At present, there are many insurance companies engaged in the business process of motor vehicle insurance. Generally, car buyers only pay attention to the price of insurance premium when purchasing vehicle commercial insurance, but usually ignore other aspects, which leads to the low cost performance of purchasing insurance in the early stage and the time-consuming and money-consuming claim settlement in the middle and late stage.
At present, many insurance companies choose low-discount countervailing measures in order to better ensure their market share in the auto insurance market and obtain a certain cash flow, but they usually ignore the middle and late claims service for car buyers, resulting in a large number of claims disputes between car buyers and insurance companies.
According to the specific situation of comprehensive insurance companies and the specific requirements of car buyers, this lawyer thinks that choosing an auto insurance company should be studied from these aspects:
1. Are there enough outlets where vehicles often use addresses?
When an insurance accident happens to a vehicle, you should ensure that there are corresponding insurance company business outlets in the local area to provide immediate and reasonable on-site survey and rescue services, otherwise you will be slow to call every day.
2. Is the market share of common vehicle addresses at the top?
The high market share at least shows that the insurance company has a high awareness of auto insurance, and the resources and capital investment in auto insurance business process are unnecessary or large, which can reasonably ensure the requirements of customers.
3. What level of institution is the insurance company's claim process?
At present, insurance companies are divided into four levels: company headquarters, provincial and ministerial subsidiaries, prefecture-level subsidiaries and district (county) branches (subsidiaries). Therefore, if the claim procedure is organized by a lower level, the higher the efficiency and relevance, the easier the claim procedure will be.
4. Does the designated or agreed auto repair shop and auto 4S shop meet their own requirements?
This will be very important in the event of a safety accident afterwards. Different venues maintain different vehicles, with different prices and different quality. This is the most concerned issue for car buyers.
5. What is the insurance company's evaluation of the users who claim compensation among other car buyers?
Many insurance companies, due to the lack of development trend of their own business outlets, lack of economic strength, limited claims management authority and other reasons, can easily lead to a long claim time and a wide range of claims refusal in the middle and late stages of commercial insurance. Therefore, before buying insurance, it is very necessary to master the user evaluation of insurance companies in detail.
Second, how to choose the appropriate insurance coverage?
Motor vehicle insurance for family vehicles is divided into basic insurance and additional insurance.
(a) to buy basic insurance
The basic risks are vehicle loss insurance and third party liability insurance. The commercial insurance credit limit of vehicle loss insurance is generally defined according to the current use value of the vehicle. If it is a new car, this is the purchase price of the vehicle. If it is a second-hand car, evaluate the price according to the transaction price or sales market.
And the insurance company and the insured are clear to each other. Third-party liability insurance is the obligation of the insurance company to give several levels in advance, and the insured chooses to buy it according to his own specific situation, such as 200,000, 500,000,1100,000.
When choosing the level of obligation, car buyers should consider the following factors:
First, compensation for personal injury caused by frequent use of vehicles.
Due to the rich domestic products, the development of different regions is very different, which leads to great differences in salaries among provinces. Criminal defense lawyers in Du Liang organized claims for road traffic accidents in Shenzhen, Changsha and Wuhan.
Taking the death of urban registered adults as the normal state, the compensation in Shenzhen is close to1million, about 250,000 in Changsha and 280,000 in Wuhan. Therefore, the compensation amount of third party liability insurance should be able to guarantee the compensation amount of at least one dead person in addition to the compensation amount that can be obtained from compulsory insurance. The specific amount can be consulted with local criminal defense lawyers.
Second, the technical mastery of vehicle drivers.
If the driver of the vehicle is highly skilled and has little or no opportunity to lend it to others, the obligation to buy third-party liability insurance can be completely alleviated. After all, the higher the purchase amount, the higher the cost.
(2) Purchase additional risks
Common additional risks include: car theft, independent breakage of laminated glass, body scratch loss, fire loss, liability insurance for staff in the car, deductible insurance and other additional risks developed and designed by various insurance companies.
How to choose the above additional risks can not only reasonably ensure the application of your own vehicle, but also save costs, so it is necessary to make scientific arrangements according to the specific conditions of the vehicle and the insured.
1, new car customer
For newly purchased cars, manufacturers and suppliers generally have warranty service commitments, so fire loss insurance and laminated glass independent breakage insurance are not the main additional risks.
As for the security of social order, natural environment and storage address in the application area of the insured vehicle, the main consideration should be the theft of the whole vehicle and the scratching of the body. After all, there is a great risk of new cars being stolen and scratched.
In the case that the new car is of great use value and the risk of future insurance accidents is high, you should buy non-deductible insurance.
2, beyond the manufacturer's warranty period or a certain service life of the vehicle.
Because the service life of the vehicle is a period of time, the fire risk of the vehicle increases, so it is recommended to buy fire loss insurance.
If the vehicle is well maintained, it has great use value, and at the same time, the local public security is not very good, and there are many theft cases. You can also consider buying vehicle theft insurance and body scratch loss insurance.
3. Are other vehicles often installed?
If the vehicle is often installed by others, you can consider the liability insurance of the staff in the vehicle, otherwise it is not strongly recommended.
The above is my detailed introduction, I hope it will help you after reading it.