|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
To buy auto insurance to get money, we must first understand the various types of insurance, I discovered that their own cars need to buy anything, do not need to buy anything, Sinorama to make a brief analysis of insurance.
1. Loss of vehicles - the primary insurance
Loss of vehicles is subject to insurance, liability insurance, vehicle within the scope of natural disasters (excluding earthquakes) or accidents, resulting in loss of insurance, the vehicle itself, insurance, insurance contract pursuant to the provisions of compensation. This is just the opposite is the third-party fend for themselves, if you care to buy their own cars.
2. Third-party liability insurance - the primary insurance
Is a mandatory insurance, vehicle required annual review. Means of qualified pilots in the use of the insured vehicle during an accident caused by a third party direct loss of property and personnel injuries. At the current payment standards, recommended a minimum purchase of 10 million, the best to buy 200 thousand or 50 million, especially the novice or a favorite Speed friends and work pressure and difficult to focus on the spirit of a friend, and also because 50000, 10 million, 200,000 of the price or less, in short, the insurance to buy himself a big peace of mind.
3. Daoqiang Xian - Additional insurance
If your car has been in the course of the more reliable and secure parking in the park, the road to work is also not particularly quiet section, we can consider not protect Daoqiang Xian, but if your car are very common , loss rate is relatively high vehicle, it must be Paul Daoqiang Xian.
4. The car seat Liability Insurance - Additional insurance
Board officers liability insurance is not recommended to buy. Recommended that a separate consideration of life insurance products, coverage and insurance costs are generally lower and better. If your car always have friends to sit, you can also consider buying a little, but do not buy too much to protect the lines in the 10000 -2 yuan / seat is enough.
5. Separate pieces of glass insurance - additional insurance
Refers to the use of the vehicles occurred during the breaking of glass alone, pay attention to "separate" the word, but the case of other incidents caused by, Che Sunxian there lose, so in the case of Chinese-made car, the glass is not expensive, want to save money from time to buy.
6. Spontaneous combustion insurance - additional risk
Vehicles in the process, because this car appliances, lines, fuel system failure and the spontaneous combustion of the reasons for carrying cargo on fire, causing loss and rescue vehicles, pay a reasonable charge. Is not recommended to buy a new car, more than three years of the car proposed to consider.
7. Scratches insurance - additional insurance
The use of the process, by others Ð classified (no obvious traces of collision) in need of restoration costs, general car, novice to buy.
8. Excluding Mianpei Lv - Additional insurance
Loss of vehicles or vehicles which occurred on third-party liability insurance, accident insurance compensation, right shall be borne by the insured deductible amount (20%), the insurance company will lose.
9. Excluding deductible - additional risks
Loss of vehicles or vehicles which occurred on third-party liability insurance, accident insurance compensation for the insured person shall be borne by the amount of deductible (500 million), the insurance company will lose.
Excluding Mianpei Shuai / amount of insurance is almost a must protect a good insurance, the proposed addition. Especially the novice, plus there would be useless, especially when you encounter a major accident damage, this insurance can greatly reduce your losses.
Insurance proposal
A single buy a third party 50000. The most province, but the proposed purchase of 10 million or 200 thousand
Second, third-party damage + 100,000 + cars, excluding Mianpei Shuai / amount of money (which costs us less secure on themselves and others)
3, third parties 100,000 + cars + damaged + raiding excluding Mianpei Shuai / amount of + glass + scratch + Seats
4, all third parties to buy and more than 200,000 (proposed economic good buy, especially luxury vehicles)
The final important issue is the purchase price, which is the basic calculation of the premium, the premium price of the car high and low number of decisions, we do not think you bid high, they will lose more, in fact, been reported purchase price regardless of how many, are according to the present the Car purchase price of the standard acquisition of compensation by year depreciation, so the reported high white pay more premiums will be lower reported inadequate compensation, it is very important.
