Car insurance. look at the money you've spent in vain！ Insurance types must be bought and how to buy the most cost - effective？

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The invention of the car is not entirely beneficial to mankind, it is also very important to human damage

Automobile has been invented for more than one hundred years, now automobile has become one of the most important means of transportation。 The increasing number of cars and traffic accidents have also increased！ The occurrence of traffic accidents requires insurance compensation。 Let's talk about vehicle insurance.

The types of vehicle insurance can be divided into compulsory insurance and commercial insurance according to the nature。

Compulsory insurance ( compulsory insurance ) is the compulsory purchase of insurance stipulated by the state,

Commercial insurance is not compulsory insurance, the owner can choose according to their own situation。

The types of vehicle insurance according to the scope of the responsibility of the security can also be divided into basic risks and additional risks。 The basic insurance includes commercial third party liability insurance, vehicle loss insurance, whole vehicle theft and rescue, car personnel liability insurance, a total of four independent insurance, the applicant can choose to insure some of the insurance, also can choose to insure all insurance。

Glass breakage risk alone, spontaneous combustion loss risk, the new increase in equipment loss risk, is the additional risk of body loss risk, must be insured after the vehicle loss insurance to cover these additional risks。

Car liability insurance, no-fault liability insurance, vehicle-mounted goods fall liability insurance, etc., is a third party liability insurance additional insurance, must first insure third party liability insurance to insure the additional insurance; Insurance is not exempt from special insurance, must be insured at the same time the vehicle loss insurance and third party liability insurance。

( 1 ) third party liability insurance。 Third party liability insurance refers to the insured or its allowed legal driver in the use of insurance vehicles in the process of accident, resulting in a third party suffered personal injury or property damage directly, the insurer in accordance with the provisions of the insurance contract, for more than motor vehicle compulsory insurance compensation limit part of the liability for compensation。 The third party does not include the insured and the insured vehicle personnel at the time of the accident。

( 2 ) vehicle loss insurance。 Vehicle loss insurance is refers to the insurance vehicle insurance liability within the scope of natural disasters ( excluding earthquakes ) or accidents, resulting in the loss of insurance vehicles themselves, the insurer shall bear the liability for compensation insurance according to the provisions of the insurance contract。

( 3 ) the car personnel liability insurance。 Car personnel liability insurance is refers to the insured or its allowed legal driver in the use of insurance vehicles in the process of accident, resulting in the car personnel casualties, according to the law shall be borne by the insured liability for damages, the insurer shall bear the liability for compensation in accordance with the provisions of the insurance contract of insurance。

( 4 ) the whole car stolen rescue。 The whole car stolen rescue is refers to the insurance vehicle stolen, robbed or robbed, the insurer according to the provisions of the insurance contract shall bear the liability of compensation insurance。 After compensation, the insurance liability is terminated, and the rights and interests of the vehicle shall be owned by the insurer。

( 5 ) glass breakage risk alone。 The risk of glass breakage alone refers to the insurance of the insurance vehicle glass breakage alone, the insurer shall bear the liability for compensation。 The applicant according to the imported glass or domestic glass choose to insure, pay the corresponding insurance premium, the insurer shall bear the corresponding liability for compensation。

( 6 ) the body scratch loss insurance。 Body scratch loss insurance refers to the insurance vehicle body scratch caused by the repair of the loss, the insurer shall bear the liability for compensation insurance。 During the use of the insurance vehicle, if there is no obvious collision trace of body scratch loss, the insurer shall calculate the compensation according to the actual repair costs, but the cumulative amount shall not exceed the amount of insurance。

( 7 ) spontaneous combustion loss insurance。 Spontaneous combustion loss insurance refers to the loss caused by spontaneous combustion of insurance vehicles in the use process and reasonable rescue costs, the insurer shall bear the liability for compensation of insurance。

( 8 ) the vehicle stop loss insurance。 Vehicle suspension loss insurance refers to the insurance accident within the scope of the insurance vehicle loss insurance, resulting in damage to the body, resulting in the loss of vehicle suspension, the insurer shall bear the liability for compensation stipulated in the contract of insurance。

( 9 ) new equipment loss insurance。 The new increase in equipment loss insurance refers to the insurance vehicle in the use process, due to traffic accidents, resulting in the direct damage of the new increase in equipment on the car, the insurer shall bear the liability for compensation insurance according to the provisions of the insurance contract。

( 10 ) no - fault liability insurance。 No - fault liability insurance is refers to the insurance vehicle and non motor vehicles or pedestrians traffic accident, resulting in the other party's personal injury or property damage directly, the insured vehicle without fault, but still often inevitably bear economic liability for compensation, the insurance company is responsible for compensation in accordance with this clause of the insurance。

( 11 ) the car cargo liability insurance。 Car cargo liability insurance is refers to the insurance vehicle accident occurred in the process of use, resulting in direct damage to the goods contained in the insurance vehicle, according to the law should be borne by the insured economic liability, the insurer shall bear the liability for compensation in accordance with the provisions of the insurance contract insurance。

( 12 ) vehicle cargo drop liability insurance。 Vehicle - borne goods fall liability insurance is refers to the insurance vehicle in the use process because of the goods dropped from the car, resulting in third party casualties or property damage directly, according to the law shall be borne by the insured economic compensation liability, the insurer after deducting the compulsory insurance shall compensate part, in the insurance policy specified in the compensation limit calculation of compensation insurance。

Special terms excluding odds。 Excluding odds special terms refers to the special agreement, after the occurrence of an insurance accident, in accordance with the insured to choose to insure third party liability insurance, vehicle loss insurance, car personnel liability insurance or the whole car stolen rescue accident liability exemption odds calculation, shall be borne by the insured to pay the amount of free compensation, the insurer is responsible for the compensation of the insurance。

The function of automobile insurance is to organize economic compensation and realize the payment of insurance money。

After the occurrence of an insurance accident, the insured shall, in accordance with the insurance contract, request payment of the insurance premium, which is called " claim"; An insurance company handles claims under an insurance contract until payment of insurance benefits is referred to as a " claim"。 Insurance claims do good or bad, directly related to the benefits of the insurance company and the interests of the insured, is an important part of the insurance business。

After the occurrence of an insurance accident, the insured has the right to obtain compensation。 After the insurance company on the scene of the accident survey, according to the nature of the accident and loss to determine the amount of compensation, in the case of the insurance company and the insured have no objection to the amount of compensation, signed a compensation agreement, pay compensation within ten days。

I hope I can help you like it

Final redaction tip！

After buying insurance to do: small things don't often claim, it is best not to more than four times a year。 Because if the first year out more than four times, many insurance companies will refuse to protect。

If zero claims within one year, in accordance with the provisions of the CIRC, the following year's insurance minimum discount can reach 70 %。

Buy a car you want to understand the car, you want to choose me。 The car steward around you。 Welcome to us！ Daily updates, do not understand the problem you can also actively leave a message。 We'll answer them one by one

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