personal injury or direct property loss of the third party caused by the accident of the insured vehicle, and the insurer shall compensate according to the provisions of the insurance contract. It is most necessary to take out this insurance. The biggest fear of driving is crashing into people. Not counting the loss of your own car, you have to spend a lot of money to repair and treat others. If you take out this insurance, you can get higher protection by spending one or two thousand yuan. In order to protect the legitimate rights and interests of victims, most local governments list third-party liability insurance as compulsory insurance. If you don't buy this insurance, the car will not be licensed and will not be inspected annually.
4. What insurance can make up for the loss of stolen vehicles?
In the case of vehicle theft and emergency rescue, this type of insurance is responsible for compensating all the losses caused by vehicle theft and robbery, as well as the losses caused by vehicle damage or loss of vehicle parts during the period. If you have had a painful experience after a thief stole your wallet, you will understand that once your car is stolen and robbed, it will not only cause you huge economic losses, but also be extremely sad. In order to avoid this situation, it is recommended to install an anti-theft device for your car (which can reduce the risk of theft, but can not completely avoid theft), and at the same time, insure the car against theft (in case your car is stolen, it can make up for your economic losses to comfort).
5. Does the third party liability insurance also cover the protection of the personnel on board?
No, in order to ensure the safety of the people on board, you also need to insure the liability insurance on board. This type of insurance is responsible for compensating the casualties (including drivers and passengers) caused by accidents and the loss of goods carried by vehicles.
6. How to understand no-fault liability insurance?
No-fault liability insurance refers to traffic accidents between motor vehicles, non-motor vehicles and pedestrians, causing personal injury and property losses to the other party. Although the insured vehicle is not at fault, according to Article 44 of the Measures for Handling Road Traffic Accidents, the insured shall still bear the economic compensation of 10%. For the economic compensation exceeding 10%, if the expenses paid by the insured for rescuing the wounded cannot be recovered, the insurer shall also be liable for compensation within the insurance compensation limit. The sum of 10% and more than 10% of the insurer's liability and deductible shall not exceed the maximum compensation limit.
7. After taking out the vehicle (cargo) liability insurance, will you get compensation if the goods on the car fall and cause other things to be damaged?
Other things are damaged due to falling articles on the car, which belongs to the category of liability insurance for falling articles on the car, that is, the insurance company compensates others (that is, the third party) for personal injury and property loss caused by falling articles on the car.
8. Is there a separate insurance policy designed to protect broken window glass?
In the national terms, glass breakage insurance is a kind of insurance specially designed for front and rear glass and window glass; However, in the Shenzhen clause, there is no insurance designed specifically for the window glass, but the front and rear windshields designed separately for the front and rear windshields burst respectively.
For separate glass breakage insurance, other parts of the vehicle are not damaged during parking or use, only the windshield and window glass are broken separately, and the insurance company is responsible for compensation. It is necessary to buy this insurance for high-end cars.
9. What is the loss insurance when the vehicle is parked?
Vehicle stop loss insurance is responsible for compensating the insured vehicle for the damage caused by the insured accident and the loss caused by stop. The insurer shall, within the repair time agreed by both parties, calculate the compensation according to the daily compensation amount agreed in the insurance policy multiplied by the actual number of days from the date of repair to the date of completion of repair. Large passenger and freight vehicles and taxis engaged in professional operation need to be insured, because the repair after the accident delayed the operation and caused great indirect losses.
10, I bought spontaneous combustion loss insurance. If the vehicle catches fire, can I definitely get compensation?
Not necessarily. Spontaneous combustion loss insurance is responsible for compensating the insured vehicle for the losses caused by the failure of its electrical appliances, wiring and oil supply system and the fire of the goods themselves; If the vehicle catches fire due to external fire, it is not covered by spontaneous combustion loss insurance.
Although the probability of vehicle spontaneous combustion is relatively small, spontaneous combustion often leads to serious economic losses, so if conditions permit, it is recommended that you take out insurance for spontaneous combustion loss.
1 1. Is the premium stereo in the car covered by the vehicle loss insurance?
If the high-end stereo in the car is not a car product, but is installed separately, it is not covered by the vehicle loss insurance, and the new equipment loss insurance can meet your insurance needs. This type of insurance is responsible for compensating the direct loss of new equipment for vehicles when the insurance accident occurs. When you add refrigeration, oxygen equipment, clean fuel equipment, CD and TV recording equipment, leather or electric seats to your vehicle, you should consider buying new equipment loss insurance. Otherwise, when the accident causes equipment damage, even if the vehicle loss insurance is insured, the insurance company will not compensate. .
12, excluding special insurance with deductible, is there no deductible for any insurance accident?
Special insurance excluding deductible is only for losses within the scope of vehicle loss insurance and third party liability insurance, and the deductible clauses of other additional risks cannot be cancelled. According to the provisions, under normal circumstances, every insurance accident and compensation calculation within the above insurance scope is based on the principle of liability exemption, and the owner bears a certain proportion of losses (called deductible) according to the accident liability. However, if a special insurance with no deductible is insured, after an insurance accident, the insurance company will no longer pay the deductible according to the original deductible, but the actual loss calculated according to the regulations. However, in the Shenzhen clause, the absolute deductible of 1 0,000 yuan is still required for each accident loss compensation.
13. If I have taken out accident life insurance, can I not take out vehicle liability insurance?
Suppose you are the driver of a car. For you personally, you don't need to get compensation through on-board liability insurance if you have accident insurance. But in the event of an accident, from a legal point of view, even if your relatives and friends in the same car have accident insurance, you can't correspondingly reduce your liability for compensation. In other words, when you have an accident, you must pay money to people who are killed or injured in the same car (whether they have insurance or not). Therefore, it is suggested that you should take out vehicle liability insurance.
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1. What if the car hits the wall and falls into the ditch?
When a vehicle hits a wall, a cement column, a tree and other accidents that do not involve compensation for others, it is not necessary to report the case to the traffic police and other departments, and it is only necessary to report the case directly to the insurance company in time. Wait for the insurance company to check the car near the scene of the accident, or drive the car to the insurance company to report the car inspection.
2. What should I do if the car spontaneously ignites?
If there is a fire in the car, stop immediately to put out the fire, give an alarm to the traffic police and fire brigade, and notify the insurance company at the same time. Pay attention to ask the traffic police and fire department who handle the accident for the responsibility certificate or fire proof.
3. What should I do if my car is lost?
If you find that the parked vehicle is lost, you should immediately inquire and look for it in the nearby parking lot, property management office and traffic police. To find out whether it was towed away or detained by the traffic department. If it is determined that the vehicle is stolen, report it to the police station or patrol officer in time.
When parking, please park your vehicle in a supervised parking lot and get a parking permit. If there is no parking lot nearby, try not to park in a sheltered and dark place. When parking, pay attention to close the doors and windows, lock the anti-theft lock, don't put valuables in the car, and take the driving license and surcharge certificate with you.
4. What should I do if my car has an accident in other places?
If a vehicle accident occurs in other places, you can report it to the insured insurance company or to the local insurance company, and the local insurance company will send professionals to assist in handling the accident and verify the accident losses.
(4)
Novices drive new cars.
● Auto insurance loss insurance
● Third party liability insurance
● The whole car was stolen.
● Risk of broken glass only.
● Loss insurance for malicious acts of others.
● Vehicle (personnel) liability insurance
● Free odds 0
Recommendation: It's certainly a pleasure to drive around in your new car. But don't forget that your driving skills need to be improved. In addition to driving carefully, it is also important to give your car a comprehensive protection. In addition to the possibility of spontaneous combustion in a new car, the risk of spontaneous combustion loss can be exempted, and other risks must be considered by novices when driving a new car. Among them, it is best to insure liability insurance with higher compensation limit.
Novices drive old cars.
● Auto insurance loss insurance
● Third party liability insurance
● Spontaneous combustion loss insurance
● Vehicle (personnel) liability insurance
● Free odds 0
Recommended explanation: "Driving an old car to practice your craft doesn't hurt even if it's a little scratched." Although there is some truth in this idea, the car accident is fiercer than the tiger. Don't relax your safety awareness just because you drive an old car. When you take out insurance, you should try your best to ensure its safety. Stealing is not recommended because thieves seldom patronize used cars. As long as the glass of the old car is cracked, as long as it does not affect the driving, it is ok, so it is not necessary to insure the glass separately. As for the equipment on the old car, even if there are additional equipment, it may be outdated and add equipment loss insurance. It is precisely because the vehicle is old and the possibility of spontaneous combustion increases that it is your best choice to insure against spontaneous combustion loss.
An old hand drives a new car.
● Auto insurance loss insurance
● Third party liability insurance
● The whole car was stolen.
● Risk of broken glass only.
● Loss insurance for malicious acts of others.
● Vehicle (personnel) liability insurance
● No-fault loss compensation insurance
Recommended explanation: the brand-new beautiful car attracts the attention of passers-by and thieves at the same time! So don't hesitate to insure against theft and emergencies. You must take good care of your new car. You can't bear to wait until the next day to find cracks in the glass, or the naughty children in the neighborhood left tiny scratches on the car body. If you insure the glass against separate breakage and malicious acts of others, the insurance company can solve this problem for you, especially it will be easy to replace the glass. You just need to drive the car to the glass office specially designated by the insurance company for direct replacement, and nothing else is needed. Because you have skilled driving skills, the probability of accidents is reduced, so it is not necessary to choose zero deductible, but it is recommended to choose no-fault loss compensation insurance to improve the degree of protection.
An old hand drives an old car.
● Auto insurance loss insurance
● Third party liability insurance
● Spontaneous combustion loss insurance
● Add equipment loss insurance.
● No-fault loss compensation insurance
Recommendation: Excellent driving skills and an old car make you only need to choose the most important insurance. Third party liability insurance is compulsory insurance provided by most local governments. Without this insurance, you can't apply for a license and annual review. Although it's an old car, it's a little worn and doesn't feel bad, but it must be repaired after the collision. Insurance against car damage will save you a lot of trouble. I'm afraid the oil circuit and circuit system of old cars are not very reliable. Insuring against spontaneous combustion loss will make you feel more at ease when driving. Compared with people, people are more important, so it is essential to insure the liability insurance for the people on board. It is precisely because the old car is on the road that you'd better choose the no-fault loss compensation insurance to improve the degree of protection in order to prevent the no-fault liability accident caused by the vehicle itself.