According to bank regulations, a special agreement must be added when the loan is used to buy a car or insurance, that is, the first beneficiary is the loan bank. Once an insurance claim occurs in the future, if the repayment is made on time without delay, the ID card, driver's license, traffic accident responsibility confirmation and maintenance invoice or list will be provided to the bank after the accident, and the bank will go out to confirm the claim payment to the owner, and then the owner will pay the relevant maintenance expenses.
Insurance claim settlement refers to the behavior of the insurance company to perform the compensation or payment responsibility according to the contract when the property or personal life of the insured is damaged due to an insurance accident, or when other insurance accidents agreed in the policy require payment of insurance money, which directly embodies the insurance function and fulfills the insurance responsibility.
To put it simply, insurance claim settlement is the behavior of the insurer to deal with the claim made by the insured after the risk accident of the subject matter insured occurs. In insurance management, insurance claim settlement is the concrete embodiment of insurance compensation function.
Articles 22 and 23 of the Insurance Law stipulate that, after an insurance accident occurs, when claiming compensation or paying insurance money from the insurer in accordance with the insurance contract, the applicant, the insured or the beneficiary shall provide the insurer with the certificates and materials they can provide to confirm the nature, cause and loss degree of the insurance accident.
In accordance with the provisions of the insurance contract, the insurer shall notify the applicant, the insured or the beneficiary to supplement the relevant certificates and materials if it considers that the relevant certificates and materials are incomplete.
Baidu encyclopedia-insurance settlement of claims
How much is the mortgage insurance premium for buying a car?
In addition to the down payment, you need to pay other fees, such as car purchase tax and insurance.
Calculation method of automobile purchase tax:
1, [car price-(car price ×17.1%) ]×10.1%.
The above is a general calculation formula, and the specific tax increase amount is subject to the IRS database.
Calculation method of automobile insurance:
Insurance (including commercial insurance)
1, car damage insurance: car price ×0.9% basic premium (342 yuan);
2. Third-party liability insurance: the insurance claim is 200,000 yuan and the fixed premium is 952 yuan;
3. Car seat insurance: the insured amount is RMB 654.38+0 million per seat, and the number of seats is RMB 654.38+0.29× 0.29×
4, the whole car theft rescue: car price × 0.42%;
5. Risk of glass breakage: car price × 0.12%;
6. Car damage insurance does not include deductible: car damage insurance premium ×15%;
7. No deductible for the third party: the third party liability insurance premium ×15%;
8. Compulsory traffic insurance: 950 yuan.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
How to calculate the second year insurance for the mortgaged new car?
The first year compulsory insurance premium for ordinary private cars is 950 yuan. If there are no accidents in the first year, the compulsory insurance will decrease 10% in the second year. Commercial auto insurance is divided into main insurance and additional insurance. The main insurance mainly includes third party liability insurance, car damage insurance, burglary insurance and vehicle personnel liability insurance. Additional risks include scratch insurance, water insurance, spontaneous combustion insurance and deductible.
It would be nice to buy a car with a loan and insurance the next year. In addition to compulsory insurance, you can also buy some basic insurance, such as third party liability insurance, burglary insurance, scratch insurance, car damage insurance and vehicle personnel insurance, excluding deductible insurance.
After the first year of insurance for a new car expires, the actual insurance situation can be compared with the insurance amount setting. At this time, the result of insurance in the first year is not only a pity, but also a basis for new car insurance in the second year. At this time, choosing insurance is more targeted and instructive than the first year.
Extended data:
Precautions:
1, when buying insurance, you should pay attention that not all items need to be insured, just buy the most important items. You also need to see the insurance commencement date clearly, and you need to renew the insurance in time after the policy expires. Be sure to find out the date when the auto insurance expires every year, so as not to bury hidden dangers for claims.
2. If the owner's driving skills are very good, and he usually pays attention to the maintenance and safety protection of the vehicle, he can retain the owner who has no accidents during the insurance period, and the value of the vehicle is not high and the economy is not rich, he can choose to renew the insurance. For example: compulsory insurance, car damage insurance, excluding deductible insurance and so on.
3. Renewing auto insurance with the value of the car is actually equivalent to the owner's recognition that the insurance coverage of all auto parts is based on their depreciated prices. When the car is damaged, the insurance company can only compensate according to the proportion between the actual value and the price of the new car, and the insufficient part shall be borne by the owner. In order to maximize their claims, it is recommended that you purchase auto insurance with the purchase price of a new car as the insured amount when renewing the insurance.