Sunday, December 12, 2010
Survey of insurance companies Chuxian but uncertain loss maintenance Peifu Motors
According to the plaintiff and defendant entered into insurance contracts, because the insured motor vehicle collision caused the loss and rescue costs necessary and reasonable by the insurance company. Insurance company within 48 hours after receiving the report have not been accepted survey and did not give advice, resulting in loss of property can not be determined to be damage to property insurers to provide the photos, list of losses, accidents and repair invoices as proof of Peifu basis. The present case, the insurance company to survey the scene before litigation case did not set the vehicle on the insured loss, in this case, Ms. Yang has submitted invoices for repairs that can be used as Peifu basis, to repair damage to its insured vehicles , in line with the contract, not inappropriate. On survey costs, survey the scene due to contractual obligations, Department of Insurance, so the costs incurred on the survey, also by the insurance company. Assessment fees, eventual rental of vehicles and repair of damage caused by delay are not the vehicle itself, the loss of the insured, insurance does not belong to the scope of the insurance company will not delay to assess the damage caused by the loss, it is Ms. Yang asked Peifu of the costs, the Court not support it.
Tuesday, November 16, 2010
Changes brought about improved access to brand time car insurance
In recent years, China's auto market has entered a high growth era, after the car market also entered an upward cycle. The auto insurance business is one of the representative of the automotive-related services. However, compared with the rapid pace of development, car insurance business in terms of improvement in the service is not perfect, due to claims and other issues caused by the disputes have heard. Insurance Manager of Dongfeng Nissan car prices as represented by the brand insurance, as we pointed out a car insurance change and improve the future of the road.
Traditional motor insurance, easy to buy a non-infinite
Currently, auto insurance has become a national force in the insurance industry, property insurance, but the service is still relatively simple form and the original is still the traditional distributors, sales agents, claims itself as the main mode, procedures are complex, many intermediate links. That is why, more convenient and efficient car phone was very popular in recent years.
Dealer or call either buy insurance agents, claims difficult to voice the complaints have not stopped. Some insurance companies and the owners claim the amount fell far short of an acceptable range, while others are Peifu time for the owners for ages. Key reason for this situation is: from sales to the traditional auto insurance claims, not a sound and standardized consumer proxy mechanism, generous, if there are problems not effectively safeguard the interests of consumers.
Thus, the market calls for a more mature, more intimate the owners, so owners can easily buy, fast auto insurance claims.
Car Insurance brand enterprises, and gradually a clear future trend
Car Insurance brand enterprises in China in recent years the emerging form of auto insurance services. As the name implies, the car insurance service is the brand enterprises in the automotive brand's level, by the automobile manufacturers and insurance companies to establish a close strategic partnership, and through franchise stores for the brand owners to provide one-stop professional insurance services. Because of the insurance sales and claims and other projects with an explicit normative standards, the owner of the rights and interests of the powerful to maintain levels of car prices.
Car prices in many developed countries, the insurance brand has become the main form of auto insurance products, but in the home or a new thing. Currently provide the insurance services car prices and insurance companies is still relatively small, but heavyweight companies are on the rise.
August 2010, Shanghai Volkswagen has signed with the Ampang motor insurance financial security a strategic cooperation agreement, covering the whole country by Shanghai Volkswagen and the Ampang more than 700 outlets nationwide network of insurance, to provide one-stop insurance services.
Butler Nissan greatest feature of the insurance is covered by insurance plan design, consulting dangerous condition, emergency rescue, survey to help assess the damage, accidents, car maintenance and all claims, including co-process "housekeeping" type of insurance services, flexible operation. Full insurance by the full-time consultants to provide advice and representation services, to achieve set standard, professional and transparent, convenient and oriented in one, making it the brand of car insurance rate benchmark.
Although car prices brand insurance or a new thing, but all the major car firms have been offering insurance services brand car prices, ample proof of its vigorous vitality and great prospects for development.
Never stop, and then upgrade the insurance brand
Dongfeng Nissan "Insurance Manager" With the first mover advantage, with similar services in the best market conditions. First three quarters of 2010 alone, there are more than 50 million customers select the insurance butler service, car insurance rate of 72%, 63% renewal rate, the premium in 2010 will reach a record high of 3.6 billion, for the Nissan enterprise development and rapid growth provide a strong support.
On the whole, car insurance prices provide one-stop brand, specialization and standardization of service is the best choice for car owners insurance, but also the future development trends. We have reason to believe that, more and more other brands will be added to the ranks of the insurance brand car prices, car prices just some of the insurance brand will become more perfect, so rest assured that for the majority of owners to provide the most convenient insurance services.
Traditional motor insurance, easy to buy a non-infinite
Currently, auto insurance has become a national force in the insurance industry, property insurance, but the service is still relatively simple form and the original is still the traditional distributors, sales agents, claims itself as the main mode, procedures are complex, many intermediate links. That is why, more convenient and efficient car phone was very popular in recent years.
Dealer or call either buy insurance agents, claims difficult to voice the complaints have not stopped. Some insurance companies and the owners claim the amount fell far short of an acceptable range, while others are Peifu time for the owners for ages. Key reason for this situation is: from sales to the traditional auto insurance claims, not a sound and standardized consumer proxy mechanism, generous, if there are problems not effectively safeguard the interests of consumers.
Thus, the market calls for a more mature, more intimate the owners, so owners can easily buy, fast auto insurance claims.
Car Insurance brand enterprises, and gradually a clear future trend
Car Insurance brand enterprises in China in recent years the emerging form of auto insurance services. As the name implies, the car insurance service is the brand enterprises in the automotive brand's level, by the automobile manufacturers and insurance companies to establish a close strategic partnership, and through franchise stores for the brand owners to provide one-stop professional insurance services. Because of the insurance sales and claims and other projects with an explicit normative standards, the owner of the rights and interests of the powerful to maintain levels of car prices.
Car prices in many developed countries, the insurance brand has become the main form of auto insurance products, but in the home or a new thing. Currently provide the insurance services car prices and insurance companies is still relatively small, but heavyweight companies are on the rise.
August 2010, Shanghai Volkswagen has signed with the Ampang motor insurance financial security a strategic cooperation agreement, covering the whole country by Shanghai Volkswagen and the Ampang more than 700 outlets nationwide network of insurance, to provide one-stop insurance services.
Butler Nissan greatest feature of the insurance is covered by insurance plan design, consulting dangerous condition, emergency rescue, survey to help assess the damage, accidents, car maintenance and all claims, including co-process "housekeeping" type of insurance services, flexible operation. Full insurance by the full-time consultants to provide advice and representation services, to achieve set standard, professional and transparent, convenient and oriented in one, making it the brand of car insurance rate benchmark.
Although car prices brand insurance or a new thing, but all the major car firms have been offering insurance services brand car prices, ample proof of its vigorous vitality and great prospects for development.
Never stop, and then upgrade the insurance brand
Dongfeng Nissan "Insurance Manager" With the first mover advantage, with similar services in the best market conditions. First three quarters of 2010 alone, there are more than 50 million customers select the insurance butler service, car insurance rate of 72%, 63% renewal rate, the premium in 2010 will reach a record high of 3.6 billion, for the Nissan enterprise development and rapid growth provide a strong support.
On the whole, car insurance prices provide one-stop brand, specialization and standardization of service is the best choice for car owners insurance, but also the future development trends. We have reason to believe that, more and more other brands will be added to the ranks of the insurance brand car prices, car prices just some of the insurance brand will become more perfect, so rest assured that for the majority of owners to provide the most convenient insurance services.
Friday, August 20, 2010
My car insurance costs have not yet arrive
My insurance is 9 / 5 effect, but marked "come into effect since the cost arrive."
I checked today to look at Ping An Insurance, the cost I did not arrive. I 9 / 2, had to pay off the cost. To find insurers and intermediaries (as I was there in their car, they must Through his insurance license plate), all creak whining. Obviously something fishy. but conspiracy! I gave them an ultimatum today, tomorrow, also finding out if my money accounted for, on a direct complaint to the peace insurance company! seems we all have to pay attention to whether their money arrive ah! otherwise no ceremony of losing! and choose the insurer to be careful! now so bad how come the integrity of.
I checked today to look at Ping An Insurance, the cost I did not arrive. I 9 / 2, had to pay off the cost. To find insurers and intermediaries (as I was there in their car, they must Through his insurance license plate), all creak whining. Obviously something fishy. but conspiracy! I gave them an ultimatum today, tomorrow, also finding out if my money accounted for, on a direct complaint to the peace insurance company! seems we all have to pay attention to whether their money arrive ah! otherwise no ceremony of losing! and choose the insurer to be careful! now so bad how come the integrity of.
Knowledge about auto insurance discounts
From different channels to purchase auto insurance, consumers can enjoy the discount rate is not the same. Consumers can purchase channels on the advantages and disadvantages of various contrast, comprehensive discount situation, select the appropriate channels to buy.
In addition, for renewal of vehicle owners to purchase auto insurance, auto insurance when there is a floating rate. That is, less dangerous condition of car owners can enjoy all benefits. Conversely, when renewal is required to pay more insurance costs. Of "commercial motor vehicle insurance rates float plan" provides, for example, commercial auto insurance rates in Beijing float factor include: no claim bonus and compensation records over the previous year, multi-line insurance at the same time, the average annual mileage, special risks (ie the original "old, old, new, special model" factor) 4.
In addition, for renewal of vehicle owners to purchase auto insurance, auto insurance when there is a floating rate. That is, less dangerous condition of car owners can enjoy all benefits. Conversely, when renewal is required to pay more insurance costs. Of "commercial motor vehicle insurance rates float plan" provides, for example, commercial auto insurance rates in Beijing float factor include: no claim bonus and compensation records over the previous year, multi-line insurance at the same time, the average annual mileage, special risks (ie the original "old, old, new, special model" factor) 4.
What projects must buy car insurance
In order to make themselves the economic damages reduced to minimum, the owner is best to spend money to buy a 100 yuan, excluding deductible insurance, so take in an accident no matter how much the owner's responsibility, the insurance company will pay the full premium to the owners. For new vehicles, the ignition risk could not, in the event of spontaneous combustion warranty period, manufacturers will claim. The glass insurance, if little long distances, it can not. All insurance must be based on their personal use, not the better, the many are a waste of resources.
In the choice of vehicle insurance, insurance, apart from the Traffic Insurance aside aside, there are two main insurance proposal must be on one Chesun Xian, second, third party liability insurance. The two are owners of accident insurance after the loss of people and cars can be the basic guarantee of compensation. Car insurance business is highly competitive: End Price'll spell spell services approved by China Insurance Regulatory Commission Guangzhou Automobile Group build smart buy car insurance car insurance company misconduct need to abandon the four
In addition, the proposed two additional risks to the owners of the best. One is Daoqiang Xian, the other excluding deductible insurance. Dao Qiangxian can guarantee if vehicle is stolen or robbed, the owner's loss can be compensated. Now insurance companies all have one in excess of insurance terms, car owners pay the full responsibility in the accident, the insurance deductible of 20%, 15% of the primary responsibility of the deductible, the deductible equal responsibility for 10% of secondary liability deductible of 5%.
In the choice of vehicle insurance, insurance, apart from the Traffic Insurance aside aside, there are two main insurance proposal must be on one Chesun Xian, second, third party liability insurance. The two are owners of accident insurance after the loss of people and cars can be the basic guarantee of compensation. Car insurance business is highly competitive: End Price'll spell spell services approved by China Insurance Regulatory Commission Guangzhou Automobile Group build smart buy car insurance car insurance company misconduct need to abandon the four
In addition, the proposed two additional risks to the owners of the best. One is Daoqiang Xian, the other excluding deductible insurance. Dao Qiangxian can guarantee if vehicle is stolen or robbed, the owner's loss can be compensated. Now insurance companies all have one in excess of insurance terms, car owners pay the full responsibility in the accident, the insurance deductible of 20%, 15% of the primary responsibility of the deductible, the deductible equal responsibility for 10% of secondary liability deductible of 5%.
Friday, August 6, 2010
Loss insurance car scratch
The first scope of coverage
Motor vehicle insured loss insurance may cover the insured vehicle.
The second insurance
Coverage of this insurance, motor vehicles, malicious acts of others caused by man-made scratches on the body of vehicles insured, the insurer for compensation according to the actual loss calculation.
Article liability exemption
Insurance of vehicles following the loss, the insurer is not liable for:
(A) the insured or the driver's intentional act caused the loss of insured vehicles;
(B) another person for the driver and the insured person or their family members occurred in civil and economic disputes caused by the loss of insured vehicles;
(C) of the body surface of natural aging, damage;
(D) Other areas of responsibility does not belong to the insurance losses and expenses.
Article compensation deal
This insurance compensation were each responsible for the accident to implement in excess of 20%, according to the Lord in excess of applicable insurance contract.
Motor vehicle insured loss insurance may cover the insured vehicle.
The second insurance
Coverage of this insurance, motor vehicles, malicious acts of others caused by man-made scratches on the body of vehicles insured, the insurer for compensation according to the actual loss calculation.
Article liability exemption
Insurance of vehicles following the loss, the insurer is not liable for:
(A) the insured or the driver's intentional act caused the loss of insured vehicles;
(B) another person for the driver and the insured person or their family members occurred in civil and economic disputes caused by the loss of insured vehicles;
(C) of the body surface of natural aging, damage;
(D) Other areas of responsibility does not belong to the insurance losses and expenses.
Article compensation deal
This insurance compensation were each responsible for the accident to implement in excess of 20%, according to the Lord in excess of applicable insurance contract.
Accident Compensation Insurance spirit
The first insurance
Insured motor vehicle under this insurance during use, due to traffic accidents, resulting in a third party or the vehicles of disabled persons, pregnant women accidental death or abortion, the injured party damages accordingly put forward the spirit of the request, in accordance with court decision shall be liable for any mental damages, the insurer under the contract within the compensation limit for compensation.
Exemption in Article II
In the following cases, the insured to bear the spirit of the damages, the insurer shall not be liable for:
(A) of the driver in a car accident liability without fault;
(B) Insurance of vehicles not involved in a collision caused only by fear, resulting in a third party or the board staff misconduct caused by disability, accidental death or abortion of pregnant women;
(C) shall be determined by the court mediation book to bear the spirit of the insured damages;
(D) other are not within the scope of insurance losses and expenses.
Article compensation limit
The insurance, the maximum compensation limit for each accident by the insured and the insured when the insured consultation.
Article compensation deal
(A) of the People's Court on traffic duty, should be held in the spirit of the damages verdict and the insurance contract, the insurer set forth in the insurance policy within the limits of the insurance compensation calculated compensation;
(B) the implementation of this policy each time compensation are in excess of 20% responsible for the accident, according to the Lord in excess of applicable insurance contract.
Insured motor vehicle under this insurance during use, due to traffic accidents, resulting in a third party or the vehicles of disabled persons, pregnant women accidental death or abortion, the injured party damages accordingly put forward the spirit of the request, in accordance with court decision shall be liable for any mental damages, the insurer under the contract within the compensation limit for compensation.
Exemption in Article II
In the following cases, the insured to bear the spirit of the damages, the insurer shall not be liable for:
(A) of the driver in a car accident liability without fault;
(B) Insurance of vehicles not involved in a collision caused only by fear, resulting in a third party or the board staff misconduct caused by disability, accidental death or abortion of pregnant women;
(C) shall be determined by the court mediation book to bear the spirit of the insured damages;
(D) other are not within the scope of insurance losses and expenses.
Article compensation limit
The insurance, the maximum compensation limit for each accident by the insured and the insured when the insured consultation.
Article compensation deal
(A) of the People's Court on traffic duty, should be held in the spirit of the damages verdict and the insurance contract, the insurer set forth in the insurance policy within the limits of the insurance compensation calculated compensation;
(B) the implementation of this policy each time compensation are in excess of 20% responsible for the accident, according to the Lord in excess of applicable insurance contract.
Scooter insurance policy cost
The first insurance
Insured vehicle during use, a result of the loss vehicle insurance insurance liability insurance listed in the first accident, causing body damage to be repaired into the plant, the two sides agreed during the repair of vehicles insured, the insured person to hire a scooter costs incurred , the insurer liable for compensation in accordance with the agreed terms.
Exemption in Article II
The following losses and expenses, the insurer is not liable for:
(A) of the vehicles seized by law enforcement agencies, seized during the rental costs;
(B) because the insurance requirements caused by substandard quality of vehicle repair repair costs during the scooter;
(C) This insurance does not take place under other additional insurance need rental insurance, the cost of accidents.
Article compensation limit
Limits of liability insurance to the insured and the insurer agreed compensation when the number of days multiplied by the amount of compensation subject to the agreed date, but this insurance, the maximum number of days agreed upon compensation for 30 days.
Article compensation deal
(1) day per incident deductibles for the amount of compensation;
(B) cases of partial loss, the insured parties have agreed that the repair time of the day agreed upon by the insurance policy by multiplying the amount of compensation from the repair until the repair procedures for handling Orthogonal car handling procedures provided the date of the actual number of days calculating compensation;
(C) place the entire vehicle damage, according to the agreed compensation insurance policy number of days of compensation;
(D) in the insurance period, the cumulative number of days of compensation calculations, the maximum compensation to insurance contract limited the number of days.
Insured vehicle during use, a result of the loss vehicle insurance insurance liability insurance listed in the first accident, causing body damage to be repaired into the plant, the two sides agreed during the repair of vehicles insured, the insured person to hire a scooter costs incurred , the insurer liable for compensation in accordance with the agreed terms.
Exemption in Article II
The following losses and expenses, the insurer is not liable for:
(A) of the vehicles seized by law enforcement agencies, seized during the rental costs;
(B) because the insurance requirements caused by substandard quality of vehicle repair repair costs during the scooter;
(C) This insurance does not take place under other additional insurance need rental insurance, the cost of accidents.
Article compensation limit
Limits of liability insurance to the insured and the insurer agreed compensation when the number of days multiplied by the amount of compensation subject to the agreed date, but this insurance, the maximum number of days agreed upon compensation for 30 days.
Article compensation deal
(1) day per incident deductibles for the amount of compensation;
(B) cases of partial loss, the insured parties have agreed that the repair time of the day agreed upon by the insurance policy by multiplying the amount of compensation from the repair until the repair procedures for handling Orthogonal car handling procedures provided the date of the actual number of days calculating compensation;
(C) place the entire vehicle damage, according to the agreed compensation insurance policy number of days of compensation;
(D) in the insurance period, the cumulative number of days of compensation calculations, the maximum compensation to insurance contract limited the number of days.
Additional equipment, loss of insurance terms car
The first insurance
Coverage of this insurance, the use of motor vehicles in the process, the occurrence of the first set loss of vehicle insurance accident insurance, additional equipment on board caused by direct damage, the insurer in the insurance policy stated in the project within the amount of insurance, according to compensation for actual loss calculation.
The second insurance amount
Amount of insurance coverage when additional equipment in accordance with the new equipment purchase price determined.
Article compensation deal
This insurance compensation were each responsible for the accident to implement in excess of 20%, in excess of the main risks to prevail.
Other matters Article
This insurance is referred to the additional equipment, refer to the original factory vehicles, except the insurance of the equipment other than the insured to install additional equipment and facilities. Apply for this insurance shall indicate the additional equipment on board the new schedule and price.
Coverage of this insurance, the use of motor vehicles in the process, the occurrence of the first set loss of vehicle insurance accident insurance, additional equipment on board caused by direct damage, the insurer in the insurance policy stated in the project within the amount of insurance, according to compensation for actual loss calculation.
The second insurance amount
Amount of insurance coverage when additional equipment in accordance with the new equipment purchase price determined.
Article compensation deal
This insurance compensation were each responsible for the accident to implement in excess of 20%, in excess of the main risks to prevail.
Other matters Article
This insurance is referred to the additional equipment, refer to the original factory vehicles, except the insurance of the equipment other than the insured to install additional equipment and facilities. Apply for this insurance shall indicate the additional equipment on board the new schedule and price.
Terms of spontaneous loss of car insurance
The first insurance
Insured motor vehicle under this insurance during use, due to the vehicle electronics, lines, fuel supply system failure and cause a fire in its cargo, resulting in the loss of insured vehicles, and the insured in the event of the insured event, in order to reduce the losses incurred by the insurance of vehicles necessary to rescue a reasonable cost, the insurer liable for compensation.
Exemption in Article II
Following the loss, the insurer is not liable for:
(A) the insured vehicle in the course of using the insurance, because it directly by oil, high temperature baking and other violations of rules for the safe operation of vehicle damage;
(B) only caused by spontaneous combustion appliances, lines, fuel supply system losses;
(C) the loss of cargo;
(D) the insured's intentional act or offense caused by the loss of insured vehicles.
Article insurance amount
The amount of insurance coverage and the insurer by the insured vehicle in the real value of consultation.
Article compensation deal
(A) the amount specified by the policy of insurance within the insurance of vehicles by calculating the actual loss of compensation;
(B) the implementation of this policy each time compensation are in excess of 20% responsible for the accident, according to the Lord in excess of applicable insurance contract.
Insured motor vehicle under this insurance during use, due to the vehicle electronics, lines, fuel supply system failure and cause a fire in its cargo, resulting in the loss of insured vehicles, and the insured in the event of the insured event, in order to reduce the losses incurred by the insurance of vehicles necessary to rescue a reasonable cost, the insurer liable for compensation.
Exemption in Article II
Following the loss, the insurer is not liable for:
(A) the insured vehicle in the course of using the insurance, because it directly by oil, high temperature baking and other violations of rules for the safe operation of vehicle damage;
(B) only caused by spontaneous combustion appliances, lines, fuel supply system losses;
(C) the loss of cargo;
(D) the insured's intentional act or offense caused by the loss of insured vehicles.
Article insurance amount
The amount of insurance coverage and the insurer by the insured vehicle in the real value of consultation.
Article compensation deal
(A) the amount specified by the policy of insurance within the insurance of vehicles by calculating the actual loss of compensation;
(B) the implementation of this policy each time compensation are in excess of 20% responsible for the accident, according to the Lord in excess of applicable insurance contract.
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