怎樣買最合適的保險

首先(xian)是(shi)看清楚(chu)保(bao)險(xian)公司能保(bao)什么，像車(che)輛(liang)的碰撞(zhuang)行(xing)為(wei)，這些(xie)都(dou)是(shi)必保(bao)的。但有(you)些(xie)保(bao)險(xian)公司將(jiang)由于(yu)火災(zai)、爆(bao)炸而引起(qi)的車(che)輛(liang)損失列為(wei)保(bao)險(xian)主產品之外，有(you)些(xie)公司則是(shi)將(jiang)自然災(zai)害(hai)造成的車(che)輛(liang)損壞(huai)剔除(chu)出保(bao)險(xian)責任，這些(xie)在保(bao)險(xian)條(tiao)款里面都(dou)有(you)明(ming)示。

其次是要搞清(qing)楚保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)不保(bao)(bao)什么(me)。對保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)列明(ming)(ming)的(de)(de)責任免(mian)除部分(fen)，更要看明(ming)(ming)白。以往(wang)的(de)(de)經驗表明(ming)(ming)，消費者在理賠(pei)時與保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)發生糾紛，往(wang)往(wang)就在這一(yi)部分(fen)。如玻(bo)璃單獨破碎(sui)和車身(shen)劃(hua)痕，這兩項(xiang)在大部分(fen)保(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)的(de)(de)保(bao)(bao)險(xian)(xian)責任中都是免(mian)除責任，需要購(gou)買專門的(de)(de)附(fu)加險(xian)(xian)。緊接著(zhu)，買車險(xian)(xian)時還要算清(qing)幾(ji)筆賬。首先(xian)是第三(san)者責任險(xian)(xian)的(de)(de)責任限額確定。這樣(yang)一(yi)旦出(chu)現傷人事件，可以有充足(zu)的(de)(de)保(bao)(bao)險(xian)(xian)保(bao)(bao)障。

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再次是(shi)(shi)車(che)損(sun)險(xian)(xian)(xian)(xian)的(de)保額確定。在(zai)購(gou)買(mai)車(che)損(sun)險(xian)(xian)(xian)(xian)時，一(yi)般是(shi)(shi)以(yi)(yi)新車(che)購(gou)置價來確定保額。一(yi)旦發生事故，保險(xian)(xian)(xian)(xian)公司的(de)賠付應可滿足(zu)修車(che)的(de)需求。考慮購(gou)買(mai)不計(ji)免(mian)賠特(te)約險(xian)(xian)(xian)(xian)。以(yi)(yi)盜(dao)搶(qiang)(qiang)險(xian)(xian)(xian)(xian)為例，目前各公司對(dui)于盜(dao)搶(qiang)(qiang)險(xian)(xian)(xian)(xian)有20%的(de)免(mian)賠--率(lv)(lv)，也就是(shi)(shi)說一(yi)旦發生盜(dao)搶(qiang)(qiang)，保險(xian)(xian)(xian)(xian)公司只(zhi)承擔80%的(de)損(sun)失，車(che)主(zhu)尚(shang)需自己(ji)承擔20%的(de)責任(ren)。“但購(gou)買(mai)了(le)不計(ji)免(mian)賠特(te)約險(xian)(xian)(xian)(xian)后(hou)，免(mian)賠--率(lv)(lv)為零，整個盜(dao)搶(qiang)(qiang)損(sun)失就可以(yi)(yi)全部由保險(xian)(xian)(xian)(xian)公司‘埋單’了(le)”。

貨比三家

保(bao)障(zhang)范(fan)圍確(que)定了(le)以后，在(zai)相同(tong)的(de)保(bao)障(zhang)范(fan)圍下，保(bao)險(xian)(xian)(xian)專(zhuan)家(jia)建議車(che)主(zhu)比較各保(bao)險(xian)(xian)(xian)公司給出(chu)的(de)價格(ge)(ge)。但保(bao)險(xian)(xian)(xian)專(zhuan)家(jia)同(tong)時建議車(che)主(zhu)在(zai)購買車(che)險(xian)(xian)(xian)時不(bu)宜單純考慮價格(ge)(ge)，保(bao)險(xian)(xian)(xian)公司的(de)服務(wu)水平、賠付速度、網點設置都應(ying)當是(shi)購買車(che)險(xian)(xian)(xian)的(de)重要考慮因(yin)素。如有的(de)公司在(zai)車(che)主(zhu)買保(bao)險(xian)(xian)(xian)時考察(cha)得較為嚴(yan)格(ge)(ge)，但在(zai)理賠時卻(que)能(neng)夠充(chong)分(fen)考慮客戶的(de)利益，也(ye)有的(de)公司承保(bao)條件很寬(kuan)松，但收取保(bao)費后，到車(che)主(zhu)出(chu)險(xian)(xian)(xian)需要理賠時卻(que)卡得很嚴(yan)。

防六大陷阱

針對車險保(bao)戶(hu)的投訴，保(bao)險專(zhuan)家羅列了(le)以下六(liu)大陷阱(jing)，以作警(jing)示。

陷(xian)阱(jing)一：強行搭售險(xian)(xian)種(zhong)。在(zai)目前(qian)的車險(xian)(xian)種(zhong)類中(zhong)，只有屬于交管部門強制性要(yao)求的“第三者責任(ren)險(xian)(xian)”是車主必須買(mai)的，車損險(xian)(xian)和(he)(he)防(fang)盜險(xian)(xian)等險(xian)(xian)種(zhong)都是可供選擇的險(xian)(xian)種(zhong)，但在(zai)很多(duo)汽車交易市場(chang)把(ba)責任(ren)險(xian)(xian)、防(fang)盜險(xian)(xian)和(he)(he)車損險(xian)(xian)捆綁(bang)起來作為(wei)基本(ben)險(xian)(xian)銷售。

陷阱二：誤導(dao)車(che)(che)(che)主(zhu)(zhu)投(tou)保(bao)。乘客險(xian)、玻(bo)璃破碎(sui)險(xian)、車(che)(che)(che)輛(liang)損失險(xian)事關車(che)(che)(che)主(zhu)(zhu)切身利益(yi)，車(che)(che)(che)主(zhu)(zhu)愿意購買(mai)，但(dan)新車(che)(che)(che)的自(zi)燃險(xian)、私家(jia)車(che)(che)(che)的貨物險(xian)、營運停(ting)駛損失險(xian)則可以不買(mai)。但(dan)有的車(che)(che)(che)險(xian)代理人要(yao)么不給車(che)(che)(che)主(zhu)(zhu)解釋清楚，要(yao)么誤導(dao)車(che)(che)(che)主(zhu)(zhu)入保(bao)，使(shi)一些沒有經驗的車(che)(che)(che)主(zhu)(zhu)買(mai)了不該買(mai)或可以不買(mai)的保(bao)險(xian)。

陷阱(jing)三(san)：誘導(dao)超(chao)(chao)額(e)投(tou)(tou)(tou)保(bao)(bao)(bao)或重(zhong)(zhong)(zhong)復投(tou)(tou)(tou)保(bao)(bao)(bao)。一些汽(qi)車(che)(che)經銷商會(hui)誘導(dao)車(che)(che)主超(chao)(chao)額(e)投(tou)(tou)(tou)保(bao)(bao)(bao)或重(zhong)(zhong)(zhong)復投(tou)(tou)(tou)保(bao)(bao)(bao)以多(duo)賺(zhuan)代理費。其實，保(bao)(bao)(bao)險(xian)(xian)公(gong)司賠多(duo)少完全根據汽(qi)車(che)(che)出險(xian)(xian)的(de)實際情況(kuang)而定(ding)，并不(bu)會(hui)因為保(bao)(bao)(bao)得多(duo)就賠得多(duo)。此外，按照(zhao)《保(bao)(bao)(bao)險(xian)(xian)法》第(di)四(si)十條規定(ding)：重(zhong)(zhong)(zhong)復保(bao)(bao)(bao)險(xian)(xian)的(de)保(bao)(bao)(bao)險(xian)(xian)金額(e)總(zong)和超(chao)(chao)過(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)價(jia)值(zhi)的(de)，各保(bao)(bao)(bao)險(xian)(xian)人的(de)賠償金額(e)的(de)總(zong)和不(bu)得超(chao)(chao)過(guo)(guo)保(bao)(bao)(bao)險(xian)(xian)價(jia)值(zhi)。因此，投(tou)(tou)(tou)保(bao)(bao)(bao)人多(duo)投(tou)(tou)(tou)幾份保(bao)(bao)(bao)也不(bu)會(hui)得到超(chao)(chao)價(jia)值(zhi)賠款。

陷阱(jing)四：代(dai)(dai)理(li)人(ren)(ren)員“扣單”。投(tou)保(bao)(bao)(bao)時要選擇國家批(pi)準(zhun)的保(bao)(bao)(bao)險(xian)(xian)公司(si)(si)所屬(shu)機構(gou)投(tou)保(bao)(bao)(bao)，而(er)不能隨便(bian)找一家保(bao)(bao)(bao)險(xian)(xian)代(dai)(dai)理(li)機構(gou)投(tou)保(bao)(bao)(bao)。一些保(bao)(bao)(bao)險(xian)(xian)代(dai)(dai)理(li)人(ren)(ren)或“假代(dai)(dai)理(li)”在拉到(dao)保(bao)(bao)(bao)單后，并不直接交給保(bao)(bao)(bao)險(xian)(xian)公司(si)(si)，而(er)是“伺機而(er)動”。如(ru)果車主不出險(xian)(xian)，保(bao)(bao)(bao)費(fei)就自己扣下(xia)了。如(ru)果車主出了險(xian)(xian)，輕(qing)險(xian)(xian)自己掏錢賠付了事(shi)；大險(xian)(xian)則想方設法騙(pian)公司(si)(si)，甚至一走(zou)了之。

陷(xian)阱(jing)五：保單(dan)以(yi)假(jia)亂(luan)真。一些(xie)“假(jia)代理”使用(yong)的保單(dan)和(he)發票(piao)乍(zha)看(kan)起(qi)來，與(yu)正規保險公司無異。因此，在(zai)拿到保險單(dan)證時要認真核對(dui)，看(kan)看(kan)單(dan)證第三聯是否采用(yong)了(le)白色無碳復寫紙印制(zhi)(zhi)，并(bing)加印淺褐色防偽底紋，其左(zuo)上角是否印有(you)“中國保險監(jian)督管理委員會監(jian)制(zhi)(zhi)”字(zi)樣(yang)，右上角是否印有(you)“限(xian)在(zai)xx省(市、自治(zhi)區)銷售”字(zi)樣(yang)。如果沒有(you)，應拒絕(jue)簽字(zi)。

陷阱六：自(zi)己定(ding)損(sun)修(xiu)車。有些(xie)表面上是保險(xian)公(gong)司的車險(xian)定(ding)損(sun)員，暗地里卻是汽車修(xiu)理(li)廠的老板，自(zi)己定(ding)損(sun)自(zi)己修(xiu)，這是目前(qian)市場中一些(xie)定(ding)損(sun)員的生財之道(dao)。據(ju)了解(jie)，保險(xian)主管(guan)部門(men)明確規定(ding)，不(bu)允許強制性指定(ding)事(shi)故(gu)車輛(liang)維(wei)修(xiu)點。

提示：車(che)損險是按實際投(tou)保(bao)(bao)金額與(yu)車(che)自身價值比例(li)賠償(chang)的(de)，所以(yi)要足(zu)額保(bao)(bao)險。而假設在本年(nian)中車(che)輛只有(you)一些花錢不多的(de)小毛(mao)病，像刮傷(shang)、劃痕等，不妨自己掏腰(yao)包修理，以(yi)保(bao)(bao)持無理賠記(ji)錄(lu)，而在續保(bao)(bao)時獲得優惠(hui)保(bao)(bao)費。

看(kan)清車險：新(xin)晉車主要繞開兩(liang)個(ge)誤區

大家(jia)都知道(dao)，買車(che)之(zhi)后接下來就是(shi)上牌(pai)和辦(ban)理各種(zhong)保(bao)險(xian)(xian)，車(che)牌(pai)號碼(ma)常常是(shi)精挑細(xi)(xi)選(xuan)(xuan)，而(er)車(che)險(xian)(xian)則往往被忽(hu)略甚至(zhi)隨便(bian)買買就算了(le)。車(che)險(xian)(xian)需要根(gen)據自(zi)身的實際情(qing)況進行排列組合，買得(de)合理在駕(jia)車(che)過程中(zhong)會省卻很多麻煩(fan)，買得(de)不夠(gou)合理則可能給將來留下不少(shao)隱(yin)患。可是(shi)面(mian)對(dui)種(zhong)類繁多的險(xian)(xian)種(zhong)、保(bao)費不同的保(bao)險(xian)(xian)公司以(yi)及(ji)一(yi)(yi)些(xie)新出臺(tai)的規(gui)定，究竟(jing)應該(gai)怎樣選(xuan)(xuan)擇最適(shi)合自(zi)己的車(che)險(xian)(xian)產品呢。讓我們一(yi)(yi)起來看看最值(zhi)得(de)關注的一(yi)(yi)些(xie)細(xi)(xi)節。

避免兩大誤區

一是避免超(chao)(chao)額(e)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)或(huo)不足額(e)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)。所謂超(chao)(chao)額(e)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，打個比(bi)方(fang)，某(mou)人(ren)的(de)車輛(liang)價(jia)值(zhi)15萬元，卻投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)了20萬元的(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，認為多(duo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)多(duo)賠。不足額(e)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)則(ze)恰好(hao)相反。其實，這兩種(zhong)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)都不能得(de)到有(you)效保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障。根據《保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法》規(gui)定(ding)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)額(e)不得(de)超(chao)(chao)過(guo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)，超(chao)(chao)過(guo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)的(de)，超(chao)(chao)過(guo)部分無效。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)額(e)低于保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)的(de)，除合同另(ling)有(you)約定(ding)外，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)按照保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)額(e)與保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)的(de)比(bi)例(li)承(cheng)擔賠償責任。

二是避免重(zhong)(zhong)復(fu)(fu)保(bao)險(xian)。在一家保(bao)險(xian)公司購(gou)買保(bao)險(xian)后，不(bu)要再到另外一家保(bao)險(xian)公司投保(bao)。《保(bao)險(xian)法(fa)》規(gui)定，重(zhong)(zhong)復(fu)(fu)保(bao)險(xian)的保(bao)險(xian)金額總(zong)和(he)超過(guo)保(bao)險(xian)價值(zhi)的，各保(bao)險(xian)人的賠償金額總(zong)和(he)不(bu)得超過(guo)保(bao)險(xian)價值(zhi)。因此(ci)，即(ji)使投保(bao)人重(zhong)(zhong)復(fu)(fu)投保(bao)，也不(bu)會得到超價值(zhi)賠付。