Knowledge of an article on auto insurance articles

1, vehicle insurance Category: Vehicle insurance, there are two, namely, loss of vehicle insurance and third party liability insurance. Mainly refers to the loss vehicle insurance vehicle itself (including the preparation of the vehicle parts and equipment) in the park or moving insurance. Third party liability insurance mainly refers to the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party (such as the pedestrian street, property, etc., and all drivers and vehicles are not the first three) suffered personal injury or property damage insurance directly. Two types of insurance, there are strict distinction, but not including the driver's own insurance. If drivers want to their own safety, insurance, the insured motor vehicle drivers need personal accident insurance or other personal insurance. In insurance, the driver and two insurance units can be insured and the insured can choose one of them. In order to enable individuals or units to be more complete financial security, two types of insurance can be the best insurance. 2, the procedures for handling insurance: Those who owned or collectively owned enterprises, state organs, institutions, people's organizations, individuals or households all together (or shared with others) vehicles, as long as牌证complete inspection by the vehicle management qualified, may apply to the National People's insurance companies. (1) personal insurance procedures: the vehicle to the insurance company designated location, accompanied带齐own work permits, identity cards, in a letter of recommendation, a driver's license, vehicle insurance card and magnetic magnetic document the vehicle, if it is engaged in individual operating the vehicle, but also bring a business license, and to the local insurance companies insured the Operations Section for procedures. Inspection by the insurance companies that the relevant documents that meet the insurance conditions, fill in single-vehicle insurance. Insurance companies correctly fill out the check after a single coverage, depending on the circumstances necessary for the inspection of vehicles, if the conditions in line with the insurance, we can determine from time security and nuclear premiums. Paul from the time a decision by the policyholder can begin immediately, it can be scheduled for the insured. Insurance companies in insurance alone indicate year, month, day, time until the points, respectively, by the insurance companies, and signed and sealed by the insured, the insurance policy entered into force with effect from the agreed date of 0:00 to start the day, to the agreed expiry date of the day 24 pm. Insurance is valid for 1 year is limited, can be more than 1 year but not less than 1 year. Expired can be renewable, but to re-processing. Insurance single in duplicate, respectively, from the custody of insurance companies and policyholders. If出险in the insurance period, the claim is based on a policy of insurance and insurance is paid receipt. (2) insurance procedures for collective units: In addition to bring the necessary documents, needed to open the models listed in the insured vehicle, brand, etc. No. traveling, insurance companies can process according to the specific circumstances of the insured or sent to processing units. At present, most provinces and cities have implemented the approach to the compulsory insurance of motor vehicles, insurance companies, usually in the vehicle inspection staff to send the vehicles to be tested at the same time, as a vehicle for direct insurance business. (3) third party liability insurance coverage procedures: essentially the same as the above can be lost with the vehicle insured at the same time. 3, the calculation of insurance premiums: the premium is the policyholder to the insurance company to pay the cost of insurance. In the calculation of insurance premiums, we should first find out the approved premium rate. China People's Insurance Company of motor vehicle insurance premium rates are clearly defined. Branch of the insurance provisions in the insured vehicle determined on the basis of the specific premium rates, in determining the number of standards should have the following: (1) If a vehicle doubles as a different purpose (for example, both cargo and passenger, or both for their own use and business ), at high rates; (2) If the rental vehicle and professional or other passenger transport vehicles loaded freight charge and rental of vehicles, business vehicles should be calculated in accordance with premium rates. In addition, the individual, the family transport business registration to the administrative department for industry and licensed vehicles, commercial vehicles should also approved premium rate. 4, loss of vehicles to determine insurance liability insurance: the insured risk of loss of vehicle moving or parked vehicles, if any of the following result in loss of vehicle insurance, insurance companies should bear the liability and responsibility for damages: (1) collisions, overturning, fire or explosion; (2) storms, tornadoes, lightning, floods, tsunamis, earthquakes, land subsidence, collapsing cliffs, sand storms, hail, mud-rock flows, the tunnel collapsed, the air movement of falling objects; (3) the entire car stolen more than three months; (4) to carry insurance of the vehicle ferry across the river the event of natural disasters or accidents have resulted in the vehicle the driver take care of the damage caused by vehicles. In addition, insurance of vehicles as a result of the above reasons and to protect, rescue measures for the reasonable costs incurred, the insurance company should pay compensation. 5, insurance stolen vehicles should be reported immediately to the public security departments, insurance companies and the record: the entire vehicle theft for more than 3 months have not yet found supporting sustainable claim to the insurance companies. If only part of the stolen parts, insurance companies will be liable. If, after the theft, car theft were caused from the loss of the vehicle itself, but also claims to insurance companies, but the car insurance to drive the vehicle caused by accidents, the economic loss in accordance with the relevant departments to determine the award. The entire car stolen three months later, the insurance company has paid and then found the vehicle, or return back to the whole car insurance Jinling, or the entire vehicle from the insurance companies dealt with by the two party consultation. 6, the insurance of vehicles in need of repair, when loss of how to deal with: insurance accident vehicles suffered losses, the scope of responsibility should be clear. If it is inside the insurance losses are in need of repair should report promptly to the insurance companies, and with the relevant departments to carry out inspection, repair a clear project scope and estimated cost of repairing the future with the insurance company agreed to carry out repairs. After the repair, with the cost of repairing listed documents (including materials and labor a few), to insurance companies to apply for compensation. 7, except for vehicles liability insurance to determine: that is, except for liability insurance of vehicles is not the loss suffered by the insurance company of liability. Responsibility belongs to, except: (1) due to war, military operations, hostilities or armed conflict, damage to vehicles, including the acquisition of vehicles, detention, seizure, confiscation, closures, etc., directly or indirectly caused by losses and costs; (2) imposed on the insured person or the intentional acts or offenses; (3) competition, test speed, without a formal driver's license, drink-driving, drug driving under anesthesia, resulting in loss of vehicle insurance; (4) the vehicle normal wear and tear, corrosion as well as their own child burst, the normal vehicle repair, maintenance and painting costs as well as non-disaster losses caused by the accident; (5) damaged vehicles without the necessary repair and continue to be used, resulting in loss of part of the expansion; (6) occurred in vehicles disasters and accidents, resulting in the closure, such as suspended indirect losses; (7) other matters outside the scope of insurance losses and expenses. 8, third party liability insurance, except insurance liability and responsibility to determine: the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party personal injury suffered directly or property damage, in the law by the insurance burden of the financial liability. However, the resulting insurance companies are not responsible for remedial work, and shall be borne by the insurer to deal with. Third party liability insurance for the determination of the distinction between the following criteria: (1) insurance for all vehicles (including the driver, conductor, half of workers, passengers and passengers, etc.) do not belong to a third party, but the public vehicles in terms of insurance, in addition to the driver as long as other people outside the car, it becomes a third party; (2) private insurance of vehicles insured and their family members, whether in the car or in the car, the do not belong to the first three; (3) property insurance on the vehicle, the insured person or the driver or the escrow of all property, not belonging to a third party, but planning for larger units insured, the interpretation of the property be decided through mutual consultation by the insured . Therefore vehicle accident insurance, the following personnel casualties or property damage will not be a third party insurance coverage: A. all of the vehicles and property; B. The driver of the vehicle; C. insured people of all or a financial escrow, insurance and the types of vehicles: vehicle insurance, there are two, namely, loss of vehicle insurance and third party liability insurance. Mainly refers to the loss vehicle insurance vehicle itself (including the preparation of the vehicle parts and equipment) in the park or moving insurance. Third party liability insurance mainly refers to the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party (such as the pedestrian street, property, etc., and all drivers and vehicles are not the first three) suffered personal injury or property damage insurance directly. Two types of insurance, there are strict distinction, but not including the driver's own insurance. If drivers want to their own safety, insurance, the insured motor vehicle drivers need personal accident insurance or other personal insurance. In insurance, the driver and two insurance units can be insured and the insured can choose one of them. In order to enable individuals or units to be more complete financial security, two types of insurance can be the best insurance. 2, the procedures for handling insurance: Those who owned or collectively owned enterprises, state organs, institutions, people's organizations, individuals or households all together (or shared with others) vehicles, as long as牌证complete inspection by the vehicle management qualified, may apply to the National People's insurance companies. (1) personal insurance procedures: the vehicle to the insurance company designated location, accompanied带齐own work permits, identity cards, in a letter of recommendation, a driver's license, vehicle insurance card and magnetic magnetic document the vehicle, if it is engaged in individual operating the vehicle, but also bring a business license, and to the local insurance companies insured the Operations Section for procedures. Inspection by the insurance companies that the relevant documents that meet the insurance conditions, fill in single-vehicle insurance. Insurance companies correctly fill out the check after a single coverage, depending on the circumstances necessary for the inspection of vehicles, if the conditions in line with the insurance, we can determine from time security and nuclear premiums. Paul from the time a decision by the policyholder can begin immediately, it can be scheduled for the insured. Insurance companies in insurance alone indicate year, month, day, time until the points, respectively, by the insurance companies, and signed and sealed by the insured, the insurance policy entered into force with effect from the agreed date of 0:00 to start the day, to the agreed expiry date of the day 24 pm. Insurance is valid for 1 year is limited, can be more than 1 year but not less than 1 year. Expired can be renewable, but to re-processing. Insurance single in duplicate, respectively, from the custody of insurance companies and policyholders. If出险in the insurance period, the claim is based on a policy of insurance and insurance is paid receipt. (2) insurance procedures for collective units: In addition to bring the necessary documents, needed to open the models listed in the insured vehicle, brand, etc. No. traveling, insurance companies can process according to the specific circumstances of the insured or sent to processing units. At present, most provinces and cities have implemented the approach to the compulsory insurance of motor vehicles, insurance companies, usually in the vehicle inspection staff to send the vehicles to be tested at the same time, as a vehicle for direct insurance business. (3) third party liability insurance coverage procedures: essentially the same as the above can be lost with the vehicle insured at the same time. 3, the calculation of insurance premiums: the premium is the policyholder to the insurance company to pay the cost of insurance. In the calculation of insurance premiums, we should first find out the approved premium rate. China People's Insurance Company of motor vehicle insurance premium rates are clearly defined. Branch of the insurance provisions in the insured vehicle determined on the basis of the specific premium rates, in determining the number of standards should have the following: (1) If a vehicle doubles as a different purpose (for example, both cargo and passenger, or both for their own use and business ), at high rates; (2) If the rental vehicle and professional or other passenger transport vehicles loaded freight charge and rental of vehicles, business vehicles should be calculated in accordance with premium rates. In addition, the individual, the family transport business registration to the administrative department for industry and licensed vehicles, commercial vehicles should also approved premium rate. 4, loss of vehicles to determine insurance liability insurance: the insured risk of loss of vehicle moving or parked vehicles, if any of the following result in loss of vehicle insurance, insurance companies should bear the liability and responsibility for damages: (1) collisions, overturning, fire or explosion; (2) storms, tornadoes, lightning, floods, tsunamis, earthquakes, land subsidence, collapsing cliffs, sand storms, hail, mud-rock flows, the tunnel collapsed, the air movement of falling objects; (3) the entire car stolen more than three months; (4) to carry insurance of the vehicle ferry across the river the event of natural disasters or accidents have resulted in the vehicle the driver take care of the damage caused by vehicles. In addition, insurance of vehicles as a result of the above reasons and to protect, rescue measures for the reasonable costs incurred, the insurance company should pay compensation. 5, insurance stolen vehicles should be reported immediately to the public security departments, insurance companies and the record: the entire vehicle theft for more than 3 months have not yet found supporting sustainable claim to the insurance companies. If only part of the stolen parts, insurance companies will be liable. If, after the theft, car theft were caused from the loss of the vehicle itself, but also claims to insurance companies, but the car insurance to drive the vehicle caused by accidents, the economic loss in accordance with the relevant departments to determine the award. The entire car stolen three months later, the insurance company has paid and then found the vehicle, or return back to the whole car insurance Jinling, or the entire vehicle from the insurance companies dealt with by the two party consultation. 6, the insurance of vehicles in need of repair, when loss of how to deal with: insurance accident vehicles suffered losses, the scope of responsibility should be clear. If it is inside the insurance losses are in need of repair should report promptly to the insurance companies, and with the relevant departments to carry out inspection, repair a clear project scope and estimated cost of repairing the future with the insurance company agreed to carry out repairs. After the repair, with the cost of repairing listed documents (including materials and labor a few), to insurance companies to apply for compensation. 7, except for vehicles liability insurance to determine: that is, except for liability insurance of vehicles is not the loss suffered by the insurance company of liability. Responsibility belongs to, except: (1) due to war, military operations, hostilities or armed conflict, damage to vehicles, including the acquisition of vehicles, detention, seizure, confiscation, closures, etc., directly or indirectly caused by losses and costs; (2) imposed on the insured person or the intentional acts or offenses; (3) competition, test speed, without a formal driver's license, drink-driving, drug driving under anesthesia, resulting in loss of vehicle insurance; (4) the vehicle normal wear and tear, corrosion as well as their own child burst, the normal vehicle repair, maintenance and painting costs as well as non-disaster losses caused by the accident; (5) damaged vehicles without the necessary repair and continue to be used, resulting in loss of part of the expansion; (6) occurred in vehicles disasters and accidents, resulting in the closure, such as suspended indirect losses; (7) other matters outside the scope of insurance losses and expenses. 8, third party liability insurance, except insurance liability and responsibility to determine: the insured person or his or her driving to allow the use of insurance in vehicle accidents, resulting in a third party personal injury suffered directly or property damage, in the law by the insurance burden of the financial liability. However, the resulting insurance companies are not responsible for remedial work, and shall be borne by the insurer to deal with. Third party liability insurance for the determination of the distinction between the following criteria: (1) insurance for all vehicles (including the driver, conductor, half of workers, passengers and passengers, etc.) do not belong to a third party, but the public vehicles in terms of insurance, in addition to the driver as long as other people outside the car, it becomes a third party; (2) private insurance of vehicles insured and their family members, whether in the car or in the car, the do not belong to the first three; (3) property insurance on the vehicle, the insured person or the driver or the escrow of all property, not belonging to a third party, but planning for larger units insured, the interpretation of the property be decided through mutual consultation by the insured . Therefore vehicle accident insurance, the following personnel casualties or property damage will not be a third party insurance coverage: A. all of the vehicles and property; B. The driver of the vehicle; C. insured escrow person or the property of all; D. private insurance of vehicles insured and their family members, in addition, the insurance vehicle accidents, resulting in a third party power, production, business and other indirect losses, not the insurance company compensable. 9, insurance vehicles to deal with the accident: vehicle insurance after the accident, the driver in addition to emergency treatment in accordance with the relevant provisions of the wounded and property and to report on traffic management department should immediately report to the insurance companies. Insurance companies will be sent to the scene of the accident situation in the survey, or to the traffic management departments to understand the situation to determine issues of liability. The driver should reflect the risk of seeking truth from facts, the insurance companies do a good job with the work. If it is at the same time retain third-party vehicle liability insurance, insurance companies will be on the injured and properly handle the same. If the incident is not the responsibility of insurance companies or insurance units failed to meet its obligations under, the insurance company will not take responsibility, and issued a written notice twelve. 10, the insured obligations: the driver once the insurance contract, the insured person has become, at the same time, fulfill the following obligations: (1) when the signing of a policy of insurance premiums paid (with the special compliance agreement may be introduced in phases about payment); (2) to comply with traffic rules and drive safely, and do a good job in vehicle maintenance, maintenance work, inspection and repair schedule, so that the insurance of the vehicles are maintained in proper working condition; (3) vehicle liability insurance within the scope of losses, should take measures to prevent the loss of the expansion of the ambulance, a timely manner to public security, traffic reports, and notify the insurance company; (4) shall not use the insurance of vehicles and operators to engage in illegal activities; (5) seeking truth from facts, not to conceal the truth, with the insurance companies good work. 11, to apply for compensation: the insured person being within the scope of liability for loss 5 days after 1 year should apply for compensation to the insurance company, or punished for voluntarily giving up the rights and interests of the future, it may not be applying for compensation. Applying for compensation, the insured company to provide insurance to the original file to prove the accident, accident closed mediation book list and the cost of loss of documents, as well as other necessary credentials. The insured person should be reasonable, accurate, and each document are well-founded, especially for third party liability and claims should be in compliance. Upon receipt of insurance applications for compensation, in accordance with traffic management departments to deal with the provisions of the incident is examined and verified, the vehicle for the agreed compensation for loss, third-party liability insurance for the amount of compensation determined in accordance with the law. Once established, the insurance company within 10 days of delivery of compensation. Compensation should be in 1 year to receive, or to abandon punished. Production; D. private insurance of vehicles insured and their family members, in addition, the insurance vehicle accidents, resulting in a third party power, production, business and other indirect losses, the insurance company is not compensable. 9, insurance vehicles to deal with the accident: vehicle insurance after the accident, the driver in addition to emergency treatment in accordance with the relevant provisions of the wounded and property and to report on traffic management department should immediately report to the insurance companies. Insurance companies will be sent to the scene of the accident situation in the survey, or to the traffic management departments to understand the situation to determine issues of liability. The driver should reflect the risk of seeking truth from facts, the insurance companies do a good job with the work. If it is at the same time retain third-party vehicle liability insurance, insurance companies will be on the injured and properly handle the same. If the incident is not the responsibility of insurance companies or insurance units failed to meet its obligations under, the insurance company will not take responsibility, and issued a written notice twelve. 10, the insured obligations: the driver once the insurance contract, the insured person has become, at the same time, fulfill the following obligations: (1) when the signing of a policy of insurance premiums paid (with the special compliance agreement may be introduced in phases about payment); (2) to comply with traffic rules and drive safely, and do a good job in vehicle maintenance, maintenance work, inspection and repair schedule, so that the insurance of the vehicles are maintained in proper working condition; (3) vehicle liability insurance within the scope of losses, should take measures to prevent the loss of the expansion of the ambulance, a timely manner to public security, traffic reports, and notify the insurance company; (4) shall not use the insurance of vehicles and operators to engage in illegal activities; (5) seeking truth from facts, not to conceal the truth, with the insurance companies good work. 11, to apply for compensation: the insured person being within the scope of liability for loss 5 days after 1 year should apply for compensation to the insurance company, or punished for voluntarily giving up the rights and interests of the future, it may not be applying for compensation. Applying for compensation, the insured company to provide insurance to the original file to prove the accident, accident closed mediation book list and the cost of loss of documents, as well as other necessary credentials. The insured person should be reasonable, accurate, and each document are well-founded, especially for third party liability and claims should be in compliance. Upon receipt of insurance applications for compensation, in accordance with traffic management departments to deal with the provisions of the incident is examined and verified, the vehicle for the agreed compensation for loss, third-party liability insurance for the amount of compensation determined in accordance with the law. Once established, the insurance company within 10 days of delivery of compensation. Compensation should be in 1 year to receive, or to abandon punished.