Qiao to buy the best auto insurance portfolio Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Each new owner of a car after they missed to buy auto insurance, auto insurance terms, however, so much more criticized for spending too clearly uneconomical, but the insurance will not powerless in full if an accident were compensable, so this is also a great inside tips. In particular, there appears to unfamiliar precisely the insurance will be a special time for car owners put up an umbrella reporter based on professional recommendations of a disability of some neglected but are slowly beginning to highlight the role of the insurance, it is worth you pay attention to it.

Many people have been a wide variety of auto insurance products Gaode dazzled. In fact, the car insurance by type of basic insurance and additional insurance is divided into two broad categories. Basic insurance including third party liability insurance and vehicle damage insurance; there are nine kinds of additional risks, including the entire vehicle Daoqiang Xian, car liability insurance, no-fault liability insurance, vehicle liability insurance of goods falling, broken glass, a separate insurance, vehicle suspended loss of insurance, self-ignition loss insurance, additional insurance for loss of equipment, taking into account deductible special insurance.

Basic insurance Che Sunxian the insured person or his permitted qualified drivers of vehicles using the insurance process, due to collisions, explosions, lightning strikes or other causes outside the body of the collapse of insurance, the loss of vehicles, the insurer shall be responsible for compensation. (2003 edition of the People's Insurance Terms of households own auto insurance losses have been included separate broken glass insurance, self-ignition loss insurance)
Reminded Che Sunxian sum insured is generally determined based新车购置�the new car the best option is full insurance, accident insurance, after suffering losses, regardless of total loss and partial loss of access to full compensation. Such as the insurance amount less than the新车购置价only by the ratio of the insurance amount新车购置价payment, such as insurance amount exceeds新车购置价excess part of the void, only to spend money wasted.
Third-party liability of the insured person or his qualified drivers to allow the use of insurance vehicles during traffic accidents, resulting in a third party personal injury or property subject to the direct damage, according to the insured person should pay compensation, insurance were in accordance with "approach to road traffic accidents" and the insurance provisions of the contract compensation.
Reminds Jusun Xian and third party liability insurance as two basic insurance, third party liability insurance is mandatory insurance. General third-party accidents involving physical disability requires 10 million yuan in compensation, insurance 100,000 yuan, 200,000 yuan to meet security needs. In Che Sunxian and third party liability insurance, insurance companies usually only compensation for actual loss of 80% to 95%. If you want to really get 100% of the payment, insured's basic insurance, but also the insured, excluding special insurance deductible.
Additional risks In addition to the basic insurance of motor vehicles, there are additional risks of choices for consumers, for example, the entire vehicle Daoqiang Xian, board officers liability insurance, additional equipment, loss of insurance, loss of malicious acts of others, traffic accident compensation for moral damage. There are also drop-board cargo liability insurance, vehicle insurance suspended losses, natural loss of insurance, additional equipment, loss of insurance, excluding special deductible insurance. Shanghai big insurance companies, insurance vary.

There is a reasonable insurance tips
Here are two examples: If you buy a 12 million from the FAW Jetta cars, buy full insurance premiums to be paid 5,500 yuan. These include: Che Sunxian 1,700 yuan, 900 yuan in third-party liability insurance, 500 yuan, excluding special deductible insurance, the entire vehicle Daoqiang Xian 1,200 yuan, 180 yuan of vehicles broken glass, insurance and 500 yuan a natural loss of insurance.
If you buy one of about 290,000 yuan Shanghai Volkswagen Passat automatic transmission cars, the premium required to pay the total amount of 11,000 yuan. Loss of vehicles, including 4,000 yuan (sum insured is 290,000 yuan), third-party liability insurance 900 yuan (insured sum is 50 thousand yuan), 1,000 yuan, excluding special insurance deductible, 2900 dollars the entire vehicle Daoqiang Xian (the insured amount 29 million), 400 yuan of vehicles broken glass, insurance, 1,100 yuan a natural loss of insurance.
Above-mentioned program owners are required to pay the premium for one year maximum, the car owner according to their circumstances, have a choice to determine insurance coverage, in addition to the basic insurance in the third-party liability insurance for the state to enforce the provisions of the insurance, the other can be autonomous choice, this would effectively reduce the cost of insurance expenditures. Consulting to the insurance salesman, you have the right to know under what circumstances can get insurance, insurance companies are entitled to know the implementation of auto insurance fees, you can, within the scope of the insurance provisions, self-identified car insurance deadline insurance amount and compensation limits, but also the right to salesman about the event of an accident, you can get the basic compensation from insurance companies and the highest amount of compensation.
Because auto insurance rates are fixed, and therefore the number of payment depends on the amount of automobile insurance, the level of their own. A wise choice is full insurance, that is, the number of the insurance value of the vehicle number. It was to save Egypt and insurance fee rather than a full insurance, such as 20 million 100 thousand yuan car insurance only in case of accidents caused by vehicle damage, it can not be paid in full.
And non-insured in full the contrary, some people clearly in the hands is an old car to assess the value of just 5 million, is that it is over-insured, the amount 180 thousand yuan, thought he could spend more money in the vehicle after the accident was high the amount of compensation. In fact, the insurance company only by the actual loss when the vehicle Chuxian determine the amount paid. In addition, if you have an insurance company full coverage, even if you re-insurance in another insurer, it is impossible to get double the amount of compensation.

Highlights the role of unfamiliar car insurance auto insurance, according to the Ministry of Taibao a figure, people in Shanghai are mostly concentrated in the Che Sunxian insurance auto insurance, third party liability insurance deductible, excluding special provisions, as well as Daoqiang Xian, on the other's insurance, the people of Shanghai very little choice, only a low percentage of insured single digits.
With the implementation of the new auto insurance regulations, individual insurers timely introduction of many new safeguards, and its role is not for the public to understand. We should know that the risk is often inadvertently appear, and some seemingly unfamiliar precisely the insurance will be a special time for car owners put up an umbrella.
Reporter cited several long been neglected but we are slowly beginning to highlight the practical effect of the insurance.

Spontaneous loss of insurance liability coverage of this insurance, the use of vehicles in the process, because this car appliances, lines, fuel system failure and the carriage of goods, their own reasons on fire, resulting in loss of vehicle insurance, as well as the insured in the event of an accident this insurance When, in order to reduce the losses incurred by insurance, vehicle rescue may be reasonably necessary expenses from the insurance company to pay compensation.
Quasi-one-year rate of 0.4%, to discount.
To remind one. Many people think that spontaneous combustion caused by hot weather, in fact, self-ignition and high temperature there is no direct link, the car engine while working at the temperatures up to 100 degrees and outside temperatures apparently has nothing to do with spontaneous combustion engines, it is learned, and even When the temperature below zero, spontaneous combustion can occur. Self-ignition and dry weather may be some relationship, and more lies because their own car maintenance, design, quality issues, used cars, particularly spontaneous combustion occurs. Once the self-ignition, the vehicle a very high probability of total loss, and even repair values are not available, so it needs to be timely vehicle insurance claims.
2. Although the Chesun Xian also has payment terms of fire, but it refers to the external fire source, except for spontaneous combustion is a responsibility that must be purchased separately. There are chances of individual customers until after the car ignition to a false certificate to potentially fraudulent. But the insurance company will ask the Fire Department certificate from potentially fraudulent potentially fraudulent are not clear. So, do not keep under false pretenses of the left to chance.
Officers liability insurance for drivers and vehicle
Insurance liability insurance vehicle accidents, resulting in vehicles, vehicle insurance, workers suffered personal injuries, according to the insured person shall bear the financial responsibility, insurance companies required to give compensation.
0.7% in the benchmark rate for one year the driver, the vehicle 0.4%, other personnel may be benefits, if agreed, then staff may be even lower discounts.
To remind the past, accident medical insurance for all medical expenses are under the package, and now the new Medicare provisions can not be fully resolved due to an accident caused by medical expenses, with worry-free business auto insurance can be protected. Important to note is that for the car accident personnel losses, are operating vehicles, a vehicle for compensation; belonging to the private car, car owners do not merit compensation.
Glass Breakage insurance liability insured vehicles in the use of the process, place broken glass alone, insurance companies, according to the actual damages. Policyholders and insurance companies on the basis of consultations, voluntary, or made in accordance with imports windshield windshield choice of the insured.
Benchmark rate of domestic vehicles (6 under) 0.15%, imports of vehicles (6 under) 0.25%.
Special mention should be noted that the driver was driving on the highway the risk of flying glass, crushed stone, as well as parking in the district, there may be other people break something glass. Is no collision, no one capacity to make mischief, the glass itself broken, and insurance companies lose. Of course, the insured's own intentional behavior except for the. This insurance is more suitable to open the regular highway, or frequent places where the population density of vehicles to the car.
Other malicious acts insurance liability insurance vehicle insured losses due to malicious acts of others caused by man-made scratches insurance vehicle body, side mirror and the lamp alone damage, insurance companies, according to the actual damages.
The benchmark rate by 0.2% a year, will be exempted, the lowest 200 yuan from Paul.
To remind vehicle parking in the district where were classified, and kicked, and this risk is in fact not small. But having said that, insurance companies, insurance policy holders in this very strict control, to see old cars in general not be secure, because in this insurance, insurance companies have been adverse selection moral hazard, in case someone had deliberately damaged vehicles to potentially fraudulent, the company may on the deficit larger.