What you should know about car insurance

In addition to the type of compulsory insurance of civil liability of motor vehicles, customers buy vehicles can choose many types of insurance to minimize the damage.If want to pay insurance money quickly, car owners should collect the necessary papers filled and best thanks to relatives for help.

The Bao Minh paid 300 million for owner the Mitsubishi Jolie fire of recovery, is the most obvious evidence for the benefits of customers when buying insurance. The amount of 300 million was not enough to obtain a new car but compared to the "white lost", it's also less would damage to the material that people who ride encounter.

The form of insurance and benefits

Currently, there are four forms of insurance that customers buy vehicles can participate in most insurance companies including: compulsory insurance of civil liability ofowners of motor vehicles; insurance of civil liability of owners of vehicles for goods transport on the car; physical damage insurance of motor vehicles; insurance of people sitting on the car and driver accident car accessories.

In 4 categories, compulsory insurance of civil liability of owners of motor vehicles is the type that all the individual organizations (including individual foreigners) owneda car in Vietnam are involved specified by the State. When buying this insurance, motor vehicle insurance companies will be paid the amount that they are compensated according to the civil law of damages caused to third persons and passengers on vehicles according contracts because of the use of motor vehicles.

For these cases the human losses, the insurance will pay the reasonable cost for the cure, rehabilitation, affordable funeral. ... and the degree of fault of the car. With regard to assets, payments are calculated on the basis of actual damage and the fault of the car. In addition, car owners also paid the cost of necessary and reasonable in order to prevent and limit the losses related to that accident as fire calls, using fire extinguishers.

Rest 3 types of insurance after the entirely voluntary clients according to the content of the agreement with the insurance company. Especially in that, with physical types of insurance, the insurance company will indemnify the damage to the car caused the accident, outside the control of the owner of the car, drive the car in the case of collision, overturn, fire, fire, unforeseen accidents due to nature (storms , floods, landslides, earthquakes, lightning, hail, take the whole car).

The note when a car crash and payment procedures

One of the most common mistake when the car crashes as car owners do not stay to the insurance company confirmed the damage. Yet in some cases with other means, customers often assume that the car had covered should not interested in setting the minutes. Meanwhile, most insurance companies are regulated in the case of an accident, the car owner or driver must report immediately to the police and to theinsurance settlement.

In addition to timely notice, the owner of the car not move scrap or repair the vehicle when no comments from the insurance companies, except to enforce the directiveof the competent bodies.

If the case occurs the car (or drive) must immediately notify the police and local authorities where the problem occurred and the insurance company immediately in writing. Typically, the majority of insurance companies regulations about the time get informed take airport is 24 hours after the incident occurred.

Besides the provisions on vehicle owners, need to collect full papers to the insurance company paid quickly. Depending on each company but the General paperwork for payment include: accident records by the police; the papers related to the vehicleas an insurance certificate, certificate of environmental safety inspection, driver's license, car registration; the vouchers Bill relating to emergency expenses, medical vouchers (people), the cost of repairs, replacement (assets) related to the settlement of traffic accident.

The above problems can become downright trouble by usually when a malfunction,the car (driver) so take it easy. So, the majority of clients do not perform properly regulated or not doing the necessary procedures to make getting compensation for difficult or impossible. In the case of the Mitsubishi Jolie caught fire, though very puzzled but car owners still made adequate procedures thanks to the help of the home and then get a quick insurance money.