1, motor vehicle insurance process, as shown in the following figure:

Motor vehicle insurance process

Vehicle insurance process

2, motor vehicle insurance claims process

Motor vehicle insurance claim process

3. Application materials

The driving license of the insured vehicle, a copy of the organization code of the insured (if the insured is a legal person or other organization), a copy of the identity certificate of the insured (if the insured is a natural person), the original identity certificate of the insured agent, the vehicle certificate, the new car purchase invoice, the certificate or contract issued by the owner that can prove the relationship between the insured and the insured vehicle (if the insured is inconsistent with the owner), a copy of the motor vehicle driver's license of the agreed driver (for the agreed driver), and car purchase. ), insurance application, last year's auto insurance cleaning list (applicable to those who apply for deductible concessions), unit certificate and personal power of attorney (applicable to individual vehicle units).

Motor vehicle insurance, that is, "auto insurance", is a means of transport insurance marked by the motor vehicle itself and the third party's liability. Its insurance customers are mainly legal persons and individuals who own various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles. ? Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles and special vehicles. On March 20 12, the CIRC issued the notice on strengthening the management of commercial insurance clauses and rates for motor vehicles and the model clauses for commercial insurance for motor vehicles, which promoted the reform of auto insurance.

Main classification

automobile insurance

Motor vehicle insurance is a kind of insurance with automobiles, trams, battery cars, motorcycles, tractors and other motor vehicles as the subject matter of insurance. Motor vehicle insurance can be divided into compulsory insurance and commercial insurance, and commercial insurance can be divided into basic insurance (also known as main insurance) and additional insurance. ? Motor vehicle insurance came into being at the end of 19. The earliest motor vehicle insurance policy issued in the world is the automobile third party liability insurance policy issued by the British "Legal Accident Insurance Company" in 15, and the insurance premium ranges from 10 to 100. And car fire insurance can be insured at a higher premium.

automobile insurance

Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic risks are divided into vehicle loss insurance and third party liability insurance, vehicle theft and emergency rescue (theft and emergency rescue) and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional risks include glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water-related insurance, no-fault liability insurance, vehicle cargo drop liability insurance, vehicle stop loss insurance, new equipment loss insurance, special insurance without deductible, etc. Glass breakage insurance, spontaneous combustion loss insurance and new equipment loss insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured. Vehicle liability insurance, no-fault liability insurance, vehicle cargo drop liability insurance, etc. It is an additional risk of third party liability insurance, and these additional risks can only be insured after the third party liability insurance is insured; Each risk can be insured independently without deductible.

Compulsory Traffic Accident Liability Insurance for Motor Vehicles

Compulsory traffic accident liability insurance is the first compulsory insurance system implemented by national laws in China.

The Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance [hereinafter referred to as the Regulations] stipulates that compulsory traffic insurance is compulsory liability insurance in which insurance companies compensate victims [excluding people on board and the insured] for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of their liability.

Compulsory insurance can be surrendered under the following six circumstances: the insured motor vehicle is deregistered according to law; The insured motor vehicle stops driving; The insured motor vehicle is confirmed to be lost by the public security organ; The applicant repeatedly applies for compulsory insurance; The insured motor vehicle is resold, transferred or sent to a place other than the vehicle registration; The new car was taken back by the seller due to quality problems or the traffic control department refused to come to the door because the relevant technical parameters did not meet the national regulations.

commercial insurance

1, vehicle loss insurance:

In motor vehicle insurance, vehicle loss insurance and third party liability insurance constitute the main types of insurance. With some additional risks, * * * provides various risk protection services for insurance customers.

The subject matter of vehicle loss insurance is the body of various motor vehicles and their parts and equipment. When the insured vehicle suffers from natural disasters or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, the insurer shall make compensation in accordance with the provisions of the insurance contract.

The insurance liability of vehicle loss insurance includes collision liability, overturning liability and non-collision liability, in which collision refers to the accidental contact between the insured vehicle and external objects, such as the collision between vehicles and vehicles, vehicles and buildings, vehicles and telephone poles or trees, vehicles and pedestrians, vehicles and animals. , all within the scope of collision responsibility; Rollover liability means that the insured vehicle rolls over due to natural disasters or accidents, and the car body touches the ground, which makes it lose its normal state and driving ability and cannot resume driving without rescue. Non-collision liability can be divided into the following categories:

A. Various natural disasters listed in the insurance policy, such as floods, storms, lightning strikes, mudslides, earthquakes, etc.

B. Various accidents listed in the insurance policy, such as fire, explosion, falling objects in the air, etc.

C, other accidents, such as capsizing, ice sinking, ferry accident with insured vehicle, etc.

The liability exemption of motor vehicle loss insurance includes risk exemption (loss cause exemption) and loss exemption (loss not compensated by insurer). Risk exemption mainly includes:

( 1)? War, military conflict, terrorist activities, riots, seizure, confiscation and government expropriation;

(2) During the maintenance of the business maintenance site;

(three) using insurance vehicles to engage in illegal activities;

(4) using an insurance vehicle after drinking, smoking or injecting drugs and being drugged;

(5) The insured vehicle hits and runs;

Automobile insurance (2 sheets)

(six) the driver does not have a driver's license or the driving vehicle does not match the driver's license;

(7) Drivers who use the insured vehicle without the direct permission of the insured;

(8) The vehicle has no valid driving license.

Loss exemption mainly includes natural loss, corrosion, failure, depreciation caused by market price changes, etc.

It should be pointed out that the coverage of motor vehicle insurance is stipulated in the insurance contract, and it is not fixed. For example, Chinese mainland used to list theft as a basic responsibility, and later it was listed as an additional risk, that is, the insured can't avoid this danger without additional risk.

Detailed algorithm of insurance amount

(a) according to the purchase price of the insured motor vehicle at the time of insurance.

The purchase price of a new car at the time of insurance is determined according to the market sales price (including vehicle purchase tax) of the same type of new car signed in the insurance contract at the time of insurance, and it is stated in the insurance policy. If the same type of new car has no market sales price, it shall be determined by the insured and the insurer through consultation.

(2)? Calculated according to the actual value of the insured motor vehicle at the time of insurance.

The actual value of the insured motor vehicle at the time of insurance is determined according to the purchase price of the new car at the time of insurance minus the depreciation amount. The depreciation of the insured motor vehicle shall be calculated on a monthly basis, and the part less than one month shall not be depreciated. For example, the monthly depreciation rate of passenger cars with less than 9 seats is 0.6%, and the monthly depreciation rate of passenger cars with more than 10 seats is 0.9%. The maximum depreciation shall not exceed 80% of the purchase price of the new motor vehicle at the time of insurance.

Depreciation amount = purchase price of new car at the time of insurance × months of use of insured motor vehicle × monthly depreciation rate.

(3)? At the time of insurance, the purchase price of the new car of the insured motor vehicle shall be determined by both parties through consultation.

In addition, car damage insurance is a kind of insurance with floating rate. When the owner renews the insurance, the insurance company will make dynamic adjustments according to the insurance and claims. For example, an insurance company has 12 auto insurance? Rate adjustment level, the highest level is 12, and its insurance premium will be adjusted to 200%; The lowest level is level 1, and its insurance rate will be adjusted to 50%.

2. Third party liability insurance

Motor vehicle third party liability insurance is a kind of insurance that covers the risk of third party damage claims caused by accidents when the insured or its licensed qualified drivers use the insured vehicle. Because the main purpose of third party liability insurance is to safeguard public safety and interests, it is usually used and enforced as statutory insurance in practice.

The insurance liability of motor vehicle third party liability insurance refers to the amount of compensation that the insured should pay according to law when an accident occurs in the process of using the insured vehicle by the insured or its licensed qualified driver, causing direct damage to the person or property of a third party. In this insurance liability verification, we should pay attention to two points:

1, direct loss actually refers to the property loss and personal injury at the scene, and all kinds of indirect losses are not within the insurer's responsibility.

2. The insurer shall, in accordance with the provisions of the insurance contract, compensate the insured for the amount of compensation that should be paid according to law.

These two concepts are different, that is, the amount of compensation of the insured is not necessarily equal to that of the insurer, because the insurer's compensation must be deducted from the excluded liability or excluded loss. For example, the property owned or entrusted by the insured, the insured of private vehicles and their family members, as well as the property owned or entrusted by them, the driver of this vehicle and all personnel and property on this vehicle are not covered by the third party liability insurance; The insurer shall not be liable for losses caused by the intentional acts of the insured, drunk driving or driving without a valid driver's license.

Step 3 add insurance

Motor vehicle additional insurance is an important part of motor vehicle insurance. Judging from the current motor vehicle insurance clauses in China, there are mainly additional theft insurance, additional spontaneous combustion loss insurance, additional wading loss insurance, additional new equipment loss insurance, additional special insurance without deductible, additional driver accident insurance and additional special insurance. Insurance customers can choose to add insurance according to their own needs.

4. Theft and rescue

Theft rescue is responsible for compensating all losses caused by theft, robbery and robbery of the insured vehicle, as well as losses caused by vehicle damage or loss of vehicle parts during the period, but it cannot be intentional damage.

Anti-theft and emergency rescue guarantee of different insurance companies

Min 'an Auto Insurance, Huatai Auto Insurance, Dida Auto Insurance, PICC Auto Insurance, Ping 'an Auto Insurance and Pacific Auto Insurance clearly stipulate "reasonable expenses for repairing damaged or lost parts of the insured motor vehicle after being stolen, robbed and robbed" and "reasonable expenses for repairing damaged insured motor vehicle during being robbed and robbed", while the balance stipulates "recovering the insured motor vehicle after being stolen and robbed". Balance is strict in this respect, which is the most unfavorable to the insured.

Fourth, the people on board.

Everyone knows this, just to protect the people in the car from accidental injury and death, and death can't be said. 20 thousand won't do much, mainly accidental injury, that is, medical expenses after industrial injury insurance. In the past, you could protect as many people as you wanted, but now it is impossible to protect only the driver or everyone. The price is very cheap, and the driver can insure 20,000 yuan, so he can't go to 80 yuan.

Five, scratch insurance

Scratch insurance is vehicle scratch insurance, which is a kind of additional insurance. It is mainly used as a supplement to car damage insurance and can provide effective protection for car body scratches caused by unexpected reasons. Scratch insurance is aimed at scratches on the paint surface of the car body. If the collision marks are obvious, there are cuts and pits, this is not a scratch, but the scope of claims for car damage insurance.

Six, separate glass breakage insurance

Glass breakage insurance is a kind of commercial insurance in which the insurance company is responsible for compensating the glass breakage loss of the vehicle itself during the use of the insured auto insurance. The owner must pay attention to the word "single", which means that the insurance company can only compensate if the windshield and window glass (excluding headlights and rearview mirror glass) of the insured vehicle are damaged. If the owner wants to know how much the glass is broken by one person, he can calculate the price through the following auto insurance calculator, and also take this opportunity to compare which insurance company's auto insurance price is more affordable, so as to help the owner choose the insurance company that suits him best.

Seven, spontaneous combustion insurance

Spontaneous combustion insurance, that is, "spontaneous combustion loss insurance", is an additional risk of car damage insurance. Autoignition insurance can only be insured after car damage insurance. During the insurance period, the insurance company will compensate the insured vehicle for the losses caused by problems in its circuit, circuit, oil circuit, oil supply system and goods itself, as well as the fire caused by friction during the operation of the motor vehicle, and the reasonable rescue expenses that the insured must pay to reduce the losses of the insured vehicle when an insurance accident occurs.

Eight, designated professional factory

It is what we usually call a 4S shop, and the fixed loss price is high.

Case: A Pu Sang headlight bought 280 in 4S and sold 80 in the accessories market. If it is insured in a 4S shop, it will definitely give 280. What if I don't guarantee it? It will be set at 180, which is a compromise, but simply guarantee that you can repair the car. Better keep the good car.

Nine, excluding deductibles

Insurance companies are not fools. You will take all responsibility for anything you lose. If you don't compensate, the insurance company will only bear 80% of the losses you bear, that is to say, the loss is 1000 yuan, only 800 yuan will be compensated, and 20% of the responsibilities will be borne by yourself. It is better to insure. Well, the insurance coverage is over, and then I'll tell you how to protect it most appropriately.

Second hand insurance

The era of changing cars has quietly come to us, and many people have joined the tide of replacing new cars. So, how to buy insurance for used cars? Especially after being appraised by an appraiser. How to insure the traded vehicles and give them a good guarantee?

Nowadays, traffic accidents are frequent, and many traffic accidents occur. In order to ensure the safety of people's travel, it is necessary to buy corresponding protection for vehicles, and from this point of protection, it is necessary to buy insurance. Before handling vehicle insurance, you must go through the formalities of auto insurance transfer. This is a problem that many car owners are very concerned about when buying used motor vehicles, but it is also a detail that is easy to forget. Many car owners forget to take care of the main car insurance policy of the original car. Even if there is a car insurance policy, many car owners think this is ok. Actually, this is very incorrect. For example, an old motor vehicle was originally insured by commercial total insurance, so it is best for novices to be fully insured. Sometimes the owner will be relieved and leave him alone. This is a big mistake. The insurance of this car is not for the new owner, but for the old owner. Vehicle insurance has not been transferred. If there is a traffic accident, it will not be able to make normal payments. It can be said that getting the insurance policy is not only reassuring, but also requires transfer, otherwise you won't get the insurance money. If you want to collect insurance money, it can only be collected by the original owner. In this regard, Sunshine Insurance auto insurance experts remind the majority of old car owners that this detail cannot be ignored. When you get the insurance policy, new car owners and classic car owners will go through the corresponding policy transfer procedures in the business hall of the insurance company, thus becoming the insurance under their own names, so that they can get the corresponding claims once they get out of danger.

Purchasing principle

First, give priority to buying full third party liability insurance.

The third party is the most important type of automobile insurance. After all, you don't have to drive if the car is destroyed, but the compensation of others can't be exempted. When buying auto insurance, we should put the ability to compensate others for losses in the first place. Otherwise, the only thing you can do after the accident is to sell the house or divorce to save your property. Do you want it? The premise of the above loopholes is that the other party has not applied for property preservation of your assets. Therefore, in order to avoid similar troubles, it is better to insure the third party insurance in full.

Two or three insurance amount should refer to the local compensation standard.

The compensation standards are different across the country. According to the maximum compensation standard of auto insurance, if 1 person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may be 800,000 yuan. For example, in the traffic accident in 2008, one person died, and the deceased was 30 years old. The compensation is calculated as follows, and it is estimated that 600,000 yuan will be needed.

The above three items may add up to more than 600 thousand. If you are a car owner in Beijing, I suggest you look at your old insurance policy. If the insurance coverage is insufficient, it is recommended to conditionally insure at least 200,000 and 500,000 to avoid saving money on third-party liability insurance. Some insurance companies refuse to insure more than 500 thousand pounds. From this perspective, you should know the key of third party liability insurance.

Third, after buying enough personal insurance in the car, buy car damage insurance.

You are the driver. It is suggested that if there is no other accident insurance and medical insurance, give yourself a driver's insurance of 6.5438 million yuan as medical expenses and be responsible for the family. Passenger insurance If passengers have more opportunities to ride, you can take out more insurance, 5-65438+ 10,000 seats, which is responsible for your family and passengers. If there are few passengers, it is more economical to ensure that each seat is 1000.

Fourth, buy car damage insurance first, and then buy other types of insurance.

Traffic accidents are often accompanied by car damage, so there is no need to say more here.

Five, the purchase of three insurance, driver passenger seat liability insurance, car damage insurance deductible insurance.

Spend a little more money and ask the insurance company not to deduct this and that when paying.

Six, other insurance (theft insurance, glass insurance, spontaneous combustion insurance, scratch insurance) combined with their own needs to buy.

For example, other types of insurance, such as burglary insurance, glass insurance, spontaneous combustion insurance, scratch insurance and so on. Compared with the above-mentioned risk of 1-5, it will not have a serious impact on family happiness and finance. Therefore, it is recommended to buy on demand. [4]?

5 insurance topic editor

The compensation method of motor vehicle insurance is generally repair, but if the replacement price of the vehicle is cheaper than the repair cost, the insurance company is likely to claim total loss of the vehicle. Generally speaking, the insured amount of motor vehicle insurance is the purchase price of the new car or the value of the vehicle at the time of insurance. However, when the vehicle depreciates in use, the insurance company will set an absolute deductible, so in the case of total loss, the indemnity will definitely be lower than the insured amount. The insurance period of this kind of insurance is generally within one year. If there is no claim within the insurance period, you can enjoy the preferential rate of no compensation when you renew your insurance.

(1) The risk rate of the subject matter insured is high. Motor vehicles are means of transportation, and the normal state is to keep moving, which is easy to cause personal and property losses due to collision. Moreover, due to the imperfection of early administrative licensing procedures, many drivers do not have basic operating skills. Traffic facilities and management have been gradually improved, and the accident rate of motor vehicles is high.

(2) There are many businesses and high insurance rates. Due to the high accident rate of motor vehicles, motor vehicle owners and traffic management departments transfer risks through insurance, so motor vehicle insurance business increases and insurance rates are high.

(3) The types of insurance are complex and professional, which is easy for consumers to misunderstand.

Motor vehicle insurance is divided into basic insurance and additional insurance, of which additional insurance cannot be insured independently. Basic insurance includes third party liability insurance (three liability insurance) and vehicle loss insurance (vehicle damage insurance); Additional risks include vehicle theft, vehicle liability insurance, no-fault liability insurance, vehicle cargo falling liability insurance, glass breakage insurance, vehicle stop loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, special insurance without deductible, etc. However, many types of insurance can not be understood literally, and some insurance company staff are misleading when introducing insurance, which leads to consumers' inability to better understand the terms of various types of insurance, resulting in misunderstandings and disputes.

④ Uncertainty

As motor vehicles travel on land with great mobility and irregular travel, it undoubtedly increases the uncertainty and unpredictability of dangerous accidents and insurance losses for insurers.

(5) expanding insurance benefits

For example, as long as the insured allows qualified drivers to use the insured motor vehicle, and an insured accident as stipulated in the insurance contract occurs, resulting in property losses or personal injuries to a third party, the insurer shall be liable for compensation. When the insurer undertakes this responsibility, the condition only requires that the driver is a qualified driver and the insured agrees to drive the insured motor vehicle, but does not require him to own, possess or manage the motor vehicle. This is actually the expansion of insurable interests in insurance contracts and the amplification of insurance liability.

(6) Preferential treatment without compensation

Non-indemnity preferential treatment is a unique system of motor vehicle insurance, and its core is to solve the problem that insurance premium is directly related to actual loss under the condition of uneven risk distribution.

In order to encourage the insured and their drivers to strictly abide by the traffic rules and drive safely, the motor vehicle insurance business in various countries adopts the "no compensation preferential treatment" system.

(7) safeguarding public interests

Motor vehicle third party liability insurance, as a liability insurance business inseparable from motor vehicles, is a statutory insurance business in most countries. The reason why countries treat this business specially is to safeguard the public interest, that is, to ensure that the victims of road traffic accidents can get effective economic compensation. Therefore, automobile insurance is the best way to protect drivers' personal rights and interests.