How to avoid the waste of insurance products by buying full insurance and incomplete automobile insurance
□ case review of ping an telephone auto insurance Wang Wenbin
Every time the car insurance expires, the owner Mr Wang is very headache。 In the face of many commercial insurance, Mr Wang don't know how to choose。 Due to the busy work, Mr Wang auto insurance renewal is directly through the salesman's recommendation。 Often in most cases, although buy all the insurance, but in the end a lot of insurance, Mr Wang has never used。
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Nowadays, such as Mr Wang " insurance waste" phenomenon, in many of the car owners do not know about insurance often happen。 Therefore, only the owner of the insurance company to do a thorough understanding of the various types of insurance, in order to make reasonable insurance to buy and match according to their own situation。
Some comments:
Before the owners buy auto insurance, they need to have a clear understanding of the role of each type of insurance。 The principle of buying auto insurance can be simply summed up as " safety first, security first, cost savings"。 But for commercial auto insurance, insurance companies have many kinds of insurance。 At this point, relative to the owner, need to selectively and reasonably match。
At present, several main types of auto insurance are:
One is compulsory insurance。 It is the compulsory purchase of the state insurance, mainly in order to protect in addition to the car and the insured person in addition to the third party victims of the compensation rights and interests。
The other is commercial insurance。 Mainly includes: 1. Vehicle loss insurance is one of the most important types of insurance in vehicle insurance, which is mainly aimed at the vehicle itself。 After the vehicle traffic accident, the owner must rely on this insurance, to claim compensation from the insurance company。 It is recommended that the owner buy this insurance。 2.. Third party liability insurance, similar to the compulsory insurance, is aimed at the third party injury and material damage compensation insurance, but due to the limited amount of compulsory insurance compensation, so the insurance is equivalent to a supplement of compulsory insurance。 3.. Illegal rescue, is responsible for the payment of commercial insurance vehicles stolen stolen after the loss。 4.. Vehicle personnel liability insurance, including the cost of the driver and passengers rescue, death。 5.. Scratch insurance, mainly to compensate for scratch by others, scratch repair costs。 6.. Glass separate breakage risk, mainly refers to the vehicle in the process of use of the car glass separate broken, and if the broken is caused by other accidents, does not belong to the scope of glass separate breakage risk compensation, under normal circumstances can be compensated by the vehicle loss risk。
For the owner, if you need to know the insurance, can through the network query, to the insurance company to ask, or look for a person to understand and so on, and in addition to these channels, the owner can also directly to the insurance company to ask by phone。 Like Mr sun, for example, there is no time to personally online one by one to understand the specific meaning of auto insurance, insurance company's telephone auto insurance business just meet the needs of Mr sun。 The telephone car insurance enables the owner to communicate directly with the insurance company by calling, and the operator of the telephone center of the insurance company has received professional training before taking up his post, and has in-depth understanding of the insurance types, terms and conditions, etc。 Busy car owners, before making the purchase decision, you can use the characteristics of the telephone car insurance, direct dialogue by calling the insurance company, ask for insurance information and the price of these insurance with the required。
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