Auto insurance policies are managed by insurance companies of municipal branches. If it is cross-provincial insurance, the handling process will be quite complicated. On the one hand, it will increase the burden of car owners running back and forth, on the other hand, it will also increase the workload of counter personnel. From this perspective, auto insurance can't be bought across provinces, only the insurance company to which the vehicle's permanent residence or license plate belongs is supported.
Buying auto insurance in different places is still very risky. The first is the risk of insurance. If you buy the insurance policy of compulsory insurance through relevant channels in the local area, it will violate the provisions of the policy and lead to the invalidation of the policy, because according to the regulations, the policy can only be sold in the designated area. Then there is the claim risk. When buying auto insurance claims in different places, you also need to go to different places to handle them. Although many insurance companies claim to have national joint guarantee, in fact, even between different branches within the same insurance company, competition is greater than cooperation. Many branches would rather entrust an evaluation company to survey the accident vehicles than start business contact with their brother companies. This makes it easy for car owners to get into trouble when reporting claims. If there is a claim dispute, it will increase the cost and difficulty of claim settlement.
For auto insurance purchased in different places, the process of insurance claims may be different from that of local auto insurance claims. The following matters should be paid attention to in the process of auto insurance claim settlement in different places:
1. Reporting: Each insurance company has different regulations on reporting auto insurance in different places. When buying auto insurance in different places, you must first confirm with the insurance company. If there is an accident, report it in a dangerous place or an auto insurance purchase area to avoid losses caused by different cases.
2. Fixed loss: Off-site auto insurance also has different provisions on claims and fixed loss. Generally, you can choose the place closest to the danger, or you can choose the place to return the policy. If you choose to return to the place where the policy is located, you should obtain the consent of the insurance company in advance when reporting the case, so as not to be regarded as missing the reporting period by the insurance company;