How to determine the insurance amount of freight insurance?

　　Cargo transportation insurance of the insurance amount with constant value, actual value by both the parties to a contract of insurance goods agreed beforehand, as a basis of insurance amount stated in the policy, make sure the value is usually use the following two criteria:

　　(1) the destination cost. Destination cost refers to the goods purchase price (including shipping fare or DiaoBoJia) plus delivery to the destination of all freight, packing, insurance, taxes and other fee.

　　(2) the destination market. So-called destination market sales price refers to the arrival of the goods at the destination, which is the destination of the actual costs plus the legal profits

　　How to deal with after be or get out of danger?
　
　　Be or get out of danger, it is to point to in the policy effective period, the insurance contract within the scope of insurance liability of the happening of insurance accident.

Should be: after be or get out of danger

　　一, check risk (especially property insurance) at the time of the accident

　　The insured shall have the duty to rescue them, "insurance law" regulation: "the insurance accident happens, insurant is responsible to take the necessary measures to prevent or reduce the loss."

　　If you do not fulfill the obligation, insurance company can claim rejection.

　　二, protect the scene

　　After insurance accident happens, without the consent of the underwriter survey, nuclear damage or before, the insured or beneficiary shall have the duty to protect the scene of the accident, waiting for the underwriter to check to verify the cause of the accident and loss status.

　　三, to report

　　"Insurance law" regulation for the insured shall have the duty to inform the insurance accident. After check insurance, policy-holder, insurant or beneficiary beneficiary should immediately inform an underwriter, to the insurer in time to send to the scene investigation, inspection, and take rescue measures to avoid losses continue to expand.

　　Accident report shall generally be made in written form, also can be verbal or telephone notice first, and then fill in written notice. Be or get out of danger notice generally includes the content of the insured's name, address, insurance policy number, date of be or get out of danger, accident cause, damage to property or damage to personal sites, the amount of damage to property, etc.

　　四, lodge a claim against you

　　1. Request a claim

　　In addition, according to the provisions of the insurance contract, designated by the insured's beneficiaries shall enjoy the right, the insured has sole resulting therefrom. If the fulfilled all the obligations of the insured, will be allowed on the policy requires the insurer within the permitted scope of compensation for the loss caused by insurance accident and the payment of the insurance benefits.

　　2. Accept the inspection from the insurer

　　The insurer has operated, investigation to verify the cause of the accident and loss status. And the insured shall have the obligation to accept inspection, entrusted by the insurer or its other personnel (such as insurance agent inspection, the inspection authority), and provide convenient conditions for the inspection, to ensure that the insurer timely, accurately find out the cause of the accident, confirm the amount of damage and loss, etc.

　　3. Provide the claim documents

　　Alleged claim documents which is able to prove that the cause of the accident loss, nature and amount of the file. "Insurance law" provisions of the insured shall have the duty to provide the claim documents and proof materials.

　　4. The insurance indemnity or insurance money

　　Insurant or beneficiary beneficiary to receive the insurance indemnity or insurance money, which it claims the policy may continue to be valid, this depends on specific situation to deal with

　　How to choose the right insurance coverage with the least amount of money?

　　Make an application for their own goods, want to consider how to choose to conform to the actual needs of risks, save unnecessary expenditure insurance premium, and can get enough financial security. When choosing insurance risks, therefore, should consider the following elements:

　　1, the types, properties and characteristics of goods;

　　2, the packing of the goods;

　　3, the mode of transportation of goods, routes, ports, and loss of cargo, etc.;

　　4, the destination of goods market price change trend. Specific can consult different insurance of the goods must be insured

　　What is not full specified amount insurance? What are the consequences?

　　Not full specified amount insurance refers to insurance contract the insured amount is lower than the insured value. Ordinary santana, for example, a value of 120000 yuan, if determine insurance amount according to 80000 yuan, belong to not fully insured. The consequences of not full specified amount insurance is: after the insurance accident occurs, the insurance company according to insurance amount and insurance value proportion shall bear the liability for compensation, is the proportion of compensation

　　What is a double insurance? If you can get more compensation?

　　In car insurance, double insurance refers to the same risk for the same car, respectively to two or more insurance companies insurance car insurance.

　　Double insurance can only get a compensation. Article 40 of the "insurance law" regulation: double insurance, the insurance company of the sum of compensation shall not exceed the insured value. So don't cover more than the same car for the same car insurance. Otherwise, there are part of the premium is white, is can not get any compensation

　　When protecting should understand what are the problems?

　　Insurance consulting, investigation, comprehensive analysis mainly to do before work, according to own actual situation to choose the appropriate coverage, at least to understand the following questions:

　　To insure the situation of insurance company;

　　The sales of insurance products

　　Insurance products, insurance conditions

　　The insurance liability

　　Insurance time limit

　　Insurance premium and insurance amount
　
　　Exclusions, etc.