Some knowledge of car insurance - Double insurance

1, what is double insurance?
Can be more than compensated? In car insurance, the double insurance is the same for the same risk of a vehicle, respectively, two or more insurance companies car insurance. Insurance can only be a duplication of compensation. "Insurance Law" set out in Article IV: double insurance, each insurance company the total amount of compensation shall not exceed the insured value. So, do not insure the same car more than the same car insurance. Otherwise, part of the premium is white, and is not getting any compensation.
2, What is over-insured? It can be over-compensation?
Excess amount of insurance coverage is higher than the insured value. Insurance amount is higher than the actual value. For example, a value of 12 million ordinary Santana, according to the 20 million to determine the insurance amount, are over-insured. Over-compensation can not be over-insured. "Insurance Law" thirty-ninth article: insured amount shall not exceed the insured value; exceeds the insured value, the excess is invalid.
3, what is not full insurance? What are the consequences?
Full insurance is not the insurance contract the insurance amount is less than the insured value. For example, a value of 12 million ordinary Santana, according to the 8 million to determine the insurance amount, insurance is not full. Not the consequence of full insurance: insurance accident occurs, the insurance company and insurance according to the insurance value of the ratio of the amount of liability, which is the ratio of Peifu.
4 What is the ratio of Peifu?
Generally occur under what circumstances? Pei Fu refers to the proportion of the insurance company does not assume liability for full actual loss, but the loss is multiplied by the actual value of the insured amount and the proportion of the insurance liability. In vehicle damage insurance, the whole car Daoqiang Xian, spontaneous loss insurance, additional equipment loss risk, if the insured amount is less than the insured value, will result in the proportion of Peifu. Examples are as follows: a value of 12 million ordinary Santana, in accordance with the loss of 6 million vehicles insured risk, if the vehicle collision repair needs of 2 million (assuming full responsibility for their own cars, and has additional special non-deductible insurance), insurance companies only compensate 1 million, is calculated: the insurance claim amount = the amount of repairs × ÷ insured value. The same incident, according to the 12 million full insurance, the insurance company will get the full Peifu 2 million.
5, in the car insurance, what is a third party? In the insurance contract, the insurance company is the first party, also known as the first person; the insured or virulence are the second party, also known as the second person; addition to the insurance company and the insured in addition, because the insurance vehicle accident and suffered personal injury or property damage to the victim by a third party, also known as third party.
6, in the automobile insurance, select the insurance what are the limitations?
A, third party liability insurance must be insured, is the "Highway Law" of compulsory insurance. In the test car, car license and so on must verify insurance third party liability insurance. Other types of insurance are voluntary insurance insurance. B, the entire vehicle Daoqiang Xian, vehicle liability insurance of goods fall, alone and broken windshield glass, insurance, vehicle insurance suspended loss, spontaneous loss insurance, additional equipment loss risk is the additional risk of loss of vehicle insurance must be insured loss of vehicle insurance After several additional insurance to cover it. C, vehicle liability insurance (refer to the persons on board, the drivers passengers) is the additional risk of third party liability insurance, third party liability insurance must be insured before the insured vehicle liability insurance (refer to persons in the vehicle, which is the driver passengers .) D, special risk insurance is not deductible, you must first loss while the insured vehicle and third party liability insurance.
7, the insured and the insured must be consistent? If not have any effect?
In auto insurance, the insured is to pay premiums for insurance and the person; insured by the insurance contract is the owner of the car (ie, the owners set out on the driving license). If the owners for their own car insurance, the insured and the insured is the same; if all the other people who do not return their cars insured, the insured and the insured person is inconsistent. Both cases are insurance companies allowed.
Inconsistent with the insured and the insured person will have two effects:
On the one hand, the insured assumes the obligation to pay the premium, the obligation borne by the insured, that is, who the insured who pay insurance premiums.
On the other hand, partial loss of vehicles, claims to insurance companies by the insured; total loss of vehicles (such as vehicles robbery, motor vehicle, collisions, etc.), must be insured to the insurance company claims, the insured did this of rights. The insured and the insured under the same conditions, there is no distinction between these two aspects.