Car auto insurance, that motor vehicle insurance, referred to as auto insurance, refers to motor vehicle accidents due to natural disasters or caused personal injury or property damage liability of a business insurance. Motor vehicle means the vehicle, tram, car batteries, motorcycles, tractors, all kinds of special machinery and vehicles, special vehicles. Motor vehicle insurance for the uncertain value of the insurance, insurance is divided into basic and additional insurance, which can not be independent additional risk insurance. Basic insurance, including third party liability insurance (liability insurance), and vehicle damage insurance (Che Sunxian); additional risks, including the entire vehicle Daoqiang Xian (Daoqiang Xian), vehicle liability insurance, strict liability insurance, vehicle liability of goods fall insurance, alone and broken glass, insurance, vehicle insurance suspended loss, spontaneous loss of insurance, new equipment damage insurance, special insurance is not deductible. Including third party liability insurance is compulsory insurance. Loss of vehicle insurance Responsible for compensation due to natural disasters or accidents caused by the loss of the vehicle itself. This is the most important insurance vehicle insurance. Does not guarantee the security and insurance, must be weighed against its impact. Without insurance, the cost of repairing the vehicle after the collision was entirely by themselves. Third party liability insurance Responsible for the insurance vehicle accident caused by the use of another person (ie third party) of the direct personal injury or property damage liability. Third party liability insurance as shall be prescribed by the State Insurance species. Gave the driver is driving crash or the most feared, his car is not affected by the loss, but also spend lots of money to compensate the losses of others. All cars Daoqiang Xian Liable for the insured vehicle due to theft, robbery, causing the vehicle to be robbed of all loss and damage or vehicle during the vehicle components, ancillary equipment damage caused by loss. After the vehicle lost vehicles from insurance companies get 80% of the actual value of the compensation. If the assured missing car keys, you can only get 75% of the compensation. Vehicle liability insurance Responsible for the insured vehicle caused the car accident the personal injury and direct damage of the goods vehicle liability. Which persons in the vehicle's liability for personal injury of passengers that the driver of the past accident insurance. Fault liability insurance Insured vehicles in use, due to non-motorized vehicles and pedestrians in a traffic accident, causing other casualties and direct property damage, insurance, vehicle shall bear no liability. Refused to compensate the insured if unsuccessful, of the insured has been paid to the other party can not recover the costs, insurance companies, according to "approach to road traffic accident" and the dangerous condition of the local road traffic accident the required standards _set_ forth in the insurance policy within the limits of the insurance compensation calculated compensation. 20% of compensation are implemented each time an absolute franchise. Vehicle liability insurance of goods fall To undertake insurance of vehicles in use, the goods caused by falling from a vehicle third party personal injury or property subject to the direct damage to the economic liability. In the insurance liability insurance liability limits _set_ forth in the calculations. 20% of compensation are implemented each time an absolute franchise. Glass breakage alone Vehicles parked or use, other parts not damaged, only a single broken windshield glass, windshield damage by the insurance company for compensation. Loss of vehicle insurance suspended Occurrence of loss of vehicle insurance vehicle insured within the insured, causing body damage, resulting in the suspension of service arising from the loss of the vehicle, the insurance company for compensation according to the following provisions: (1) partial loss, the insurer agreed by the parties within the time fixed by the policy multiplied by the amount of compensation agreed on the date of repair until the repair from the date of the actual number of days for completion of calculating compensation; (2) the entire vehicle damage, according to the agreed limits of liability insurance compensation is calculated; (3) in the insurance period, the total compensation calculation, the maximum liquidated damages insurance policy limited the number of days. The maximum compensation for this insurance contract days for 90 days, and the loss of vehicle insurance suspended the biggest feature is the high rate, reaching 10%. Risk of spontaneous loss Insurance of vehicles in use by the vehicle electrical lines, oil system failure or fire in their own reasons for carrying goods to vehicles liable for the damage caused. Additional equipment loss risk Occurrence of loss of vehicle insurance vehicle insurance within the scope of the accident, causing direct damage to the car new equipment, the insurance company for compensation according to the actual loss calculation. The insurance does not cover the new equipment to increase the insurance company liable for the loss. Excluding special insurance deductible Only at the same time insured the loss of vehicle insurance and third party liability insurance coverage only on the basis of the insurance. Items for this special insurance insured motor vehicle accident occurred for compensation to its provisions in line with the amount of compensation insurance in accordance with the terms of the basic calculation of deductible amount, the insurer liable for compensation. In other words, to do this insurance, vehicle insurance and vehicle damage occurs third party liability insurance for the loss, all by the insurance company for compensation. This is the 97 years before a very good insurance. Its value lies in: no guarantee of this insurance, insurance companies and third party liability insurance compensation Che Sunxian within the scope of the losses is to distinguish between responsibility: If you take full responsibility and compensate 80%; bear the main responsibility for compensation 85 %; bear equal responsibility for compensation 90%; lose 95% of negative secondary responsibility. Another accident losses 20%, 15%, 10%, 5% need your own pocket.
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The concept of car insurance
Car auto insurance, that motor vehicle insurance, referred to as auto insurance, refers to motor vehicle accidents due to natural disasters or caused personal injury or property damage liability of a business insurance. Motor vehicle means the vehicle, tram, car batteries, motorcycles, tractors, all kinds of special machinery and vehicles, special vehicles.
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Origin of the development of automobile insurance
Auto insurance is a kind of property insurance, property insurance areas, car insurance is a relatively young insurance, this is because auto insurance is accompanied by the emergence and popularization of car production and development. Meanwhile, the modern motor vehicle insurance is different in the early stages of car insurance third party liability insurance is the main vehicle insurance, and gradually extended to the loss of the body such as the risk of collision. (A) the origin of auto insurance Foreign auto insurance originated in the late 19th century. At the time, as the car appeared in some European countries, and development of traffic accidents caused by accidental injury and property damage increased. Although countries have adopted a number of control methods and measures, the use of cars is still on people's lives and property posed a serious threat. Therefore led to some smart people car insurance insurance concerns. November 1896, Scotland, UK employer by the insurance company an insurance policy issued by one of intelligence, published for the celebration of "1896 Road Motor Vehicle Act" and passed, but held on November 14 in London to Brighton large-scale automobile racing news. In the insurance information, also published the "car insurance per annum." The earliest development of the UK motor insurance business, the "legal Accident Insurance Co., Ltd." in 1898 the company pioneered the motor vehicle third party liability insurance, and additional car fire. By 1901, insurance companies offer automobile insurance policy, has taken a modern comprehensive liability insurance with the conditions of the insurance liability also extends to the car theft. (B) the development of automobile insurance in foreign countries Early 20th century, automobile insurance industry has been developing rapidly in Europe and America. In 1903, the British created the "auto general insurance company", and gradually developed into a large professional auto insurance company. 1906, was established in 1901 Auto Union also established its own "Auto Union Insurance Company." By 1913, auto insurance has been expanded to more than 20 countries, automobile insurance rates and underwriting methods are basically standardized. Auto insurance in 1927 was an important milestone in the history. Massachu_set_ts established the world-famous Compulsory Automobile (Liability) Insurance Law promulgated and implemented, that the motor vehicle third party liability insurance from the voluntary insurance approach began to change in the mode of statutory compulsory insurance. Since then, the statutory motor vehicle third party liability Insurance will soon spread around the world. Wide range of third party liability insurance for the implementation of the statutory, greatly promoted the popularization and development of automobile insurance. Che Sunxian, theft insurance, cargo insurance and other services also will be developed. Since the 20th century, 50 years, along with Europe, America, Japan and other regions and countries the rapid expansion of the automotive industry, motor vehicle insurance has been extensively developed, and become the most important national property and casualty insurance business insurance. To the 20th century, late 70s, the property insurance car insurance accounted for 50% or more. (C) the development process of China's automobile insurance 1. Infancy China's automobile insurance business has experienced a tortuous course. Car insurance into China in the Opium War, but because of China's insurance market is a monopoly and foreign insurance companies under the control of industrial underdevelopment coupled with the old China, China's car insurance is essentially in its infancy, its role and position is very limited . 2. Pilot period After the founding of new China in 1950, created near the Chinese People's Insurance Company to offer the car insurance. However, due to inadequate publicity and awareness of bias, and soon appeared on the insurance dispute, was that the car insurance and third party liability insurance to financial compensation for the perpetrators, will lead to the increase in traffic accidents, have a negative impact on society. Thus, the Chinese People's Insurance Company in 1955 to stop the car insurance business. Until the mid-70s to meet the national embassies and consulates and other foreign-owned auto insurance needs of the business began to apply to foreign-based auto insurance business. 3. Development period China's insurance industry to resume at the beginning of 1980, China People's Insurance Company progressively to resume nearly 25 years of auto insurance business to adapt to domestic enterprises and units for the car insurance needs, to adapt to the rapid development of road transport accident the objective needs of the increasingly frequent. At that time, only property insurance auto insurance market share of 2%. At the same time, motor vehicle insurance terms, rates, and management is also becoming more perfect, especially the establishment of China Insurance Regulatory Commission to further improve the terms of the motor vehicle insurance, increasing the rates, insurance documents and business activities of insurers regulatory efforts to accelerate construction and improve the motor vehicle insurance intermediary market in fully regulate the market, and promote the development of motor vehicle insurance business has played a positive role.
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The functions of car insurance
Insurance is to organize the basic functions of economic compensation and the realization of the benefits insurance, is also the basic functions of motor vehicle insurance. Improve the productivity of science and technology towards the development of civilization and human society, to human civilization in the car to transport facilities, but also brought to mankind by motor transport in the collision, overturning and other accidents caused property damage and personal casualties. Moreover, with the improvement of productivity, science and technology, the risk of loss caused by accidents is also growing, the harm of human society has become increasingly serious. Motor vehicle in the course of natural disaster risk and high probability of accidents, especially in the event of third party liability in the accident, the damages are difficult to pass self-compensation. Motor vehicle insurance is risk management in modern society a very important tool, is one of the most important risk transfer, the most effective technology, is indispensable for the economic compensation system.
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The role of auto insurance
Since 1980, China since the resumption of domestic insurance business, motor insurance business has made considerable progress, especially with the car into the daily lives of ordinary people, car insurance is becoming closely linked with people's lives, economic activities, its importance and social is also being gradually emergent, the role has become increasingly obvious. 1. To promote the development of automobile industry, expanding the demand for cars Development from the current economic situation, the auto industry has become China's economy healthy and stable development of the important drivers of policy in the automobile industry's position in the national industrial policy, more and more important, the auto industry policy to produce social and economic benefits to become the driving force behind China's economic development is inseparable from car insurance ancillary services. Auto insurance business development for the auto industry itself has played a powerful role in promoting the emergence of auto insurance, lifting the car business and personal use of the risks that may arise during the fear, to some extent the desire to improve consumers to buy cars , to some extent increase the demand for cars. 2. To stabilize the social order As China's economic development and people's living standards, the production car as an important tool for transportation and travel, social, economic and people's lives become an indispensable part of their role becomes more and more important. As an insured vehicle, although the unit of insurance is not very high, but the quantity and dispersion of both the vehicle owner of the Party and government departments, but also businesses and individuals. Vehicle owner to shift the risks of using cars, are willing to pay a certain premium insurance. After escape from danger in the car, get financial compensation from the insurance company. It can be seen to carry out car insurance is conducive to social stability, and it helps protect the legitimate rights and interests of the insurance contract. 3. Promote the improvement of vehicle safety performance 4. Auto insurance business property insurance plays an important role in Currently, most developed countries, automobile insurance business insurance business in the entire property occupies a very important position. U.S. auto insurance premium income, the total property insurance premiums accounted for 45% of the total premium of about 20%. Asia, Japan and Taiwan account for the entire car insurance premium total property insurance premium is a whopping 58%.
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Elements of car insurance
Elements of the insurance also known as "the elements of the insurance," referring to the basic conditions for the insurance to be established. In this issue, at home and abroad have different views. We believe that there are three elements of the insurance, that is the prerequisite elements, basic elements and function elements. (A) there is a risk of _set_ting up the premise of the insurance Insurance and risk the same in no danger no insured at all. Therefore, the risk of a particular incident _set_ up the premise of insurance is the first of a factor. (B) all formed the basis of third-party insurance As mentioned above, the insurance is based on "one for all, all for one" basis to the social solidarity, and its basic principle is a collection of risk, spread loss. This requires that the insured is not just a few people, a few units. Not just a small part of society, and a small number of units, but to mobilize the whole society, so many are uninsured. Only members of society to participate in many insurance premiums they paid in order to accumulate a huge amount of insurance funds to ensure that accidental loss of a few people get full and timely compensation. Therefore, not only with the risk of the same in the insurance, especially with all the same in the third. Not all work together, we can not have insurance. All third-party relationship between the economic Huzhugongji. Huzhugongji this economic relationship, the organization in two forms, one direct, the second is an indirect relationship. Mutual insurance organization embodied Huzhugongji all third-party relationship is a direct Huzhugongji relationship. Because the insurance organization's members are considering have the same risk by the majority of the composition. Each member of them, that is to be insured. All third-party insurance, although their number can not be specifically designated as hundreds or thousands of people, but in order to reach the huge losses as dispersed into small loss, those who need to better participate in the insurance. Both mutual insurance or the insurance company's insurance is so. Because the more the number of people insured, the loss of the more scattered points, the more light the burden of each member; the insured more insurance premiums to pay more, can build up the greater the amount of insurance funds, which more of the insured are protected. All third-party insurance needs, but also insured the better. However, the relationship between form Huzhugongji each member, especially the relationship between indirect Huzhugongji members, the risks they face are different. Risks are different, the loss of sharing the premium payable should be different. Different allocation of loss if the risk is no different, inevitably lead to the following consequences: some of the risk being a disadvantage because of the smaller members to withdraw from the insurance, leaving a few of those high risk also because the insured can not afford not to support a huge premium down, the original relationship between the formation of Huzhugongji would be destroyed. Furthermore, as a "betrayal" of insurance insurers, is also a risk, this risk is to be insured when the accident liability. If the insured person's risk of large Peifu capacity is small, the insurance to be sustainable. Therefore, insurance should be properly maintained, a policyholder has the burden of insurance premiums to make the capacity and willing to pay premiums to maintain the necessary mutual relations; Second, we must ensure that the insurer's total premium income and losses Peifu roughly equivalent to ensure the ability of the insurer for payments. The realization of this goal, we must all work together to make the insurance based on established scientific methods, which must be based on scientific methods of probability theory, a reasonable calculation of a variety of insurance premium rates. Reasonable premium rates, so that each participate in the insured's burden is relatively fair and reasonable. Is to maintain a reasonable insurance premium rates to all work together long-term key. (C) loss of function of the establishment of insurance Peifu Not destroy the function of the insurance risk. Danger is an objective reality. Strictly speaking, the insurance itself can not eliminate risk. Although, in real life, people often used to cover acts as "insurance" will pay the premium the insured, and the establishment of an insurance contract between the insurer is called "pay a price for buying a security," but everyone knows, the insured paid the premiums to insurance companies, not really buy a security; signed the insurance contract does not mean we can guarantee this life insurance company insured against accidents. "Insurance", "money safe" a class of claims, its exact meaning should be: first, the insured, because the parties take effective safety measures to strengthen the prevention capacity, and thus the safety of the insured will be more secure; second insured, pay the premium, the effective period of insurance, even if the accident occurred, according to the agreed compensation would be appropriate to quickly restore the economy. In fact, the insured pays a cost (premium), after he bought just a chance occurrence of insured event is about to receive compensation when the opportunity may be, rather than real security. Thus, the insurance compensation is a direct function of the insured economic losses suffered by accident, just after the insured if the insured purchased a concept of security, dangerous time of the accident without appropriate compensation, will not There is no one willing to spend money to buy a meaningful concept of security. Of course, people pay for insurance, do not want to risk an accident occurred in his possession. For each policyholder, the rather small number of often accept the loss, but not willing to suffer a huge loss over an extended period. The so-called "regular small amount of" loss, that is, during the period of insurance policyholders are safe, he no doubt paid a price for the premium. In this sense it can be said, insured the security of the money during the "buy" to the. It should be noted that, in the loss Peifu function, life insurance and property insurance is not entirely consistent. The reason is: property insurance and life insurance different subject matter of insurance. Insurance is the subject of property or property-related interests, which is able to accurately measure its monetary value; when the risk of accident, of course, can also be used to accurately measure their monetary loss. Insurance is a direct function of economic compensation. Therefore, property insurance, the insurance value except few exceptions, the compensation for damages should be guided by the principle that when the insurance of the accident, the insurer give the insured's economic damages is just to fill the insurance of the insured suffered an accident caused by the economic loss. The amount of compensation should not be less than or more than actual loss. Less than the actual loss, the insured losses that have not been completely filled; more than the actual loss, the insured will result in unjust enrichment, which is contrary to the insurance system itself. Life Insurance is the subject of the human body, health and life. The human body, health and life is not measured by money.
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Characteristics of auto insurance
The basic features of car insurance, can be summarized as follows: 1. Dangerous condition of the subject matter insured is higher Car is a major land transport. Because of its often in motion, always keep carrying people or goods from one place to another place bound, it is prone to collisions and accidents, causing personal injury or property damage. Since the rapid increase in the number of vehicles in some countries the level of transport infrastructure and management can not keep up the pace of development of vehicles, together with the driver's negligence, negligence and other human causes, traffic accidents occur frequently, car Chuxian higher. 2. Business volume, higher insurance Dangerous condition of the higher rate of car, car owners need to be insured to transfer the risk. Governments continue to improve transportation facilities, strict traffic rules and regulations developed at the same time, in order to protect the interests of the victim on the third party liability insurance mandatory insurance. Adapt to shift risks insured the different needs of the insured, the insured person provides a more comprehensive protection, in carrying out loss of vehicle insurance and third party liability insurance, based on the introduction of a series of additional risk, so that a property insurance car insurance in the larger volume of business, a higher rate of insurance coverage. 3. To expand insurance benefits Car insurance, car owners and users for the different characteristics, the general provisions of auto insurance terms: I use not only the insured perils insured vehicle to bear the liability insurer and the insured person who allows the driver to use vehicles, but also as its subject matter insured has an insurable interest, in case of an accident insurance policy on the agreement, the insurer also has to bear the losses caused by the accident, insurance, auto insurance is required to explain the provisions of "from the car," which, where allowed by the insured driver driving a car insured losses caused by insured, the insurer shall be insured against liability. This requirement is designed to provide more of the insured adequate protection, not against the principle of insurable interest. But if the life of the contract of insurance, the insured sold the vehicle to the insurance, transfers, gifts to others of the insured and the insurer shall be notified in writing to apply for marking. Otherwise, the insurance when the accident occurred, the insurer of the insured is not liable for damages. 4. The sole responsibility of the insured and the no claim discount To facilitate the maintenance of the insured note, maintenance vehicles, safe driving techniques to keep the state and urged the drivers that safe driving to reduce traffic accidents, the general provisions of the insurance contract: the driver responsible in a traffic accident, vehicle damage insurance and third party liability insurance requirements in line with the amount of compensation implemented within the absolute franchise; insurance vehicle no claim in the insurance period, renewal can enjoy a certain percentage of premiums no claim discount. These requirements, although the insurers were being punished, and preferential treatment, but the purpose is the same. Car insurance with a broad, difference, insurance, subject to liquidity, higher characteristic frequency of escape from danger.
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The principle of auto insurance
Car insurance process, the basic principle is to follow the basic principles of insurance law, insurance law that embodies the essence and spirit of the basic principles, it is both the basis of the insurance legislation, but also in insurance activities must follow the guidelines. The basic principles of insurance law insurance law through specific provisions to achieve, and the specific provisions of insurance law, must comply with the requirements of the basic principles. First, the insurance and the principle of combining prevention impairment Fundamentally speaking, the insurance is a risk management system, risk management purpose is to prevent or reduce the risk of accidents, to reduce the risk of accident, the damage to a minimum, the resulting impairment of the insurance and the principle of combining prevention. (A) a combination of insurance and the principle of prevention (B) Insurance and detract from the principle of combining This principle is mainly applied to the insurance after the impairment after the accident. According to this principle, if the insured event occurs, the insured party shall use its best efforts to actively rescue, to avoid the accident spread, the losses are enlarged, and to protect the dangerous condition of the scene and promptly report to the insurer. The insurer through the bear rescue and other reasonable expenses to meet their obligations. Second, the principle of utmost good faith The special nature of the insurance relationship, more and more people are in the insurance practice the importance of good faith, requiring parties to a contract to maximize compliance with this principle, it is called the principle of utmost good faith. Specifically, that does not require the parties to conceal the truth, not each other of fraud, to the utmost good faith to fully implement their obligations to ensure the realization of other rights. The principle of utmost good faith is a contract both parties must follow the basic principles, its performance for the following aspects: (A) to perform the obligations It is the principle of utmost good faith requirements of the insured. Since the majority of the insurer's policyholders face, it is impossible to understand the subject matter insured to the various situations, therefore, the insured when the insured, the insurer should be enough to affect the underwriting decision, sufficient to affect the insurer in fixing the premium rate or special provisions to increase the importance of the situation, the insurer tell the truth. General insurance practice is limited to the application form, which asked the contents of the proposal form in the insured must fill out, in addition, the insured does not bear any say, this obligation. Insured for intentional or negligent not to perform the obligations, will have to bear the corresponding legal consequences, including the insurer could then terminate the insurance contract; In the event of insured accident, the insurer the right to refuse Peifu and so on. (B) to perform that obligation This is the principle of utmost good faith requirements of the insurer. Because insurance contracts laid down in advance by the insurer, insured or not only accepted the choice of the insured are usually the lack of insurance knowledge and experience, therefore, in concluding an insurance contract, the insurer shall explain the contract terms to the insured. For the general terms of insurance contracts, the insurer shall fulfill that obligation. Exemption for the insurance contract terms, the insurer shall perform the duties clearly stated, unstated, liability exemption clause has no effect. (C) to fulfill warranty obligations This guarantee is the insured the insurer to make a commitment to ensure compliance with the insurance period or omission of certain rules, or to ensure the authenticity of a matter, so this is also the principle of utmost good faith requires the insured. (D) waiver and the prohibition of defense This is the principle of utmost good faith requirements of the insurer. The so-called abstention, whereby the insurer to give legal or insurance of a right stipulated in the contract, such as the right to refuse insurance, the right to terminate the insurance contract and so on. The so-called prohibited defense, closely associated with the waiver, is the insurer since given up that right to not be insured or the beneficiary to claim this right again. Third, the principle of insurable interest China's "Insurance Law" Article 11 provides: "An applicant shall have an insurable interest in the subject matter insured. Insured on the insured has no insurable interest, the insurance contract null and void. Insurable interest is the subject of insurance with the insurer's legal recognition of interests. "Under this provision, the main principle of insurable interest has two meanings: first, the insured in the insured must have insurable interest in the subject of insurance, otherwise, the insurance may be a gamble, the loss of the compensation of economic losses, give financial help function. Second, whether the insurance interests of the insurance contract is to determine the fundamental basis for valid or invalid, the lack of the elements of the insurance interests of the insurance contract, legal effect does not occur naturally. (A) Property insurance benefits Insurance is the subject of property insurance and related benefits, the insurable interest is the subject of insurance policyholders with legal recognition of economic benefits. Insurable interest in the property insurance should have three elements: (1) must be legally recognized and protected the legitimate interests. (2) must be economic benefits. (3) must be determined by economic interests. (B) life insurance benefits Is the subject of insurance life insurance life and health of people, the insurable interest is insured on the insured has a life and body of economic interests. "Insurance Law" Article 52 can be drawn, the insurance benefits life insurance has the following characteristics: (1) is legally recognized and protected by a personal relationship. (2) personal relationship with the property content. (3) constitutes an insurable interest in the economic interests. Although the economic interests can not be estimated with money, but the insured and the insurer in the insurance contract, the insured amount can be determined by agreement. Principle of insurable interest in the insurance contract, to perform the process, there are different application requirements. For property insurance, the insured should be the subject of insurance when the insured has an insurable interest; contract after the establishment of the insured person insured may sell, transfer, gift, inheritance and other circumstances change, so, when the insured event occurs, the insured should be the subject of insurance has an insurable interest, if the insured has an insurable interest does not matter. For life insurance, the insured, the insured must have insurable interest in the insured person, as insured event occurs, the insured has an insurable interest is still, then does not matter. Fourth, the principle of damages This is a unique property and casualty insurance principles, whereby the insurer after the accident, the insurance in their area of responsibility of the actual insured loss suffered by the principle of compensation. Its contents are the following: (1) The compensation must be within the responsibility of the insurer, ie only in the insurance contracts the insurer within the prescribed period, the agreed amount of insurance, the risk of the contract compensation for losses caused by the accident. Period of insurance, the insured amount and the insurance liability insurer constitutes an indispensable element of compensation. (2) the amount of compensation shall be equal to the actual loss. In accordance with the civil standard of behavior and loss of compensation should be equal, the insured can not obtain additional benefits from the insurance on, so the amount of compensation the insurer can only be insured amount of actual loss. In other words, the insurer that compensation should be the subject matter insured just before the accident to return to the status of the insurance. (3) damages are the obligations of the insurer. Accordingly, a claim the insured person request, the insurer shall be by the initiative, the rapid, accurate and reasonable, approved as soon as possible losses, with the agreement and the claimant liable for the damage; insurer has failed to fulfill the obligation of reparation, in addition to payment insurance, shall indemnify the insured person has suffered loss. Fifth, the principle of proximate cause The principle is the meaning of proximate cause: damage to the results of accidents and dangerous must have a direct causal relationship, if the risk of accident is within the responsibility of the insurer, the insurer for compensation or benefits. In real life, the damage results may result from a single result or a result. One result of relatively simple, due to the relatively more complicated, mainly in the following situations: (1) more a result of the same time. If both are insured event occurred, the insurer liable; if one of both the insured and also has the responsibility to remove the items, the insurer bear only insured losses. (2) more a result of continuous occurrence. Disasters occurred more than two consecutive damage, generally recent (post by), as the proximate cause of the most effective, if the accident is insured, the insurer assumes Peifu responsibility. However, the natural consequence is the result of a direct antecedent, natural continuation of a reasonable time period or previously as the immediate cause. (3) usually caused by interruption occurred. After due and that no causal relationship between antecedent, independent of each other. Deal with this situation alone because roughly the same as that of various independent insurer whether the risk of accident insurance accident, whether Peifu.
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Buy a new car insurance
More and more people buy cars, but people are not familiar with procedures for more than a new car, many car owners choose for their own insurance are often confused. The face of numerous types of insurance, the premiums of different insurance companies, how should _select_ the most suitable auto insurance products? Traffic Insurance must be purchased According to "compulsory traffic accident liability insurance regulations," the provisions of 8 from 2008, all new vehicles and insurance renewal of expired vehicle traffic compulsory insurance must be purchased. To take the following six examples: private cars, the premium of 950 yuan, 1,000 yuan business of non-operating vehicles, vehicle 950 non-profit agency, operating lease rentals 1,800 yuan. Insurance companies will be judged according to the vehicle sales invoice. Most of the new car is a novice driver corresponding, relatively high rates of escape from danger, so the insurance companies are generally reluctant to provide significant discounts to new car. But in the doctors, journalists, bank employees, civil servants and other professional personnel specific tasks, the dangerous condition of insurance companies that they rate lower than normal in the car, so will have some offers, discounts are in the 8-fold less. Car insurance should be "perfectionist" In addition to cross-country strong mandatory purchase insurance, the new owner needs to purchase some necessary business insurance, including Che Sunxian, liability insurance, Daoqiang Xian, car insurance and other personnel. Buy additional insurance where appropriate Car owners also according to their actual status and the use of a targeted _select_ion of additional risks. These types of insurance include: single glass breakage, scratches, insurance, and other non-deductible insurance. If your car out of traffic chaos in the market often and so easily virtually scratch car paint, you can consider buying a scratch risk. If the car had parked in the parking lot next to construction sites, often have small stones flying, but also valuable to your windshield, it is recommended that you separate a glass breakage insurance in order to avoid economic losses. In addition, summer weather is hot, car prone to spontaneous combustion, you have plenty of economic conditions in the case of spontaneous combustion can also buy insurance, be prepared. To remind everyone that the inevitable bumps car novice, the frequency of accidents is relatively high, therefore, insurance experts suggest that the owner, if the installment plan to purchase a new car, you must purchase all required insurance ; If you use the full amount of the purchase a new car, you own is a novice, in order to reduce losses, consider buying insurance outside than spontaneous loss of the contents of all the insured. _Select_ the insurance company should be fine In determining the choice of insurance and should get the discount later, we in the process of buying car insurance how to choose insurance companies, the purchase process should also pay attention to what the problem? Insiders suggest that if your car is new, and relatively high price of the option of a large auto insurance company. Because of the more high-end cars, a corresponding higher repair costs, in the event event which may bear the greater financial pressure, and the relative amount of the debts of large companies will be higher, the level of designated repair station is relatively high. But look at the premium paid, in general, the same model and type of coverage of large companies than small companies with high premiums. If your car is old, or the purchase price is not high, the cost of repairs will not be very high, and your driving skills and more mature, more cost effective to choose a small company. In addition, experts advise the insured, if your car often go for long distances, you should try to choose the larger insurance companies to insurance, because insurance companies have branches throughout the country, trouble can be handled immediately in the local loss, claims and so on. In addition, experts suggest, the owner can not only re-insurance auto insurance prices, it should be combined with their own car to determine the actual situation, such as whether the often long distances, such as whether the designated person driving, dangerous condition of the time required for integrated services.
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Car insurance tips
First, the vehicle insurance amount determined according to 新车购置价. Loss of vehicle risk insurance amount can be insured value or when the actual value of a new car. But pay attention to the value of the insurance amount shall not exceed the vehicle, because more than part of the void. Second, the driver passenger accident insurance, the insured when the insured under a seat or use a few seats, if more than 2, the Block 5 Comparison of cost-effective full coverage. Third, third party liability insurance of 5 million yuan, 100,000 yuan, 200,000 yuan, 50 million and 1 million yuan of five grades, premiums were 1,040 yuan, 1,300 yuan, 1,500 yuan, 1,730 yuan, 1820 yuan. In general, more appropriate insurance 10 million in general able to cope with the accident. Fourth, spontaneous combustion vehicle insurance is the reason for oil or circuit damage caused by spontaneous combustion of the guarantee. However, spontaneous car accident is extremely rare, so do not need insurance. Fifth, used cars and Che Sunxian Daoqiang Xian, the real value of insurance when the vehicle minus depreciation by 新车购置价 to determine the general depreciation per thousand per year.
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Insurance should pay attention to the problem
First, do not repeat the insured Some think that more investment from the several insured insurance, the insured vehicle can make several more compensation. In accordance with the "Insurance Law" _set_ out in Article IV: "double insurance, each insurer of vehicles the total amount of compensation shall not exceed the insured value." Thus, even if repeated insurance policyholders will not get over the value of claims. Second, do not over-insured or not insured in full Some car owners, it's clear the value of 10 million vehicles, but the insurance coverage of 15 million that will be able to spend more and more Peifu. However, some cars worth 20 million, but insured by 10 million. Both the insured can not be effectively protected. Based on "Insurance" thirtieth stipulates: "the insurance amount shall not exceed the insured value, more than the insured value, the excess part of the void. The insured amount is less than the insured value, except otherwise provided, the insurer and the insured under the insurance amount the proportion of the value of liability. "So over-insured, full insurance can not receive additional benefits. Third, the insurance to save Some car owners in order to save premium, some insurance to less security, or just Che Sunxian insurance, third party liability insurance does not guarantee or insurance only covers the main, do not guarantee additional insurance. In fact, all have their own insurance liability insurance, if the vehicle is really an accident, the insurance company can only be made based on the original commitment to the insurance liability insurance contract to give damages, and some of the other owners may not receive compensation for the loss. Fourth, timely renewal Some owners can not be promptly after the expiration of the insurance contract renewal, but the days of the weather, in the past few days in case the vehicle had an accident, is it too late. Fifth, to carefully review insurance documents When you receive insurance documents, be sure to carefully check to see whether the documents associated with the third white and printed on NCR paper printing security light brown shade, the upper-left corner is printed the "China Insurance Regulatory Commission producer" words, the upper right corner is printed with "limits of × × provinces (autonomous regions) sales" message, if not refuse to sign the bill. Sixth, pay attention to the authenticity of the Audit Agent When the insured to _select_ the insurance company approved by the state-owned insurance agency, not just the easy way to find an insurance agent easily insured, but can not be the so-called "high return" of the lure, but only a small gain but when the agent on the fake. VII, check policy Procedures to get the insurance policy for the original finish, after check in time listed on the policy items such as license plate number, engine number, etc., if any mistakes, make corrections immediately. Eight, carry insurance card Insurance cards should be onboard, in case of accident, should immediately notify the insurance company report to the traffic management department. Nine in advance renewal Remember the deadline for the insurance ahead of time for renewal. X. Note MO Health "cheat compensation" trick A handful of people, always want to make a fortune as a shortcut to the insurance and, if the insured after the first escape from danger, and some artificially create Chuxian accident, and some forged, altered, added car, medical invoices and proof, which belonged to cheat the scope of compensation, is in breach of the law. Therefore, those car owners on these issues, do not petty "smart."
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Auto insurance claims
First, the onboard motor vehicle "three cards of a single" clear copy of the owner ID card, driving license, driving license and insurance and large unit. Remind everyone here, and now many insurance companies as the insurance claims small card is not proof. Second, the dangerous condition is very important and timely report, especially in a major accident. Call the insurance company needs to provide policy report phone number, escape from danger time and place, the accidents and other basic information. Third, the temporary license for the vehicle is generally strong short-term pay insurance, and there are provisions and time lines, other than the prescribed route and time of occurrence of the accident insurance company does not undertake Peifu responsibility. Fourth, when the dangerous condition of the vehicle in different places, and the Times, the insurance company to assess the damage from the dangerous condition on behalf of the staff survey to assess the damage. Peifu dangerous condition of the land cost is generally the industry standard by the valuation, if only partial damage to the back cover to find that part of the cost of repairs can be completed to assess the damage the insurance company for compensation. Of the insured person who commissioned the repair shop to handle the compensation or damages will be directly allocated to the accident repair shop, power of attorney shall be personally signed and submitted to the insurance company record. Each repair, the quality of the contract signed with the repair shop, so as to safeguard their legitimate rights and interests.
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Wikipedia Daquan
Car insurance Steam risk property insurance on a school. Insurance and car insurance is divided into the third body Are two kinds of liability insurance. On body insurance, the insurer is responsible for the insured vehicle and its equipment, spare parts Suffered due to specified insurance policy for disasters and accidents, loss, theft, damage due to be lost Compensation, the other on the car ferry across the river when the accident occurred due to losses caused to be responsible But only to take care of a car driver of the vehicle. On motor third party liability insurance, the insurer Responsible for the insurance car accident, according to a third party by the insured's bodily injury Death and property damage liability for.
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English Expression
: car insurance
n.: motor insurance
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