【The owner's family car knowledge】Insiders in the insurance industry remind that the risk factor of driving in an unfamiliar place is greater than that of daily driving. Therefore, it is best to purchase a short-term insurance product for self-driving travel before traveling to make the journey worry-free.
Insurance experts pointed out that car insurance alone still lacks protection for self-driving travelers, nor can it protect the personal safety of the car’s property and other passengers. Therefore, it is recommended that before the departure of the self-driving tour, the owner can temporarily increase the liability limit of the on-board personnel insurance; at the same time, temporarily increase some "vehicle loss insurance", "tire blasting insurance", "glass breakage insurance alone", "theft rescue", etc. , In order to deal with various situations that may occur during travel. In addition, self-driving tourists can also purchase a travel accident insurance covering general accidental injuries and accidental medical compensation according to the travel route. Whether they are traveling by car, driving or getting off the car, there is a guarantee.
In order to solve the cumbersomeness of people insuring one by one, some insurance companies have specially created travel insurance plans that include self-driving accident insurance. The website of a well-known domestic property insurance company shows that each insurance company has considered the needs of a trip or a coordinated trip, including the risk of driving or riding a motor vehicle, and including accidental medical protection. There are also special protections such as allowance for visits to relatives and friends, accidental death and disability and burns, repatriation of deceased remains, loss of luggage, documents, etc.
Carpooling trips should buy protection for passengers
Insurance experts remind those traveling by car to carefully analyze the risks that may be encountered during the trip before making a decision on the type of insurance they should purchase. For car-pooling owners, they also need to insure the on-board personnel liability insurance, in order to provide an extra layer of protection for the drivers and passengers. The liability limit of the on-board liability insurance is determined through negotiation between the insured and the insurance company, and the number of insured drivers and passengers generally does not exceed the approved number of seats for the insured vehicle. In the calculation of insurance premiums, the rate of liability insurance for vehicle personnel has nothing to do with the price of the car, but is related to the liability limit and rate of insurance. The higher the insurance standard, the higher the premium of this insurance type. From the perspective of risk management, it is recommended to insure all seats in the car.
Expert remind
Pay attention to 3 points for insurance before traveling by car:
1. Compensation ability in different geographical areas:When applying for auto insurance, it is necessary to see whether there are restrictions on the driving area in the insurance clauses, and pay special attention to the service network of the insurance company and the ability of different geographic claims to ensure that the vehicle can receive the insurance company's claim service in a timely manner. When traveling, you must bring the original insurance policy, the insured's ID card, driving book, and driver's license.
2. Sign the agreement in advance:For "Pinke" self-driving outing activities, it is best to sign a Pinyou agreement based on the consensus reached between members to clarify their respective responsibilities and obligations, especially whether the passengers are liable for the accident in the event of an accident.
3. Call the police first when you are in danger:Once a vehicle accident occurs in a foreign area, don’t panic. On the one hand, call the police as soon as possible and ask the traffic control department to deal with it in time; on the other hand, you must call the insurance company’s special line to report the case, and the local company will send personnel to the scene for responsibility identification and investigation. damage.
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