Car insurance buying skills, teach you how to cost-effectively buy auto insurance
The three risks bought not kui!
1. compulsory insurance
Strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the hit party, and the payment amount is limited, the maximum limit is 12. $ 20,000��
2, third party commercial liability insurance
This insurance is a supplement to the strong insurance, payment object is also others�� In the event of an accident, if the amount of compensation exceeds the compulsory insurance compensation limit, the insurance company shall be responsible for the compensation��
3, car damage insurance
With the front two kinds of the biggest difference, is the car damage insurance payment object is the insured, that is, yourself! When the accident, in addition to the earthquake caused by natural disasters damaged vehicles, car damage insurance can give us the corresponding compensation�� There are many situations in which car damage is not covered, such as spontaneous combustion of the vehicle, broken glass alone, scratches on the body, and damage to the engine caused by flooding of the vehicle and re-ignition by the owner��
To save money, these can be purchased as appropriate:
1. scratch risk
If scratch paint no obvious traces of collision, car damage insurance is not paid, then scratch insurance will play a role�� But in the public security, parking environment is good, the risk can not buy��
2, self-combustion insurance
If the vehicle is still in the warranty period, spontaneous combustion by the manufacturer is responsible for, pay attention to is in the premise of no unauthorized transformation of the original car circuit�� If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance��
3. water - related risks
This is an additional risk to the engine�� If the vehicle flooded, because the owner again lighter cause engine damage, at this time the car loss insurance does not compensate, but water-related insurance can compensate��
Responsible editor:
The three risks bought not kui!
1. compulsory insurance
Strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the hit party, and the payment amount is limited, the maximum limit is 12. $ 20,000。
2, third party commercial liability insurance
This insurance is a supplement to the strong insurance, payment object is also others。 In the event of an accident, if the amount of compensation exceeds the compulsory insurance compensation limit, the insurance company shall be responsible for the compensation。
3, car damage insurance
With the front two kinds of the biggest difference, is the car damage insurance payment object is the insured, that is, yourself! When the accident, in addition to the earthquake caused by natural disasters damaged vehicles, car damage insurance can give us the corresponding compensation。 There are many situations in which car damage is not covered, such as spontaneous combustion of the vehicle, broken glass alone, scratches on the body, and damage to the engine caused by flooding of the vehicle and re-ignition by the owner。
To save money, these can be purchased as appropriate:
1. scratch risk
If scratch paint no obvious traces of collision, car damage insurance is not paid, then scratch insurance will play a role。 But in the public security, parking environment is good, the risk can not buy。
2, self-combustion insurance
If the vehicle is still in the warranty period, spontaneous combustion by the manufacturer is responsible for, pay attention to is in the premise of no unauthorized transformation of the original car circuit。 If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance。
3. water - related risks
This is an additional risk to the engine。 If the vehicle flooded, because the owner again lighter cause engine damage, at this time the car loss insurance does not compensate, but water-related insurance can compensate。
Responsible editor:
Comments
Post a Comment