For auto insurance owners too familiar

But auto insurance in Misunderstanding

To the auto insurance reimbursement when it dawned

Often the feeling of being pit Debu light

Today I come to you popularize

Auto insurance is easy to move in three major errors

Let's look together

Myth NO.1: Full insurance = accident now lost

In fact, auto insurance there are two main categories of insurance and additional insurance, which There are four main risks (including loss of motor vehicle insurance, motor third party liability insurance, vehicle liability motor vehicle insurance, the whole car motor vehicle theft and robbery insurance); there are 11 additional risks (including: 1, a glass breakage alone; 2, spontaneous loss of insurance; 3, new equipment loss risk increases; 4, body scratches loss insurance; 5, engine damage insurance wading; 6, during the repair cost compensation insurance; 7, freight car liability insurance; 8, the spirit of solatium liability insurance; 9, excluding insurance franchise; 10, motor vehicle damage insurance third party can not find special insurance; 11, designated repair shop insurance).

Not all of the incidents have access to claims, in real life there are many situations covered by insurance exclusions. Therefore, consumers must correctly understand the concept of "all risks" can be said, does not really "all risks" exists, but some consumers to buy insurance is relatively more comprehensive and provide more protection only.

Misunderstanding NO.2: As long as the total amount of 12 million or less, have to pay high insurance compensation

Some owners believe in the choice of insurance to pay high insurance already 12 million in damages, and in accordance with this amount, the amount of compensation should satisfy a lot, so only insured to pay high insurance, other insurance and uninsured. But these owners ignore the limits have to pay high insurance is this. According to the existing pay high insurance limits, under the responsibility of the insured, the limit for medical expenses compensation of 10,000 yuan, limit death and disability category of 110,000 yuan, limit property loss is 2000 yuan; in the absence of responsibility for the situation , compensation for medical expenses limit of 1,000 yuan, limit death and disability class 11,000 yuan, limit property damage of $ 100.

In other words, to pay high insurance compensation is calculated in accordance with the project, medical expenses, payments, fees, hospital food subsidies, quotas belong to compensation for medical expenses, compensation for death, disability compensation, funeral expenses, nursing care, transportation, loss of fees belonging to the limit death and disability class, so 122,000 yuan limit is not a simple sum of all the losses costs, internal as well as subcategories of each category quota.

Myth NO.3: insurance expires in a few days it does not matter adjourned

Some car owners pay high insurance after the expiration forget renewal, some owners believe that a few days late renewal does not matter, however, because such a lucky feel, it may cause huge losses. Our road traffic damage compensation for judicial interpretation clearly stipulates that the law is not insured to pay compulsory insurance of motor vehicle traffic accidents resulting in damage to the party requesting the insured obligation to make compensation within the scope of cross-strong insurance liability limit, the people's court should be supported. In other words, during this time, if you are unfortunate accident occurred, the parties ask you to compensate 120,000 yuan the following amounts are established, and these costs will have to bear their own! In addition, insurance obligations and the infringer is not the same person, and the obligations of the insured party requesting the infringer jointly and severally liable in the scope of cross-strong insurance liability limit, the people's court should be supported.

In other words, if there is no insurance to pay compulsory insurance, the driver is not the owner, the occurrence of the owners and the accident has nothing to do when even an accident, but also jointly and severally liable with the driver within the limits Traffic Insurance 122,000 yuan, the excess to pay part of the compulsory insurance limit and then be held accountable by the driver.