PICC Car Insurance Cashback Rules

PICC car insurance cashback has no official announcement of the rules, cashback is generally a salesman in order to facilitate the sale of the policy, privately and the policyholder agreed to cashback concessions. However, in the purchase of car insurance may be given a certain discount, if you buy car insurance when the salesman promised to cash back, but also are the salesman's personal behavior. Here when buying insurance must pay attention to avoid spending more money when buying car insurance because of cashback.

What we need to remind you is that the CIRC actually has regulations, any insurance company shall not tout products in the form of cash back, gifts, etc., if you meet the insurance salesman to mention the cash back offer, be careful to be cheated, or there is a malicious too high premiums

Car insurance is generally divided into commercial insurance and compulsory insurance at the time of purchase, where the compulsory insurance is a must buy, do not buy the compulsory insurance The vehicle is not able to go on the road. The compulsory insurance is 950 yuan per year for a family car with less than 6 seats, and 1100 yuan per year for 6 seats and above. Depending on whether or not you are insured, you can get a discount.

Commercial insurance generally buy car damage insurance, three-person insurance, car liability insurance, deductible insurance, scratch insurance, water-related insurance, spontaneous combustion insurance, glass separate broken insurance, etc., in the purchase of their own car according to the environment to buy, general driving skills are not good when the purchase of more commercial insurance.

Buying car insurance must choose a better reputation, so that the insurance company in the follow-up claims are more guaranteed, the rights and interests of the owners can be protected; if the vehicle is often used in different areas, it is best to choose the insurance company's national service outlets are more, the accident will be more convenient to claim.

Car insurance claims process

When the car accident, the first is to report the case, the general insurance company requires that the case be reported within 48 hours. The second is the scene processing, the loss of more hours, the insurance company sent to the scene survey, and issued a "survey report", if the surveyor that need to be reported to the traffic police to deal with, will be reported to the traffic police department, by the traffic police department to the scene to investigate and collect evidence, and issued a "certificate of accident"; the third is the loss of the repair, the insurance company must be determined by the fixed loss, the fixed damage is completed before repairing the damaged vehicle; fourth, the submission of documents to make a claim, such as Traffic Accident Certificate of Liability and other proof; finally, the payment, after accounting, the insurance company's financial staff will be based on the amount of claims adjusters after the calculation, to the owner of the transfer of compensation.