You can change to another insurance company. At present, only insurance companies in Shanghai are interoperable, so you will be blacklisted in one insurance company and will raise prices in other companies. But other cities have not realized the enjoyment of information, so it is no problem in other cities.
No matter how you buy auto insurance, you can repair it directly in the 4s shop.
The types of automobile insurance are as follows:
A few days ago, the China Insurance Regulatory Commission asked all property insurance companies to strengthen risk management and control in all aspects of auto insurance, such as receiving and reporting, investigation, nuclear loss and compensation, and strictly control the behavior of auto insurance reporting false cases and fraudulent insurance. With the growth of the auto insurance market, more and more new car owners will face all kinds of specious insurance at the first time after buying a car. Some car owners don't care much about this. They think they can buy all insurance in the first year or two, and then reduce it year by year according to their own needs in the actual car use. However, more car owners still have to consider the money in their pockets. After all, the expenditure on auto insurance accounts for 20%-30% of the annual car maintenance cost. If these types of insurance are well screened, you will find that you can save a considerable sum of money every year.
At present, there are two kinds of auto insurance: compulsory insurance and commercial insurance. After you buy a car, compulsory insurance is required by law. Even if the cost is saved, it is impossible to save this compulsory insurance. Because the insurance liability of "compulsory insurance" is only the loss caused by the insured vehicle to the third party, and there is a certain amount of insurance as the limit, it is far from enough to protect the risk of the vehicle only by purchasing "compulsory insurance". For car owners, if they want to have a more comprehensive protection of vehicle risks, they must also buy auto insurance commercial insurance products. If you want to save money, you can choose from many types of commercial insurance according to your actual needs.
● Vehicle loss insurance
Explanation: It refers to the loss of the insured vehicle itself caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, and the insurance company shall bear the cost of repairing the vehicle.
Scope of application: all vehicles.
Practical index: ★★★★★★★
Expert advice: definitely buy it. However, it should be noted that the car price is constantly depreciating. Once there is a claim against the insurance company, the insurance company will pay according to the market price minus depreciation at the time of your claim. Therefore, when buying auto insurance, it is unrealistic to think that the insurance premium is higher.
● Third party liability insurance
Explanation: It refers to bumping into someone while driving. At this time, you need to compensate each other, and the money is paid by the insurance company. Note that it and compulsory insurance are complementary, and compulsory insurance is fully responsible and non-responsible. Have the responsibility to pay the maximum amount, and have no responsibility to pay 20%; The liability of third party liability insurance is different, with full liability 100%, main liability 70%, joint liability 50%, minor liability 30% and no liability 0%.
Scope of application: all vehicles.
Practical index: ★★★★★★★
Expert advice: you should buy it.
● Vehicle seat liability insurance
Explanation: It refers to the loss of driver or passenger casualties caused by accidents while driving, and no compensation is required.
Scope of application: car owners who like to take their families out of go on road trip, especially those who have reckless driving style and are prone to "quarreling".
Practical index: ★★★★★
Expert advice: it is recommended to buy. In the event of an accident, you can get relevant compensation according to the seat you bought in the car.
● Risk of individual tire breakage
Interpretation: If your vehicle is punctured while driving, you can get compensation, but if the tire is damaged due to collision, you can pay in the car damage insurance.
Scope of application: all vehicles.
Practical index: ★
Expert advice: there is no need to buy it. At present, there are often some disputes about whether a tire is "broken alone".
● Spontaneous combustion loss insurance
Interpretation: The insurance company will "pay the bill" for the loss of the vehicle and the expenses paid for the rescue due to the failure of the vehicle's electrical appliances, wiring, oil supply system, spontaneous combustion of goods, etc.
Scope of application: older cars, no modified cars.
Practical index: ★
Expert advice: there is no need to buy it. After all, the probability of spontaneous combustion is extremely low, which generally occurs in those cars that are repaired and modified.
● No deductible.
Interpretation: In order to prevent car owners from driving on the road at will after purchasing insurance, there is no quota. No matter how serious the accident is, the car owners have to bear 20%, and the insurance company has to bear 80% at most.
Scope of application: all vehicles.
Practical index: ★★★★
Expert advice: it is recommended to buy. If you want the insurance company to pay for you, you should spend more money and buy additional insurance, because no matter what happens, the insurance company can bear 100%.
● Risk of broken glass only.
Interpretation: It means that there is no collision, no man-made damage, and the glass is broken, so you can claim compensation from the insurance company.
Scope of application: imported cars and vehicles that often drive on expressways and often run long distances and construction sites.
Practical index: ★★★★★
Expert advice: it is recommended to buy. Many drivers who often run high-speed have a painful experience: after the big truck next to you passes by you, it usually "gives up" some gravel and slams into your front windshield. If you buy an imported car, after buying this insurance, if you need to replace the original car glass, you can replace it with imported glass with the same value as the original car.
● Vehicle water insurance
Interpretation: Although the car damage insurance clearly stipulates that the insurance company can compensate for the loss caused by heavy rain, the engine damage caused by water entering the exhaust pipe of the car is not included. Therefore, this kind of insurance shows its importance.
Scope of application: Although all vehicles (high-chassis SUVs) have a strong passability on stagnant water roads, such car owners should consider the necessity of this insurance according to their own operating habits, because inexperienced novices often think that their vehicle chassis is high and rush through, which greatly increases the chances of winning the bid. )
Practical index: ★★★★★
Expert's suggestion: Considering the rainy season and long-standing flooding problem in Guangzhou, and the novice is prone to improper operation, it is recommended to buy it.
● Vehicle cargo liability insurance
Interpretation: It means that the owner can get compensation from the insurance company if he has an accident while driving, resulting in the loss of the goods on board.
Scope of application: mainly for trucks.
Practical index: ★★★
Expert advice: there is no need to buy it.
● Theft and rescue
Interpretation: Losses caused by stolen or robbed vehicles can be paid by insurance companies.
Scope of application: it is a hot-selling model in the market, and the anti-theft facilities on the car are easy to be destroyed, and the safety factor of the parking position of the car is low.
Practical index: ★★★★★
Expert advice: it is recommended to buy.
● Body scratch loss insurance
Explanation: It means that the car is accidentally scratched, and the repair cost is paid by the insurance company.
Scope of application: new car within two years.
Practical index: ★★★★
Expert advice: if it is a new car, it is recommended to buy it within two years.
● No-fault liability insurance
Explanation: It collided with some passers-by riding or walking, causing injuries to others.
Scope of application: all vehicles.
Practical index: ★
Expert advice: there is no need to buy it. If you are not careful, there will be a third party to protect yourself.
The above answer comes from Ugly Security Network.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.