A clear copy of the "three certificates and one form" of the vehicle on board, that is, the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance cards of many insurance companies are no longer used as proof of claims.
Second, it is very important to report accidents in time, especially major accidents. When you call an insurance company to report a case, you need to provide basic information such as policy number, time and place of the accident, and nature of the accident.
Three, temporary license vehicles generally only apply for short-term insurance, and there is a prescribed route and time, accident insurance companies will not be liable for compensation within the prescribed route and time.
Four, when the vehicle is out of danger in different places, it should be reported to the insurance company in a timely manner, and the loss-fixing personnel at the place where the vehicle is out of danger will conduct survey and determine the loss. The compensation fee is generally valued according to the industry standard of the place where the accident occurred. If the regional damage is discovered only after returning to the insured place, the insurance company can make up the compensation for this part of the repair fee.
Five, the insured if you want to entrust the repair shop for compensation, or the accident compensation fee directly allocated to the repair shop, should personally sign the power of attorney, and report to the insurance company for the record. Every time you sign a quality contract with the repair shop, you can safeguard your legitimate rights and interests.
What is the scope of compensation for all auto insurance? "All Risks" is just a popular saying, not an insurance. Automobile insurance is divided into compulsory insurance and commercial insurance.
1. Compulsory insurance, that is, "traffic accident liability compulsory insurance", commonly known as "compulsory insurance", is an insurance that the insured must take out according to the state regulations, but the insurance amount is relatively low;
Two, there are many commonly used types of commercial insurance, the insured can choose according to their own needs, in line with the principle of "voluntary insurance":
1. Third party liability insurance: it is the most effective supplement when the types of compulsory insurance are insufficient. Suggest insurance;
Vehicle loss insurance: in a unilateral accident, when the insured's vehicle causes losses, the insurance company shall be liable for compensation, and it is recommended to take out insurance;
2. Personnel insurance on the vehicle: When the driver or passenger on the vehicle is injured due to various accidents during driving, the insurance company will bear the liability for compensation, and the cost is low. Suggest insurance;
3. Vehicle theft and emergency rescue: when the vehicle is damaged due to criminal cases such as theft and robbery, the insurance company shall bear the liability for compensation, and it is recommended to choose according to the public security situation of the vehicle;
4. Car body scratch insurance: In the absence of obvious collision marks, the insurance company will compensate when there are various scratches on the appearance of the vehicle, and it is recommended to take out insurance;
5. Individual glass breakage insurance: In the absence of obvious collision marks, the insurance company will compensate for the individual glass breakage, and it is recommended to choose according to the actual use of the vehicle;
6. Excluding the special clause of deductible: For the above commercial insurance, in order to avoid the moral hazard of the insured, the insurance company has set the insurance compensation limit, and the maximum compensation is 80% of the actual loss. If the insured expenses are excluded from the deductible, you can get full compensation.
Brief introduction of matters needing attention in automobile commercial insurance. Hello, precautions for automobile commercial insurance:
First, don't repeat insurance.
Some policyholders think that more insurance can make more compensation for the insured vehicles. According to the provisions of Article 40 of the Insurance Law, the sum of the amount of compensation paid by each insurer for vehicles with repeated insurance shall not exceed the insured value. Therefore, even if the insured is insured repeatedly, he will not get over-value compensation.
Second, don't be over-insured or under-insured.
Some car owners, obviously with a vehicle value of 6.5438+10,000 yuan, have taken out insurance of 6.5438+0.5 million yuan, thinking that they can pay more if they spend more money. Some cars are worth 200,000 yuan, but they are insured for 6,543,800 yuan. Neither of these two insurances can be effectively guaranteed. According to Article 39 of the Insurance Law, the insured amount shall not exceed the insured value. If it exceeds the insured value, the excess is invalid. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value. Therefore, no matter whether it is over-insured or under-insured, no additional benefits can be obtained.
Third, insurance should preserve its value.
In order to save the premium, some car owners want to cover less risks, or only car damage insurance, not third party liability insurance, or only main insurance, not additional insurance, etc. In fact, all kinds of insurance have their own insurance responsibilities. If the vehicle really has an accident, the insurance company can only assume the insurance liability to compensate according to the insurance contract originally concluded, and some other losses of the owner may not be compensated.
Fourth, update in time.
Some car owners can't renew their insurance in time after the insurance contract expires, but unexpected things have happened. In case there is an accident in the vehicle these days, it is not too late to regret it.
Five, to carefully review the insurance documents.
When receiving insurance documents, you must carefully check whether the third copy of the documents is printed with white carbonless carbon paper and printed with light brown anti-counterfeiting background, whether the words of supervision by the China Insurance Regulatory Commission are printed in the upper left corner, and whether the words of limited sales in XX province (city, autonomous region) are printed in the upper right corner. If not, you can refuse to sign the bill.
Six, pay attention to the authenticity of the audit agency.
When you apply for insurance, you should choose an institution affiliated to an insurance company recognized by the state. You can't just find an insurance agency to apply for insurance, and you can't be tempted by the so-called high return. You just want small profits and are fooled by fake agents.
Seven, check the policy.
After completing the insurance formalities and getting the original insurance policy, you should check the items listed in the insurance policy, such as license plate number and engine number, and correct any mistakes and omissions immediately.
Eighth, carry your insurance card with you.
The insurance card should be carried with the car. In the event of an accident, the insurance company should be notified immediately and the traffic management department should be reported.
Nine, early renewal
Remember the validity period of insurance and renew it in advance.
X. Pay attention to Mo Sheng's deception and compensation tactics.
There are very few people who always want to take insurance as a shortcut to get rich. For example, some people take out insurance first, some people cause accidents artificially, and some people forge, alter or add invoices and vouchers for car repair and medical treatment, all of which fall within the scope of insurance fraud and are illegal. Therefore, car owners should never be clever on these issues.
Eleven, the definition of the third party in auto insurance, should exclude family members.
There is such a provision in the insurance company's exclusion liability that "the insured or its licensed driver and his family are killed or injured, and the property owned or kept by him is lost". When an automobile accident occurs, the driver, his family and the insured's family are not within the scope of a third party. The provisions of the auto insurance clause are to prevent the insured from intentionally hurting family members in order to obtain insurance money.
What types of insurance does automobile commercial insurance include? Motor vehicle insurance other than state compulsory insurance is collectively referred to as motor vehicle commercial insurance, including the following aspects:
Motor vehicle commercial third party insurance
The insured or its authorized legal driver has an accident in the process of using the insured motor vehicle, causing a third party to suffer.
Direct personal injury or property damage
Damage, the insured shall be liable for compensation according to law, the insurer shall, in accordance with the provisions of the insurance contract, over the machine.
Motor vehicle traffic accidents are of great responsibility
The part exceeding the liability limit of each insurance project is responsible for compensation. The compensation limit for each accident shall be jointly borne by the insured and the insurer.
Approved by the insurance regulatory agency
Where the compensation limit is determined through negotiation, it is divided into 50,000, 654.38+10,000, 1 50,000, 200,000, 300,000, 500,000 and110,000.
Motor vehicle loss insurance
insured liability
1, collision, overturning and falling;
2. Fire and explosion;
3. Foreign objects fall and collapse;
4, rainstorm, tornado, lightning, hail, rainstorm, flood, tsunami, subsidence, ice subsidence, cliff collapse, avalanche, debris flow,
Natural disasters such as landslides;
5. The ferry carrying the insured vehicle suffers from natural disasters (only those who are cared for by the driver on board);
Vehicle theft and emergency rescue
We are responsible for compensating the following losses:
1, the whole insured vehicle is stolen, robbed or robbed, and it has been proved by the local public security criminal investigation department at or above the county level to be over 60.
The whole car was damaged that day.
Lost.
2. Reasonable repair expenses for the stolen, robbed, robbed or damaged insurance vehicles during driving.
3. The whole insured vehicle is stolen, robbed, damaged or its parts and accessories are lost, and needs to be repaired.
A reasonable fee.
Vehicle personnel liability insurance
Personal safety protection during driving.
In the process of using an insurance motor vehicle, an accident occurs, resulting in personal injury or death of persons on the insurance motor vehicle.
The law shall be borne by the insurer.
The insurance company is responsible for compensation. The liability limit of each person in the car and the number of insured seats are jointly funded by the insured and the insurer.
Time-saving negotiation was confirmed.
Motor vehicle windshield damage insurance
Motor vehicle body scratch insurance
What six items of automobile commercial insurance mainly include: commercial third party liability insurance, vehicle loss insurance, vehicle theft and emergency rescue, vehicle personnel liability insurance, vehicle theft and emergency rescue, and special insurance excluding escort rate; The specific insurance cost can only be calculated by providing the car price, purchase date, model and insurance amount (referring to liability insurance and anti-theft rescue); The cost of compulsory insurance is also related to whether there are claims in the early stage (if there are no claims, you can enjoy certain renewal benefits); But the real basic commercial auto insurance is "commercial third party liability insurance".
How much is the automobile commercial insurance? Automobile commercial insurance is actually motor vehicle commercial insurance. Motor vehicle commercial insurance refers to the compulsory motor vehicle insurance stipulated by the state, and voluntarily insured the automobile insurance of commercial insurance companies.
Automobile commercial insurance generally includes vehicle loss insurance, third party liability insurance, burglary insurance and vehicle personnel liability insurance.
Brief introduction of insurance
Automobile commercial insurance is actually motor vehicle commercial insurance.
Motor vehicle commercial insurance refers to motor vehicles insured by the owner in accordance with state regulations.
Compulsory insurance and voluntary motor vehicle insurance of commercial insurance companies.
Mainly divided into basic insurance and additional insurance.
On February 27th, 2007, the China Insurance Regulatory Commission gave a reply to insurance association of china's "Request for Instructions on the Scheme for Reporting Terms and Rates of Auto Insurance A, B and C Industries" (version 07), and all property insurance companies began to switch terms and rates from April 1.
Commercial insurance is divided into two categories: basic insurance and additional insurance. Basic risks include vehicle loss insurance, vehicle theft insurance, vehicle personnel liability insurance and commercial third party liability insurance, and additional risks include car body scratch insurance, glass breakage insurance, spontaneous combustion insurance, excluding deductible insurance, etc. Additional risks cannot be insured independently, and must be attached to the corresponding basic risks.
According to the market situation in Tianjin, the usage of the three trade terms in version 07 A.B.C is as follows:
A: PICC, China United, Dida, Sunshine, Anbang and Huatai.
Section B: Ping 'an, Bohai, Tianan, Dubang, Taiping and Hua 'an.
Section C: Pacific Ocean
This time, the terms and rates of A.B.C tend to be consistent, and the underwriting rules and additional terms of each company are slightly different.
The three-industry clause of A.B.C 07 is divided into basic insurance and additional clauses, and the basic insurance can be underwritten separately.
Related content editing
1. Basic insurance: vehicle loss insurance, third party liability insurance, burglary insurance, and vehicle personnel liability insurance.
2. Additional clauses:
Spontaneous combustion loss insurance, car loss deductible, cost compensation during repair, accident miscellaneous fees, replacement of new cars, deductible for multiple accidents, deductible for basic risks, deductible for additional risks, designated specialized factories and special replacement.
Separate glass breakage insurance, new device loss insurance, separate body paint damage insurance, wading loss insurance, on-board cargo liability insurance, mental damage compensation insurance, on-board goods liability insurance, road pollution liability insurance.
The above additional risks are included in the A.B.C clause of the insurance industry.
Special vehicle loss expansion package insurance, car rental insurance, car loss insurance, agreed regional tolls, long-distance bus special terms and conditions.
Motor vehicle exit insurance special vehicle fixed equipment, device loss insurance, duty-free vehicle liability insurance, legal fees, rescue expenses, parts and accessories stolen insurance, holiday driving area expansion kit, wheel separate damage insurance, seat belt use,
Liability insurance for goods falling on board, golf equipment theft insurance, special clauses for special vehicles.
For personalized terms, not generic terms.
Theoretically, the premium can be reduced, but it can't be fully paid, which embodies the principle that car owners control their own risks. Other additional terms and conditions are expansion package terms and require additional coverage. Among the additional risks, spontaneous combustion loss insurance, wading loss insurance, body paint damage insurance, glass breakage insurance, basic insurance without deductible and additional insurance without deductible are commonly used mainstream additional risks, while others are not of universal significance.
I'll give you a link and have a look for yourself.
The price of that car is 46 thousand, which is fictitious. The real price or value should be applied in the actual calculation.
Web page link