How to choose a good auto insurance company?

When choosing to purchase insurance, many buyers often choose the auto insurance company have relatives or acquaintances is working, just to get peace of mind just can help relatives get more sales from the sale of insurance.



However, this often does not bring more effective when the incidents happened especially when a loved one has. So you need to remember that the purchase of auto insurance is signed with the company and the selling price of car insurance is also given by the company rather than from individuals. Thus, to select the appropriate auto insurance, consumers should note a few points:

-The financial capacity of insurers. The auto insurance company has strong financial capability will ensure for you about affordability when the incident occurred.

-24-hour hotline (be careful if there is a cell phone number because the situation then also at need to sleep).

-Repair garage network (vehicle insurance Price you pay is high then there is no reason you can't be repaired in the garage genuine)

-Reviews of the driver and other vehicle owners about the time and procedure for indemnification of insurance companies (the compensation slow 1-2 days will cause consumers to lose more money than the amount the buyer can save from the premium).

To get the best selection, please refer to the rates from at least three reputable insurance company to get the overview and comprehensive comparison.

Auto insurance company and its responsibilities

Should choose the auto insurance company has relationships with prestigious and convenient garage for repair. It is to find out the level of cooperation with the insurance company's garage to avoid having to go back several times because of cumbersome procedures.

Many auto insurance companies have a "backyard" is the car repair shop and can they publicly speak out, may also not public that only "disambiguation". So, it is best to choose a reputable repair company to take on the terms of the contract.



Where repair is a significant problem should make sure people buying insurance that must be the right to choose the place of repair when signing the contract, avoid being exchanged or poor quality furniture.

If buying household insurance, health care insurance and car insurance at the same prestigious insurance company, customers will likely receive a certain discount rate. If there are conditions, should buy insurance more than a year.

Don't just listen to what people who sell insurance explained, but also to request that provided documentation on the accompanying insurance rules. New auto insurance rules have only performed the rights, obligations, excluding not be compensated.

Therefore, to avoid such negligence can cause disadvantage later on, before buying the insurance, car owners should study carefully the items in the contract and the terms of insurance expansion.

Understand the rights and responsibilities

When buying insurance, customers would also like to when the problem will be quick and fair compensation, was replaced in the car or garage professional auto insurance company and using genuine spare parts.

Specific talks about each of the terms is the best way to ensure the rights of people to buy auto insurance is respected.

Automobile insurance company gets in trouble

The report of the Association of automobile manufacturers showed Vietnam, early March sales results of 2014 continued is a sad figure for auto insurance company, the insurers of motor vehicles. Specifically, the total energy consumed in the car, 2/2014 of only 34% reduction were 7,314 compared with the previous month. This was the second consecutive month the production of automotive sales were declining significantly.

Sales of cars plunged, meaning the insured House hardly promoted the sales of premium cars. Automobile insurance (in motor vehicle insurance segment) continued to be sought as a spearhead in the deployment of the retail plan.



According to the data of the insurance supervision authority, the Ministry of finance, 2013, professional motor vehicle insurance premium revenue 6,854 billion, the highest proportion in the total premium revenue (28%) and an increase of 8% compared to the year 2012. Thus, recently, many insurers still decided to focus service upgrade, to attract customers.

Specifically, PTI is coordinating coverage with the garage on the biochemical transparency nationwide repair time for customers; before signing the contract, to the garage to fix quote; inform the customer expected time repaired the car. Every year, the PTI will conduct reviews of the system link according to the garage with a more realistic, aim to improve the quality of insurance service for customers.

Also aim to improve the quality of customer service, insurance has officially launched the service through customer support form to send messages through your mobile phone (SMS) and sending messages through electronic mail (email).

Accordingly, to purchase automobiles or motorcycles, customers need only send the message according to the syntax rules. After receiving the message, Vietnam will actively contact customers and free advice to clients with suitable products. Besides, clients join car insurance in Vietnam (before applying to the insured clients at Office Headquarters insurance company Baoviet and Hanoi) will enjoy the other support services such as retrieval information automobile insurance contracts of his ...

Meanwhile, Liberty also are gift program for loyal customers. Specifically, customers who currently have insurance contract for automobile material with Liberty have loss rate in year of the most recent insurance do not exceed 30%, agreed to renew the contract of insurance in time from now to the end of March 2014, and a full charge before April 30, 2014 will be awarded Big C coupon worth up to 1 million ...

Exchange with ĐTCK, represented a casualty auto insurance company in the country, said automobile insurance is still an attractive segment, easy to generate revenue in the context of the other insurance business has yet to show signs of strong recovery. However, this representative admitted, automobile insurance years without interest, should not "let go" of this profession, but this year the company also do not focus too much on investment here.

Fact, the hole in the automobile insurance services is not a new problem, the auto insurance company understand the cause why this profession.

Benefits of auto insurance in hurricane season

The hurricane season starts, repeatedly warning information on disaster risks was mentioned. Insurance service is referred to as a limited solution focus risk.

Recent studies of the Asian Fund pointed out that, in the past 20 years, Vietnam is 1 in 5 countries with the highest disaster risk in the world. According to the evaluation of the Institute of hydrology, auto insurance company, meteorology and environment (Ministry of natural resources and the environment), in 5 years, each year the disaster that killed about 500 people and damaged 14,500 billion, equivalent to 1.2% of GDP.



It is known in Asia in recent years repeatedly encountered many serious disasters from hurricanes, floods, earthquakes to tsunamis. Statistics shows that only in 2014, natural disasters have caused economic losses of up to 110 billion dollars, while in Asia, the figure up to 52 billion dollars, accounting for 47% of the total economic losses caused by natural disasters worldwide. Most recently, the earthquake in Nepal have internodes up ring about the need for insurance.

Speaking at a seminar held in Ho Chi Minh City recently, Mr. Bala Suppliah, in charge of risk analysis for Asia-Pacific, the auto insurance company that AIG, the insurance needs, natural disasters in Vietnam will be enterprises inside and outside the insurance industry more interested.

"In the context of natural disasters occur frequently, the top concern of businesses in Asia including Vietnam not only damage to property but also economic losses due to interruption of business.

Businesses understand that, by using the natural disaster insurance business has diminished somewhat anxiety and financial damage to themselves, "said Bala said and well said, what makes the difference between insurance companies is likely to up the model risk ratio assessed , advice and recommendations, propose solutions and effective technologies to reduce the risks at the lowest level possible. The multinational insurance companies still have the advantage in strong financial compensation to assist enterprises in major disaster situations.

In today's Vietnam, disaster insurance as well as insurance products, climate disaster is business interruption insurance ... haven't really been focused. However, after the "Newt" super salmon in Hanoi last June, although property damage is not too great, the range on the under 10 billion and losses mainly motor vehicles but "shield" role was also more positive.

Auto insurance company should be considered

Times are hard, people interested in saving. So all expenses are very thorough considerations. Time to renew the contract of automobile insurance, you may also be wondering if I should continue or stop and in both cases, you will have the choice?

A businessman has been buying insurance for your Mercedes R300 from an auto insurance company, with fees of about 46 million in 2013. However, he rarely used the car and he was also a driver very carefully throughout the year, he claims only once with the amount of about 7 million.



Think you'll be more profitable when auto insurance for his car, he decided not to renew insurance contract when it expires. Unbelievably only less the next day, his car suffered hydraulic House forced to replace the entire motor. This disaster caused him to lose about 1.3 billion.

The insurance company has been serving customers is very sad to hear the news of the unfortunate former client, but vows to be sorry when could not help him.

According to the statistics of a casualty insurance company abroad, at least 2/3 of customers have ever received compensation from the company in the past year, should be able to say is that almost everybody has at the need for insurance.

If you decide not to renew the contract of automobile insurance? Welcome to the "Las Vegas", where you will gamble with risks! You will bear all the losses, if any, and wish you luck! But anyway, do not forget to renew the contract of a civilian casualty insurance compulsory.

As a rule, the cost is only 5 cars per year for copper 436,700 and copper per year for car 873,400. The fine for not buying this type of insurance is definitely higher than the premium you have to buy, and the chance of you being "enquire" by traffic police force is very high.

If you want to buy insurance with just the minimum cost? Currently, the casualty auto insurance company has a preferential policy for the customer loyalty and drive safely. So, you can save money by staying long with one auto insurance company and claims only when repair costs are considerable.

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