"Insurance Week" on the car since the introduction of the claims of the rescue, received many letters from readers advice, would like to acquire more knowledge on the rescue vehicle and settlement standards. This week have readers call the "insurance Weekly", asked car total loss for how to determine the claims, "Insurance magazine" will provide a detailed answer, readers can hope to learn more knowledge of the automobile claims.
Letters from readers: In mid-August, my car experienced spontaneous combustion, burned only a shell, is essentially a scrap. When I went to the insurance companies for claims, they only pay 80,000 yuan to me, I signed the insurance contracts and insurance companies, car purchase price of 120,000 yuan for the basic calculation of the amount of premiums, in accordance with the terms of the contract , Insurance companies should pay me 120,000 yuan, the insurance companies that now I have to arbitrarily reduce the amount of 40,000 yuan claims ah »
Mr Chu
Experts answer PK real value
Vehicle Insurance experts replies that if the insured motor vehicle owners when as the basic sum insured, when the total loss of vehicle insurance, in accordance with the provisions of insurance, insurance of vehicles to the actual value of compensation.
Mr Chu insurance companies that contract should be signed by the basic sum insured claims to be, this view is wrong. Because the vehicle used in the process of depreciation will have inevitable. If the insurance companies in accordance with the original basic coverage for claims, claims resulting amount is higher than the actual amount of loss, with the insurance law, "compensatory principle" - contrary to claims that may become a profitable, will trigger a lot of moral hazard.
Therefore, insurance companies paid to Mr. Zhu 80,000 yuan, according to Mr Chu car at the time of the actual value of the proceeds. As for the actual value of how to determine, in the policy have a clear vehicle depreciation rate of conversion to obtain car Chuxian, the real value.
He also suggested that, if less than the amount of insurance, vehicle insurance total loss, the same vehicle insurance will be the real value of compensation, but to limit the amount of insurance. When the vehicle part of the insurance losses, according to insurance rates with a ratio of assume liability ratio.
Everyone said how motor vehicle depreciation operator
Mr Tse (tourism, Jialing 4): insurance contracts clearly written, if the insurance car accident suffered total loss, insurance companies will be in accordance with the actual value of car claims. I would like to see Mr. Zhu may not have the terms of the contract, but only remember the basic insurance coverage is the vehicle purchase price, and therefore will be "unreasonable demands" to his insurance company paid 120,000 yuan.
Therefore, I feel that the insured in their own claims, the first to see the terms of the contract, should not be alone with personal subjective views on the "blackmail" to the insurance company claims.
The insurance company also will be from the official text of the insurance provisions to create brochures, booklets will facilitate the majority of owners on the car, Xianlaiwushi read out over time so that owners can be more comprehensive understanding of vehicle insurance provisions, thus avoiding Their claims with insurance companies to unnecessary disputes.
Mr. Wang (the industry, Jialing three years): I think the car's depreciation rate to point view, a contract of insurance companies, I have indicated in the contract on the car a bit disgusted with the depreciation rate, at least, they should discuss this and I together Both sides agree on a satisfactory rate of depreciation.
Insurance companies that unilaterally set the depreciation rate, whether the company on its own, formulate, or calculated by reference to what data, I think these are somewhat "arbitrary." Even if the insurance company is the clear authority of the depreciation rate, they should be when we signed the insurance contracts tell me how to come to the depreciation rate, the depreciation rate to the calculation of "transparency."
Insurance companies should also be some of the details of the full-service Zuoxi do not in the old contract, "Mantianguohai, hoodwinked clearance", and in the claims only when we "Huangrandawu," such claims ago that when the interpretation of the claims, We feel like being fooled, on the contrary, insurance companies have a bad impression.
Miss Zhou (the advertising industry, Jialing 2): Although I am not a car accident caused by the insurance total loss, but I always feel that insurance companies should not be a unilateral decision vehicle depreciation rates, at least the contract was signed between the two sides, insurance companies And the co-owners have the right of the car, the depreciation rate for evaluation. For example, I do care very vehicles a year use down, like cars or bought at the same brand-new, the depreciation rate, there are insurance contracts written so high.
And I think insurance companies should be based on the use of car maintenance, car once a year to assess the depreciation rate, to personalized service, and some owners not love cars, the depreciation rate on the high points, some car owners are love, the depreciation rate On the low, if the depreciation rate on the "speak with one voice" and not allow those who do not care for the people Zhanlebianyi car, and let me in this car suffered "Bubaizhiyuan"? »
In calculating the amount of claims, insurance companies and vehicle owners should also carry out the necessary consultations, the two sides together to reach a satisfactory settlement to their respective places, the final settlement. Otherwise, some owners will find the claims of insurance companies presented their claims with the proceeds of a big gap between the psychological level, leading to unnecessary disputes the claim amount.
Miss Li (PR industry, the Jialing 4): I mentioned a hypothetical ah, if the vehicle spontaneous combustion, also retain some inside such as notebook computers and other valuables, spontaneous combustion and found the wreckage of notebook computers, notebook identified as Car together into ashes. When I insured loss responsibility for the car insurance, the availability of claims » If the claims can be, is based on purchase price or the actual value of claims it » If the vehicle carrying the puppy as kittens, and other small pets, but also, unfortunately, was burned to death, according to the insurance company can also carry out car insurance claims responsibility for the loss? »
Mr Wong (the industry, Jialing six months): I admit that the cars in use will keep the depreciation and devaluation, if the insurance companies every year by the purchase price of a car insurance premiums, we are not to pay a premium? » And insurance companies in damage to the car when we all are in accordance with the actual purchase price less depreciation charges after the remaining claims to the value of the vehicle. Among these there will be irrational elements »
I think the insurance companies asked us to continued payment of premiums, according to our car on the actual value of the insured amount calculated as the basic premium. We have the Caliangyanjing avoid a Buliu Shen, according as the standard premium, this does not mean that a sum of money sent to the insurance companies? »
Notes of an interview with the terms of concern exhaustive
In this case, the insurance companies in accordance with the provisions of insurance, a car given to the actual value of claims is understandable. But in the interview process, I found that many owners simply do not know how to calculate the loss vehicle depreciation, of course, they do not know how insurance companies are in accordance with the depreciation rate to the actual value of a car "discount."
In auto insurance contracts, has been clearly marked vehicle depreciation rates, some owners may have "blind" and wishful thinking to ask the insurance companies according to the basic requirements of the sum insured claims.
In fact, they are not deliberately want to "old cars for new cars total loss," but balanced, unilateral attention to the terms of which a motor, while ignoring all the provisions of the motor, is "to a tree, give up the entire forest . "
Vehicle insurance contract itself is systemic. Is not merely the responsibility of the motor insurance claims from the calculation, but the motor insurance also interrelated. For example, stones hit the vehicle, if only a broken car glass, in accordance with broken glass separate insurance for claims, if the body and windshield of common damaged, according to Che Sunxian have to carry out adjustments.
Again, the total loss of the car after the settlement costs, if the amount of insurance , the total loss of vehicle insurance, vehicle insurance by the real value of compensation, insurance losses of the vehicles, according to some losses full compensation.
Therefore, the insured must not only concerned about the provisions of the local auto insurance terms, it should be a comprehensive understanding of vehicle insurance provisions, there will not slip through to their claims, create an obstacle. This is more effectively protect their own rights and interests of the contract, is to protect their own interests were not by the violations.
Of course, insurance companies have the responsibility of the owner when the insured vehicle to remind them to the attention of the depreciation rate, after all, the real value of motor vehicles is calculated claims of one of the important parameters, and whether appropriate and in accordance with the owners own needs, in a more authoritative depreciation Rates range in consultation with the owners of the depreciation rate of a happy, full-service Zuoxi do, the owners feel that the insurance companies to avoid unilateral "arbitrary" the depreciation rate, it is a bit overbearing.
Tips second-hand motor vehicle insurance "coverage" perfunctory
For the second-hand car insurance, you'd have to pay attention to, not according to the model of the grid insured, but in reality based on your car insurance premium prices.
All encountered the vehicle insured losses, if the amount is higher than the actual value of the insurance, automobile insurance companies at the time of the actual value of the compensation, if the insured will simply pay their own premiums.
In other words, if the owner of a used car with the as the basic sum insured for the insured, not only to pay the corresponding insurance premiums, and insurance in case of accidents caused by vehicle total loss, lack of access to and the amount equivalent The payment.
This inadvertently spend more money wronged the case, please majority of'd like to buy second-hand car owners to stay on a Xinyan.
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