Everyone says that auto insurance should be selective insurance. In the end how to choose?

"All risks" generally include: traffic risk insurance, vehicle loss insurance, third party liability insurance, full vehicle robberies, body scratches insurance, on-board personnel liability insurance, separate glass breakage insurance and excluding special contract terms. Insurance coverage above can basically cover common risks in traffic accidents.

Disclaimer to see

Before insuring auto insurance, first of all, it should clearly see the liability exemption clause in the insurance contract, because the liability exemption clause is the clause that exempts the insurance company from the insurance contract in the insurance contract.

Insurance contracts are contractual acts. In the event of an accident, the insurance company must strictly comply with the terms of the insurance contract to implement the compensation insurance obligation. Therefore, the exemption clause in the insurance contract directly relates to whether the insurance consumer can obtain the payment.

For example, in the clause of vehicle loss insurance, the loss of glass alone, collision-free body scratches and engine wading is clearly included in the scope of liability exclusion. Such losses need to be covered by a separate insurance product to obtain compensation; third-party liability insurance China Insurance Company is not responsible for the compensation of personal injury or property loss on the insured vehicle's own vehicle; other common liability exemptions include accidental loss in the case of driving without a license, drinking driving, and failure of the insured vehicle to perform inspections as required, and Loss caused by intentional behavior of the insured.

Insurance mix should be reasonable

In the face of a wide variety of auto insurance products, it is difficult for car owners, especially novice drivers, to identify how to deal with insurance products in order to be effectively protected.

At present, commercial automobile insurance on the market includes the main insurance and additional insurance. The main insurance can be insured separately. The additional insurance cannot be covered separately. Only on the basis of the main insurance can the insurance be added. Consumers can choose according to their own situation. buy.

The main insurance of commercial auto insurance includes vehicle loss insurance and third-party liability insurance, while common additional insurance includes glass breakage insurance, self-ignition insurance, engine wading loss insurance, and non-deductible special contract terms. The reason why insurance companies design a wide range of additional risks is mainly to meet the diverse insurance needs of different car owners.

In fact, some additional risks are not suitable for all car owners' friends. This is related to the risk preferences of car owners' friends, economic capabilities, vehicle maintenance status, driving conditions and parking areas. Taking the engine wading loss insurance as an example, in regions where there is more precipitation and prone to guilt, the risk of engine wading is greater, and the owner’s friends can choose to purchase the additional insurance. Conversely, in areas where precipitation is scarce, car owner friends may not purchase this additional insurance.

Need special tips, some owners of friends to save on premiums, often do not buy or buy third-party liability insurance. In the event of a casualty accident, it will bring enormous economic burdens to themselves, and some car owners may even cause serious social problems due to their inability to afford it. Therefore, when insuring third-party liability insurance, it is necessary to fully consider the amount of local people’s injury and death compensation before purchasing the insurance.

Perform contractual obligations

At the same time of obtaining auto insurance protection, car owners' friends also need to have the consciousness of fulfilling contractual contract obligations, because insurance consumption is essentially a kind of contract behavior, and insurance companies and car owners’ friends must fulfill corresponding obligations on the basis of contracts.

To this end, the owner's friends should understand the obligations of the policyholder and the insured in the insurance contract and perform it in a timely manner so as to avoid affecting their own contractual rights and interests due to failure to perform the contractual obligations. The more common obligations include providing vehicle and driver information when insurance is insured, informing the insurance company when the vehicle is being refitted during the insurance period or operating the business, and informing the insurance company and assisting the insurance company to carry out on-site inspection after an accident.

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