How to avoid high insurance and low compensation when buying auto insurance？
With the rapid development of China's automobile industry, automobile insurance complaints and disputes have become the focus of public concern。 In auto insurance claims, the owner of the insurance company " overlord terms" dissatisfaction voice is more and more strong, according to New car The price of insurance can only be based on the current car price claims, this kind of " high investment and low compensation" phenomenon, is the auto insurance industry has a long history " Hidden rules " the。 Following the exposure of the phenomenon of " no liability and no compensation" in the auto insurance contract, the hidden rules of " high insurance and low compensation" are also being questioned by all parties。
■ experts Answering question
1... How to calculate the actual value of the vehicle？
The insurance company of the actual value of the vehicle accounting is mainly according to the purchase price of new car depreciation, depreciation of 0 per month. 6 per cent, 7 per cent per year. 2. % calculation。 For example, 200,000 yuan of car, the value of the second year is only 18. 5.60 thousand yuan, the third year value is only 17. $ 120,000, and so on。
2. Why do you want to reference the new car price insurance？
Picc, ping an, Pacific and other property insurance companies in the old car insurance loss insurance, according to the system to quote the new car price to determine the amount of insurance, such as the customer insisted that according to the actual value of depreciation after insurance, some companies said can also, but in the claims to pay in proportion, not all compensate。 If the market price of a car is 100,000 yuan, but the actual value of the depreciation of the car is 80,000 yuan, if the customer according to 80,000 yuan insurance, so in the future out of danger, the insurance company compensation can only play 8 %, 1000 yuan loss insurance company can only compensate 800 yuan, the remaining 200 yuan to pay。
3.. What are the precautions when insuring？
Owners in the insurance, to carefully check the amount of insurance, do full insurance。 Car damage insurance in full insurance can be paid in full。 In addition, most of the insurance companies still have 20 % of the deductible, insurance amount is too low will make more trouble when out of danger, loss increases。 Due to the difference between full and not full insurance is only a few hundred yuan, insurance experts do not advocate the owners to save the premium and the vehicle for " minimal assurance"。
4.. How to insure is the most economical？
If the old owner technology is better and the vehicle has been driving for many years, the difference between the price of a new car and the price of the vehicle after the discount is too big, it is suggested that the owner can not protect the car damage insurance, and increase the amount of three liability insurance。 Increase the three liability insurance is to prevent cuts, as well as chasing the tail of others car, three liability insurance is compensate others。 These responsibilities are generally larger, the amount of insurance to keep as high as possible, and the car damage is mainly compensate their car damage, if the accident rate is low, after the risk can choose to pay Repair , may be more cost-effective than buying multi-year full coverage。
5. Can the insured amount of car damage insurance be changed？
Usually, the insurance company has the highest and lowest limit on the amount of insurance in the car damage insurance, and consumers can choose different amount of insurance for each purchase of insurance according to their own situation。 For example, a car Regal[ Overview Picture Forum ]] Last year in accordance with the depreciation of 160 thousand yuan for insurance, renewal this year can be in accordance with the purchase tax price of 240 thousand yuan for insurance, for this reason the owner may pay more than six hundred and seventy yuan in the car damage insurance。1
■ background
In CCTV's recent weekly quality report, Mr Gao in Beijing bought a car in 2003, but with the increase in service life, Mr Gao found that the insurance amount of car insurance in the car damage insurance and illegal rescue gap is more and more big。 By 2010, his car damage insurance amount was set at 19. 10 thousand yuan, and the amount of theft and rescue insurance is only 100 thousand yuan。 That is to say, if the car was damaged can be awarded a maximum of 190 thousand yuan, if stolen can only get 100 thousand yuan。 Similarly, in Ningbo, Zhejiang Zhou dinghai insurance for nine consecutive years since 2001, including the front part is according to the new car price 88920 yuan insurance。 In 2009, the car was damaged。 The insurance company stated that only 20896 would be reimbursed for depreciation on the front part. 20 yuan。
At least dozens of insurance companies are now implementing the terms of the new car value approved insurance amount, but in the event of an accident but according to the actual value of the vehicle claims。 That is to say, even if the owner in full insurance, but part of the loss occurs, also can't apply from the insurance company to the highest insurance amount, but if the owner didn't make a risk, or make a risk claim amount didn't reach the actual value of the vehicle, the insurance company will be invalid insurance amount corresponding to the premium in his pocket in vain。
? press investigations
" high insurance low compensation" phenomenon is still very common
" high insurance and low compensation" in auto insurance claims has been one of the focus of consumer complaints, the reporter learned from the insurance company, the new " insurance law" promulgated in 2009, but also for auto insurance claims in the " high insurance and low compensation" in the provisions of the phenomenon, the insured and the insurer agreed on the insurance value of the subject matter of insurance and stated in the contract, the subject matter of insurance loss occurs, to the agreed insurance value as compensation calculation standard。 Where the applicant and the insurer have not agreed on the insurable value of the subject matter insured, the actual value of the subject matter insured at the time of the occurrence of the insurance accident shall be taken as the compensation calculation standard。 In other words, the insurance law stipulates that the insured amount shall not be higher than the value of the subject matter, that is to say, to the old car insurance is no longer in accordance with the new car price, but in accordance with the current value of the old car, otherwise it is illegal。
Many owners questioned, " now my car is not worth the new car price ah, according to the new car price insurance is not lost？ " in response to the customer's question, a car insurance company head said," because although it is old car out of danger, but the replacement parts of the insurance company is new。 Therefore, the insurance company will be based on the applicant Models The new car price at that time to determine the premium base price, this is relatively fair。 And now Car The current situation of the market is also cheap cars, expensive accessories。 " the
The insurance company refers to the new car price as the insurance amount in the car damage insurance, resulting in the longer the service life of the vehicle, the greater the difference between the car damage insurance amount and the actual value of the vehicle after depreciation。 Although this phenomenon has been questioned by car owners, but in the actual process, dealers think it is not difficult to communicate with the owner in this, many owners do not want to use high repair after the vehicle, and prefer to choose the insurance company's one-time payment to replace the new car。 For example, when the amount of vehicle loss exceeds 80 % of the actual value of the vehicle, the insurance company will take the initiative to communicate with the owner of the settlement plan。 The repair of vehicles according to a cost contract to the maintenance plant, or part of the repair of difficult vehicles, the " total loss" of the " presumption", to give cash compensation。 For the owner, in addition to choose to use claims for vehicle repair, but also directly to the insurance company to apply for payment replacement of new cars。
The owner of the insurance, the amount of insurance can not be too low
Reporters learned from dealers, the purchase of auto insurance is divided into full and not full insurance two ways, at present, most of the owners have chosen to be fully insured, that is, in the process of claims can be paid in full。 Reporter dial insurance company customer service telephone, the other party explained the insurance company to provide the contract clearly indicate the amount of insurance can be determined from three ways, one is according to the insured vehicle purchase price insurance; Two is according to the actual value of the insured vehicle insurance; Three is the insurance in the insured vehicle purchase price negotiation insurance。 The owner can choose three kinds of insurance amount of insurance is confirmed。 But in addition to the first in accordance with the new car price to determine the amount of insurance for the full amount of insurance, the rest of the two ways are not full insurance, in the actual settlement of the insurance company to enjoy a certain discount rate。 Therefore, insurance experts suggest that the owners of the best way to use full insurance。 At present, there are many insurance companies in order to reduce complaints, the abolition of insufficient insurance。
At present, the main way of full coverage of vehicle damage insurance is to set the highest and lowest vehicle value。 Due to the fluctuation of market price, usually the insurance company will refer to the purchase price of new cars for different models set the highest and lowest limit, the owner can according to their own safety situation for up and down range of insurance amount of choice, the difference between only thirty-five thousand yuan, less premium difference to hundreds of yuan。 Therefore, dealers suggest that if the owner of the vehicle environment is safer, the occurrence of total loss of vehicles, theft and robbery probability is very small, or vehicles used for many years, the residual value of old cars is not high, you can choose the lowest set price for insurance, on the contrary, the owner needs to choose the highest set price for insurance。
( reporter Shao yumei )
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