How should the insured car Insurance Tips

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

30-year-old Wang, driving experience for two years, own a one year of the Jetta car,新车购置�0,000 yuan, with airbags, the car usually parked in the open air parking spaces, often driving trips. So how should the insured vehicle insurance does Mr. Wang? An interview with the Chinese insurance auto insurance specialists.

Expert analysis: Because Mr. Zhang's car belongs to the family for personal use, in the event of loss borne by the family, but Mr. Zhang younger, more willing to assume the economic risk of driving experience is not long, it is proposed to preserve Hoashi.

First of all, third-party liability insurance is driving Mr Cheung, a must on the insurance Jetta. Beijing areas are typically a third party involved in the accident are physical disability need 10 million yuan of compensation, it is proposed the three insured 100000-200000 yuan, 100 thousand and 20 million in premium or less, if the economy permits, can choose to limit of 200,000 yuan basically able to meet the security needs.

Second, the loss of insurance for the family for personal use of vehicles, the proposed insured in accordance with新车购置�0,000 yuan, so that claims can be paid in full when received.

Third, the risk of breakage of glass separately. In the Chinese families own automobile insurance loss insurance has been included in this responsibility, do not have a separate insurance for this insurance.

Fourth, the spontaneous combustion risk and Daoqiang Xian. Families own cars in the People's Insurance Loss contain spontaneous combustion risk, so do not separately insured to the insurance. And because there is no fixed Mr. Zhang car garage, most of the time parked in the open air parking spaces, no special security settings, coupled with the Beijing area high incidence of vehicle looted and therefore recommends that all insured vehicles Daoqiang Xian.

In addition, three insurance insurance, liability insurance and Che Sunxian board staff, excluding the special deductible insurance, and thus to obtain full payment, the loss of that part of Mian Peishuai transferred by the insurance company. Mr. Zhang's car occasionally carry a friend or colleague, requiring the insured vehicle officers liability insurance in order to obtain the protection of persons on board.

Finally, Mr. Zhang also for their own car with a body scratches insurance, Mr. Zhang's car just one year, condition newer, but also parked in the open place, so there are a higher risk of collision scratch, so , the proposed risk insurance body scratches.