It's important to buy auto insurance how to match the purchase of water-related insurance or self-combustion insurance

Foshan city public security bureau traffic police detachment estimates, according to the current growth trend of Foshan automobile users, is expected to start this month, Foshan car ownership will break through the million mark, after dongguan into the ranks of " million car city club"�� And in this season, extreme weather such as hot, heavy rain makes many vehicles in a " hot water", reporter visited the car insurance company found that most of the current owners did not buy water-related insurance and self-burning insurance, so how do owners choose insurance coverage��

���� Storm hit:

���� The car was refused compensation for flooding

���� Hot weather:

���� Auto spontaneous combustion occurs frequently

���� Many car owners still remember the torrential rain that lasted nearly two hours on July 11�� The old black spots of flooding, namely, hoi San road and harbour road, will be soaked in the rain., in that heavy rain, the south China sea avenue and Renmin west road have also become new black spots of flooding��

���� Mr Huang, who lives in port road, found that port road has become a " port" when he drove to the door, the door of the road flooding has spread over the wheel, when he wanted to turn around to walk, it was too late, his car has become a part of the flameout��

���� At that time, he secretly glad has bought insurance, the car can't move can also find insurance company compensation�� However, when he sought compensation from the insurance company, he was told that he had not purchased water-related insurance, and the insurance company refused to compensate�� Originally, he didn't notice in the purchase contract before there is no this money�� What made him more angry is that the car in the water also encountered a collision, car lights have Xiao Xiao scratches, but after the report, the insurance company still has not paid��

���� The reporter learned that since July 1, 2006, after the implementation of the payment of strong insurance, commercial auto insurance is also a full range of revision, in its car damage insurance liability is no longer included in the heavy rain caused by car damage, car owners need to be insured by special water-related insurance as an additional insurance to be protected��

���� Hot weather:

���� Auto spontaneous combustion occurs frequently

���� Earlier, in Shunde district rongqi bridge section occurred a tour bus rear spontaneous combustion accident, fortunately, a private car driver saw after the adventure overtaking timely remind, 42 passengers on the car from a disaster�� Many car owners say they are always surprised when driving in hot weather for fear of sudden spontaneous combustion��

���� Summer is a period of auto spontaneous combustion, reporters found that not all auto spontaneous combustion insurance companies will be claims��

���� Reporters learned that many insurance companies in the sale of auto insurance a, b, c three car insurance car damage does not include spontaneous combustion insurance, the need for additional owners to buy self-combustion insurance to be protected�� In fact, the self-combustion insurance is only for the vehicle in the process of driving due to electrical appliances, lines, oil supply system failure caused by spontaneous combustion insurance compensation insurance, and for the owner of their own installation of electronic equipment, modified equipment, such as the occurrence of motor vehicle fire, the insurance company will refuse to pay��

���� Full insurance is not all - encompassing

���� When faced with the extreme situation of " hot water", many people feel sorry for the fact that the insurance purchased in advance does not cover water-related risks and self-combustion risks, and they have been refused compensation�� In the interview, the reporter learned that at present, China ping an property insurance, PICC property insurance and Pacific property insurance and other insurance companies do not sell wading insurance, and some small and medium-sized insurance companies will not take the initiative to recommend car owners additional purchase wading insurance��

���� Different auto insurance services

���� The choice of the owner should be careful

���� Reporters learned that vehicles in addition to compulsory insurance, there are all kinds of commercial auto insurance, such as motor vehicle loss insurance, three risks, the car personnel liability insurance, theft and rescue, car loss deductible special insurance, glass alone broken insurance, body paint alone damage insurance and basic insurance excluding special insurance and other 8 kinds of insurance��

���� Ping an auto insurance and PICC auto insurance will be included as a basic insurance subsidiary of the additional risks, while other insurance companies rarely remind owners: in addition to full insurance, owners can also be matched with the purchase of self-combustion insurance or water-related insurance, etc��

���� In fact, car owners in the case of spontaneous combustion and wading, more need skills to deal with, to buy insurance more selective purchase��

���� Experienced car owners also remind that although the insurance coverage is very fixed, but a little careful car owners can find different channels to buy auto insurance quotation is different�� Because at present, the insurance company in order to compete for a larger market cake, use a variety of concessions for customers, so the owners need to choose a better risk channel, to save money for themselves��

���� For example, when you buy a new car at shop 4 s, the price quoted by shop 4 s is sometimes thousands of dollars higher than the price you choose to buy insurance through telephone, internet and other channels��

���� In addition, many car owners told reporters that the insurance clauses of different insurance companies are slightly different, car owners in the signing of the contract with the insurance company, need to shine your eyes to see clearly the content of the terms, to recognize the responsibility of the insurance company and its own scope of responsibility, as far as possible to negotiate with the insurance company, to ensure their own needs��

���� Advantages of ping an telephone auto insurance

���� A phone call can offer auto insurance, more affordable than other channels�� In addition, the compulsory insurance for two consecutive years did not go out to buy insurance prices can float down 20 %��

���� Mr leung che - Ming, a good driver with nearly 10 years of driving experience, said he would stop wading in flooded streets when the water on the road exceeds that on car headlights�� And in the water depth in the lower edge of the headlight, the car can slowly forward at a constant speed, generally not flameout�� He consulted the staff of ping an property insurance company on the flooding problem., at that time, the customer service staff said that if the vehicle stalled, the owner of the vehicle should never start the vehicle again., instead, he should try to pull the vehicle out of the stagnant water and report the case to the insurance company for handling by the insurance company��

���� Got talent

���� Water immersion

���� Owners of new vehicles do not have to buy self-insurance and vehicles over three years of age need to be considered for purchase�� It is worth reminding that after the car spontaneous combustion, in the process, the driver need to retain the traffic police certificate, 119 fire proof and the scene of the accident proof, that will help the claim��

���� Encounter spontaneous combustion

���� Claims to speed up into a new selling point

���� At present, the acceleration of auto insurance claims has become a new selling point of auto insurance sales��

���� According to ping an auto insurance claims from January to April this year limitation statistics show that the average time waiting for customers to submit documents about 28 hours, the time accounted for 95 % of the case compensation limitation�� It is reported that ping an auto insurance 5000 yuan of the following pure car damage cases accounted for more than 90 % of all cases, about thirty percent of these cases to take the way of delivery of claim information for settlement�� Then, ping an auto insurance launched " 10000 yuan, complete information, 1 day payment" of the new service�� The new service is mainly aimed at the amount of compensation in less than 10 thousand yuan ( including 10 thousand yuan ) of auto insurance liability accident cases, in the case of the customer to submit the claim information is complete and effective, within 1 working days can complete the case approval and notify the payment�� As of April this year, ping an property insurance 99. Ninety - five per cent of cases have been paid for one day, refreshing the property insurance industry's record of service speed��

���� Tips

���� How to obtain a claim��

���� 1, the accident, first report to the insurance company; If encounter material damage, injury must be reported to the traffic police processing at the same time, other circumstances by the site survey personnel to determine whether to report to the traffic police processing��

���� 2, the scene waiting for the insurance company survey personnel to survey the scene of the accident, determine whether the accident is true, at the same time according to the staff instructions to the insurance company fixed loss point for the amount of loss confirmation��

���� 3. after the amount of loss is confirmed, the customer can choose the repair factory or 4 s shop for repair, or repair the factory or 4 s shop according to the suggestion of the insurance company staff��

Foshan city public security bureau traffic police detachment estimates, according to the current growth trend of Foshan automobile users, is expected to start this month, Foshan car ownership will break through the million mark, after dongguan into the ranks of " million car city club"。 And in this season, extreme weather such as hot, heavy rain makes many vehicles in a " hot water", reporter visited the car insurance company found that most of the current owners did not buy water-related insurance and self-burning insurance, so how do owners choose insurance coverage？

　　 Storm hit:

　　 The car was refused compensation for flooding

　　 Hot weather:

　　 Auto spontaneous combustion occurs frequently

　　 Many car owners still remember the torrential rain that lasted nearly two hours on July 11。 The old black spots of flooding, namely, hoi San road and harbour road, will be soaked in the rain., in that heavy rain, the south China sea avenue and Renmin west road have also become new black spots of flooding。

　　 Mr Huang, who lives in port road, found that port road has become a " port" when he drove to the door, the door of the road flooding has spread over the wheel, when he wanted to turn around to walk, it was too late, his car has become a part of the flameout。

　　 At that time, he secretly glad has bought insurance, the car can't move can also find insurance company compensation。 However, when he sought compensation from the insurance company, he was told that he had not purchased water-related insurance, and the insurance company refused to compensate。 Originally, he didn't notice in the purchase contract before there is no this money。 What made him more angry is that the car in the water also encountered a collision, car lights have Xiao Xiao scratches, but after the report, the insurance company still has not paid。

　　 The reporter learned that since July 1, 2006, after the implementation of the payment of strong insurance, commercial auto insurance is also a full range of revision, in its car damage insurance liability is no longer included in the heavy rain caused by car damage, car owners need to be insured by special water-related insurance as an additional insurance to be protected。

　　 Hot weather:

　　 Auto spontaneous combustion occurs frequently

　　 Earlier, in Shunde district rongqi bridge section occurred a tour bus rear spontaneous combustion accident, fortunately, a private car driver saw after the adventure overtaking timely remind, 42 passengers on the car from a disaster。 Many car owners say they are always surprised when driving in hot weather for fear of sudden spontaneous combustion。

　　 Summer is a period of auto spontaneous combustion, reporters found that not all auto spontaneous combustion insurance companies will be claims。

　　 Reporters learned that many insurance companies in the sale of auto insurance a, b, c three car insurance car damage does not include spontaneous combustion insurance, the need for additional owners to buy self-combustion insurance to be protected。 In fact, the self-combustion insurance is only for the vehicle in the process of driving due to electrical appliances, lines, oil supply system failure caused by spontaneous combustion insurance compensation insurance, and for the owner of their own installation of electronic equipment, modified equipment, such as the occurrence of motor vehicle fire, the insurance company will refuse to pay。

　　 Full insurance is not all - encompassing

　　 When faced with the extreme situation of " hot water", many people feel sorry for the fact that the insurance purchased in advance does not cover water-related risks and self-combustion risks, and they have been refused compensation。 In the interview, the reporter learned that at present, China ping an property insurance, PICC property insurance and Pacific property insurance and other insurance companies do not sell wading insurance, and some small and medium-sized insurance companies will not take the initiative to recommend car owners additional purchase wading insurance。

　　 Different auto insurance services

　　 The choice of the owner should be careful

　　 Reporters learned that vehicles in addition to compulsory insurance, there are all kinds of commercial auto insurance, such as motor vehicle loss insurance, three risks, the car personnel liability insurance, theft and rescue, car loss deductible special insurance, glass alone broken insurance, body paint alone damage insurance and basic insurance excluding special insurance and other 8 kinds of insurance。

　　 Ping an auto insurance and PICC auto insurance will be included as a basic insurance subsidiary of the additional risks, while other insurance companies rarely remind owners: in addition to full insurance, owners can also be matched with the purchase of self-combustion insurance or water-related insurance, etc。

　　 In fact, car owners in the case of spontaneous combustion and wading, more need skills to deal with, to buy insurance more selective purchase。

　　 Experienced car owners also remind that although the insurance coverage is very fixed, but a little careful car owners can find different channels to buy auto insurance quotation is different。 Because at present, the insurance company in order to compete for a larger market cake, use a variety of concessions for customers, so the owners need to choose a better risk channel, to save money for themselves。

　　 For example, when you buy a new car at shop 4 s, the price quoted by shop 4 s is sometimes thousands of dollars higher than the price you choose to buy insurance through telephone, internet and other channels。

　　 In addition, many car owners told reporters that the insurance clauses of different insurance companies are slightly different, car owners in the signing of the contract with the insurance company, need to shine your eyes to see clearly the content of the terms, to recognize the responsibility of the insurance company and its own scope of responsibility, as far as possible to negotiate with the insurance company, to ensure their own needs。

　　 Advantages of ping an telephone auto insurance

　　 A phone call can offer auto insurance, more affordable than other channels。 In addition, the compulsory insurance for two consecutive years did not go out to buy insurance prices can float down 20 %。

　　 Mr leung che - Ming, a good driver with nearly 10 years of driving experience, said he would stop wading in flooded streets when the water on the road exceeds that on car headlights。 And in the water depth in the lower edge of the headlight, the car can slowly forward at a constant speed, generally not flameout。 He consulted the staff of ping an property insurance company on the flooding problem., at that time, the customer service staff said that if the vehicle stalled, the owner of the vehicle should never start the vehicle again., instead, he should try to pull the vehicle out of the stagnant water and report the case to the insurance company for handling by the insurance company。

　　 Got talent

　　 Water immersion

　　 Owners of new vehicles do not have to buy self-insurance and vehicles over three years of age need to be considered for purchase。 It is worth reminding that after the car spontaneous combustion, in the process, the driver need to retain the traffic police certificate, 119 fire proof and the scene of the accident proof, that will help the claim。

　　 Encounter spontaneous combustion

　　 Claims to speed up into a new selling point

　　 At present, the acceleration of auto insurance claims has become a new selling point of auto insurance sales。

　　 According to ping an auto insurance claims from January to April this year limitation statistics show that the average time waiting for customers to submit documents about 28 hours, the time accounted for 95 % of the case compensation limitation。 It is reported that ping an auto insurance 5000 yuan of the following pure car damage cases accounted for more than 90 % of all cases, about thirty percent of these cases to take the way of delivery of claim information for settlement。 Then, ping an auto insurance launched " 10000 yuan, complete information, 1 day payment" of the new service。 The new service is mainly aimed at the amount of compensation in less than 10 thousand yuan ( including 10 thousand yuan ) of auto insurance liability accident cases, in the case of the customer to submit the claim information is complete and effective, within 1 working days can complete the case approval and notify the payment。 As of April this year, ping an property insurance 99. Ninety - five per cent of cases have been paid for one day, refreshing the property insurance industry's record of service speed。

　　 Tips

　　 How to obtain a claim？

　　 1, the accident, first report to the insurance company; If encounter material damage, injury must be reported to the traffic police processing at the same time, other circumstances by the site survey personnel to determine whether to report to the traffic police processing。

　　 2, the scene waiting for the insurance company survey personnel to survey the scene of the accident, determine whether the accident is true, at the same time according to the staff instructions to the insurance company fixed loss point for the amount of loss confirmation。

　　 3. after the amount of loss is confirmed, the customer can choose the repair factory or 4 s shop for repair, or repair the factory or 4 s shop according to the suggestion of the insurance company staff。

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