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Data:2009-12-12 2:34
To buy private cars nowadays more and more people go to work every day to be stuffed half a day, between people, between the cars and trucks are filled with things that inevitably occur finally in sight. Car can be like a bike, slightly hung-point color is necessary to a lot of money, repair a car varies from a few hundred to as many as tens of thousands. In addition, and most importantly, with the introduction of the new traffic laws, more stringent restrictions on motor vehicles, particularly in the third-party liability, the careless, it is possible whereabouts of law-abiding was bankrupt, so car insurance The importance at this time is even more obvious, it is recommended to buy a car who care about what people must first buy a car after the insurance.
Some of the insured motor vehicle insurance for the lack of need to know that as long as the purchase of a motor vehicle insurance will be end of the story, out of an accident the insurance companies lose, the more insurance, indemnity was also more. Some policy holders also believe that their driving technique is very good, the insured motor vehicle insurance for several years, no accidents occurred in an accident, the insurance money to be had white flowers. As a result, this part of the insurer to the renewal, the minds of the wavering, and some simply will no longer be renewed. Everything hangs in the balance, just off Paul Soon, traffic accidents occurred, and is too late. So no need to buy auto insurance, but can not you do not vote. Here are some insurance on the small tips.
First, the choice of insurance company
For car owners, do not worry can not find the insurance companies, from the car when you have already become popular targets for various types of insurance, a phone in the past someone immediately on-site service.
The industry suggests that we: Although there are car dealers the convenience of insurance agents, but the average owner is best look at the car insurance if they are insurance agents eligible for the supervisor. Insurance, after all, different from ordinary commodities, but highly professional contract involves a fixed future loss, claims and so on. Many provisions of the insured person but also in Chuxian even after the payment can only be determined depending on the circumstances, ordinary car owners will naturally be more difficult to grasp. So, when buying insurance, vehicle owners must have cars and their own relatives and friends to find out more, choose the regular insurance companies and insurance supervision agents are qualified to buy vehicle insurance.
Second, note that the choice of insurance types
Handling procedures needed to carry travel insurance card, car invoices, unit seal or owner of her identity. Then remains is the choice of insurance types, and some depending on your needs and the election, and some insurance and some tips for you to choose.
1. Loss of vehicles is that there must on the
Whether a new car or already opened a two-year old car, the vehicle loss of insurance is must be on. Even if you have a good driving skills, and the line is good, has always been a time when fewer cars to work, but the saying goes, "do not fear 10000 afraid in case." Paul touched the rhythm that day, scraping, and to the repair shop a little Dodo is a lot of money, investment and insurance do not have to feel worried. Of course, if they have close friend who specializes in the repair industry, and you do not spend money on the case, you can not insure this.
2. Third-party liability insurance limits of liability selected
Third-party liability insurance limits for a total of several different grades, different grades of compensation limits differ greatly, but the corresponding gap between the premium is not significant. It is proposed that, if the demand between the two tranches of the insured amount, you can go up a notch insurance.
Full responsibility that the new motor vehicle traffic law, without a driver is not a headache, have been far too pedestrian compliance, which is nothing to fear the next, and the Second Ring of people hit the main road cycling you look, you are also very difficult to bear Therefore, third-party liability insurance must be cast, preferably cast some of the compensation limit for large.
3. Insured vehicle liability insurance for small tricks
If you often have the family car ride, and you and your family have been insured in the accident life insurance and accident insurance, medical insurance, then as a private car, insurance vehicle liability insurance is not necessary, because the accidental injury and accident medical insurance, the scope of protection provided by liability insurance covering the vehicle in such circumstances can provide protection. In addition, if the situation did not meet the above conditions, accidents and accident insurance health insurance, it is recommended best choice of the insured accident insurance, because premiums paid far less than the required vehicle liability insurance, but also to protect the accident occurred outside the other accidents on your loss.
If you frequently travel on a different board staff, best car insurance liability insurance, so if there are traffic accidents can also be used to meet the medical expenses when the accident occurred. When the number of seats in the choice of the insured, the proposed insured in accordance with approved seat, if the insured in accordance with approved seat, the rate is 0.5%; if you do not insured in accordance with approved seat, the rate is 0.9%. For example: Jetta authorized number of 5 seats, 10,000 yuan per person insured. Paul 5, the premium 250 yuan; insurance a premium 90; but Paul 3, the premium 270 yuan. Obviously, Paul 3 on a cost-effective than Paul 5.
4. Glass insurance coverage
If your car is imported and domestically assembled, glass insurance insurance option could also be considered when the domestic glass. As the domestic auto glass, inexpensive high-quality, fully comparable and abroad, so that would save half of the premium. Another task is to remind you that the glass in the insured risk, when attention is imported or domestically produced glass, glass-risk insurance. Some owners Henai Xi's own car is like the original, but the insured did not pay attention in the risk of glass types, the results for the glass will be known when the insured is made of glass insurance, then the insurance company for payment of the also can only be made glass.
5. The best insurance, excluding special insurance deductible
Is recommended that you insure Excluding special insurance deductible. Because Che Sunxian and third party liability insurance, insurance companies are in accordance with your responsibilities in the incident, only compensation for the loss of 80% of your actual -95% of the agreement, which may enable you to receive compensation in the future, resulting in practical relatively large losses. According to statistics, when Chuxian owners who use the most is that Che Sunxian insurance and third party liability insurance, through the insurance deductible, excluding special insurance, insurance on these two to get you should bear the loss of 100% compensation.
