Buy used car reminder: To prevent too many accident records

Last year, Ms. Zhang bought a used car. The initial registration date for the car was early 2003. Due to lack of insurance experience, she entrusted second-hand car insurance business to the insurance company's business personnel.

One year later, the insurance period had passed and the insurance company refused Ms. Zhang’s renewal request. The reason is that last year Ms. Zhang’s risk record has reached 5 times. According to relevant regulations, insurance costs should be raised. However, Ms. Zhang is puzzled that on the insurance should be all things good, how can there be times to say? In addition, last year, she only had to risk 3 times?

[DOT] In accordance with the insurance company's regulations, the risk once considered as no risk; risk 2 to 3 times, still in accordance with the premium rate of the previous year to pay insurance costs; 5 or more times out of danger, the corresponding premium rate will be increased The specific rate of increase depends on the choice of insurance company. Even if it is 7 years old, it is only impossible to get on board the car. In addition, the new car has a 10% discount in the first year; for the second year of renewal, the number of outbound trips will not be more than 4 times, but also enjoy a 10% discount; and 5 or more times, vehicle damage and robbery etc. The rate will increase by 10%; if the number of kilometers exceeds 30,000 kilometers a year, the vehicle damage insurance will be increased by 5%; for seven years, the amount of compensation exceeding a certain amount will also rise by a certain margin; Wait.

For consumers, the current auto insurance industry has many pitfalls. Some insurance company's business staff and some car 4S shop maintenance personnel, their own damage to their own car repair, and repair shop together to extract benefits.

Therefore, to remind the majority of owners, do not plan to buy cheaper auto insurance. Some insurance company business personnel use loopholes in the insurance terms to give personal car insurance for private car insurance on the bus insurance, thereby reducing insurance costs for consumers. They do not know that because of the different insurance requirements for the bus insurance and private car insurance, they will consume when they are out of danger. Only in the end can the interests be infringed. What is more, some insurance personnel do not give consumers explicit instructions when making such a list, and earn a difference in insurance costs. There are also some insurance personnel and repair shops tied together to earn profits. The general business staff is both a loss-contractor and a partner of the repair shop. Consumers often use this type of insurance to look for good services. In fact, after the expiration of the insurance period, they will find the benefits impaired. In addition, there are sales staff to force the owner to tying other commercial insurance. In fact, in the auto insurance, only the third party insurance belongs to the compulsory insurance. Whether other insurance is required can be determined based on the actual situation. However, in the actual business, some insurance business personnel bundle up various insurances to obtain benefits. Finally, the issue of deductions is also more prominent. After some insurance agents pull in the business, they will decide whether the policy is handed over to the insurance company based on the situation of the consumer and the car. If there is no risk or the amount of the claim is small, the insurance will be given to consumers, otherwise it will evade the risk. Can't even find people.

The reason why there are five out of danger is that the used car must have been out of danger twice before Ms. Zhang’s purchase, and Ms. Zhang does not know. Therefore, it is necessary to remind the owner of the purchased second-hand car to make sure that the car is out of danger before the purchase. Prevent car dealers from selling accident vehicles that have been out of many accidents to owners.