How to buy second-hand car insurance？ The right choice, benefit for life！
A, full insurance is not what can compensate
A lot of people because don't understand or too trouble, when buying a car thinking about simply on a full risk, anyway, the vehicle out of danger can compensate, save more trouble！ So a look at the former car owners buy all risks are used directly, but many owners may not know" Full coverage is not equal to full coverage" This truth。 General sense of the total insurance includes 15, 16 types of insurance, most of the 4 s shop gives the total insurance includes 8 types of insurance, respectively, for traffic insurance, vehicle loss insurance, excluding non-compensable insurance, third party liability insurance, vehicle personnel liability insurance, the whole car theft and rescue, scratch insurance, glass damage insurance alone。 Among them, the self-combustion insurance is not included。
Second, be careful to fall in" High insurance and low compensation" Set
There are a lot of car owners to old car insurance have encountered this kind of" High insurance and low compensation" The situation。 Net friend a bought a used car worth 50,000 yuan, found that the liability limit on the policy is 100,000 yuan。 This shows that the insurance company is in accordance with the value of 100 thousand yuan to the car insurance, if the vehicle is lost, claims can never go in accordance with the procedures of 100 thousand yuan, but the highest according to the car when 50 thousand yuan for claims。 In fact," High insurance and low compensation" In the insurance industry is also a common routine。 Like netizen a encountered this problem, in the insurance policy issued by the insurance company insurance amount is abnormal should be immediately put forward, and then by the new owner and the insurance company according to the actual value of second-hand vehicles agreed to negotiate, not to new car insurance premium calculation of old car insurance value。
Three, car damage insurance routines more than one
Car damage insurance routines can be more than one, first, the insurance company will generally be in accordance with the purchase price of new cars to determine the amount of insurance。 They will tell you, because the car out of danger need to repair the cost of accessories is based on the price of the new accessories, maintenance fees are also according to the labor costs, so the insurance amount to be priced according to the purchase price of new cars。 In case of total loss, the insurance company will settle the claim at the current actual price of the vehicle。 Part of the damage, the insurance company will be in accordance with the new parts price to pay。 If you are a low-cost second-hand car to buy, the value of the car itself has shrunk a lot, the loss of investment is not very cost - effective。 Second, the car damage insurance according to the actual price of second-hand car after depreciation。 If there is a total loss, the insurance company will pay at the depreciated price。
Four, for illegal rescue to estimate the devaluation of the car price
Stolen rescue insurance is in accordance with the real value of the vehicle to buy the real time, small part of the proposal to buy a second-hand car owners also want to a stolen rescue。 However, what you need to know in advance is that the depreciation value of the private car is based on the purchase price of the new car, and the monthly depreciation rate is about 0. 6 %, the annual depreciation rate of about 7 %, and second-hand car depreciation rate will be higher than the new car。 Owners in the second-hand car insurance, to make a certain estimate of the value of the car and the possible changes in the value of the car, don't spend money in vain。
Five, there is no need to have some insurance
1, more than three years of second-hand cars to consider buying self-combustion insurance。 In general, within three years of new car spontaneous combustion probability is quite low, and even if spontaneous combustion also has the manufacturer is responsible for, within three years of quasi new car self-combustion insurance is not necessary。
2, scratch insurance can't see the car。 Scratch risk is the additional risk of vehicle damage risk, vehicle without obvious collision trace of the body surface paint scratch alone, the insurance company is responsible for compensation according to the actual loss。 But if you buy a second-hand car for your own use, and the price is not expensive, the risk is not necessary。
3, seven cars suggested to buy a car on personnel insurance。 If your second-hand car has seven seats or more, it is recommended that you can buy a second-hand car insurance car personnel insurance, in the purchase of the amount of specific circumstances can be analyzed, after all, talent is the first。
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