Zhuzhou yiyuan �U car friends station auto insurance how to buy the most cost - effective？ A picture shows you how to read auto insurance。

Every time I buy insurance, many car owners friends began to choose obstacles, in addition to have to buy, there are so many kinds, so many standards, how to choose？ But buy insurance is peace of mind, take some idea to understand insurance must not suffer, and can also be left part of the cost。

Many online " teach you to drain the insurance company last drop of blood" article sounds very severe, in fact, but also is to teach you to see through the insurance regulations, let oneself don't suffer。 Here with the car younger sister to see how the old driver to buy insurance。

Auto insurance mainly includes two categories: Compulsory insurance + commercial insurance。

See below left in detail

After reading the picture above, we all know what's going on with auto insurance, small words can't see clearly enough？ It doesn't matter, the following tong mei will continue to take you to see the old driver insurance experience for many years。

Will buy, don't buy illegal series

Compulsory insurance

Compulsory traffic insurance is the legal insurance, but also the necessary guarantee for you and your car, in the event of an accident can greatly reduce your economic burden, resolve disputes, the most important thing is that if not insured, will not be able to sign, transfer, annual inspection, once investigated, will also be detained, and in double premium punishment！

That is, after the accident to pay to each other, your car no matter。 There are deaths, the maximum payment of 110 thousand, injured personnel, the maximum payment of 10 thousand, just repair, the maximum payment of 2000。 In today's social situation, no matter what kind of situation, compulsory insurance is not enough to pay, now the car casually into a 4 s shop repair after 2000, wounding and death, not to mention the money is not enough to compensate for family members。 All the money that exceeds the limit is for you to pay for it。 So it's not enough to buy compulsory insurance！

It is strongly recommended to purchase a family

Third party liability insurance

Refers to the insured or its allowed drivers in the use of insurance vehicles in the process of accident, resulting in a third party suffered personal injury or property damage directly, according to the law shall be borne by the insured economic responsibility, the insurance company is responsible for compensation。

Is also compensate to each other after the accident, you can understand as a further supplement to the compulsory insurance, if the other side of the vehicle and personnel losses more than the proportion of compulsory insurance, at that time the third party liability insurance will come in handy, such as you are fully responsible for each other car spent 12000, compulsory insurance payment 2000. The remaining 1 w insurance company pay only 80 %, the remaining 20 % need you to bear; Buy three also has the highest payment ratio, such as you buy is 300000, so the insurance company to pay you up to 30 w amount, such as injury now need 500000, so the insurance company only pay 300000, the remaining 200000 need you to bear。

It is recommended that this part of the minimum purchase amount of 500000, the best 1 million, why is 1 million, mainly to deal with one thousand hit people compensation, now hit people compensation is very high, 500000 a little less。

Car damage insurance

Just said is each other's vehicles, that your car repair fee？ Car damage insurance is responsible for your vehicle maintenance after the accident。 After the accident, the other side of the vehicle by the first two kinds of insurance is enough to pay, so your own car need to repair with car damage insurance, minimum can pay 85 %, and 15 % of the repair costs need to be borne by you。 If you don't buy this, an accident, not the other party full responsibility, so your own car money to you out, suggest to buy, the reason is clear, an accident repair fee is much more expensive than your insurance premium。

Non - compensable

After handling non-compensable insurance, in the insurance period for vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance, reasonable expenses can enjoy 100 % of the insurance company claims。

Just now said that the insurance company and part is not to pay, such as 20 % of the three, 15 % of the car damage, if you bought a non - compensable, then these would have to bear the cost of your own insurance company will also pay you, don't need to pay for yourself。 This is regardless of the role of compensation。

Vehicle personnel liability insurance

Car personnel injury compensation, or buy it, anyway, also don't have much money, dozens of pieces。

Buying a family is not recommended

Body scratch risk

Use this risk to repair scratches, calculate you out of danger once, the second year premium rise accordingly, not cost - effective, it is better to go to the garage to deal with yourself。

Self - combustion risk

If the vehicle is burnt due to its own cause ( not compensated for by others ), the probability of spontaneous combustion of the new vehicle is low and the cost is not required during the warranty period。

Risk of breakage of glass alone

Note oh, separate damage insurance, is such as you only on the high speed wind was hit by a stone, can compensate, pay attention to not protect skylight, rearview mirror。

Water - related risk

Depending on the probability of flooding in your city

Vehicles in the water is bubble caused by the need of vehicle maintenance fees can be paid, pay attention to your car into the water after don't strike again, strike again after the insurance company is not responsible for compensation, think that is caused by improper operation, you refuse to compensate！

Pirate rescue

( recommended for stolen vehicles )

If you park every day on the side of the road in disorder, suggest buying。 The whole car was stolen to compensate, if you just wheels, rearview mirror stolen, not compensate！ Of course, residential security excellent garage parking, then rest assured don't have to buy。

Third party could not be found

( buy or not )

Early in the morning, for example, you got up and went downstairs to find your car was hit, also don't know who hit, the insurance company to pay you 70 % of the repair costs, the remaining 30 % to your own responsibility, this cannot be used without compensation。

The above risks miscellaneous miscellaneous eight, some people feel that the purchase is not cheap, but pay attention to, if you didn't make a risk last year, then the next year's premium will be corresponding to the discount, but can reach a minimum of 5 %。

So, Novice are prone to accidents and nee to buy insurance against repair costs, Akiyama great god for many years without accident more need to buy insurance, Secure at the best price。

Insurance for peace of mind, car I hope you'll have an accident on your way, Never need insurance coverage！

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