Car insurance every year, car uncle teach you how to buy insurance is the most cost - effective！
Happy and busy spring festival holiday is over in an instant, you must have the old iron and like car uncle all body and mind into the work and life。 I believe many car owners have encountered such a problem, in the car insurance is about to expire a month or two, often someone call to let you go to 4 s store or telephone car insurance renewal。 Many car owners reject the 4 s store renewal, mainly want to buy a more cost-effective auto insurance。 So what should I buy in auto insurance, which don't need to buy？ How should buy to cost - effective？
In fact, automobile insurance is divided into two categories: compulsory insurance and commercial insurance。 One commercial risk at a time every year at the cost of several thousand yuan, let the owners love dearly unceasingly。 Although commercial insurance is not mandatory to pay, but as the saying goes, often walk along the river how can not wet shoes, who are afraid of one thousand。 Even if your driving skill is excellent, but also inevitably there are times when you miss。 Today's car uncle to tell you about auto insurance。
1. compulsory insurance
Compulsory insurance is required by law to buy insurance, any loss caused to a third party ( in addition to the car, the car ), whether or not there is responsibility, is the scope of compulsory insurance compensation。
Car uncle comments: compulsory insurance is the law must pay！ If you don't buy it, you can't drive on the road！
2 car damage insurance
Car damage insurance refers to the insured or its permitted driver in driving the insured vehicle insurance accident caused by the insured vehicle damage, the insurance company in a reasonable range of compensation for a car commercial insurance。
Ps: if after the accident, can't find the perpetrator, the insurance company can only compensate for 70 % of the loss。 It is also important to note that car damage insurance in compensation, will be based on the use of the vehicle after depreciation compensation。
Car uncle review: buy！！！ Don't buy the insurance, the car crashed, in addition to repair their own car at their own expense have to pay for others。
3 third party liability insurance
Commercial third party liability insurance refers to the insured allows qualified drivers in the use of the insured vehicle accident occurred in the process, only a third party suffered personal injury or direct property losses, 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。
Car uncle comments: or buy it, after all, now straggling people and cars so much, life is very valuable, accident is also a lot of, car uncle suggested three insured more than 1 million。
4 exclusive of odds
Excluding free odds, full name excluding free odds special terms, is a kind of additional risk。 In many accident compensation, insurance companies have 5 % ~ 20 % free odds。 When the purchase of the non-compensable, the owner due to the accident liability of the non-compensable amount all transferred to the insurance company, make the owner to claim more。
Ps: excluding the non-compensable insurance will only be the car damage insurance and third party liability insurance accident liability to pass on the odds to the insurance company。
Car uncle comments: low pay, high compensation, this can have！
5. illegal rescue
The full name of the stolen rescue is the whole motor vehicle stolen rescue。 If the whole car was stolen, after the public security criminal investigation department at or above the county level for investigation confirmed full 60 ~ 90 days and no whereabouts, by the insurance company direct compensation。
Ps: if not the whole car was stolen, but the car parts such as tires, lights, etc. are lost, not in the scope of claims。 In addition, if the vehicle is modified, according to the original car compensation ( can be purchased for the modified part of the new equipment insurance )。
Car uncle comments: the possibility of theft of the whole car is very small oh！ As for do you want to this is different from person to person, anyway, car uncle！
Glass risk
Glass insurance, that is, the insurance company is responsible for the compensation of the insured vehicle in the use process, the occurrence of this car glass broken a commercial insurance。
Ps: broken glass, refers to the insured vehicle only windshield and window glass ( excluding lamps, mirrors, skylight glass ) appear damaged, otherwise the car damage category。
Car uncle comments: mainly see where you stop, consider yourself！ General parking conditions are good, you don't have to buy this insurance！
7 scratch risk
Family self-use vehicles, non business vehicles can be insured, refers to the insurance period, the insured vehicle has no obvious traces of collision of the body surface paint scratch alone。
Ps: scratch refers to the sheet metal must be no deformation, otherwise the car loss range; Many times the scratch is out of danger。
Car uncle comments: novice can consider, old driver what drive 6 to take off, you don't have to consider。 Also depends on how much Xiong Haizi parking around, and the difficulty of parking spaces。
In general, the more insurance you choose, the higher the premium, so learn to match properly, in order to minimize the risk。 Although there are many types of vehicle insurance, but not all kinds of auto insurance need to pay for, we just need to choose the right one。
In addition, within the scope of commercial insurance, many insurance companies to launch a lot of very distinctive additional risks, the so-called additional risks is relying on commercial insurance in the main risks ( car damage, three, robbery, car personnel ) to provide all kinds of value-added services of insurance ( special terms )。 Each of them has a big stunt, but neither the probability of events nor the amount of claims is as good as you think。 After the car uncle's advice and combined with their own specific circumstances and vehicles, I believe that every owner can find suitable for themselves, the most cost-effective auto insurance。
In fact, automobile insurance is divided into two categories: compulsory insurance and commercial insurance。 One commercial risk at a time every year at the cost of several thousand yuan, let the owners love dearly unceasingly。 Although commercial insurance is not mandatory to pay, but as the saying goes, often walk along the river how can not wet shoes, who are afraid of one thousand。 Even if your driving skill is excellent, but also inevitably there are times when you miss。 Today's car uncle to tell you about auto insurance。
1. compulsory insurance
Compulsory insurance is required by law to buy insurance, any loss caused to a third party ( in addition to the car, the car ), whether or not there is responsibility, is the scope of compulsory insurance compensation。
Car uncle comments: compulsory insurance is the law must pay！ If you don't buy it, you can't drive on the road！
2 car damage insurance
Car damage insurance refers to the insured or its permitted driver in driving the insured vehicle insurance accident caused by the insured vehicle damage, the insurance company in a reasonable range of compensation for a car commercial insurance。
Ps: if after the accident, can't find the perpetrator, the insurance company can only compensate for 70 % of the loss。 It is also important to note that car damage insurance in compensation, will be based on the use of the vehicle after depreciation compensation。
Car uncle review: buy！！！ Don't buy the insurance, the car crashed, in addition to repair their own car at their own expense have to pay for others。
3 third party liability insurance
Commercial third party liability insurance refers to the insured allows qualified drivers in the use of the insured vehicle accident occurred in the process, only a third party suffered personal injury or direct property losses, 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。
Car uncle comments: or buy it, after all, now straggling people and cars so much, life is very valuable, accident is also a lot of, car uncle suggested three insured more than 1 million。
4 exclusive of odds
Excluding free odds, full name excluding free odds special terms, is a kind of additional risk。 In many accident compensation, insurance companies have 5 % ~ 20 % free odds。 When the purchase of the non-compensable, the owner due to the accident liability of the non-compensable amount all transferred to the insurance company, make the owner to claim more。
Ps: excluding the non-compensable insurance will only be the car damage insurance and third party liability insurance accident liability to pass on the odds to the insurance company。
Car uncle comments: low pay, high compensation, this can have！
5. illegal rescue
The full name of the stolen rescue is the whole motor vehicle stolen rescue。 If the whole car was stolen, after the public security criminal investigation department at or above the county level for investigation confirmed full 60 ~ 90 days and no whereabouts, by the insurance company direct compensation。
Ps: if not the whole car was stolen, but the car parts such as tires, lights, etc. are lost, not in the scope of claims。 In addition, if the vehicle is modified, according to the original car compensation ( can be purchased for the modified part of the new equipment insurance )。
Car uncle comments: the possibility of theft of the whole car is very small oh！ As for do you want to this is different from person to person, anyway, car uncle！
Glass risk
Glass insurance, that is, the insurance company is responsible for the compensation of the insured vehicle in the use process, the occurrence of this car glass broken a commercial insurance。
Ps: broken glass, refers to the insured vehicle only windshield and window glass ( excluding lamps, mirrors, skylight glass ) appear damaged, otherwise the car damage category。
Car uncle comments: mainly see where you stop, consider yourself！ General parking conditions are good, you don't have to buy this insurance！
7 scratch risk
Family self-use vehicles, non business vehicles can be insured, refers to the insurance period, the insured vehicle has no obvious traces of collision of the body surface paint scratch alone。
Ps: scratch refers to the sheet metal must be no deformation, otherwise the car loss range; Many times the scratch is out of danger。
Car uncle comments: novice can consider, old driver what drive 6 to take off, you don't have to consider。 Also depends on how much Xiong Haizi parking around, and the difficulty of parking spaces。
In general, the more insurance you choose, the higher the premium, so learn to match properly, in order to minimize the risk。 Although there are many types of vehicle insurance, but not all kinds of auto insurance need to pay for, we just need to choose the right one。
In addition, within the scope of commercial insurance, many insurance companies to launch a lot of very distinctive additional risks, the so-called additional risks is relying on commercial insurance in the main risks ( car damage, three, robbery, car personnel ) to provide all kinds of value-added services of insurance ( special terms )。 Each of them has a big stunt, but neither the probability of events nor the amount of claims is as good as you think。 After the car uncle's advice and combined with their own specific circumstances and vehicles, I believe that every owner can find suitable for themselves, the most cost-effective auto insurance。
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