Automobilepurchasingautoinsurance购买汽车和汽车保险.ppt

Automobilepurchasing购买前，可上网参考新车的性能和价格,Beforeyoubuyyourdreamcar,checkouttheservicedepartment:seeiftheirscheduledhoursmatchyours;ifthereisaloanerprogram;howmanymastertechniciansdotheyhaveintheirshop调查一下他们的售后服务部门：看看他们的时间表是否能配合客户，是否有贷款业务，有多少熟练技师。After-salesservicedepartmentA-SD售后服务部,Shoparoundbycomparingmodelsinadsandatdealershowrooms(展示厅）/testdrive试驾，试车4SstoreSalevehiclesales整车销售Sparepartsparepartssupply零部件供应Serviceafter-salesservice售后服务Surveyinformationfeedback信息反馈,Whilepurchasing,plantonegotiateonprice:dealersmaybewillingtobargainintheirprofitmargin,often10%and20%.购买时，有计划地还价，经销商会愿意在他们的利润幅度内让利签约，通常是10%到20%之间。厂商建议零售价vs发票价格ManufacturerssuggestedretailpriceVStheinvoiceprice,Considerorderinganewcarifyoudontseewhatonthedealerslot.(ordervehicleVSstockvehicle)汽车订购Ifyoucan,waittilltheendofyeartomakeyourpurchase.（lowerprice),Afterpurchasing,theinsurancemustbehandledbeforegettingthelicenseplate（牌照）.Thenewcarmusthandle:Thirdpartyliability(compensatefortheothersidesrepaircharge,medicalfeeandpropertyfinancialloss),Newwordstheinsured(被保险人/投保人）:thepersonorgrouptheinsurancepolicyisissued.指根据保险合同,其财产利益或人身受保险合同保障，在保险事故发生后，享有保险金请求权的人。,Policyholder（投保人）：aninsuredperson;theclientinwhosenameaninsurancepolicyiswritten。根据我国保险法规定，投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人,Claimsadjusters（理赔人）：investigateinsuranceclaimsbyinterviewingtheclaimant（索赔人）andwitnesses,consultingpoliceandhospitalrecords,andinspectingpropertydamagetodeterminetheextentofthecompanysliability保险理赔员在接到查勘定损通知后，组织客户及有关人员，现场调查取证，核定保险事故的损失；接见客户，检查确定财产权利的有效性，查找警察和医院记录，确定责任；调查取证，收集、整理并审核查勘定损资料等工作。,被保险人就是被保障风险的人。被保险人和受益人区分开就是比如某某去世了，某就可以拿到保险金，某某就是被保险人，而某就是受益人。投保人就是买保险的，手上有合同和保单的人。保险理赔是保险人在保险标的发生风险事故后，对被保险人提出的索赔请求进行处理的行为。,Whatisautoinsurance？,Autoinsurance（vehicleinsurance)isinsurancepurchasedforcars,trucks,andothervehicles.Itisacontractbetweenyouandyourinsurer(承保人，保险公司）,specifyingeachpartysrightsandobligations.Essentially,yourinsurerpromisestoprovidespecificcoverageforyou.Inreturn,youpayapremium（保险费）.,Itsprimaryuseistoprovideprotectionagainstphysicaldamageand/orbodilyinjury（财产损失或人身伤害）incaseofanaccident.(avoidlawsuitsorimmenserepairbills).,汽车保险是以保险汽车的损失，或者以保险汽车的所有人，或者驾驶员因驾驶保险汽车发生交通事故所负的责任为保险标的的保险特点：1）它是一种合同行为。2）它是一种权利义务行为。3）它是一种以合同约定的、以保险事故发生为条件的损失补偿或保险金给付的保险行为。,Whatdoyouneedtoknow?1.CompulsoryInsurance（交强险）第三者责任险是针对投保人使用保险车辆致使第三者遭受人身伤亡或财产损失。,Advice,1、Takealookatthestatusofautoinsurancecompanies2、Studytheautoinsurancepoliciestocomparetheirratesbeforeselectingaparticularoffer3、Readthesmallprintonyourpolicy.,Tips,1、Therearenumerouswebsitesofferinginstantautoinsurancequotecomparisonservices（汽车保险