Many car owners have a variety of questions before buying insurance, and this article is a collection of advice from major insurance experts to remind car owners what they should pay attention to before buying car insurance. When buying car insurance, in addition to carefully reading the terms and conditions of car insurance and related regulations, you should also do the "four notes" mentioned below. Secondly, insure the car insurance in full. According to the "Insurance Law", the sum of repeated insurance coverage over the insurance value, the total amount of compensation for each insurer shall not exceed the insurance value. Finally, car insurance renewal should be reasonable with the type of insurance. When renewing your car insurance policy, you should also pay attention to the premium discount clause. There are many tricks in the middle of buying car insurance, so don't buy insurance blindly.
Many car owners will buy insurance for their cars at the first time they buy a new car, and there are more and more insurance companies in the market in recent years. However, in the face of the many insurance companies and a wide range of auto insurance products, many car owners are confused as to how to meet the protection, but also be reasonable and cost-effective. In response to car owners' doubts, this article offers suggestions. First of all, try not to let others help you insure yourself.
"Now some car owners for convenience, let the agency insurance, so it is easy to be some irresponsible intermediaries with insurance, adjust the amount of insurance." Insurance experts say so. Therefore, when you entrust others to insure, you should understand the specific contents of the insurance policy, such as: how much the premium rate, how much the insurance coverage, and the liability and exclusions of each insurance policy, to avoid trouble when making a claim. Second, insure the car insurance to the full amount. Insurance experts say, for car insurance, the actual value of the vehicle is how much to insure. "Some car owners do not insure the full amount to save on premiums. This can indeed save some premiums for the policyholder, but if an accident causes damage to the vehicle, the owner will not be paid in full." This is not worth the loss. Third, repeat insurance and excess insurance are not cost-effective.
According to the Insurance Law, if the total amount of duplicate insurance exceeds the value of insurance, the total amount of compensation of each insurer shall not exceed the value of insurance. The insurance company will determine the amount of compensation in strict accordance with the actual loss of the insured vehicle when the damage is determined. Finally, car insurance renewal should be reasonable with the type of insurance. In addition to essential traffic insurance, car insurance is a voluntary purchase, for some unnecessary insurance, car owners can not spend "wasted money". This article suggests that you must also pay attention to the premium discount clause when you renew your car insurance. Under normal circumstances, the vehicle is not insured for one year, the second-year renewal can enjoy about a 10% premium discount.
