[ figure ]how to buy auto insurance purchasing skills more cost - effective

Many consumers for the concept of insurance is still relatively vague, in the purchase of new car insurance, car insurance in addition to compulsory insurance, there are a variety of additional risks�� How do we choose to buy insurance for our cars��

���� Compulsory insurance: strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the party hit, and the payment amount is limited, the maximum limit is 12. $ 20,000��

���� Third party commercial liability insurance: this kind of insurance is a supplement to the strong insurance, the 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��

���� Car damage insurance: with the front two biggest difference, is the car damage insurance payment object is the insured person, 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:

���� Scratch risk: if there is no obvious trace of collision scratch paint, car damage risk is not paid, then scratch risk will play a role�� But in the public security, parking environment is good, the risk can not buy��

���� Self - combustion insurance: if the vehicle is still within the warranty period, the manufacturer shall be responsible for the occurrence of spontaneous combustion, and pay attention to the premise that the circuit of the original vehicle is not reconstructed without permission�� If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance��

���� Water - related risk: 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��

���� No compensation: the above compensation is not full compensation, if there is no compensation insurance, in the event of an accident, should be responsible for the 5 % to 20 % of the liability, and then passed on to the insurance company��

���� Matters needing attention

���� 1, small cut rub their processing, find the insurance company time and effort, also leave a risk record��

���� 2, renewal should not be too early / too late, it is recommended to renew about 5 days in advance��

���� 3, be sure to go to the formal insurance company, or agency��

���� 4, car insurance is a guarantee, the ultimate driving safety, also have to rely on their own��

Many consumers for the concept of insurance is still relatively vague, in the purchase of new car insurance, car insurance in addition to compulsory insurance, there are a variety of additional risks。 How do we choose to buy insurance for our cars？

　　 Compulsory insurance: strong insurance is compulsory by the state, when the vehicle accident occurs, the payment object is the party hit, and the payment amount is limited, the maximum limit is 12. $ 20,000。

　　 Third party commercial liability insurance: this kind of insurance is a supplement to the strong insurance, the 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。

　　 Car damage insurance: with the front two biggest difference, is the car damage insurance payment object is the insured person, 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:

　　 Scratch risk: if there is no obvious trace of collision scratch paint, car damage risk is not paid, then scratch risk will play a role。 But in the public security, parking environment is good, the risk can not buy。

　　 Self - combustion insurance: if the vehicle is still within the warranty period, the manufacturer shall be responsible for the occurrence of spontaneous combustion, and pay attention to the premise that the circuit of the original vehicle is not reconstructed without permission。 If you buy a self-insurance policy during the warranty period, it is equivalent to repeated insurance。

　　 Water - related risk: 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。

　　 No compensation: the above compensation is not full compensation, if there is no compensation insurance, in the event of an accident, should be responsible for the 5 % to 20 % of the liability, and then passed on to the insurance company。

　　 Matters needing attention

　　 1, small cut rub their processing, find the insurance company time and effort, also leave a risk record。

　　 2, renewal should not be too early / too late, it is recommended to renew about 5 days in advance。

　　 3, be sure to go to the formal insurance company, or agency。

　　 4, car insurance is a guarantee, the ultimate driving safety, also have to rely on their own！

---