Insurance editor to help you answer, more questions can be online Q&A.
Only the third-party liability insurance is mandatory in car insurance. The other is their own voluntary, mainly divided into the basic and additional insurance, which basic
The basic insurance including vehicle damage insurance and third party comprehensive insurance, additional insurance including the basic insurance does not count the deductible, car theft insurance, glass alone broken insurance, scratch insurance, car
On the personnel insurance, spontaneous combustion loss insurance, no-fault liability insurance, the loss of the vehicle stopping loss insurance, the loss of the new equipment, the fall of the cargos and other 11 kinds of insurance.
Generally speaking, the more types of insurance, the more protection you get, the higher the rate of insurance for the basic insurance of vehicle damage, third-party liability insurance,
Additional insurance in the basic insurance exclusion, followed by theft insurance, glass breakage insurance, scratches insurance, car occupancy insurance and so on.
One of the types of automobile insurance: vehicle damage insurance (main insurance)
Vehicle damage insurance refers to the insurance vehicle suffered insurance liability within the scope of natural disasters (excluding earthquakes) or accidents, resulting in the loss of the insurance vehicle itself
Losses, the insurer in accordance with the provisions of the insurance contract to pay compensation. This is just the opposite of the third party is to take care of their own, if you love your own car to buy.
The second type of automobile insurance: third party liability insurance (primary)
It is a mandatory insurance, which is required for the annual review of the car. The qualified driver in the use of the insured vehicle in the process of an accident caused by the third party's property
direct loss and casualties. With the current payout standard, it is recommended to buy a minimum of 100,000 yuan, the best buy 200,000 yuan or 500,000 yuan, especially novice or in
intentionally flying car friends and work pressure is not easy to concentrate on friends, but also because of 50,000 yuan, 100,000 yuan, 200,000 yuan of the price of the difference is not very big, in short, this
Insurance to buy a large their own peace of mind.
The third type of auto insurance: theft insurance (additional insurance)
If your car in the use of the process has been in a relatively reliable, safe parking lot, commuting to work in the road is not particularly secluded
road, you can consider not to insure the theft insurance, but if your car belongs to a very common, the loss of a high rate of car models, then be sure to insure the theft insurance.
Types of auto insurance No. 4: Car seat liability insurance (additional insurance)
Car occupant liability insurance is not recommended. It is recommended to consider life insurance products separately, the coverage and premiums are generally lower and better. If your
car often has friends sitting in it, then you can also consider buying a little bit, but do not have to buy too much, the coverage in the 10,000 yuan to 20,000 yuan per seat is enough.
Auto insurance types of five: glass alone broken insurance (additional insurance)
The use of the process of glass alone broken, pay attention to the word "alone", and such as other accidents caused by the car damage insurance has to pay, so
such as the Department of domestic cars, glass is not expensive, want to save money may not be The company's website has been updated with the latest information on the company's website.
The sixth type of auto insurance: spontaneous combustion insurance (additional insurance)
Vehicles in the process of driving, due to the car electrical, wiring, fuel supply system failure and carrying goods spontaneous combustion causes fire, resulting in vehicle damage
and the reasonable cost of salvage paid. It is a new car is not recommended to buy, more than three years of the car is recommended to consider.
The seventh type of automobile insurance: scratch insurance (additional insurance)
In the process of use, cut and scratched by others (no obvious signs of collision) need to repair the cost of the general new car, newcomers to buy.
Types of automobile insurance No. 8: deductible (additional insurance)
Vehicle damage insurance or third-party liability insurance caused by an accident resulting in compensation, which corresponds to the amount of the deductible (20%) borne by the insured, by the
insurance company is responsible for the compensation.
Types of Auto Insurance No. 9: Deductible (Additional Coverage)
The insurance company will be responsible for paying the deductible amount (20%) corresponding to the amount borne by the insured for the compensation caused by the vehicle damage insurance or third party liability insurance accident. Deductible-additional insurance is almost a must-have good insurance, it is recommended to add. Especially for newbies, it will be useful to add, especially if you run into
a big accident damage, this insurance can greatly reduce your losses.
Vehicle damage insurance is a must
Whether you have a new car or an old one that you have been driving for two years, vehicle damage insurance is a must. Even if you are a good driver and have a good route from
to commute to work when there are fewer cars, but as the saying goes, "fear not, fear not". Maybe one day touched, scratched, to the repair shop a little
Repair to be a lot of money, the insurance will not have to rush. Of course, if you have a familiar friend specializing in the repair industry, and you do not have to spend money
the case, you can not insure this.
Third party insurance compensation limit clever choice
Third party liability insurance limit **** there are several different grades, different grades of compensation limit difference is very big, but the corresponding premium difference is not big.
It is recommended that if you need to choose between two grades of coverage, you can go up one grade to insure.
Car liability insurance have tips
If your car often rides in the family, and you and your family members have been insured in the life insurance of accidental injury insurance and accidental medical insurance, then
why as a private car, there is no need to take out a car liability insurance, because the accidental injury and accidental medical insurance provides the coverage basically covers
The car liability insurance can be used in this kind of car, but it is not necessary to take out a car liability insurance, because the accidental injury insurance and accidental medical insurance provides a basic coverage
The car liability insurance can be used in this kind of car. p>The coverage provided by the accident and accident medical insurance basically covers the liability insurance in this case. Alternatively, if you meet the above criteria but do not have accidental injury or accidental
medical insurance, it is advisable to take out an accidental insurance policy as the premiums are much lower than those of a car liability insurance policy and it also covers you for damages caused by accidents other than traffic accidents.
If you do not have accidental injury or accidental medical insurance, it is advisable to take out an accidental insurance policy.
If you often have different passengers in your car, it is better to take out liability insurance so that you can use it to cover
medical expenses in the event of a traffic accident. When choosing the number of seats to be insured, it is recommended that you take out insurance based on the authorized seats. If you take out insurance based on the authorized seats, the rate is
0.5%; if you do not take out insurance based on the authorized seats, the rate is 0.9%.
Insuring glass insurance, see the type of glass
When insuring glass insurance, pay attention to the choice of imported glass insurance or domestic glass insurance, the premium difference between the two is very large. Because of the domestic auto glass quality
excellent price, completely comparable to foreign countries, so you can consider choosing the domestic glass, so that you can save about half of the insurance premiums. Some car owners are very
love their cars, is like the original, we have to choose the imported glass, if the insurance did not pay attention to the type of glass insurance, the results of the change of glass
only to know that the insurance is domestic glass insurance, the insurance company to pay for the glass can only be domestic, it will be very depressing.
Not deductible insurance to choose
It is recommended that you best insure the deductible insurance. Because in the car damage insurance and third-party liability insurance, the insurance company has in accordance with your
responsibility in the accident compensation for the actual loss of 80% -95% of the agreement, which may make you in the future in the actual compensation for a relatively large loss. Statistically, the most common types of insurance used by car owners in an accident
are car damage insurance and third party liability insurance, and by taking out a deductible insurance policy, you will be able to
receive 100% compensation for the losses you are liable for on both types of insurance.