一、買汽車保險需要注意哪些問題

隨著我國機動(dong)車(che)保有量的逐年(nian)增加，汽(qi)車(che)保險也成了一個熱門話題，在購買(mai)車(che)險的時候，我們需要注意的問題有很多，包括：

1、車險公司選擇是關鍵

選(xuan)擇哪家(jia)保(bao)(bao)險公(gong)(gong)司，選(xuan)擇什么方(fang)式投(tou)保(bao)(bao)，都(dou)決定(ding)著投(tou)保(bao)(bao)的質(zhi)量(liang)。而(er)在眾多的投(tou)保(bao)(bao)渠(qu)道中，大家(jia)應(ying)盡量(liang)選(xuan)擇品牌知(zhi)名度高(gao)、投(tou)保(bao)(bao)方(fang)便(bian)、理(li)賠及(ji)時、服務優質(zhi)的車險公(gong)(gong)司。

2、投保方案很重要

車(che)(che)險(xian)(xian)(xian)(xian)的(de)(de)(de)種(zhong)(zhong)類有很(hen)多，選擇(ze)是主要(yao)考慮性價比因素，一般(ban)普通(tong)車(che)(che)主購買交強險(xian)(xian)(xian)(xian)+車(che)(che)損險(xian)(xian)(xian)(xian)、盜搶(qiang)險(xian)(xian)(xian)(xian)、車(che)(che)上(shang)人員(yuan)責(ze)任險(xian)(xian)(xian)(xian)以(yi)(yi)(yi)及(ji)商業(ye)第(di)(di)三者(zhe)(zhe)責(ze)任險(xian)(xian)(xian)(xian)五(wu)個(ge)險(xian)(xian)(xian)(xian)種(zhong)(zhong)組合就比較(jiao)好了(le)；預算充足的(de)(de)(de)話，可以(yi)(yi)(yi)考慮選擇(ze)“全(quan)(quan)險(xian)(xian)(xian)(xian)”，其中包括4項基(ji)本險(xian)(xian)(xian)(xian)：車(che)(che)損險(xian)(xian)(xian)(xian)、盜搶(qiang)險(xian)(xian)(xian)(xian)、車(che)(che)上(shang)人員(yuan)責(ze)任險(xian)(xian)(xian)(xian)以(yi)(yi)(yi)及(ji)商業(ye)第(di)(di)三者(zhe)(zhe)責(ze)任險(xian)(xian)(xian)(xian)，以(yi)(yi)(yi)及(ji)車(che)(che)身劃痕險(xian)(xian)(xian)(xian)、不計(ji)免賠特(te)約險(xian)(xian)(xian)(xian)以(yi)(yi)(yi)及(ji)玻璃單獨破碎險(xian)(xian)(xian)(xian)3個(ge)附加(jia)險(xian)(xian)(xian)(xian)，總計(ji)7項商業(ye)險(xian)(xian)(xian)(xian)，再(zai)加(jia)上(shang)交強險(xian)(xian)(xian)(xian)，也就是通(tong)稱的(de)(de)(de)“八項全(quan)(quan)險(xian)(xian)(xian)(xian)”。這樣，車(che)(che)主在駕駛中的(de)(de)(de)絕大部(bu)分的(de)(de)(de)事故都可以(yi)(yi)(yi)得到(dao)保(bao)障(zhang)了(le)。對于老車(che)(che)主建議根據經驗選擇(ze)險(xian)(xian)(xian)(xian)種(zhong)(zhong)，比如對于駕駛技術(shu)熟練的(de)(de)(de)車(che)(che)主可選擇(ze)車(che)(che)損險(xian)(xian)(xian)(xian)和三者(zhe)(zhe)險(xian)(xian)(xian)(xian)，在大幅降(jiang)低(di)保(bao)費的(de)(de)(de)同時(shi)也能實現基(ji)本保(bao)障(zhang)。

3、選擇最優惠車險費率

投保(bao)車險時，保(bao)費當然是(shi)車主最關心的(de)，在選擇(ze)的(de)時候，可(ke)以綜合(he)比(bi)較不同(tong)車險公司出(chu)局的(de)車險方案和保(bao)費，綜合(he)考(kao)慮，選擇(ze)性價(jia)比(bi)高的(de)汽(qi)車保(bao)險。

二、購車險要避開的陷阱與誤區

購買車險的時候，還(huan)有一些陷阱(jing)和誤區(qu)是(shi)各位車主朋友需(xu)要注意避開的：

1、買車險防六大陷阱

（1）陷阱一(yi)：強(qiang)行搭售(shou)險(xian)種。在目(mu)前的(de)車險(xian)種類中，只有屬于交管部門強(qiang)制性(xing)要(yao)求的(de)“第三(san)者(zhe)責(ze)任險(xian)”是(shi)車主(zhu)必(bi)須買的(de)，車損(sun)險(xian)和防盜險(xian)等險(xian)種都是(shi)可供選(xuan)擇(ze)的(de)險(xian)種，但在很多汽車交易市(shi)場把責(ze)任險(xian)、防盜險(xian)和車損(sun)險(xian)捆綁起來作(zuo)為(wei)基本險(xian)銷售(shou)，大家(jia)購買時要(yao)注(zhu)意。

（2）陷(xian)阱二：誤導車(che)(che)主投保。乘客險(xian)(xian)(xian)、玻璃破(po)碎(sui)險(xian)(xian)(xian)、車(che)(che)輛損失險(xian)(xian)(xian)事關車(che)(che)主切(qie)身利益，車(che)(che)主愿意購買(mai)，但新(xin)車(che)(che)的(de)自燃險(xian)(xian)(xian)、私家(jia)車(che)(che)的(de)貨(huo)物(wu)險(xian)(xian)(xian)、營運停(ting)駛損失險(xian)(xian)(xian)則可以不買(mai)。但有的(de)車(che)(che)險(xian)(xian)(xian)代理人要么(me)(me)不給車(che)(che)主解釋清楚(chu)，要么(me)(me)誤導車(che)(che)主入保，使(shi)一些沒(mei)有經驗的(de)車(che)(che)主買(mai)了不該買(mai)或可以不買(mai)的(de)保險(xian)(xian)(xian)。

（3）陷阱三：誘導超(chao)額投保(bao)(bao)(bao)(bao)或重(zhong)復(fu)投保(bao)(bao)(bao)(bao)。一些汽車經銷商會誘導車主超(chao)額投保(bao)(bao)(bao)(bao)或重(zhong)復(fu)投保(bao)(bao)(bao)(bao)以多賺(zhuan)代(dai)理(li)費(fei)。其(qi)實，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)賠多少完(wan)全根據汽車出險(xian)(xian)(xian)的(de)實際情況(kuang)而定(ding)，并不(bu)會因(yin)為(wei)保(bao)(bao)(bao)(bao)得(de)多就賠得(de)多。此(ci)外，按(an)照《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法》第四十條規(gui)定(ding)：重(zhong)復(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)額總(zong)和(he)超(chao)過(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值(zhi)的(de)，各保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)賠償金(jin)額的(de)總(zong)和(he)不(bu)得(de)超(chao)過(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值(zhi)。因(yin)此(ci)，投保(bao)(bao)(bao)(bao)人多投幾份保(bao)(bao)(bao)(bao)也(ye)不(bu)會得(de)到超(chao)價值(zhi)賠款。

（4）陷(xian)阱四：代(dai)(dai)理(li)(li)人員“扣(kou)單(dan)”。投保(bao)時要選擇國家批準的保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)所屬機構投保(bao)，而(er)(er)不(bu)能隨(sui)便(bian)找(zhao)一家保(bao)險(xian)(xian)(xian)(xian)代(dai)(dai)理(li)(li)機構投保(bao)。一些保(bao)險(xian)(xian)(xian)(xian)代(dai)(dai)理(li)(li)人或“假(jia)代(dai)(dai)理(li)(li)”在拉(la)到保(bao)單(dan)后(hou)，并不(bu)直接交給保(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)，而(er)(er)是“伺機而(er)(er)動”。如果車主(zhu)不(bu)出(chu)險(xian)(xian)(xian)(xian)，保(bao)費(fei)就自(zi)己(ji)(ji)扣(kou)下了(le)。如果車主(zhu)出(chu)了(le)險(xian)(xian)(xian)(xian)，輕(qing)險(xian)(xian)(xian)(xian)自(zi)己(ji)(ji)掏錢(qian)賠付(fu)了(le)事；大險(xian)(xian)(xian)(xian)則想方設法騙公(gong)司(si)，甚至一走了(le)之。

（5）陷阱五：保(bao)單(dan)以假亂真(zhen)。一(yi)些“假代理(li)”使(shi)用的保(bao)單(dan)和發票(piao)乍看(kan)起來，與正規保(bao)險(xian)公(gong)司(si)無(wu)異。因此(ci)，在拿到保(bao)險(xian)單(dan)證時要認真(zhen)核對，看(kan)看(kan)單(dan)證第三聯是(shi)(shi)否采用了白色無(wu)碳復寫紙印(yin)制，并(bing)加印(yin)淺褐色防偽(wei)底(di)紋，其左上(shang)角(jiao)是(shi)(shi)否印(yin)有(you)(you)“中(zhong)國保(bao)險(xian)監督管(guan)理(li)委員會(hui)監制”字(zi)(zi)樣，右(you)上(shang)角(jiao)是(shi)(shi)否印(yin)有(you)(you)“限在xx省(市、自治區)銷售(shou)”字(zi)(zi)樣。如果沒有(you)(you)，應拒絕簽字(zi)(zi)。

（6）陷阱六(liu)：自(zi)己(ji)(ji)定(ding)(ding)損(sun)修(xiu)車(che)。有些表面上是保險(xian)公司的(de)車(che)險(xian)定(ding)(ding)損(sun)員(yuan)，暗地(di)里卻是汽(qi)車(che)修(xiu)理(li)廠的(de)老(lao)板，自(zi)己(ji)(ji)定(ding)(ding)損(sun)自(zi)己(ji)(ji)修(xiu)，這是目(mu)前(qian)市(shi)場中一些定(ding)(ding)損(sun)員(yuan)的(de)生財之道。據了解(jie)，保險(xian)主(zhu)管(guan)部門(men)明確規(gui)定(ding)(ding)，不允許強制性(xing)指定(ding)(ding)事故車(che)輛維(wei)修(xiu)點(dian)。

2、買汽車保險避免兩大誤區

（1）避免超額(e)(e)投保(bao)(bao)(bao)(bao)(bao)或不足額(e)(e)投保(bao)(bao)(bao)(bao)(bao)。所謂超額(e)(e)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)，打個比(bi)方(fang)，某人的(de)車(che)輛(liang)價(jia)(jia)(jia)值(zhi)15萬(wan)(wan)元(yuan)，卻(que)投保(bao)(bao)(bao)(bao)(bao)了(le)20萬(wan)(wan)元(yuan)的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)，認為多(duo)保(bao)(bao)(bao)(bao)(bao)多(duo)賠。不足額(e)(e)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)則恰(qia)好(hao)相反。其實，這兩種投保(bao)(bao)(bao)(bao)(bao)都(dou)不能得到有效(xiao)保(bao)(bao)(bao)(bao)(bao)障。根據《保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)法》規定，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)額(e)(e)不得超過保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)價(jia)(jia)(jia)值(zhi)，超過保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)價(jia)(jia)(jia)值(zhi)的(de)，超過部分無效(xiao)。保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)額(e)(e)低于保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)價(jia)(jia)(jia)值(zhi)的(de)，除合同另有約定外，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人按照保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)額(e)(e)與保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)價(jia)(jia)(jia)值(zhi)的(de)比(bi)例承擔賠償責(ze)任(ren)。

（2）避免重(zhong)復(fu)投保(bao)(bao)(bao)。在一家保(bao)(bao)(bao)險公司購(gou)買(mai)車險后，不要再到另外(wai)一家保(bao)(bao)(bao)險公司投保(bao)(bao)(bao)。《保(bao)(bao)(bao)險法》規定，重(zhong)復(fu)保(bao)(bao)(bao)險的保(bao)(bao)(bao)險金額總和超(chao)過(guo)保(bao)(bao)(bao)險價(jia)值(zhi)的，各保(bao)(bao)(bao)險人的賠償金額總和不得(de)超(chao)過(guo)保(bao)(bao)(bao)險價(jia)值(zhi)。因此，即使投保(bao)(bao)(bao)人重(zhong)復(fu)投保(bao)(bao)(bao)，也(ye)不會得(de)到超(chao)價(jia)值(zhi)賠付。