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Data:2009-12-12 2:34
Vehicle insurance is divided into the basic insurance and additional insurance, the basic insurance is the loss of vehicle insurance and third party liability insurance, there are additional risks of their own: the entire vehicle Daoqiang Xian, broken glass, a separate insurance, self-ignition loss insurance, additional equipment, loss of insurance Loss of a body of additional insurance, insurance for loss of vehicles must be insured only after the insured these additional risks; vehicle liability insurance, no-fault liability insurance, vehicle liability insurance of goods falling third-party liability insurance is an additional risk, we must the first third-party liability insurance coverage only after these additional risks insured; insurance deductible, excluding special risk, must be the same time, the vehicle insured loss insurance and third party liability insurance.
Loss of the primary insurance vehicle insurance third party liability insurance add-Dao Qiangxian the entire vehicle, front and rear windshield burst alone insurance, spontaneous loss of insurance, the additional loss of equipment and cargo liability insurance carriers insurance, no-fault compensation insurance, customs duty-free vehicle liability insurance , others Malicious Damage, excluding special deductible insurance,
The basic insurance auto insurance in Shenzhen, including vehicles, loss of insurance, third party liability insurance, liability insurance the driver seat, passenger seat liability insurance, in which third-party liability insurance, liability insurance the driver seat, passenger seat liability insurance must be insured at the same time , while the loss of vehicle insurance must also be insured on the basis of these three types of insurance can be insured; Shenzhen, additional insurance, including auto insurance Dao Qiangxian the entire vehicle, front and rear windshield burst alone insurance, no-fault compensation insurance, self-ignition loss insurance , new equipment, loss of insurance, excluding Mian Peishuai special insurance, customs duty-free vehicles, liability insurance, carriage of cargo liability insurance, such insurance are the basic insurance coverage can only be based on the insured.
2, vehicle insurance loss insurance is liable for the loss of vehicles due to natural disasters and accidents caused by vehicles, their own losses. This is the most significant insurance auto insurance. Not spend much money, but it can be a great protection. In general, for imported cars, domestic cars, if the year is not too long, or motorists driving habits can not be technical or provide higher protection for the safety of vehicles, it is best able to buy insurance on this. That without this insurance, vehicle repairs after the collision had had to his own pocket.
3, third-party liability insurance for third party liability insurance indemnity insurance vehicle due to accident, resulting in a third party personal injury or property suffered a direct loss, the insurer in accordance with the provisions of the insurance contract compensation. The insurance cover is the most necessary. Fear most is the car crashes, and gave the driver, and his car is not affected by the loss, but also spent a lot of money to someone else repair, medical treatment. Insured for this insurance, to spend a 2000 money, you can get a higher protection. In order to safeguard the legitimate interests of the victims, the vast majority of local governments as a compulsory third party liability insurance, insurance, do not buy this insurance, cars can not get a license can not be annual.
4, the whole car Daoqiang Xian Dao Qiangxian the entire vehicle, the insurance is liable for vehicles due to theft, was robbed of all losses caused by vehicles, as well as during the car as a vehicle damaged or parts and components, ancillary equipment loss caused by loss. If you have a wallet was stolen after thieves'd rather die, the experience, you will understand that once your car was stolen, was robbed, in addition to your cause great economic losses, there will be extremely sad, in order to avoid such a situation, and recommendations to the placement of your car alarm (can reduce the risk of theft, but can not completely avoid theft), while it insured the entire vehicle Daoqiang Xian.
5, Paul a third party liability insurance, is not it also encompasses the protection of personnel against the vehicle?
Does not include, to the safety of personnel on board to be protected need to insure the vehicle liability insurance. The insurance is liable for accidents caused by vehicles, the vehicle the personal injury (including drivers and passengers), and the loss of the cargo.
6, no-fault liability insurance no-fault liability insurance refers to the motor vehicle and non-motorized vehicles, pedestrians, traffic accidents caused by other personal injury, property damage, although the vehicle no-fault insurance, but according to "Road Traffic Accidents approach" Article 44 provides that the insured person should continue to be borne 10% of the financial compensation. For more than 10% of the economic compensation elements, such as to rescue the injured insured person has paid such costs can not be recovered, the insurer is also within the limits of compensation in the insurance liability. Insurers bear 10% and 10% of the amount of liability and deductible increases, the maximum shall not exceed the compensation limit.
Carriage of cargo liability insurance of this additional insurance insured motor vehicles, due to collision, overturning, fire, explosion resulted in the vehicle suffered a direct loss of goods in accordance with law shall be borne by insurers to bear the burden of financial liability, the insurer in the insurance policy contained in the project the maximum compensation limit specified within the calculation of compensation.
8, broken glass, a separate risk terms in the Shenzhen area, there is no window glass, designed specifically for insurance, but only separately for front and rear windshield designed to separate the front and rear windshield burst risk. For the individual risk of breakage of glass, vehicles parked or used in the process, the other part is not broken, just broken windshield and windows of glass alone, the insurance company to pay compensation. For the high-end vehicles, it is necessary to buy the insurance for.
10, Loss of spontaneous combustion spontaneous combustion is responsible for the loss compensation insurance vehicle insurance for the vehicle electrical appliances, lines, fuel supply system failure and the reasons for its cargo on fire, resulting in loss of vehicle insurance; and because the vehicles on fire outside a fire, and does not belong to Spontaneous Loss of areas of responsibility.
11, in-car audio is a high loss of insurance coverage of vehicles do?
If the car is not a lorry, senior audio products, but also installed in the vehicle loss insurance is not within the scope of protection, but the additional loss of equipment and insurance to meet your insurance needs. The insurance is liable for an accident caused by the occurrence of insured vehicles, additional equipment on board a direct loss. When you own a vehicle fitted with refrigeration, plus oxygen equipment, clean fuel equipment, CD and TV video equipment, leather and electric seats, etc. are not carried by vehicles, factory equipment, consideration should be given additional equipment, loss of insurance coverage. Otherwise, these devices damaged due to accidents, even though the loss of insured vehicle insurance, insurance companies, it is not compensation.
12, excluding special deductible insurance, is not on the accident are not deductible in any insurance?
Excluding special insurance deductible only for loss of vehicle insurance and third party liability insurance within the scope of the loss, other additional insurance deductible requirements can not be canceled. According to provisions, under normal circumstances, these types of insurance within the scope of accident insurance and compensation for each calculation of performance according to the principles of responsible deductible, the owner shall be responsible for the accident bear a certain proportion of the size of the losses (known as deductible). However, if the insured, excluding special deductible insurance, insurance, accident occurred, the insurance deductible insurance companies are no longer original provisions of deductible, and according to the provisions of the actual loss calculated for payment. However, the terms of Shenzhen, each incident needs to deduct compensation of loss of deductibles 1,000 yuan.
13, if I had insured accident life insurance if you could not insure the car liability insurance?
Suppose you are the driver of a vehicle, for you personally in your life insurance coverage in case of accident, without going through the car liability insurance to obtain compensation, but once an accident, from a legal perspective, the same car with you relatives, friends, even if the insured accident can not be a corresponding reduction in life you should bear the liability, in other words: In your scene, you must pay compensation to persons killed or injured the same car (regardless of whether they are insured life). So, please be insured vehicle liability insurance.
Customs duty-free vehicle insurance vehicle liability insurance in China (Hong Kong, Macao and Taiwan, except different) theft or robbery, was robbed by law arising from payment of Customs duties should be financial responsibility, the company directly to the taxable shall paid to the Chinese Customs, the maximum amount paid does not exceed the amount of loss of vehicle risk insurance.
