Abstract: how to give the car insurance to the car insurance in order to find out what the insurance company you choose, such as the collision behavior of the vehicle is a necessary clause, but some insurance companies will be caused by the explosion and fire.
how to give the car insurance
is the first to find out what the insurance company you choose to cover,Shop Top Designer Clothing, for example, the collision behavior of the vehicle is a necessary clause, but some insurance companies will be listed as the main product because of the loss of the vehicle caused by the explosion and fire, some of which are caused by natural disasters. Simply do not put it in the insurance liability, so you should read and ask carefully when reading the contract.
also needs to know clearly what the insurance company does not specifically protect, so we need to make clear the exemption parts listed by the insurance companies. Often consumers and insurance companies dispute claims when they are not clear because of this point. For example, glass rupture or body scratching is an exemption clause in most insurance companies, which requires the owner to purchase specialized additional insurance.
In the end,
is the insured amount of the car loss insurance. When you buy the car damage, it is usually a new car purchase price to determine the amount of the insured. Once an accident occurs, the insurance company is generally able to meet the needs of the car owner to repair the car. At the same time, we can consider the purchase of the exemption special insurance, for example, for the theft of the insurance. The insurance companies have a 20% franchise for pilfer insurance. That is to say, the insurance company only takes 80% of the losses. The owners need to bear 20% of the responsibility. However, if you purchase a non deductible special insurance policy, the franchise will be zero, and the whole robbery will be borne by the insurance company.
experts remind
two misunderstandings must avoid
insurance experts put forward two points to pay attention to at present when many owners are insured, one is to avoid insuring or overtaking, such as your car value of 100 thousand yuan, you have insured it for 150 thousand yuan, or, on the contrary,Designer Womens Apparel, your insured amount is less than the price of your car, these two kinds of parties All these are unreasonable and may not be effectively insured. According to the provisions of the insurance law, the amount of insurance shall not exceed the insured value,columbia clothing, and the excess shall be invalid if the insured value exceeds the insured value. If the amount of insurance is lower than the value of the insurance, the insurer shall bear the liability for compensation in accordance with the proportion of the insured amount to the value of the insurance unless there is an agreement in the insurance contract. The two is to avoid duplication of insurance. If you buy insurance after an insurance company, do not insure from another insurance company. The insurance law stipulates that the sum of the total amount of the insurance coverage of a double insurance shall not exceed the insured value if the sum of the total amount of the double insurance exceeds the insured value. Therefore, even if you repeat several times of insurance, you will not get the excess compensation.
is not the only reason to insure
after your insurance coverage is set, under the same insurance coverage,Fashion & Designer Clothing, the insurance company experts suggest that the car will mainly compare the s of each insurance company.