Auto insurance is almost expired, this time to buy the most cost - effective!

No matter what kind of car to buy, to buy car insurance is always inevitable, and in the domestic insurance has always been let a person don't understand。 Lazy or didn't understand the inevitable choice is not suitable for their own insurance or not perfect, claims only to find that the original difficult or n more than free compensation terms, bitter fruit only swallow it yourself。
In this paper, I will give you a simple language to explain the purchase of auto insurance matters needing attention。

Analysis of insurance type
Compulsory motor vehicle insurance
Belong to the new car insurance, compensation for the maximum amount of 12. $ 20,000。 Many people believe that 12. The amount of compensation of $ 20,000 is enough for their own vehicles, in fact, in the 12. Of the 20,000 yuan, only 2,000 yuan is for vehicle damage compensation, another 10,000 yuan for medical expenses compensation, 110,000 yuan for disability compensation, so only the compulsory insurance guarantee is not enough。
Main commercial risk
1, motor vehicle loss insurance ( car damage insurance )
Which is the most important part of vehicle insurance, is used to compensate for vehicle losses。 But when buying insurance to clear the insurance clauses of the insurance liability and liability exemption。 For example, if the injured or dead in the accident is the insured person or family members, this is not claims; If the insured person because of driving without a license, drink driving and other illegal behavior accident is not compensation。
In their own no responsibility but can't find the cause of the case, and the insurance company signed a liability transfer compensation agreement, their own responsibility to bear 30 %。 Such as car parked on the side of the road by falling objects in high altitude, and can't find the responsible person, their own will bear 30 % of the responsibility。 After the fee change if the purchase can't find a third party special insurance, you can compensate。
2, commercial third party liability insurance ( three liability insurance )
Belong to the compensation for disability compensation in compulsory insurance, the current common coverage of 200000, 300000 and 500000, but the difference between the premium is not much, also is the difference of one hundred and two hundred。 This insurance is very important for private car owners, in accordance with the current law if the vehicle caused personal injury to pedestrians, the amount of compensation will be based on the local average wage set top, the maximum wage of 20 years, in accordance with the 3000 yuan salary standard maximum compensation of 720 thousand yuan, far more than the amount of compensation for compulsory insurance, so the commercial liability insurance of the three has become an important guarantee of personal injury accidents。
3, the whole car stolen rescue
Theft and rescue is to prevent the loss of vehicles stolen and prepared insurance。 If the security situation in your parking area is not good, it is necessary to purchase this insurance in a chaotic environment。 In addition, if your car is a high risk of theft models, such as accor, a6 model insurance rates will be appropriately increased, this requires you to consult the insurance company in detail。
It is important to note that the whole vehicle stolen rescue only in your vehicle stolen, the insurance company will claim, if part of the vehicle parts stolen does not belong to the scope of compensation ( common such as stolen tires, wiper stolen, etc. )
4, the car personnel liability insurance
Is used for compensating personal accident injury caused by personnel on the vehicle in an accident。 Can be divided into two kinds of driver and passenger, can protect the driver or passenger alone。 This is a supplement to personal accident insurance, and other personal accident insurance does not conflict, joint compensation。 The common amount of insurance is 10 thousand yuan, 20 thousand yuan and 50 thousand yuan。
Additional risk
The main insurance of general vehicle insurance only provides the most basic protection, but there will be many other problems in daily driving, which requires some additional insurance coverage。
1, additional spontaneous combustion loss insurance ( self - combustion )
Spontaneous combustion loss insurance refers to the vehicle when the natural cause of vehicle loss, compensation for you。 Spontaneous combustion refers to the vehicle's electrical appliances, lines, oil supply system, gas supply system failure or the load of goods caused by fire combustion caused by the loss of the car。
Insurance experts warn that some supercharged models or heat dissipation defects in the summer of natural risk is higher, it is recommended to insure。 In addition, according to the terms, spontaneous combustion compensation for 20 % free odds, that is to say, the insurance company only bear 80 % of the amount of loss。 So avoid vehicle spontaneous combustion is the hard truth。
Note: the automobile manufacturer pays for the vehicle that has not changed the line, and spontaneous combustion occurs within the warranty period, so this part of the owner does not need to insure the self-combustion insurance。
2, additional body scratch loss insurance ( scratch insurance )
Scratch risk is used to protect the vehicle paint, coverage is limited to car paint damage without obvious collision of the body。 Damage caused by any collision falls within the category of vehicle damage insurance。 In short, scratch insurance is limited to the paint part, does not include any need for sheet metal parts such as damage, the insurance amount of 2000 yuan, 5000 yuan, 10000 yuan or 20000 yuan。 Note: at present, the insurance company is no longer for more than three years of " old car" for scratch insurance, in addition, the current premium rate of auto insurance has started according to the number of times and the amount of linked, if you have not appeared for several consecutive years, then maybe you spend money to repair will be more cost - effective。
3, additional glass breakage risk alone ( glass )
Glass risk refers to the windshield or window glass broken separately and compensate, does not include the accident caused by vehicle glass damage。 This risk can choose domestic glass and imported glass, the owner can choose。 It is important to remind you that skylight glass does not belong to the category of glass breakage risk, but belongs to the car damage。
4, engine special loss insurance ( engine water insurance )
That is to say, engine failure insurance caused by vehicle wading or water start。 Car damage is not included in the engine water fault compensation, this additional risk can increase the engine protection。 If you don't buy the additional risk, after the water engine overhaul of their own money is not a small number, in addition, there are 20 % of the odds。
5, additional non-exclusive odds special
In the previous several insurance mentioned in the non-exclusive odds, it means that in the insurance claims, the insurance company is not 100 % compensation for all your losses。 For example, the engine special loss risk is 20 %, which means that the insurance company only compensate for 80 % of the cost of engine maintenance, you have to bear 20 % of the cost of maintenance。
Excluding the odds special refers to, after you buy the additional insurance, the specified insurance project excluding the non-compensable part also borne by the insurance company, you don't need to spend a penny。 Many people tend to ignore, in fact, this is a very practical additional risks。
Portfolio of programmes
For most mainstream owners, we might as well put the common vehicles are divided into three categories, specific recommendations are as follows:
1, micro, small scooter ( price tens of thousands of yuan, mainly used for walking, saving money is very important )
Recommended scheme for micro - and small-scale transport vehicles: traffic insurance + vehicle damage insurance + 100,000 commercial three + self - combustion insurance
2, family compact car ( price hundreds of thousands of yuan, the vehicle needs to have affordable protection )
Family compact car recommended scheme: traffic insurance + car damage insurance + 300,000 commercial three + self - combustion insurance + engine water insurance + excluding special exemption
3, middle and senior car / SUV ( price is more than 200 thousand yuan, the vehicle has a higher security needs )
Recommended scheme for medium and high-level vehicles: compulsory traffic insurance + vehicle damage insurance + 500,000 commercial three + whole vehicle theft and emergency rescue + self-combustion insurance + engine water intake insurance + scratch insurance + glass insurance + excluding special exemption and compensation
Matters needing attention
On depreciation rate:
The actual value of the insured motor vehicle is determined according to the purchase price of the new car at the time of insurance MINUS the depreciation amount。 After the insurance, the depreciation of the insured motor vehicle is calculated on a monthly basis, the part of less than one month, excluding depreciation。 Less than 9 models will have 0 per month. 6 % of the depreciation rate, the maximum depreciation amount does not exceed 80 % of the purchase price of the insured motor vehicle。 So after you cover due to theft or car damage out of insurance will generally be lower than the insured amount, if not before the expiration of a year before the car insurance compensation will be calculated 12 months depreciation rate, but when you are on the car insurance is the most expensive time。
Depreciation amount = the purchase price of the new car insured x the number of months used by the insured motor vehicle x the depreciation rate of the month
1, vehicle transfer insurance don't forget
In handling the transfer of the vehicle, if the insurance is not expired, need to notify the insurance company in accordance with the provisions of the policy, and handle the contract subject to change procedures, so that in the rest of the time the insurance can continue to take effect, otherwise the vehicle has any problem insurance company will not claim, this should bear in mind。
2, the car hit the wall, ditch
Vehicle collision wall ( or cement column, tree, etc. ), ditch, etc. does not involve compensation to others of the accident, timely report directly to the insurance company can, near the scene of the accident waiting for the insurance company to survey, if the business car in urgent need and the amount of small case can drive to the insurance company to report, check the car。
3, flooded
When a vehicle encounters an irresistible natural disaster ( rainstorm, hurricane, flood, etc. ), the owner of the vehicle loss insurance can get the insurance company related compensation, and the above mentioned engine special loss insurance is easy to confuse here。
4, flat tire compensate not compensate
The damage to the tire and hub caused by misoperation or natural aging is not covered by the insurance company, but if the traffic accident caused by a flat tire, the insurance company will pay for the accident itself according to the corresponding provisions。
5, car spontaneous combustion
If the car is on fire, should immediately stop, fire, to the traffic police, fire brigade alarm, notify the insurance company at the same time。 Pay attention to the traffic police fire department to deal with the accident for responsibility certificate or fire proof。
6, the car lost
If found parked vehicles disappeared, should immediately to the nearby parking lot, property management, traffic police, etc., to find, to understand whether the traffic department towed, buckle car。 If it is determined that the vehicle was stolen, timely report to the police station or patrol。 When parking, please park in a guarded parking lot and ask for a parking certificate。 When there is no parking lot nearby, should also try not to park in a remote, dark place。 When parking, pay attention to close the doors and windows lock anti-theft lock, the car don't put valuables, and will travel card, surcharge card carry away。
7, the car out of danger in the field
If the vehicle out of danger in the field, you can report to the insured insurance company, or report to the insurance company, the local insurance company will send professionals to assist in handling the accident, approved the loss of the accident。
8, when you accidentally traffic accident, the following will tell you how to deal with:
1. immediately call the traffic accident alarm station " 122" or the medical emergency telephone " 120", and report the detailed location of the accident and the accident summary to the local 95518; Call the alarm, please carefully protect the scene of the accident, in case of accident the wounded need to provide assistance, please move the wounded rescue at the same time, don't move out of danger of vehicles and the scene。
2, the traffic police to explore the scene, you should actively assist the police to carry out the work, and to provide the police after the accident, to produce a driver's license, driving license, id card and related documents, on-site investigation is completed, should be signed on the scene survey map。
3, the parties shall truthfully state the details of the accident happened, actively cooperate with the police to do a good job in the inquiry, interrogation record, and in writing to the police to provide readme materials。
4, due to the accident caused by car damage, should be determined by the insurance company loss, and confirmed by the police, the parties can choose to repair the vehicle repair factory repair vehicle qualification。
5, traffic accident damage compensation mediation time, place, way specified by the police, and under the auspices of the investigators。 The participants in the mediation shall be subject to the consent of the police, and the number of one party shall not exceed three。 Within the prescribed time limit, after the two mediation fails to reach an agreement or mediation agreement after the entry into force of any party fails to perform, the police no longer mediation, the parties may bring a lawsuit to the people's court before preservation and civil litigation。
6, the damaged party shall issue a compensation basis in the mediation。 Such as medical certificate, maintenance, maintenance number and proof, etc。


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