Car insurance should pay attention to what issues

I will not repeat the insured Some self-insured for more than a few think Paul can make several more vehicles insured damages. In accordance with the "insurance law," the 40th article stipulates: "The repetition of the vehicle insurance the insurer of the amount of compensation may not exceed the sum of the value of insurance." As a result, even if the insurance policyholders repetition will not be super-value compensation. Second, do not over-insured or not insured in full Some owners of vehicles worth 100,000 yuan obviously, but it insured for 15 million insurance that will be able to spend more and more compensation. The value of the car and some 200,000 yuan, 100,000 yuan of insurance. The two can not be effectively insure protection. Based on the "Insurance Law," the 39th article stipulates: "The amount of insurance shall not exceed the value of insurance, more than the value of the insurance, more than some of the void. Insurance payments that are lower than the value of the insurance, in addition to another contract agreement, the insurer in accordance with the amount of insurance and insurance The proportion of the value of the liability. "Therefore, over-insured, the insurance can not be qualified to obtain additional benefits. Third, to preserve insurance Some car owners in order to save premium, like several small security risk, or just Che Sunxian security, but not a third party liability insurance, or only the main security risk, no additional security risk, and so on. In fact, all have their own insurance liability insurance, if the vehicle is really an accident, insurance companies can only be made based on the original insurance contracts to assume the responsibility to give compensation insurance, and the owners of the other losses may not get compensation. Fourth, timely renewal Some car owners in the insurance contract after the expiry of the renewal can not be in a timely manner, but there are days of the ominous clouds, in case of vehicles in the past few days, an accident, not Huizhiwanyi. Five, it is necessary to carefully review insurance documents When you receive insurance documents, must be carefully checked to see whether the joint document adopted in the third white Carbonless Paper and Printing printed on light brown Shading security, which is the upper left corner of India, "the China Insurance Regulatory Commission produced" Words, whether printed in the upper right corner "in limited × × provinces (autonomous regions) sales," the words, in the absence of refuse signing. Sixth, pay attention to examine the authenticity of agents When the insured to select approved by the state-owned insurance companies insured institutions, and not only be easy to find an insurance agency, insurance, but can not be the so-called "high return" to lure just for the sake of small profits but on leave when the agent. Seven, check policy End procedures for insurance policies to get the original, in a timely manner to check the insurance policy is set out in items, such as the license plate number, engine number and so on, if errors and omissions, it is necessary to put an immediate correction. Eight, to carry insurance card Suijuxiedai insurance card should be the event of an accident, it is necessary to immediately notify insurance companies and traffic management report. Nine, ahead of renewal Remember the deadline for insurance in advance for renewal. 10, Mo attention of the Health, "P & I cheated," trick There are a handful of people, with a total insurance would like to make a fortune as a shortcut, if the first after the Chuxian insurance, and some create Chuxian accident, and some forged, altered, added repair and medical invoices and proof that these are deceiving P & I's scope is in conflict with the law. Therefore all owners on these issues, not manipulation "smart."