Change frequently second-hand car prices insurance spend less "innocent money"

Recently, the second-hand car Anshan continuing hot market, many owners in the auto insurance after the expiration, at the "big" as the car renewal. Yesterday, reporter learned from some insurance companies in Anshan, the current prices of Change frequently, owners of the insured to a mind to stay in order to avoid over-insurance, to spend "the money wrong."

It is understood that the vehicle insurance is auto insurance loss of the "main risk", almost all owners will be insured, the general had just bought the new car will be insured in accordance with the purchase price in full , and second-hand car or renewal of vehicle insurance in this not necessarily the insurance.

Anshan reporter yesterday visited some of the insurance company found that, at present, quite a number of owners in the renewal, they want to buy a car according to their own when the price of insurance, with a view to the problems in the car to be in full compensation may be the event of accident insurance total loss caused by motor vehicle and can not be equivalent with the insured amount in compensation.

Anshan Vehicle Insurance Department of a property insurance company, Mr. Shen, the insurance companies claim to follow the "compensatory principle", that is, the amount of compensation can not exceed the actual value of motor vehicles. The real value of the vehicle when the accident occurred under the insurance policy, less the depreciation amount the price. Family car as an example, the amount of the monthly depreciation about 0.6%, the annual depreciation rate of about 7%. For example, a 3-year age of the vehicle in the family car, if the current models of the new acquisition of the 10 million, then, in the event of total loss caused by the accident insurance, even if sum insured is 100,000 yuan, they can only lose about 80,000 yuan. 。 Therefore, the owners should pay attention to when renewal change and adjust prices of the sum insured.

Reporters also learned that, at present, many of the "young" small displacement of the selling price of used cars and new cars is almost the same, but no matter how high the price to buy second-hand cars, the same can not be based on the model grid to insured. If the owners of second-hand car in the same paragraph as the basic of the sum insured for the insured, then not only pay the corresponding premiums, and in case of accidents caused by motor vehicle insurance total loss, but also unable to obtain and pay the sum insured equivalent.

However, Mr. Wang introduced the industry, not in full the case of insurance, accident insurance and the occurrence did not result in total loss vehicles, the need to replace a new motor vehicle parts will not be able to receive full compensation. the client when the actual insured, the sum insured does not have to r vehicle in accordance with the actual value of the experienced staff the owners can be determined in consultation with the insurance coverage , both as far as possible full insurance, the insured will not over-spend "innocent money."

Q: A few days ago I bought a car, buy insurance to pay strong, 4S shop also recommended I buy a third-party liability insurance. I would like to ask, if how to pay? To a double it?

Answer: to pay the legal system as a strong risk insurance, the victim of a traffic accident one of the basic protection. In order to meet the vehicle owner's insurance needs, we also according to different customer groups, different coverage, start-up loss of vehicle insurance, third party liability insurance, as well as , broken glass separate insurance, fire and explosion risk of natural, non-deductible more than 20 insurance and other insurance.

Now, many car owners are insured to pay insurance at the same time, strong commercial insurance coverage for third party liability insurance. In such cases, after the first trong in the cross within the limits of liability insurance for payment, if less than payment of the remainder of the third party commercial insurance as a supplement. For example, out of a car accident, injured one person, the total medical costs 15 million yuan, the owner and the other party responsible for the negative 50%. Then, when the first payment is strong in the cross-liability insurance limit of 50,000 yuan to pay the remaining 10 million, 50 percent of owners have the responsibility to pay 50,000 yuan, on the third party insurance from the commercial again payment of 50,000 yuan. In other words, in accordance with the provisions of any auto insurance are strong risk from start to pay compensation to less than part of a commercial third party re-added. If the cross-strong limit of insurance payments have been met, commercial insurance paid on no longer. Commercial insurance is a strong risk to pay a supplement, there is no question of a double.

Q: strong insurance to pay before the and three for the insurance, etc., are also strong risk for delivery?

Response: In accordance with the provisions of the China Insurance Regulatory Commission in July 1 this year, prior to the purchase of a commercial motor vehicle third party liability insurance and the policy has not yet expired, the original three commercial insurance policies continue to be valid, but the driver should be for future reference , the original insurance business after the expiration of the three should be strong in time to pay the insured risk. In other words, in July 1, 2007 before the expiration of the three commercial insurance policies can now be strong not to buy insurance to pay, after the expiration of the purchase.