I see a lot of crazy relatively owners

Always, "he bought insurance," talks about

Buy auto insurance sit back and relax it?

not really

The following "7 Do"

I know all the old and new drivers -

1, do not think that less than 120,000 yuan to pay high insurance can pay

Under the current pay high insurance provisions:

? Under the responsibility of the insured, the limit of compensation for medical expenses 10,000 yuan, limit death and disability category of 110,000 yuan, property damage limit of 2,000 yuan.

? Under no responsibility, the limit for medical expenses compensation 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, 122,000 yuan limit is not a simple sum of all the losses costs, limit between the various categories can not be confused.

2, do not think the "all risks" a dangerous condition on full pay

Many owners often entered a misunderstanding that I bought the insurance, an accident have to lose it all. In fact, not all incidents can get full compensation.

It is understood that usually insured at the time of buying insurance, often only investment risk and insurance compulsory purchase, once full responsibility for claims arise, the insurance must deduct 20?xcluding franchise, that is, only pay 80?and the rest owned by the insured bear.

To get full compensation for the insured, provided that only the purchase of "additional non-deductible insurance." In fact it insured non-deductible insurance, nor is it necessarily get the full claim.

Insurance companies in order to prevent the "moral hazard", will have some specific incidents, set a separate franchise, the franchise is not part of the scope is not deductible. Such as multiple escape from danger, ultra-range travel, claims incomplete documentation, etc., the insurance company will increase buckle franchise.

For the accident could not find a third party, the insurance companies usually find it difficult to objectively determine the actual owners of the parties responsible for the accident, which claims the standard can not be the owner claims responsibility for the accident as a reference, so the insurance company has set up a special additional deduction deductible rate.

3, do not think that can compensate for any loss of insurance

The driver intentionally caused the loss or indirect losses, can not be compensated. At the same time, the law, the existence of illegal driving situations, such as drunk, driving without a license, etc., the insurance company only paid in advance to pay compulsory insurance for personal injury compensation payments within the limit, while the right to recover the infringer, and third party liability insurance due to the presence of illegal grounds without compensation.

4. Do not take any chances renewal

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 in cross-strong insurance 122,000 yuan limit, the excess to pay high insurance limits and then by the driver held accountable.

5, not to repair reimbursement

Some owners immediately after the escape from danger is not reported to insurance companies, but find someone to repair shop. In fact, the dangerous condition should first call 110 to report, after the accident liability Confirmation get reported to the insurance company, the insurance company will send survey, to assess the damage, and then the vehicle is repaired, the final presentation of the documents, payment. If the owners do not repair the vehicle first report to the insurance company, the insurance company believes in the claims the cost of repairing the damage of higher costs, the difference will likely be borne by the owners themselves.

6, do not think the damage, repairs, claims, regardless of family

Almost all owners think, and jointly assess the damage 4S shop is the actual amount of maintenance costs, but also insurance claims. In fact, the damage is the insurance company's procedures, joint repair shop to assess the damage and the reason why is because the insurance company is not omnipotent, it is to listen to the views 4S shop.

After the 4S shop can not control the amount of the damage, the insurance company will be the case from all sides, given a reasonable amount of the damage, the damage once completed, the amount of the claim has been largely identified.

As for how to fix it has nothing to do with the insurance company, decided by the owners and repair shop, the owner of the actual repair cost depends on the requirements may be higher or lower than the amount of the damage, even repair site may not help the manufacturers to assess the damage.

7. Do not entrust repair shop claims

Many owners in order to avoid trouble, not directly with the insurance company after the accident, the claim will be entrusted to the more familiar repair shop. While doing this very simple, but there are no small risk.

Some small, poorly qualified repair shop often take advantage of the trust of customers, to provide customers with cheap parts repair, high prices of spare parts, repair shop so you can get the difference between the different parts of claims to insurance companies.

If the insurance company to do so verified, the owners not only need to take responsibility themselves, but also leaving a bad record in the insurance company. Even if the insurance company has not been found, the owner at the time of renewal will be due to increased accident records, and lack of concessions on rates.

Choose the right vehicle insurance, not just make the vehicle after the accident timely maintenance claims, more protection for the family and the community.