What are the common car misunderstandings? These four items must be watched

Car insurance is very important for car owners, but we must guard against being “fudged” when we purchase car insurance. Sometimes we must guard against the errors in the text, so as to avoid the loss of time. Let Xiao Bian introduce the misunderstanding of several common car insurance.

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1, full insurance coverage

When we purchased the auto insurance, we all heard that the salesman mentioned the word “all risks”, leading some owners to misunderstand that “all risks” was “all-insurance”. In fact, this was wrong. The so-called "all-risk" does not exist in the law and insurance companies, but people will pay the main insurance, third party liability insurance, excluding insurance, insurance, insurance, car insurance and other major insurance coverage Together, they do not represent all types of insurance. Strictly speaking, they are not standardized terms. Some common types of insurance, such as wading insurance, scratch insurance, glass breakage insurance, and self-ignition insurance, are not included in the all-insurance insurance. Therefore, if a car owner thinks that buying a full-blend insurance is all right and everything is lost, then it's a big mistake. For example, if you are scratched, spontaneously ignited, damaged glass, etc., you can't seek compensation from an insurance company only if you have full insurance, unless you additionally insure these additional risks.

2, much more than a lot of compensation

Some car owners are always worried about the lack of protection when they purchase car insurance, thinking that "they will pay much more and lose more." In fact, the amount of compensation paid for the relevant insurance projects that the car invests in will not exceed the actual value of the car itself. Take a car worth 100,000 yuan for example. Although it insured 150,000 yuan in car damage insurance and stolen emergency insurance, if a car theft occurred, the insurance company will only depreciate the actual The maximum compensation will not exceed 100,000 yuan. Therefore, the purchase of auto insurance can be based on the actual car insurance, no need to insure too high.

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3, car insurance

Many owners think that buying a car insurance system is perfectly safe. An accident can compensate for the insurance coverage. In fact, this is wrong. Generally, the insurance company's damage measurement scale is closely related to the traffic police's responsibilities. If the loss of an accident is around 200,000 yuan, the ratio of the liability determined by the traffic police is 50%. That is to say, the insurance company will only compensate 100,000 third-party liability insurance in addition to paying compensation for compulsory insurance. Therefore, driving in strict accordance with traffic regulations can avoid more accident responsibilities.

4. The designated agent will do everything

If you select an agent to handle it, you must follow the agent and go to the insurance company to find out which insurance you are buying and how much the report is. In order to avoid the occurrence of claims in the future, when no agents are found, they are not clear about the situation.

Auto insurance is a deep-rooted industry, but it is unavoidable for car owners. Only by correctly understanding the meaning of auto insurance can we avoid falling into the wrong zone.


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