【 figure 】 don't understand the car insurance look here to teach you how to buy the most cost - effective

Insurance coverage is more, many owners do not know how to choose, which is must buy which is not to buy？

Compulsory insurance: Is by the insurance company of the insured motor vehicle road traffic accident caused by the victim ( not including the car personnel and the insured ) of personal injury, property losses, within the limits of liability to be compensated for the compulsory liability insurance。

Third party liability insurance: Generally points 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan and other grades, three, now the insurance company requires a minimum of 200,000 to underwrite, small proposal to buy 500,000 start, it is best to buy 1 - 2 million, after all, local tyrants are very much, if accidentally met a luxury car, 50,000 yuan class is not enough to compensate。

Car damage insurance: If it is oneself which day accidentally hit his car, collision, scraping ( injury, eliminate scratches suspected ), flooded with fire, the sky fell something smashed is compensable。 Note, however, that earthquake and terrorist attacks insurance companies do not pay for just hitting glass, lights, wheels, tires or rear-view mirrors。 The engine damage caused by flooding is also not worthy, this to buy alone。

And a third party is not exempt from compensation。 Excluding the additional risk of three liability insurance or car damage insurance, can not be purchased separately。 Many owners do not understand what is the meaning of the third liability insurance, for example, if in a traffic accident, you are fully responsible, resulting in three responsibilities need to bear the loss of $ 10,000, all for reimbursable projects, then the insurance company only compensate you $ 8,000, exempt from 20 % you need to bear, because you are full responsibility。 But if you cast a non-compensable risk, then the same accident, the insurance company compensate you ten thousand, 20 % of the non-compensable insurance company also bear for you。

Scratch risk: If it is a new car, driving environment is bad at ordinary times, there is no formal parking lot, community outside Xiong Haizi and much more special, the small or suggest to buy a good。

Water - related risks: This how to say, the owner of the north don't have to consider, the owner of the south met the rainy season afraid of his car flooded to buy it。

Self - combustion insurance: Now the car has a warranty period, in the warranty period appear spontaneous combustion problem can find manufacturers, so after the warranty period can buy。 In addition, the self-insurance loan car must be required, not the loan doesn't matter

Glass risk: Many cars to scrap will not be smashed a glass, even if smashed to change a also don't have much money, so there is no need to buy。

Vehicle loss insurance: Is mainly responsible for the natural disasters or accidents caused by the insurance of the vehicle's own loss of liability。

The whole car stolen rescue: When the vehicle due to theft, robbery, robbery caused by all the loss of the vehicle, and during the period due to damage to the vehicle or the loss of spare parts and accessories caused by the loss of liability。

Let's talk:

In fact, if you are a city car, only need to pay strong insurance, the third liability insurance, car damage insurance and additional insurance is not exempt from compensation, if you are in a special area, can be considered according to their own situation。

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