Car circle tell you how to buy the most cost - effective, the most appropriate car insurance！ 2016 full auto insurance package group

Compulsory purchase of auto insurance 1 compulsory insurance this needless to say, this is China's compulsory insurance。 When an accident occurs, compensation is paid to the injured party, and the amount of compensation is limited。 Total limit 12. $ 20,000。 This is far from enough in the face of some major accidents。 2 third party commercial liability insurance three insurance is a supplement to the compulsory insurance, but also pay others, it is beyond the compulsory insurance compensation limit, by the insurance company is responsible for compensation, so car friends as far as possible at the same time to insure compulsory insurance and three insurance, so there is a guarantee in the event of a major traffic accident。 3 the first two types of insurance are used to pay the other side of the car damage insurance, and the car damage insurance is used to pay the insured person's own。 Car circle tips: individual parts damage is not compensate, in this case you can try to add work, separate into multiple parts damaged; Modification, loss of goods in the car and flooded, earthquake caused by engine loss is not compensable。 These insurance can save ~ local tyrants ignore ~ 4 scratch insurance general car don't have to buy scratch insurance, 2000 line scratch insurance premium 400 pieces, 5000 line is 800 pieces。 And out of danger once or twice to 4 s shop repair is 1000 yuan, outside repair is cheap。 And scratch risk superposition limit for many times, also affect the second year rate。 What did the car take? Change scratch to scratch, which part of the scratch to try to scratch the part, reported the car damage insurance payment。 5 self-combustion insurance is called the vehicle spontaneous combustion loss insurance, it is an additional insurance of motor vehicle loss insurance, the owner only on the basis of motor vehicle loss insurance, can insure the vehicle self-combustion insurance。 The insurance amount of self-insurance is generally determined by the actual value of the insured vehicle negotiation, the cost is not too high, if it is a second-hand car or a vehicle driving for several years can choose to buy。 6 non - deductible means transferring 20 % of the owner's liability to the insurance company。 Regardless of the exemption is divided into basic insurance and additional insurance, the former for the car damage insurance, the three basic insurance independent effective; The latter applies uniformly to the additional risks of motor vehicles。 Basic insurance is very useful, regardless of the exemption from compensation is recommended to buy, and additional risks are not particularly recommended to buy, additional risks regardless of the exemption from compensation even if it。 7. the car personnel liability insurance for compensation in the accident caused by the car personnel personal accident injury。 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。 8 vehicle water-related risks as the name implies, refers to the vehicle in the low - lying, there is water on the road, in the water。 Generally occurs in rainy weather, lack of drainage equipment caused by road surface water low-lying areas。 Most domestic urban drainage measures are not in place, often lead to flooding after heavy rain, if you often want to face this situation, then the vehicle water-related risks is very necessary, after all, can the owner to reduce the loss to a lower level。 9 other related additional risks related to the insurance is not introduced one by one, according to the need to buy please enter text package combination minimum guarantee combination: compulsory insurance + third liability insurance object: eager to sign or through the annual inspection of the advantages of the owner: low cost, and accident can guarantee the other party's payment。　　 Disadvantages: the protection is not big, once out of danger, the owner of the loss is bigger。　　 Third party liability insurance is compulsory insurance, car annual need。 Refers to the qualified driver in the use of the insured vehicle accident occurred in the process of causing direct loss of property and casualties of a third party。 However, once out of danger, the owner's own loss is not guaranteed。　　 Basic guarantee combination: compulsory insurance + third liability insurance + vehicle loss insurance object: driving experienced driver advantage: guarantee the basic risk, once out of danger, the owner and the third party can get part of the compensation。　　 Disadvantages: this combination for beginners, security is not perfect。　　 Vehicle loss insurance refers to the natural disasters ( excluding earthquakes ) or accidents within the scope of insurance liability of insurance vehicles, resulting in the loss of insurance vehicles themselves, the insurer shall pay compensation in accordance with the provisions of the insurance contract。 This is just the opposite of a third party in their own, if you love your car to buy。　　 Combination of economic insurance: compulsory insurance + third liability insurance + vehicle loss insurance + non - compensable special insurance object: careful calculation of the advantages of the owner: cost - effective, basic large risks are guaranteed, the premium is not high insurance practical。　　 Disadvantages: for the higher-grade car is not very practical, once out of danger, theft and other problems such as loss of education。　　 Regardless of the exemption odds belongs to the additional risk, vehicle loss insurance or third party liability insurance accident caused by compensation, corresponding to the insured bear the amount of free compensation ( 20 % ), by the insurance company is responsible for compensation。 Excluding the odds / amount of risk is almost a good insurance coverage, it is recommended to add。 Especially novice, plus will be useful, especially when you encounter big accident loss, this insurance can greatly reduce your loss。　　 Best guarantee combination: compulsory insurance + third liability insurance + vehicle loss insurance + non - compensable special insurance + on - board liability insurance + glass individual breakage object: novice or owner with less driving experience has the advantages of adding additional insurance such as on-board liability and glass insurance on the basis of basic insurance, so as to protect the vehicle in a more all-round way。　　 Disadvantages: premium is relatively high due to additional risks。　　 Car seat liability insurance if your car often has friends to sit, then you can also consider buying a little, but don't buy too much, the security limit of 10,000 - 20,000 yuan / seat is enough。　　 Broken glass alone - additional risk refers to the use of this car glass broken alone, pay attention to the " separate" two words, and if it is caused by other accidents, car damage insurance in compensate, so such as domestic cars, glass is not expensive, don't buy want to save money。　　 Complete guarantee combination: compulsory traffic insurance + third party liability insurance + vehicle loss insurance + unavoidable special compensation insurance + vehicle liability insurance + wind - gear glass insurance + newly added equipment loss insurance + spontaneous combustion loss insurance + whole vehicle theft and rescue object: medium and high-grade vehicles, advantages of the owner with abundant economy: almost all accident losses related to vehicles can be compensated, and spontaneous combustion luxury vehicles in the news at the beginning can also be compensated。　　 Disadvantages: individual insurance risk rate is low theft rescue if your car is a very common, high loss rate of models, it must protect theft rescue。　　 Self - combustion risk - additional risk vehicle in the process of driving, due to the car electrical appliances, lines, oil supply system failure and carrying goods spontaneous combustion caused by fire, resulting in vehicle losses and rescue pay reasonable expenses。 Is a new car is recommended not to buy, more than three years of car suggestions to consider。 7. Scratch risk - additional risk in the process of use, cut by others ( no obvious collision trace ) need to repair the cost of general new cars, beginners to buy Auto insurance to pay attention to tips these circumstances auto insurance companies do not compensate the scope of exclusion and exemption: dragging uninsured cars out of the accident do not compensate; Hit their own people don't compensate; Equipment installed without compensation; Lamp or reversing mirror single damage does not compensate; Damaged by the car items do not compensate; Put the full responsibility of the perpetrators run not to compensate; Without fixed loss of direct repair does not compensate; Deep in the water forced lighter cause damage to the engine does not compensate; Vehicle parts stolen without compensation; No compensation shall be made for losses incurred during the repair of the vehicle。 Always, the car insurance choice is not the more the better, according to their actual situation, consider cost - effective, flexible processing。　　 Finally, car friends circle also want to remind the majority of owners, car insurance only for material losses of a kind of compensation, once an accident, physical and psychological damage also need to bear, so even if the purchase of auto insurance, driving also should comply with traffic rules, pay attention to driving safety, as far as possible to reduce the occurrence of accidents。 Car friends circle wechat public number: cheyou quan360

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