一、買汽車保險需要注意哪些問題

隨著我國機動車保有量的(de)(de)逐(zhu)年增加，汽車保險也成了一(yi)個(ge)熱門(men)話題(ti)，在(zai)購買(mai)車險的(de)(de)時候，我們需要注意的(de)(de)問題(ti)有很多，包括：

1、車險公司選擇是關鍵

選(xuan)擇哪家保(bao)險公司，選(xuan)擇什(shen)么方式投(tou)保(bao)，都(dou)決定著投(tou)保(bao)的質量。而在眾多的投(tou)保(bao)渠道中(zhong)，大家應盡量選(xuan)擇品牌知名度高(gao)、投(tou)保(bao)方便、理賠及時、服務優質的車險公司。

2、投保方案很重要

車(che)(che)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)的種類有很多，選(xuan)擇是主要(yao)考慮(lv)性價比因素(su)，一般普通車(che)(che)主購買交(jiao)(jiao)強險(xian)(xian)(xian)(xian)(xian)(xian)(xian)+車(che)(che)損險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、盜搶險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、車(che)(che)上人員(yuan)責(ze)(ze)任(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)(yi)及商(shang)業第三者(zhe)責(ze)(ze)任(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)五個險(xian)(xian)(xian)(xian)(xian)(xian)(xian)種組(zu)合(he)就比較好了；預算充足的話(hua)，可(ke)(ke)以(yi)(yi)考慮(lv)選(xuan)擇“全險(xian)(xian)(xian)(xian)(xian)(xian)(xian)”，其中包括4項(xiang)基本(ben)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)：車(che)(che)損險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、盜搶險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、車(che)(che)上人員(yuan)責(ze)(ze)任(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)(yi)及商(shang)業第三者(zhe)責(ze)(ze)任(ren)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，以(yi)(yi)及車(che)(che)身劃痕險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、不計免(mian)賠特約險(xian)(xian)(xian)(xian)(xian)(xian)(xian)以(yi)(yi)及玻(bo)璃單獨(du)破碎險(xian)(xian)(xian)(xian)(xian)(xian)(xian)3個附(fu)加(jia)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，總計7項(xiang)商(shang)業險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，再加(jia)上交(jiao)(jiao)強險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，也(ye)就是通稱(cheng)的“八項(xiang)全險(xian)(xian)(xian)(xian)(xian)(xian)(xian)”。這樣(yang)，車(che)(che)主在駕(jia)駛中的絕(jue)大(da)部分的事故都可(ke)(ke)以(yi)(yi)得到(dao)保(bao)障了。對(dui)于老車(che)(che)主建議根據經驗選(xuan)擇險(xian)(xian)(xian)(xian)(xian)(xian)(xian)種，比如對(dui)于駕(jia)駛技術熟練的車(che)(che)主可(ke)(ke)選(xuan)擇車(che)(che)損險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)三者(zhe)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，在大(da)幅降(jiang)低(di)保(bao)費的同(tong)時也(ye)能實現(xian)基本(ben)保(bao)障。

3、選擇最優惠車險費率

投保(bao)車(che)(che)(che)險(xian)時(shi)，保(bao)費當然(ran)是(shi)車(che)(che)(che)主(zhu)最關心的(de)(de)，在選擇(ze)的(de)(de)時(shi)候，可以綜(zong)合(he)(he)比(bi)較不同車(che)(che)(che)險(xian)公司出局的(de)(de)車(che)(che)(che)險(xian)方案和保(bao)費，綜(zong)合(he)(he)考慮，選擇(ze)性(xing)價比(bi)高的(de)(de)汽(qi)車(che)(che)(che)保(bao)險(xian)。

二、購車險要避開的陷阱與誤區

購買車險的時(shi)候，還有(you)一(yi)些陷阱和誤(wu)區是各位車主朋友需要注(zhu)意避開的：

1、買車險防六大陷阱

（1）陷(xian)阱一：強行搭售險(xian)(xian)(xian)種。在目前的(de)(de)車(che)險(xian)(xian)(xian)種類中(zhong)，只有屬(shu)于(yu)交管部門(men)強制性要求的(de)(de)“第三(san)者(zhe)責任險(xian)(xian)(xian)”是車(che)主必須買的(de)(de)，車(che)損險(xian)(xian)(xian)和(he)防盜(dao)險(xian)(xian)(xian)等險(xian)(xian)(xian)種都是可(ke)供(gong)選擇的(de)(de)險(xian)(xian)(xian)種，但(dan)在很多汽車(che)交易市場把責任險(xian)(xian)(xian)、防盜(dao)險(xian)(xian)(xian)和(he)車(che)損險(xian)(xian)(xian)捆綁(bang)起來作(zuo)為(wei)基本險(xian)(xian)(xian)銷售，大家購買時要注意。

（2）陷阱二：誤導(dao)車(che)(che)(che)(che)主投保(bao)。乘客險(xian)(xian)(xian)、玻璃破碎險(xian)(xian)(xian)、車(che)(che)(che)(che)輛(liang)損失險(xian)(xian)(xian)事(shi)關車(che)(che)(che)(che)主切(qie)身利益，車(che)(che)(che)(che)主愿意購買，但新車(che)(che)(che)(che)的(de)自(zi)燃險(xian)(xian)(xian)、私家(jia)車(che)(che)(che)(che)的(de)貨物險(xian)(xian)(xian)、營運停駛損失險(xian)(xian)(xian)則可以(yi)不(bu)買。但有的(de)車(che)(che)(che)(che)險(xian)(xian)(xian)代理人(ren)要么不(bu)給車(che)(che)(che)(che)主解釋清楚(chu)，要么誤導(dao)車(che)(che)(che)(che)主入保(bao)，使(shi)一些(xie)沒有經驗(yan)的(de)車(che)(che)(che)(che)主買了不(bu)該買或可以(yi)不(bu)買的(de)保(bao)險(xian)(xian)(xian)。

（3）陷阱(jing)三：誘導(dao)超額(e)投保(bao)(bao)或重復投保(bao)(bao)。一(yi)些汽車(che)(che)經銷(xiao)商會誘導(dao)車(che)(che)主超額(e)投保(bao)(bao)或重復投保(bao)(bao)以多(duo)(duo)賺代理(li)費。其(qi)實，保(bao)(bao)險(xian)(xian)(xian)公司賠(pei)多(duo)(duo)少(shao)完全根據汽車(che)(che)出險(xian)(xian)(xian)的(de)實際(ji)情況(kuang)而定，并不會因為保(bao)(bao)得多(duo)(duo)就賠(pei)得多(duo)(duo)。此外，按照《保(bao)(bao)險(xian)(xian)(xian)法》第四(si)十條規(gui)定：重復保(bao)(bao)險(xian)(xian)(xian)的(de)保(bao)(bao)險(xian)(xian)(xian)金額(e)總和(he)超過保(bao)(bao)險(xian)(xian)(xian)價值(zhi)的(de)，各保(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)賠(pei)償金額(e)的(de)總和(he)不得超過保(bao)(bao)險(xian)(xian)(xian)價值(zhi)。因此，投保(bao)(bao)人(ren)多(duo)(duo)投幾份(fen)保(bao)(bao)也不會得到超價值(zhi)賠(pei)款。

（4）陷阱四(si)：代(dai)理(li)人員(yuan)“扣(kou)單(dan)”。投(tou)保(bao)(bao)(bao)(bao)(bao)時(shi)要(yao)選擇國家批準的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)公司(si)(si)所屬機構(gou)投(tou)保(bao)(bao)(bao)(bao)(bao)，而不能隨便找(zhao)一(yi)家保(bao)(bao)(bao)(bao)(bao)險(xian)代(dai)理(li)機構(gou)投(tou)保(bao)(bao)(bao)(bao)(bao)。一(yi)些保(bao)(bao)(bao)(bao)(bao)險(xian)代(dai)理(li)人或“假代(dai)理(li)”在拉到保(bao)(bao)(bao)(bao)(bao)單(dan)后，并不直(zhi)接交(jiao)給保(bao)(bao)(bao)(bao)(bao)險(xian)公司(si)(si)，而是“伺(si)機而動”。如果(guo)車(che)主不出險(xian)，保(bao)(bao)(bao)(bao)(bao)費(fei)就自(zi)(zi)己扣(kou)下了。如果(guo)車(che)主出了險(xian)，輕險(xian)自(zi)(zi)己掏錢賠付了事；大險(xian)則想方設(she)法(fa)騙(pian)公司(si)(si)，甚至一(yi)走(zou)了之。

（5）陷阱五：保(bao)單(dan)以假亂(luan)真(zhen)。一些“假代理”使用的(de)保(bao)單(dan)和發票乍(zha)看(kan)起來(lai)，與正規(gui)保(bao)險公司無異。因此，在(zai)拿到保(bao)險單(dan)證(zheng)時要認真(zhen)核對，看(kan)看(kan)單(dan)證(zheng)第三聯是否(fou)(fou)采用了白(bai)色無碳(tan)復寫紙(zhi)印(yin)(yin)制，并加(jia)印(yin)(yin)淺褐(he)色防偽底紋，其左(zuo)上角是否(fou)(fou)印(yin)(yin)有“中國保(bao)險監督管理委員會監制”字樣，右上角是否(fou)(fou)印(yin)(yin)有“限在(zai)xx省(市、自(zi)治區)銷售”字樣。如果沒有，應拒絕簽(qian)字。

（6）陷(xian)阱(jing)六：自(zi)(zi)己定(ding)損修(xiu)(xiu)(xiu)車(che)。有些表面(mian)上是保險(xian)公司的車(che)險(xian)定(ding)損員(yuan)，暗地里卻是汽(qi)車(che)修(xiu)(xiu)(xiu)理廠的老板，自(zi)(zi)己定(ding)損自(zi)(zi)己修(xiu)(xiu)(xiu)，這是目前市(shi)場中一些定(ding)損員(yuan)的生(sheng)財之道。據了解，保險(xian)主管(guan)部門明(ming)確(que)規定(ding)，不允許(xu)強制性指定(ding)事故車(che)輛維修(xiu)(xiu)(xiu)點。

2、買汽車保險避免兩大誤區

（1）避免超(chao)額(e)投保(bao)(bao)(bao)(bao)(bao)(bao)或不足(zu)額(e)投保(bao)(bao)(bao)(bao)(bao)(bao)。所謂超(chao)額(e)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，打(da)個比方，某人(ren)的(de)車(che)輛(liang)價(jia)值(zhi)15萬元，卻(que)投保(bao)(bao)(bao)(bao)(bao)(bao)了20萬元的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，認(ren)為多(duo)保(bao)(bao)(bao)(bao)(bao)(bao)多(duo)賠。不足(zu)額(e)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)則恰好相反。其實，這兩種(zhong)投保(bao)(bao)(bao)(bao)(bao)(bao)都不能得(de)到有效保(bao)(bao)(bao)(bao)(bao)(bao)障。根(gen)據《保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法》規(gui)定，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)不得(de)超(chao)過(guo)(guo)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值(zhi)，超(chao)過(guo)(guo)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值(zhi)的(de)，超(chao)過(guo)(guo)部分無效。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)低于保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值(zhi)的(de)，除合同另有約定外，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)按照保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)與(yu)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價(jia)值(zhi)的(de)比例(li)承擔賠償責任(ren)。

（2）避免(mian)重(zhong)復投(tou)(tou)保(bao)(bao)(bao)。在一家保(bao)(bao)(bao)險公司(si)購買車險后，不(bu)要再到另外一家保(bao)(bao)(bao)險公司(si)投(tou)(tou)保(bao)(bao)(bao)。《保(bao)(bao)(bao)險法(fa)》規定，重(zhong)復保(bao)(bao)(bao)險的(de)保(bao)(bao)(bao)險金額(e)總(zong)和超過(guo)保(bao)(bao)(bao)險價(jia)值的(de)，各保(bao)(bao)(bao)險人(ren)的(de)賠償(chang)金額(e)總(zong)和不(bu)得超過(guo)保(bao)(bao)(bao)險價(jia)值。因此，即使投(tou)(tou)保(bao)(bao)(bao)人(ren)重(zhong)復投(tou)(tou)保(bao)(bao)(bao)，也不(bu)會得到超價(jia)值賠付。