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Showing posts from February, 2018

How to buy auto insurance?

Network about the car to obtain the Huizhou municipal public security department issued by the motor vehicle license and driving license; Displacement of not less than 1. 8l or 1. 4t; Front and rear wheelbase is not less than 2700 mm; Motor vehicle sales invoice amount of not less than 150 thousand yuan ... Just after the national day holiday this year, following the footsteps of the first-tier cities such as north Shanghai, Guangzhou and Shenzhen, Huizhou has also announced its own detailed rules for the implementation of network car management, open to the public for comments。 The appearance of new regulations for multi-network car, including Huizhou, has aroused the attention of the society to the development trend of this emerging industry. among them, the issue of network car insurance, which has attracted much attention, has also surfaced: even if the network car is legal, if the network car accident occurs, will the insurance company compensate? And how to compensate? Loc

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According to the analysis of nearly ten thousand car owners, there are four kinds of car insurance scheme is the most common, owners might as well do the same:     1 comprehensive type    Compulsory traffic insurance + commercial three liability insurance ( 1 million yuan ) + car damage insurance + car personnel liability insurance + night rescue + glass broken risk alone + excluding special free compensation + body scratch loss insurance。    About 20 % of owners choose this type of combination。 Suitable for novice new car owners and owners in need of comprehensive protection。  2 conventional type    Compulsory traffic insurance + commercial three liability insurance ( 500 thousand yuan ) + car damage insurance + car personnel liability insurance + illegal rescue + excluding special compensation。    About 60 per cent of vehicle owners chose such a combination。 Suitable for vehicles parked in parking places with long-term fixed personnel guards, and als

How to buy a used car insurance?

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    With the explosion of the second-hand car market, many owners are also keen to buy second-hand cars。 In fact second-hand car is also need to buy auto insurance, difficult to second-hand car auto insurance how to buy?    Small learned that 100,000 yuan of car, even if reduced to 50,000, car damage insurance is calculated on the base price of 100,000 yuan, even if the value of significantly reduced, but second-hand car damage insurance is still in the purchase price of a new car for insurance and claims。 In theory, owners can get higher claims when out of danger, but in practice, most second-hand car owners for some small brush touch is ignored don't remember。 If the owner to buy a second-hand car is one of the purposes of saving use costs, then the owner can basically do not consider the car damage insurance, similarly, similar to scratch insurance, glass insurance and other insurance, for second-hand car is also of little significance。    Illegal rescue is th

How to buy a car insurance cost-effective spend at least money to avoid the biggest risk

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    Generally speaking, car insurance is composed of several small insurance, how to combine the most suitable for their own insurance is a university asked。 Today small Beijing used car ( http: / / bj. Cn2che. Com / ) will give you organize the car insurance how to buy cost - effective, like what 4 s shop recommended seat insurance, glass insurance, theft and rescue, scratch insurance can be exempted from, and the third party liability insurance coverage increased significantly。     How to buy cost-effective car insurance no1, transfer of uncertain risk    The intention of buying auto insurance is to transfer the greatest uncertainty risk with the smallest cost, and it is meaningless to spend money to buy some of the risks。 For example, some of the non-compensable compensation is hundreds of dollars, and some small friction accident, if you want to go to claim, then the next year the insurance company will increase the premium, calculate the loss outweighs the ga

How to buy a car for self-insurance is the right thing to do

   A lot of people misunderstand, thought bought the car damage insurance, auto spontaneous combustion, can get insurance company claims。 Some people buy auto insurance, insurance salesman said can do full insurance for the car, can also provide relevant benefits, and when the car spontaneous combustion, find insurance company claims, but claims。   " There is no so-called full insurance, the main insurance and additional insurance together, a total of dozens of varieties of auto insurance, buy all the auto insurance is not necessary。" Said Mr Lin, an insurance company。 In fact, the salesman is selling to the owner of the so-called" all risks" , there is no self-combustion insurance。    What is the premium for self-insurance and the market price of the car and the age of the car。 It is understood that the current Fuzhou insurance market of self-insurance premiums in dozens of yuan to 200 yuan。    In addition, how much premium is related to the

How to avoid the waste of insurance products by buying full insurance and incomplete automobile insurance

    □ case review of ping an telephone auto insurance Wang Wenbin    Every time the car insurance expires, the owner Mr Wang is very headache。 In the face of many commercial insurance, Mr Wang don't know how to choose。 Due to the busy work, Mr Wang auto insurance renewal is directly through the salesman's recommendation。 Often in most cases, although buy all the insurance, but in the end a lot of insurance, Mr Wang has never used。    Nowadays, such as Mr Wang " insurance waste" phenomenon, in many of the car owners do not know about insurance often happen。 Therefore, only the owner of the insurance company to do a thorough understanding of the various types of insurance, in order to make reasonable insurance to buy and match according to their own situation。    Some comments:    Before the owners buy auto insurance, they need to have a clear understanding of the role of each type of insurance。 The principle

How to avoid high insurance and low compensation when buying auto insurance?

With the rapid development of China's automobile industry, automobile insurance complaints and disputes have become the focus of public concern。 In auto insurance claims, the owner of the insurance company " overlord terms" dissatisfaction voice is more and more strong, according to  New car  The price of insurance can only be based on the current car price claims, this kind of " high investment and low compensation" phenomenon, is the auto insurance industry has a long history "  Hidden rules  " the。 Following the exposure of the phenomenon of " no liability and no compensation" in the auto insurance contract, the hidden rules of " high insurance and low compensation" are also being questioned by all parties。 ■ experts  Answering question 1... How to calculate the actual value of the vehicle? The insurance company of the actual value of the vehicle accounting is mainly according to the purchase p

How on earth should I buy car insurance? It is said that 90 % of car owners don't know

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How to buy car insurance? This is one of the most frequently asked questions by fans of " after having a car", which shows that many people still have a little bit of scrutiny about buying auto insurance。 Subject to the length of the background reply, brick uncle can only simple reply every time。 Today, let's talk about this in detail with the owner's vital interests related topics, first to listen to the advice of the unreliable little editor。 @ Mao Shiba: Cut! Insurance companies are in order to earn money, buy insurance must be lost, if not mandatory, I don't even want to buy compulsory insurance! Drive carefully is, which have so bad luck! @ 20 % discount brother: Words can't say so, the so-called " accident", is " unexpected", the weather is unpredictable, people have a fate! Insurance or buy all good, otherwise had an accident cry all cry not to come out! You see me, can buy all the risks, rest easy! @ be

How do you know the car personnel liability insurance is necessary to buy?

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  [ editor's note ]in recent years, the country's vicious traffic accidents occur frequently, not only bring serious economic losses also caused very serious casualties。 However, the vast majority of insurance coverage in auto insurance is to protect the vehicle itself and a third party, and can protect the driver's car personnel insurance only the car personnel liability insurance。 So, what is the car personnel liability insurance? Is car personnel liability insurance necessary to buy?       Is car personnel liability insurance necessary to buy?    Many drivers have a feeling that if you buy accident insurance, out of the traffic accident insurance company will make compensation, although the car personnel liability insurance is not expensive, also feel that doesn't seem to be necessary。 In this regard, the insurance house _ Warburg network experts believe that there is no need to insure the car personnel liability insurance mainly depends on tw

How do rolls - royce buy insurance for a limousine when it collides with a bird?

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   Rolls - royce collided with the bird, the bird died on the spot, " golden statuette" was knocked off。 At about 8 a.m on January 31, the rolls - royce from downtown to Ryan groom's house for a new car dress, just as the vehicle ready to high speed, the result hit a flying bird。 Unfortunately, the end result turns out to be the bird and the golden statuette both died! The bird died and the golden statuette was knocked off。 It is reported that the rolls - royce is gusteau model, worth more than 5 million yuan, lease half a day's price is 5000 yuan。        In recent years, with the improvement of people's living standards, groups with large wealth are also increasing。 Many young people are turning to buying luxury cars。 However, accidents happen frequently about luxury cars, luxury cars are prohibitive, so how should luxury cars buy insurance?    How to buy insurance for luxury cars?    Although insurance companies have been involved in

How do people buy car insurance?

     Novice: suggested" all risks"    The conventional basic insurance includes traffic compulsory insurance, vehicle loss insurance, excluding non-loss insurance, and usually we commonly known as the full insurance on the basis of the first three kinds of insurance plus third party liability insurance, car personnel liability insurance, the whole car theft and rescue, scratch insurance, glass single damage insurance, a total of 8 kinds of insurance。 Traffic compulsory insurance for the insurance must be protected, novice driving must be added to the third party liability insurance, good economic conditions, and have the habit of parked vehicles and often to the field on business vehicles recommended to buy illegal rescue。 To the extent that the economic situation permits, it is recommended that new cars be purchased as mentioned above" all risks"。    Novice driving, are generally more careful, cherish, less major accidents, however, because of driving

How did the first beneficiary of all the car insurance become a bank?

   In general, if you buy a car for full payment, the first beneficiary of your car policy is yourself。 But if you are a mortgage to buy the car, the first beneficiary of the policy must be your loan bank, and the car must be additional rescue。 It's not hard to understand, because before your mortgage payment, the ownership of the car or the bank, so once the car was stolen, the insurance company to the bank claims money is not controversial。 Yesterday, however, Mr Wang called us and said that he had encountered a strange phenomenon。 Clearly is the whole car to buy, but the first beneficiary of the policy was a bank, make their claims can't normal now, what's going on?    Mr Wang bought the glen SUV in December at the Mercedes - benz 4 s store in Taizhou, Luqiao, where the insurance for the car was also handled by the staff of the 4 s store。 Since he has bought a car at the store many times, Mr Wang is very confident about store 4 s, so he didn't check t

How can I buy car insurance? Can't cheap anymore

[  Reading guidance  ]how to buy auto insurance, we should determine the mentality of buying auto insurance: both cheap, but also good service。 Choosing a good insurance company is the hard truth。 Best consider size, strong company。 Every year to buy a car and car insurance peak, whether old or new owners, all kinds of advertising, promotional information, telephone services are constantly around。 How to buy car insurance, how to choose reasonable insurance, is every owner must know。 How to buy auto insurance, we should make sure that we buy auto insurance mentality: both cheap, but also good service。 Choosing a good insurance company is the hard truth。 Best consider size, strong company。 Insurance companies such as sunshine auto insurance network is complete, in the risk, not only can entrust the remote network survey, but also through the remote information loss, time and cost can be given reasonable。 And small companies due to various facilities, personnel collocat

Four tips teach you how to save money, keep a car, and buy insurance that saves the most money?

Netease car comprehensive report on August 31   " a kilo of apple to 6 yuan, a bowl of spicy hot also want to 6 pieces, four people don't have more than two hundred pieces of restaurant also really can't eat anything。 " in this forum, car friends recently has been discussing the life of rising prices。 But cars have to be driven, and when oil prices, repairs and maintenance also require money, many car owners have begun to try to live a life of careful calculation。 So how to make your car cheaper, might as well take a look at these。 Tip one:  Insurance only buys the necessary ones When a friend borrows a car, many car owners will smartly say: " drive casually, I this car is covered by full insurance。 " in fact, a year down family car out of danger rate is very low, out of the risk is also a slight scratch, part of the private car not even out of danger all year round。 Because the utilization rate is not high, so under the premise of " s