一、買汽車保險需要注意哪些問題

隨著(zhu)我國機動車(che)保有量的逐年增加，汽車(che)保險也成了一個熱門話題(ti)(ti)，在購(gou)買車(che)險的時候，我們需要注(zhu)意的問題(ti)(ti)有很多(duo)，包括：

1、車險公司選擇是關鍵

選(xuan)擇哪家保(bao)險公司(si)，選(xuan)擇什么方式(shi)投(tou)(tou)保(bao)，都(dou)決定著(zhu)投(tou)(tou)保(bao)的質(zhi)量。而在眾多(duo)的投(tou)(tou)保(bao)渠(qu)道中，大家應盡量選(xuan)擇品牌知名度高、投(tou)(tou)保(bao)方便、理賠及時、服務優質(zhi)的車險公司(si)。

2、投保方案很重要

車(che)(che)(che)(che)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)的種類有很多，選擇(ze)是主(zhu)要(yao)考(kao)慮性價比(bi)因素，一般普通(tong)(tong)車(che)(che)(che)(che)主(zhu)購(gou)買交強(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)+車(che)(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、盜搶(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、車(che)(che)(che)(che)上(shang)(shang)人員(yuan)責任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)及商(shang)業第三者(zhe)(zhe)責任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)五個險(xian)(xian)(xian)(xian)(xian)(xian)(xian)種組合就比(bi)較好了(le)(le)；預(yu)算充足的話，可(ke)以(yi)考(kao)慮選擇(ze)“全險(xian)(xian)(xian)(xian)(xian)(xian)(xian)”，其中包括4項基(ji)本險(xian)(xian)(xian)(xian)(xian)(xian)(xian)：車(che)(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、盜搶(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、車(che)(che)(che)(che)上(shang)(shang)人員(yuan)責任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)及商(shang)業第三者(zhe)(zhe)責任(ren)(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，以(yi)及車(che)(che)(che)(che)身劃痕險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、不計免賠(pei)特約險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)及玻璃單獨破碎險(xian)(xian)(xian)(xian)(xian)(xian)(xian)3個附加(jia)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，總(zong)計7項商(shang)業險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，再加(jia)上(shang)(shang)交強(qiang)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，也(ye)就是通(tong)(tong)稱的“八項全險(xian)(xian)(xian)(xian)(xian)(xian)(xian)”。這(zhe)樣，車(che)(che)(che)(che)主(zhu)在駕駛(shi)中的絕(jue)大部分的事(shi)故(gu)都可(ke)以(yi)得到保障(zhang)了(le)(le)。對(dui)于(yu)老(lao)車(che)(che)(che)(che)主(zhu)建議根據經驗選擇(ze)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)種，比(bi)如(ru)對(dui)于(yu)駕駛(shi)技術(shu)熟練(lian)的車(che)(che)(che)(che)主(zhu)可(ke)選擇(ze)車(che)(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)三者(zhe)(zhe)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，在大幅降(jiang)低保費(fei)的同時也(ye)能(neng)實現(xian)基(ji)本保障(zhang)。

3、選擇最優惠車險費率

投保車(che)(che)險(xian)(xian)時，保費當然是車(che)(che)主最關心的，在選擇(ze)的時候，可以綜(zong)合比(bi)較不同車(che)(che)險(xian)(xian)公司出局的車(che)(che)險(xian)(xian)方案和保費，綜(zong)合考慮(lv)，選擇(ze)性價比(bi)高的汽車(che)(che)保險(xian)(xian)。

二、購車險要避開的陷阱與誤區

購買車險的時候，還有一些陷阱和誤區(qu)是各位車主朋友需要注意避開的：

1、買車險防六大陷阱

（1）陷阱一：強行搭(da)售險(xian)(xian)種(zhong)。在(zai)目前的車(che)險(xian)(xian)種(zhong)類中(zhong)，只有屬于交管部門(men)強制(zhi)性要求的“第三者責(ze)任險(xian)(xian)”是(shi)車(che)主必(bi)須買的，車(che)損險(xian)(xian)和防(fang)盜險(xian)(xian)等險(xian)(xian)種(zhong)都是(shi)可供選擇的險(xian)(xian)種(zhong)，但在(zai)很多(duo)汽車(che)交易(yi)市場(chang)把(ba)責(ze)任險(xian)(xian)、防(fang)盜險(xian)(xian)和車(che)損險(xian)(xian)捆綁起來(lai)作為(wei)基本(ben)險(xian)(xian)銷(xiao)售，大家購(gou)買時要注意。

（2）陷阱二(er)：誤導車(che)(che)(che)主(zhu)投保(bao)。乘(cheng)客險(xian)、玻璃破碎險(xian)、車(che)(che)(che)輛(liang)損(sun)失險(xian)事關車(che)(che)(che)主(zhu)切身利益，車(che)(che)(che)主(zhu)愿意購買(mai)，但新(xin)車(che)(che)(che)的(de)自燃險(xian)、私(si)家車(che)(che)(che)的(de)貨物險(xian)、營運停駛損(sun)失險(xian)則可以(yi)不(bu)買(mai)。但有的(de)車(che)(che)(che)險(xian)代理人要么不(bu)給(gei)車(che)(che)(che)主(zhu)解(jie)釋清楚，要么誤導車(che)(che)(che)主(zhu)入保(bao)，使一些(xie)沒有經驗的(de)車(che)(che)(che)主(zhu)買(mai)了不(bu)該買(mai)或可以(yi)不(bu)買(mai)的(de)保(bao)險(xian)。

（3）陷(xian)阱三：誘(you)導超(chao)(chao)額(e)投保(bao)(bao)(bao)或(huo)重(zhong)復(fu)投保(bao)(bao)(bao)。一(yi)些汽(qi)車(che)經銷(xiao)商會(hui)誘(you)導車(che)主超(chao)(chao)額(e)投保(bao)(bao)(bao)或(huo)重(zhong)復(fu)投保(bao)(bao)(bao)以多賺代理(li)費。其實(shi)，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司賠(pei)多少完全根據汽(qi)車(che)出(chu)險(xian)(xian)(xian)(xian)的實(shi)際(ji)情況而定，并不會(hui)因(yin)為保(bao)(bao)(bao)得多就賠(pei)得多。此(ci)外，按照(zhao)《保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法》第四(si)十條規定：重(zhong)復(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額(e)總和(he)超(chao)(chao)過(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)(zhi)的，各保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的賠(pei)償(chang)金額(e)的總和(he)不得超(chao)(chao)過(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)(zhi)。因(yin)此(ci)，投保(bao)(bao)(bao)人(ren)多投幾份保(bao)(bao)(bao)也不會(hui)得到超(chao)(chao)價(jia)值(zhi)(zhi)賠(pei)款。

（4）陷阱四(si)：代理(li)(li)人員“扣單”。投保(bao)(bao)時(shi)要選(xuan)擇國家批準(zhun)的保(bao)(bao)險公(gong)司所屬(shu)機(ji)構(gou)投保(bao)(bao)，而不(bu)能隨便找一家保(bao)(bao)險代理(li)(li)機(ji)構(gou)投保(bao)(bao)。一些保(bao)(bao)險代理(li)(li)人或“假代理(li)(li)”在拉到(dao)保(bao)(bao)單后，并不(bu)直接交(jiao)給保(bao)(bao)險公(gong)司，而是“伺(si)機(ji)而動”。如(ru)果車(che)主不(bu)出(chu)險，保(bao)(bao)費就自(zi)己扣下了。如(ru)果車(che)主出(chu)了險，輕險自(zi)己掏錢(qian)賠付(fu)了事；大險則想方設法(fa)騙公(gong)司，甚至一走了之。

（5）陷阱(jing)五：保(bao)(bao)(bao)單(dan)以假亂真(zhen)。一些“假代理(li)”使(shi)用的保(bao)(bao)(bao)單(dan)和發票(piao)乍看起(qi)來，與正規保(bao)(bao)(bao)險公司(si)無異。因此，在拿到(dao)保(bao)(bao)(bao)險單(dan)證時要認真(zhen)核對，看看單(dan)證第三(san)聯是(shi)(shi)否采用了白色無碳復寫紙印(yin)制(zhi)，并加(jia)印(yin)淺褐色防偽底紋，其左上(shang)角是(shi)(shi)否印(yin)有“中國(guo)保(bao)(bao)(bao)險監(jian)督管(guan)理(li)委員會監(jian)制(zhi)”字(zi)樣(yang)，右上(shang)角是(shi)(shi)否印(yin)有“限在xx省(市(shi)、自治區)銷售”字(zi)樣(yang)。如果沒有，應拒絕簽字(zi)。

（6）陷阱六(liu)：自己(ji)定損修(xiu)車。有些表面上是(shi)保(bao)險公司的(de)車險定損員，暗地里卻(que)是(shi)汽(qi)車修(xiu)理(li)廠的(de)老板，自己(ji)定損自己(ji)修(xiu)，這是(shi)目(mu)前(qian)市場中一些定損員的(de)生財(cai)之道。據(ju)了(le)解(jie)，保(bao)險主管部門明確規(gui)定，不(bu)允許強(qiang)制(zhi)性指定事故車輛維(wei)修(xiu)點。

2、買汽車保險避免兩大誤區

（1）避免超(chao)額(e)(e)投保(bao)(bao)(bao)或不足(zu)額(e)(e)投保(bao)(bao)(bao)。所謂超(chao)額(e)(e)保(bao)(bao)(bao)險(xian)(xian)(xian)，打個比(bi)方，某(mou)人的(de)車輛(liang)價(jia)值15萬元(yuan)，卻投保(bao)(bao)(bao)了20萬元(yuan)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)，認為多保(bao)(bao)(bao)多賠。不足(zu)額(e)(e)保(bao)(bao)(bao)險(xian)(xian)(xian)則恰(qia)好相反。其(qi)實，這兩種投保(bao)(bao)(bao)都不能得到有(you)效保(bao)(bao)(bao)障。根據《保(bao)(bao)(bao)險(xian)(xian)(xian)法》規定(ding)，保(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)不得超(chao)過保(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值，超(chao)過保(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值的(de)，超(chao)過部(bu)分無效。保(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)低于保(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值的(de)，除(chu)合同另有(you)約(yue)定(ding)外(wai)，保(bao)(bao)(bao)險(xian)(xian)(xian)人按照保(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)與保(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值的(de)比(bi)例承擔賠償責任。

（2）避免重(zhong)復投保。在(zai)一(yi)家保險(xian)(xian)(xian)公司購(gou)買(mai)車(che)險(xian)(xian)(xian)后，不(bu)要再到(dao)(dao)另外(wai)一(yi)家保險(xian)(xian)(xian)公司投保。《保險(xian)(xian)(xian)法》規定，重(zhong)復保險(xian)(xian)(xian)的保險(xian)(xian)(xian)金額(e)總和(he)超過保險(xian)(xian)(xian)價值(zhi)的，各保險(xian)(xian)(xian)人(ren)(ren)的賠償金額(e)總和(he)不(bu)得超過保險(xian)(xian)(xian)價值(zhi)。因此，即使投保人(ren)(ren)重(zhong)復投保，也不(bu)會得到(dao)(dao)超價值(zhi)賠付。