一、買汽車保險需要注意哪些問題

隨著我國機動車(che)保有量(liang)的逐年(nian)增加(jia)，汽車(che)保險(xian)也成了(le)一個熱門話題，在購買車(che)險(xian)的時候，我們(men)需要注意的問題有很多，包括(kuo)：

1、車險公司選擇是關鍵

選擇(ze)哪(na)家(jia)保(bao)險公司，選擇(ze)什么方(fang)式投(tou)保(bao)，都(dou)決定著投(tou)保(bao)的(de)質量(liang)。而(er)在眾多(duo)的(de)投(tou)保(bao)渠道中，大(da)家(jia)應盡量(liang)選擇(ze)品牌知(zhi)名(ming)度高(gao)、投(tou)保(bao)方(fang)便、理賠及時(shi)、服務優質的(de)車險公司。

2、投保方案很重要

車(che)(che)(che)險(xian)(xian)(xian)(xian)的(de)(de)種(zhong)類有很多(duo)，選擇(ze)是主(zhu)要考慮性價比(bi)因素(su)，一(yi)般普(pu)通車(che)(che)(che)主(zhu)購買交(jiao)強(qiang)險(xian)(xian)(xian)(xian)+車(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)、盜(dao)搶險(xian)(xian)(xian)(xian)、車(che)(che)(che)上人(ren)員責(ze)任險(xian)(xian)(xian)(xian)以(yi)及商業第(di)(di)三(san)者(zhe)責(ze)任險(xian)(xian)(xian)(xian)五個(ge)險(xian)(xian)(xian)(xian)種(zhong)組合就比(bi)較(jiao)好了；預(yu)算充足的(de)(de)話，可以(yi)考慮選擇(ze)“全險(xian)(xian)(xian)(xian)”，其(qi)中包括4項(xiang)基(ji)本(ben)險(xian)(xian)(xian)(xian)：車(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)、盜(dao)搶險(xian)(xian)(xian)(xian)、車(che)(che)(che)上人(ren)員責(ze)任險(xian)(xian)(xian)(xian)以(yi)及商業第(di)(di)三(san)者(zhe)責(ze)任險(xian)(xian)(xian)(xian)，以(yi)及車(che)(che)(che)身劃痕險(xian)(xian)(xian)(xian)、不(bu)計免賠特約險(xian)(xian)(xian)(xian)以(yi)及玻璃單獨破碎險(xian)(xian)(xian)(xian)3個(ge)附加險(xian)(xian)(xian)(xian)，總計7項(xiang)商業險(xian)(xian)(xian)(xian)，再加上交(jiao)強(qiang)險(xian)(xian)(xian)(xian)，也就是通稱的(de)(de)“八(ba)項(xiang)全險(xian)(xian)(xian)(xian)”。這樣，車(che)(che)(che)主(zhu)在駕駛中的(de)(de)絕(jue)大部分的(de)(de)事故都可以(yi)得(de)到保障了。對(dui)于(yu)老車(che)(che)(che)主(zhu)建(jian)議根據經驗選擇(ze)險(xian)(xian)(xian)(xian)種(zhong)，比(bi)如對(dui)于(yu)駕駛技術熟練(lian)的(de)(de)車(che)(che)(che)主(zhu)可選擇(ze)車(che)(che)(che)損(sun)險(xian)(xian)(xian)(xian)和(he)三(san)者(zhe)險(xian)(xian)(xian)(xian)，在大幅降低保費的(de)(de)同(tong)時也能實現基(ji)本(ben)保障。

3、選擇最優惠車險費率

投保(bao)車險時(shi)，保(bao)費(fei)當然是車主(zhu)最(zui)關心(xin)的，在選擇的時(shi)候，可以綜(zong)合比較不同車險公司出(chu)局(ju)的車險方案和(he)保(bao)費(fei)，綜(zong)合考慮，選擇性價比高的汽(qi)車保(bao)險。

二、購車險要避開的陷阱與誤區

購買車險的時(shi)候，還有一些陷(xian)阱和誤區(qu)是各(ge)位車主朋友(you)需要注意避(bi)開的：

1、買車險防六大陷阱

（1）陷阱一：強行搭售險(xian)(xian)種(zhong)。在目(mu)前的(de)車(che)(che)險(xian)(xian)種(zhong)類中，只(zhi)有屬(shu)于交管(guan)部(bu)門強制性要求(qiu)的(de)“第三者責(ze)(ze)任險(xian)(xian)”是(shi)車(che)(che)主(zhu)必(bi)須買的(de)，車(che)(che)損險(xian)(xian)和(he)防(fang)盜險(xian)(xian)等險(xian)(xian)種(zhong)都(dou)是(shi)可(ke)供選擇的(de)險(xian)(xian)種(zhong)，但在很多汽車(che)(che)交易市場(chang)把(ba)責(ze)(ze)任險(xian)(xian)、防(fang)盜險(xian)(xian)和(he)車(che)(che)損險(xian)(xian)捆綁起來作為基本(ben)險(xian)(xian)銷售，大家購買時要注意。

（2）陷(xian)阱(jing)二：誤導車(che)(che)主投保(bao)。乘(cheng)客(ke)險(xian)(xian)、玻璃(li)破碎險(xian)(xian)、車(che)(che)輛損失險(xian)(xian)事(shi)關(guan)車(che)(che)主切(qie)身利(li)益，車(che)(che)主愿意(yi)購買，但新(xin)車(che)(che)的(de)(de)自(zi)燃險(xian)(xian)、私(si)家車(che)(che)的(de)(de)貨物險(xian)(xian)、營運(yun)停駛損失險(xian)(xian)則可以不買。但有的(de)(de)車(che)(che)險(xian)(xian)代理人要(yao)么不給車(che)(che)主解釋(shi)清楚(chu)，要(yao)么誤導車(che)(che)主入保(bao)，使一些沒有經驗的(de)(de)車(che)(che)主買了(le)不該(gai)買或可以不買的(de)(de)保(bao)險(xian)(xian)。

（3）陷(xian)阱三：誘導超(chao)額(e)投(tou)(tou)保(bao)(bao)或重(zhong)復(fu)投(tou)(tou)保(bao)(bao)。一(yi)些汽車經銷商(shang)會誘導車主超(chao)額(e)投(tou)(tou)保(bao)(bao)或重(zhong)復(fu)投(tou)(tou)保(bao)(bao)以(yi)多賺代理費。其實，保(bao)(bao)險(xian)(xian)(xian)公(gong)司賠(pei)(pei)多少完全(quan)根據汽車出險(xian)(xian)(xian)的實際情況而定，并不會因(yin)(yin)為保(bao)(bao)得(de)(de)多就賠(pei)(pei)得(de)(de)多。此外，按照(zhao)《保(bao)(bao)險(xian)(xian)(xian)法(fa)》第四十條規(gui)定：重(zhong)復(fu)保(bao)(bao)險(xian)(xian)(xian)的保(bao)(bao)險(xian)(xian)(xian)金額(e)總(zong)和(he)超(chao)過保(bao)(bao)險(xian)(xian)(xian)價值的，各保(bao)(bao)險(xian)(xian)(xian)人的賠(pei)(pei)償金額(e)的總(zong)和(he)不得(de)(de)超(chao)過保(bao)(bao)險(xian)(xian)(xian)價值。因(yin)(yin)此，投(tou)(tou)保(bao)(bao)人多投(tou)(tou)幾份(fen)保(bao)(bao)也不會得(de)(de)到超(chao)價值賠(pei)(pei)款。

（4）陷阱四(si)：代理(li)(li)人(ren)員“扣單(dan)”。投保(bao)時要選(xuan)擇國家(jia)批準的保(bao)險(xian)(xian)公司所屬機構投保(bao)，而不(bu)(bu)(bu)能隨便(bian)找一家(jia)保(bao)險(xian)(xian)代理(li)(li)機構投保(bao)。一些保(bao)險(xian)(xian)代理(li)(li)人(ren)或“假(jia)代理(li)(li)”在拉到保(bao)單(dan)后，并不(bu)(bu)(bu)直接(jie)交給保(bao)險(xian)(xian)公司，而是“伺(si)機而動”。如(ru)果(guo)車主不(bu)(bu)(bu)出險(xian)(xian)，保(bao)費就自(zi)己扣下了。如(ru)果(guo)車主出了險(xian)(xian)，輕險(xian)(xian)自(zi)己掏錢(qian)賠付了事；大險(xian)(xian)則(ze)想方設法騙公司，甚至一走了之。

（5）陷阱五：保單以假亂真。一(yi)些“假代理”使用(yong)的保單和(he)發票乍看(kan)起來，與正規保險公司無(wu)異。因此，在(zai)(zai)拿到保險單證(zheng)時要認真核(he)對，看(kan)看(kan)單證(zheng)第三聯是否(fou)采用(yong)了(le)白(bai)色(se)無(wu)碳復寫紙印(yin)制(zhi)，并加印(yin)淺褐(he)色(se)防偽底紋，其左上角是否(fou)印(yin)有(you)“中國保險監(jian)督管(guan)理委員會監(jian)制(zhi)”字樣(yang)，右上角是否(fou)印(yin)有(you)“限在(zai)(zai)xx省(sheng)(市、自(zi)治區(qu))銷售(shou)”字樣(yang)。如(ru)果(guo)沒有(you)，應拒絕簽字。

（6）陷(xian)阱六：自(zi)己(ji)定(ding)損(sun)(sun)(sun)修(xiu)(xiu)車。有些(xie)表面上是(shi)(shi)保(bao)險(xian)公司的車險(xian)定(ding)損(sun)(sun)(sun)員，暗地里卻是(shi)(shi)汽車修(xiu)(xiu)理(li)廠的老(lao)板(ban)，自(zi)己(ji)定(ding)損(sun)(sun)(sun)自(zi)己(ji)修(xiu)(xiu)，這是(shi)(shi)目前市場中一些(xie)定(ding)損(sun)(sun)(sun)員的生(sheng)財之道。據了(le)解(jie)，保(bao)險(xian)主管部門明確規定(ding)，不允許強制性指定(ding)事(shi)故車輛維修(xiu)(xiu)點。

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)(bao)(bao)或不足(zu)額(e)(e)投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)。所(suo)謂超額(e)(e)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，打個(ge)比(bi)方，某人的(de)(de)車輛(liang)價值15萬元，卻投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)了20萬元的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，認為多(duo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)多(duo)賠。不足(zu)額(e)(e)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)則恰好相反。其實(shi)，這(zhe)兩種投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)都不能得到有(you)效保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)。根據《保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法》規(gui)定，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)不得超過保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值，超過保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值的(de)(de)，超過部分無效。保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)低(di)于保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值的(de)(de)，除(chu)合同另有(you)約定外，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人按照保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金額(e)(e)與保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值的(de)(de)比(bi)例承(cheng)擔賠償責任(ren)。

（2）避免重(zhong)復(fu)投(tou)保(bao)(bao)(bao)。在一家保(bao)(bao)(bao)險(xian)(xian)公(gong)司購買車(che)險(xian)(xian)后，不要再到另外一家保(bao)(bao)(bao)險(xian)(xian)公(gong)司投(tou)保(bao)(bao)(bao)。《保(bao)(bao)(bao)險(xian)(xian)法》規定，重(zhong)復(fu)保(bao)(bao)(bao)險(xian)(xian)的(de)保(bao)(bao)(bao)險(xian)(xian)金額總和超過保(bao)(bao)(bao)險(xian)(xian)價值(zhi)的(de)，各(ge)保(bao)(bao)(bao)險(xian)(xian)人的(de)賠(pei)償(chang)金額總和不得(de)超過保(bao)(bao)(bao)險(xian)(xian)價值(zhi)。因此，即(ji)使投(tou)保(bao)(bao)(bao)人重(zhong)復(fu)投(tou)保(bao)(bao)(bao)，也不會(hui)得(de)到超價值(zhi)賠(pei)付。