Reasonable choice of insurance company
The applicant should choose an insurance company with legal qualifications to buy auto insurance. The after-sales service of auto insurance is as important as the product itself. When choosing an insurance company, the insured should know the content and credibility of the services provided by each company in order to fully protect their own interests.
2. Reasonable choice of agents?
The insured can also purchase automobile insurance through an agent. When choosing an agent, you should choose an agent with professional qualification certificate, exhibition certificate and formal agency contract with insurance company; It is necessary to understand the parts of auto insurance clauses involving compensation liability and rights and obligations, so as to prevent individual agents from unilaterally exaggerating the product guarantee function and avoiding the content of liability exemption clauses.
3. Understand the content of auto insurance
The insured should ask whether the purchased auto insurance clauses have been approved by the CIRC, and carefully understand the contents of the clauses, insurance liabilities, exclusions and special agreements of key clauses, the rights and obligations of the insured, the calculation of deductibles or deductibles, the procedures for applying for compensation, surrender and depreciation, etc. In addition, we should also pay attention to whether the rate of auto insurance is consistent with the rate approved by the CIRC, and understand the preferential rates and deductible clauses of insurance companies. Usually, products with comprehensive insurance liability have higher premiums; Products with less insurance liability have lower premiums.
Buy according to actual needs
When choosing auto insurance, the insured should understand their own risks and characteristics, and choose the risk protection they need according to the actual situation. Only by fully understanding the existing products in the auto insurance market can you buy auto insurance that suits your needs.
5. Other precautions for purchasing auto insurance.
(1) Use and storage of important insurance documents. When purchasing automobile insurance, the applicant shall truthfully fill in all the contents stated in the insurance policy, and after obtaining the insurance policy, check whether its contents are completely consistent with the relevant contents in the insurance policy. All insurance policies, insurance cards, approvals, premium invoices and other related important documents should be properly kept so as to provide timely basis for claims settlement when in danger.
(2) the obligation to tell the truth. The insured shall fulfill the obligation of telling the truth when purchasing automobile insurance, and shall tell the insurance company the truth about the situation directly related to the insurance risk.
(3) After purchasing auto insurance, you should pay the insurance premium in time and fulfill the obligations of the insured in accordance with the regulations.
(4) Settlement of contract disputes. Disputes arising from insurance contracts should be settled by arbitration or litigation according to the agreement with the insurance company when consumers buy auto insurance.
(5) complaints. In the process of purchasing auto insurance, consumers may complain to the insurance supervision and administration department if they find that insurance companies or intermediaries mislead or sell unapproved auto insurance.
(2) An insurance company or agent shall provide a reasonable insurance plan.
In the process of developing auto insurance business, insurance companies or agents should start with increasing the connotation of products and improving the service level of insurance companies, and provide perfect insurance schemes for policyholders or insured in the process of developing business.