auto insurance how to buy the most cost-effective v
With the improvement of people's living standards, car sales have also been increasing�� Speaking of auto insurance, I believe everyone is no stranger, because the car will always worry about accidents, and insurance at this time is the greatest protection for every owner��
But many car owners feel that there are many kinds of auto insurance, always worried about being fooled to buy a lot of insurance, waste a lot of unnecessary money�� What kind of insurance must you buy�� What kind of insurance depends on the situation to buy�� How to buy auto insurance is the most cost - effective�� Let's give you a detailed introduction��
First, must buy insurance
1. compulsory insurance
Compulsory traffic insurance is the motor vehicle traffic accident liability compulsory insurance for short, is compulsory traffic insurance by the insurance company of the insured motor vehicle road traffic accident caused by the victim[ does not include the car personnel and the insured ]casualties, property losses, within the limits of liability to be compensated for compulsory liability insurance�� And new car without compulsory insurance can't be on the card, not to pay the next year by the traffic police to may be fined and fined twice the strong risk, and after buying there will be a Zhang Qiang risk sign, remember to stick on the window glass��
2, excluding special insurance
The special clause without exemption of odds is a kind of additional risk�� The insurance is usually refers to the special agreement, after the occurrence of an insurance accident, in accordance with the provisions of the corresponding insurance of the main insurance clause of the free odds calculation, shall be borne by the insured to pay the amount of free compensation, the insurer is responsible for compensation�� In many accident compensation, the insurance company has 5 % - 20 % of the free odds, bought without compensation special insurance, the insurance company can be in full compensation after the accident��
3, commercial third party liability insurance
Third party liability insurance refers to the insured to allow qualified drivers, in the use of the insured vehicle accident occurred in the process, resulting in a third party suffered personal injury or direct loss of property, according to the law shall be paid by the insured amount of compensation, the insurer will be in accordance with the relevant provisions of the insurance contract to give compensation��
That is to say, in the use of vehicles in the process of accident, resulting in a third party suffered personal injury and property losses, shall be borne by the applicant's liability for compensation, the insurance company for more than pay compulsory insurance compensation limit above, in accordance with the provisions of the contract compensation�� If unfortunately crashed luxury cars or driving causing serious injury, compensation may be as high as hundreds of thousands, pay insurance up to 12. 20000�� But the insured three risks, pay compulsory insurance payment is insufficient, can be compensated by the insurance company��
4. vehicle loss insurance
The vehicle loss insurance is responsible for compensation for the loss of the vehicle itself caused by natural disasters and accidents�� This is the most important insurance in auto insurance�� Not much money, but can get a lot of protection�� Generally speaking, for imported cars, domestic cars, if the year is not too long, or driver technology or driving habits can not provide higher security for vehicle safety, it is best to buy this insurance�� If you don't protect the insurance, after the collision of vehicles repair costs have to pay, it may be thousands, tens of thousands or even hundreds of thousands of yuan��
However, the car damage insurance only for car body damage compensation, small parts of the individual damage is not within the scope of claims, such as: tires, rearview mirrors, and so on�� In addition, drunk driving, not annual inspection, engine water after start damage, car parts were stolen, earthquake, did not get a temporary license of new cars, etc. will not compensate��
Two, depending on the personal situation of the purchase of insurance
In addition to the above four, if the salesman also recommend other insurance, can according to their own car to the situation and driving habits decided to buy not to buy, such as:
1. water - related risks
Water - related insurance refers to the insured vehicle in the water road wading or flooded after causing damage to the engine can be compensated�� It is an additional risk specifically purchased for the engine�� Which is used for compensating the direct damage of the engine caused by the water inflow of the engine in the use process of the insurance motor vehicle��
However, if the engine is damaged as a result of the following conditions, it will be rejected by the insurance company: the engine is damaged due to the secondary start after water intake; Knowing that the water is serious also wading; The garage was flooded with water�� Especially in the first case, after flameout in the water, don't start twice�� After the second start, the connecting rod will bend deformation, insurance companies can easily distinguish��
If the insurance company does not compensate, it can only bear the loss caused by engine damage�� Also want to explain, garage flooded with water, not wading problem, bought a water-related insurance is useless�� In this case, the car damage insurance will compensate, including engine losses��
2, self-combustion insurance
Self - combustion insurance is the additional risk of car damage insurance, must first be insured vehicle loss insurance can be insured�� During the insurance period, the insurance vehicle in the use process, due to the car circuit, line, oil, the goods themselves problems, motor vehicle running friction fire caused by fire, resulting in the loss of insurance vehicles, in order to reduce the loss of insurance vehicles to spend reasonable rescue costs, the insurance company will be compensated accordingly�� Remember, yes“ Spontaneous combustion” , fire and other external causes of vehicle combustion is not included��
3, the whole car stolen rescue
Theft insurance is refers to if the whole car was stolen, robbed by the public security criminal investigation department at or above the county level for investigation confirmed full 60 - 90 days and no whereabouts�� The reasonable cost of insurance vehicles in theft, robbery, robbery during damage or car parts, accessories lost need to repair�� Direct compensation by the insurance company��
Not afraid of thieves steal is afraid of thief thinking, for just bought a new car owner, especially often in unattended parking outside the owner, new car theft rescue is necessary, within two years of new car stolen risk is bigger, buy not to buy can only see personal situation��
4. scratch risk
Scratch insurance is the additional risk of car damage insurance, that is, insured motor vehicle loss insurance, can be covered by scratch insurance�� Scratch insurance full name body scratch loss insurance, home-use vehicles, non-business vehicles can be insured, refers to the insurance period, the insurance vehicle without obvious collision traces of body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss�� Scratch insurance and the biggest difference between the car damage insurance is that the vehicle scratch insurance security responsibility is“ Other people's malicious behavior caused artificial scratches on the body of the insurance vehicle”��
For example, when driving what accident hit, or have a small scratch, vehicle scratches, this belongs to the scope of the protection of the car damage insurance, no scratch insurance what's the matter��
If your car parked on the side of the road, and then the body inexplicably being scratched a above, or battery car scratch scratch, but can't find the perpetrators, scratch risk will play a role at this time, that is to say, scratch risk is“ Payment exempt site” And“ There is no nee to give reasons for scratch” Two characteristics��
5. glass risk
Glass insurance, that is, the insurance company is responsible for the compensation of insurance vehicles in the process of use, the loss of the car glass broken a commercial insurance�� Broken glass, refers to the insured vehicle only windshield and window glass ( excluding lights, glass ) damage��
As with the advice of theft and rescue, if you often stop in unattended places, and the vehicle price is higher, can buy such insurance as appropriate��
With the improvement of people's living standards, car sales have also been increasing。 Speaking of auto insurance, I believe everyone is no stranger, because the car will always worry about accidents, and insurance at this time is the greatest protection for every owner。
But many car owners feel that there are many kinds of auto insurance, always worried about being fooled to buy a lot of insurance, waste a lot of unnecessary money。 What kind of insurance must you buy? What kind of insurance depends on the situation to buy? How to buy auto insurance is the most cost - effective? Let's give you a detailed introduction。
First, must buy insurance
1. compulsory insurance
Compulsory traffic insurance is the motor vehicle traffic accident liability compulsory insurance for short, is compulsory traffic insurance by the insurance company of the insured motor vehicle road traffic accident caused by the victim[ does not include the car personnel and the insured ]casualties, property losses, within the limits of liability to be compensated for compulsory liability insurance。 And new car without compulsory insurance can't be on the card, not to pay the next year by the traffic police to may be fined and fined twice the strong risk, and after buying there will be a Zhang Qiang risk sign, remember to stick on the window glass。
2, excluding special insurance
The special clause without exemption of odds is a kind of additional risk。 The insurance is usually refers to the special agreement, after the occurrence of an insurance accident, in accordance with the provisions of the corresponding insurance of the main insurance clause of the free odds calculation, shall be borne by the insured to pay the amount of free compensation, the insurer is responsible for compensation。 In many accident compensation, the insurance company has 5 % - 20 % of the free odds, bought without compensation special insurance, the insurance company can be in full compensation after the accident。
3, commercial third party liability insurance
Third party liability insurance refers to the insured to allow qualified drivers, in the use of the insured vehicle accident occurred in the process, resulting in a third party suffered personal injury or direct loss of property, according to the law shall be paid by the insured amount of compensation, the insurer will be in accordance with the relevant provisions of the insurance contract to give compensation。
That is to say, in the use of vehicles in the process of accident, resulting in a third party suffered personal injury and property losses, shall be borne by the applicant's liability for compensation, the insurance company for more than pay compulsory insurance compensation limit above, in accordance with the provisions of the contract compensation。 If unfortunately crashed luxury cars or driving causing serious injury, compensation may be as high as hundreds of thousands, pay insurance up to 12. 20000。 But the insured three risks, pay compulsory insurance payment is insufficient, can be compensated by the insurance company。
4. vehicle loss insurance
The vehicle loss insurance is responsible for compensation for the loss of the vehicle itself caused by natural disasters and accidents。 This is the most important insurance in auto insurance。 Not much money, but can get a lot of protection。 Generally speaking, for imported cars, domestic cars, if the year is not too long, or driver technology or driving habits can not provide higher security for vehicle safety, it is best to buy this insurance。 If you don't protect the insurance, after the collision of vehicles repair costs have to pay, it may be thousands, tens of thousands or even hundreds of thousands of yuan。
However, the car damage insurance only for car body damage compensation, small parts of the individual damage is not within the scope of claims, such as: tires, rearview mirrors, and so on。 In addition, drunk driving, not annual inspection, engine water after start damage, car parts were stolen, earthquake, did not get a temporary license of new cars, etc. will not compensate。
Two, depending on the personal situation of the purchase of insurance
In addition to the above four, if the salesman also recommend other insurance, can according to their own car to the situation and driving habits decided to buy not to buy, such as:
1. water - related risks
Water - related insurance refers to the insured vehicle in the water road wading or flooded after causing damage to the engine can be compensated。 It is an additional risk specifically purchased for the engine。 Which is used for compensating the direct damage of the engine caused by the water inflow of the engine in the use process of the insurance motor vehicle。
However, if the engine is damaged as a result of the following conditions, it will be rejected by the insurance company: the engine is damaged due to the secondary start after water intake; Knowing that the water is serious also wading; The garage was flooded with water。 Especially in the first case, after flameout in the water, don't start twice。 After the second start, the connecting rod will bend deformation, insurance companies can easily distinguish。
If the insurance company does not compensate, it can only bear the loss caused by engine damage。 Also want to explain, garage flooded with water, not wading problem, bought a water-related insurance is useless。 In this case, the car damage insurance will compensate, including engine losses。
2, self-combustion insurance
Self - combustion insurance is the additional risk of car damage insurance, must first be insured vehicle loss insurance can be insured。 During the insurance period, the insurance vehicle in the use process, due to the car circuit, line, oil, the goods themselves problems, motor vehicle running friction fire caused by fire, resulting in the loss of insurance vehicles, in order to reduce the loss of insurance vehicles to spend reasonable rescue costs, the insurance company will be compensated accordingly。 Remember, yes" Spontaneous combustion" , fire and other external causes of vehicle combustion is not included。
3, the whole car stolen rescue
Theft insurance is refers to if the whole car was stolen, robbed by the public security criminal investigation department at or above the county level for investigation confirmed full 60 - 90 days and no whereabouts。 The reasonable cost of insurance vehicles in theft, robbery, robbery during damage or car parts, accessories lost need to repair。 Direct compensation by the insurance company。
Not afraid of thieves steal is afraid of thief thinking, for just bought a new car owner, especially often in unattended parking outside the owner, new car theft rescue is necessary, within two years of new car stolen risk is bigger, buy not to buy can only see personal situation。
4. scratch risk
Scratch insurance is the additional risk of car damage insurance, that is, insured motor vehicle loss insurance, can be covered by scratch insurance。 Scratch insurance full name body scratch loss insurance, home-use vehicles, non-business vehicles can be insured, refers to the insurance period, the insurance vehicle without obvious collision traces of body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss。 Scratch insurance and the biggest difference between the car damage insurance is that the vehicle scratch insurance security responsibility is" Other people's malicious behavior caused artificial scratches on the body of the insurance vehicle"。
For example, when driving what accident hit, or have a small scratch, vehicle scratches, this belongs to the scope of the protection of the car damage insurance, no scratch insurance what's the matter。
If your car parked on the side of the road, and then the body inexplicably being scratched a above, or battery car scratch scratch, but can't find the perpetrators, scratch risk will play a role at this time, that is to say, scratch risk is" Payment exempt site" And" There is no nee to give reasons for scratch" Two characteristics。
5. glass risk
Glass insurance, that is, the insurance company is responsible for the compensation of insurance vehicles in the process of use, the loss of the car glass broken a commercial insurance。 Broken glass, refers to the insured vehicle only windshield and window glass ( excluding lights, glass ) damage。
As with the advice of theft and rescue, if you often stop in unattended places, and the vehicle price is higher, can buy such insurance as appropriate。
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