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Data:2009-12-12 2:34
1, third party liability insurance
The only motor vehicle insurance insurance insurance must be specified.
A third party is insured and the insurance of all personnel and their vehicles outside the property, others and otherness.
The vehicle driver and all ride personnel are not part of a third party, but the driver got off, inter alia, can be regarded as a third party. A private vehicle of the insured person and their family members do not belong to a third party, the insurance vehicles on the property is insured and the driver of all or their hosting of the property, such property not belonging to third-party liability.
The insured amount can be determined through consultation can be divided into 5 million yuan, 100,000 yuan, 20 million yuan, 500,000 yuan, 100 million and 1 million yuan is not more than 10 million yuan more than a few grades.
2, Dao Qiangxian
Dao Qiangxian main protection is this: the insured vehicle is stolen or robbed, the local police criminal investigation department above the county level placed on file at least 60 days failed to identify the whereabouts of the loss of the entire vehicle, and vehicles were looted, robbed the process, need to repair damaged a reasonable charge.
Confined to the vehicle parts or accessory equipment has been stolen or damaged, does not belong to the scope of Daoqiang Xian's claims.
General for the loss of the entire vehicle, the insurance company within the calculation of the amount of insurance compensation, and implement 20% of the Mianpei Lv. The insured person if they can not provide a "motor vehicle license," "motor vehicle registration certificate," motor vehicle origin certificate, the vehicle acquisition tax clearance certificates (proof of vehicle purchase surcharge fee) or tax exemption certificate for each absence of an increase of 1% Mianpei Lv.
3, the family own car damage insurance
Families own cars specifically refers to passenger cars, is a non-Hong Kong, Macao and Taiwan traveling in China in the family car, but also a non-commercial vehicles, approved seat 9 below.
Insured when the prices are generally determined in three ways, one, in accordance with新车购置价to be confirmed; 2, when the insured to determine the real value of the insurance of vehicles; 3, insurance, vehicle新车购置价in consultation.
The insured should pay attention to in the insurance after the accident insurance company within 48 hours of notification.
4, the vehicle officers liability insurance
Drivers and car in an accident in the casualties, by the insurance compensation.
However, the personal injuries aboard violation of the insurance will not pay compensation. Board staff due to illness, childbirth, self-mutilation, violent fights, suicide, criminal acts or injuries caused by their own vehicles under the personal injuries suffered when the insurer is not responsible for compensation.
5, excluding deductible
Is divided into Mian Peishuai and is not counted, excluding the two deductibles. The former means a special agreement should be decided by the insured to bear the deductible, the insurance company to pay compensation. Mianpei Shuai, which refers to the calculation, it should be by be Insurers to bear part of the deductible, the insurance company to pay compensation.
6, ignition loss insurance
Vehicles, electrical appliances, lines, fuel supply system failure or because the goods in their own fire caused by the loss of vehicles, the insurance company will be responsible for compensation. But the spontaneous combustion caused only electrical appliances, lines, fuel supply system, the loss or loss of the cargo itself, Insurance companies do not lose.
7, body scratches loss insurance
In the three years of life within the following nine family cars, you can choose the insurance. The primary compensation no obvious traces of collision loss of body scratches. However, the insured person and their family members, drivers and their family members, an intentional act losses, the insurance company is not responsible for compensation, insurance, usually limited to the amount of less than 5,000 yuan.
