Example: The first beneficiary of insurance is * * Branch of * * Bank Co., Ltd.
The name must be accurate and complete. The sales staff in the 4S store will tell you. If they don't know, you should ask the loan manager. This must be done, otherwise they won't lend you money. I don't know where you got the loan, so I can't help you.
Question 2: The special name of auto insurance. Then why does it mean to write a special contract for the first beneficiary? There is no special agreement. The first beneficiary is the insured. If a special contract is added, whoever is a special contract is a special contract.
The first beneficiary generally refers to the 3-5 year bank loan entrusted by the vehicle brand company.
The general beneficiary fills in the company name or bank of the car brand.
Question 3: Do I have to fill in the beneficiary on the auto insurance policy? No problem. Buy yourself a sickness insurance. The beneficiary is yourself. This is a reasonable arrangement when you need money to see a doctor.
Question 4: What does auto insurance mortgage mean? If the vehicle is mortgaged, there is no difference if the creditor has no special requirements. If the creditor makes a request, it is necessary to add a special agreement of "the first beneficiary" at the time of insurance, so as to stipulate that the claims after the car accident will be paid to the "first beneficiary", that is, the creditor; If it is mortgaged to a bank, in general, the bank will specify the insurance company and the type of vehicle to be insured. For example, it is required to fully cover the four main risks of car damage, three risks, people on board and theft, and each type of insurance should be covered with deductible insurance (excluding deductible insurance: excluding deductible insurance as an additional risk requires "main insurance" and it is not allowed to be covered separately, and its insurance responsibility usually means that the "pass-through" insurance company will be responsible for the deductible part borne by the insured according to the deductible rate stipulated in the corresponding main insurance clause. "
The purchase principle of automobile insurance
First, give priority to buying full third party liability insurance.
The third party is the most important of all types of automobile insurance. After all, you don't have to drive when a car crashes, but people's compensation cannot be exempted. When buying car insurance, you should put the ability to compensate people for their losses in the first place. Otherwise, the only thing you can do after the accident is to sell the house first or divorce to preserve your property. Are you willing? The premise of the above loopholes is that the other party has not applied for property preservation of the asset. Therefore, in order to avoid similar troubles, it is best to insure the third party insurance in full.
Two, three insurance amount should refer to the local compensation standard.
The compensation standards vary across the country. According to the highest compensation standard for 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, the traffic accident in 2008 took full responsibility, one person died and the deceased was 30 years old. The compensation is calculated as follows, and it is estimated that it will cost 600,000 yuan.
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 amount is insufficient, it is recommended to insure at least 200,000 yuan and 500,000 yuan of conditional insurance to avoid saving money on third-party liability insurance. Some insurance companies refuse to insure more than 500 thousand pounds. From this point of view, you should know the key of third party liability insurance.
Third, after buying enough personal insurance in the car, buy car damage insurance.
The driver is himself. It is suggested that if the owner does not have accident insurance and medical insurance, he should buy himself a driver insurance of 654.38+ 10,000 yuan as medical expenses, which is considered to be responsible for his family. Passenger insurance If passengers have more opportunities to ride, you can insure more, 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 before buying other types of insurance.
Traffic accidents are often accompanied by car damage, so there is no need to say more here.
Five, buy three insurance, driver and 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, etc. Compared with the above risk of 1-5, it will not have a serious impact on family happiness and finance. Therefore, it is recommended to buy on demand.
Question 5: The first beneficiary of auto insurance got 20 points wrong.
The first beneficiary of this policy is the insured.
For example, you insure in your own name, but the insured car belongs to your father.
In other words, the owner of the driver's license is your father.
So the applicant and the claimant are you.
Your father is the owner and insured of the driver's license.
(once the vehicle is in danger, you can receive the claim with your ID card. )
But if the vehicle has a loan bank.
Then the first beneficiary of the policy must be the lending bank.
Otherwise, you can't get a loan.
Question 6: What does the legal beneficiary of insurance mean? If no beneficiary is specified, it will be inherited by the legal heir with the first legal order! First order: spouse, children, parents
Question 7: automobile mortgage? Is it necessary to change the first beneficiary of insurance? What does it mean to change the first beneficiary of auto insurance? The ownership of the car is your own, the loan is also in your name, and the insurance beneficiary does not need to change! In addition, the beneficiaries of loans and insurance are irrelevant.
Question 8: There is no special agreement on the first beneficiary of auto insurance, and the first beneficiary is the insured. If there is a special contract, who is the special contract is the special contract.
Question 9: The first beneficiary of auto insurance is the bank. What's wrong with it? None of the above is correct.
The first beneficiary of this policy is the insured.
For example, if you insure in your own name, but the insured car belongs to your father, that is, the driver's license belongs to your father.
So the applicant and the claimant are you.
Your father is the owner and insured of the driver's license.
(once the vehicle is in danger, you can receive the claim with your ID card. )
But if the vehicle has a loan bank.
Then the first beneficiary of the policy must be the lending bank.
Otherwise, you can't get a loan.
Question 10: Why is the first beneficiary of auto insurance a financial company? Because your car is a loan, if the car is completely lost, the compensation should of course be paid to the financial company.
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