Before and after the Chinese New Year, most friends buy auto insurance, because this is also the peak of buying cars in two waves.
the last time many of my friends asked me, I told you that it was really meaningless to buy all the risks in this 4S store. It's no use. Buy only the most worthwhile ones.
later, I went to supplement the information and took a look. I found that, in fact, all the risks mentioned in 4S stores are not real risks.
I went to my friend PICC and asked him for a contract and terms manual, the most formal one.
after reading this, I found that all risks have many additional risks, which can be considered as all risks.
some of them may be useful to us, but we don't even know about them. Let me share it with you and tell you one by one.
new equipment loss insurance
First of all, it is called new equipment loss insurance. I won't tell you this official definition. In the vernacular, you have to take out car damage insurance before you can buy this additional insurance.
what's the use of this additional risk? We replaced halogen lamps with xenon lamps, and our front bumper was also changed. We take full responsibility for the collision and make up for it with this new equipment loss insurance.
this is a practical car damage insurance, especially for friends who have changed their headlights and installed radar.
cost compensation insurance during the repair period
the cost compensation insurance during the second repair period is that the car has an accident and may need to be repaired, so it can't continue driving.
the insurance company will compensate our car owners for the transportation expenses or the loss of being unable to drive during the repair period.
in general, it is calculated according to the daily insurance amount stipulated in the insurance from the date of repair to the date of repair. Is it a little detour?
The premium is low, and the compensation is higher than the taxi fare
Anyway, my car has been repaired for five days, and it is generally slightly higher than the taxi fare by multiplying five days by the daily insurance amount stipulated in the insurance.
the cost of this insurance is not very high either. If friends often travel, or drive to do business and run business everywhere, it is actually good to choose this additional insurance.
cargo liability insurance on board
The third type is called cargo liability insurance on board. You need to take out third party liability insurance to buy this. You can only buy it, not sell it.
so this means that when the car has an accident and the goods loaded on our car fall to the ground and are damaged, the insurance company will also compensate.
doesn't that sound great? If I buy an SUV, if I buy a minivan, this risk is actually of great significance to us.
there are many exemption clauses, which are applicable to valuables.
but one thing to note is that stealing, robbing, burning a car, or flying down without wrapping it doesn't count.
there are other detailed terms, which may be directly or indirectly caused by your own reasons, so please read this clause carefully before you buy.
it is very practical, but in fact, the scope of application is still very narrow. The most important thing to buy this picture is a huge loss, and a small loss is basically better than not buying it.
Mental damage liability insurance
Let me talk about the fourth and more interesting, mental damage liability insurance.
I didn't often tell you before that I bought a third party, which was more expensive. If I hit someone, I can pay my medical expenses, but the compensation for mental damage will not.
But if you buy this additional insurance, the insurance company can also make compensation if the injured party requests compensation for mental damage.
the premium difference is large, so the difference can be considered.
In this kind of accident, the probability of mental compensation is small, but once it is established, it means that we are streaking like we didn't buy insurance, so it is a high-risk and low-probability event.
Moreover, the price of this insurance varies a lot from different insurance companies, ranging from tens to thousands.
Dear friends, if the insurance price is not very expensive when you buy it, we can really consider it.
no third-party special insurance can be found.
let me tell you the most practical one. You can't find a third-party special insurance. Just listening to this name, something will happen. The third party is responsible.
I parked my car over there and went downstairs to have a look after work in the morning. This mirror and this ear are gone. It was obviously hit by someone else, but no one could find it.
General insurance can only pay 7%
At that time, our general insurance can only get a 3% discount, and the insurance company has an absolute deductible of 3%. Even if there is no deductible, you can only pay 7%.
however, once this insurance is insured, it will be 1% lost, and the probability of this happening to us is not too low.
get up in the morning and shave. We can't find which Xiong Haizi did it. The glass of this mirror is broken, and it just happened that the monitoring upstairs was invalid today. This kind of thing can happen, and this insurance is relatively affordable.
Designated repair shop insurance
Finally, get a little understanding and designate repair shop insurance. This is an additional insurance that you can't buy until you buy car damage insurance.
that is to say, after the loss or accident of our car, we can go to the repair shop designated by the original insurance, which has both advantages and disadvantages.
The advantage is that the premium is cheap.
What are the advantages? If you buy this insurance, there will basically be no difference. Ferrari, Rolls-Royce and Mercedes collided. He said that you have to pay some money to repair this kind of problem, and you can solve it by buying this insurance.
there is another advantage, that is, the general designated repair shop. This premium will be particularly cheap and more cost-effective. Why?
you only bring your business to this store, and this store has a cooperation agreement with the insurance company, so it will be relatively cheap to maintain, so this is a good place.
The disadvantage is that it is troublesome to send it for repair.
The disadvantage is that this designated repair shop is in the east of the city, and I live in the west of the city. The accident happened in the northwest of the city, so I went so far to repair it and then dragged it back.
This risk is basically a more expensive car, such as a luxury car. We don't necessarily need to buy this car when our ordinary friends use it.
I'll just mention the other two today, because as mentioned before, one is called scratch risk and the other is called glass breakage risk, which will be mentioned in the dry goods we have done before.
The newly added equipment loss insurance is more practical
I have talked so much today, and I think several insurances are more practical. Let me summarize them for you today.
first, add equipment loss insurance, buy car damage insurance first, and then add this additional insurance. In this case, we should change the xenon lamp and install a radar.
even if we are fully responsible for these, the insurance company can also pay for our claims. Otherwise, if it is repaired, my information lamp will become a halogen-free headlight, which is more practical.
Compensation insurance and special insurance can also be considered.
Then there is compensation insurance for expenses during repair. If the price is relatively cheap, we can also consider it. Maybe we can rent a car to travel instead of walking, and it will not affect our normal use.
the last thing I think is more useful is that I can't find a third-party special insurance. This is really very practical, and there are many such things.
It's good to know about other additional risks.
I think it's good for everyone to know about other additional risks. The three types I just mentioned are quite practical, and the frequency of occurrence is relatively high, and the price is not very expensive. You can look at your own insurance company.
and what if, for example, my insurance has not expired? Temporarily increase this insurance. If you give him money, he will definitely serve you warmly. You may wish to find out.
I'm telling you so much today because I want to talk about so many things. What people say about all risks may not really mean all risks.
if you really buy all insurance, you may not be able to completely protect our car life, and also make our car expenses reach the most economical and reasonable configuration.
As I mentioned just now, some of the car insurance policies are quite good, while others are totally useless to me.
What kind of insurance is useless when we buy it? We buy auto insurance normally. Which ones are the most cost-effective and cost-effective?
keywords: insurance
today, you just need to go to our "spare tire talking about the car" and reply directly to the keyword "insurance". This article is waiting for everyone to read it here.
"Spare tire talking about car" will give you a practical dry car for more than 6 seconds every day. Today's key word is "insurance", and "Spare tire talking about car" is waiting for you to play. Related Q&A: What types of insurance does all insurance include? All insurance can be divided into compulsory insurance and commercial auto insurance, and commercial auto insurance can be divided into car damage insurance, third party liability insurance, vehicle personnel liability insurance and additional insurance. Motor vehicle insurance (auto insurance for short) refers to a kind of commercial insurance that is liable for personal injury or property loss caused by natural disasters or accidents. Motor vehicle insurance, that is, "auto insurance", is a kind of means of transport insurance with the motor vehicle itself and its third party liability as the insurance subject. Its insurance customers are mainly legal persons and individuals with various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles. In July, 214, China Insurance Regulatory Commission issued the Guiding Opinions on Deepening the Reform of Commercial Auto Insurance Clause Rate Management System (Draft for Comment) to all property insurance companies. It is planned to divide the commercial auto insurance rate into three parts: benchmark pure risk premium, benchmark additional fee and rate adjustment coefficient, and require insurance industry associations to establish a collection, calculation and adjustment mechanism of commercial auto insurance loss data according to the law of large numbers, and dynamically release the benchmark pure risk premium table of commercial auto insurance. In 22, in order to solve the complex problems in the field of auto insurance, realize the high-quality development of auto insurance and better safeguard the rights and interests of consumers, China Banking and Insurance Regulatory Commission issued the Guiding Opinions on Implementing the Comprehensive Reform of Auto Insurance on the basis of extensively soliciting opinions from all parties. The comprehensive reform of auto insurance was officially implemented on September 19, 22. After the reform, the total liability limit for compulsory insurance increased from 122, yuan to 2, yuan, of which the death and disability compensation limit increased from 11, yuan to 18, yuan, the medical expenses compensation limit increased from 1, yuan to 18, yuan, and the property loss compensation limit remained unchanged at 2, yuan. The liability compensation limit is adjusted according to the same proportion, in which the death and disability compensation limit is increased from 11, yuan to 18, yuan, the medical expenses compensation limit is increased from 1 yuan to 1,8 yuan, and the property loss compensation limit remains unchanged in 1 yuan. Reform and support the industry to expand the scope of liability for automobile insurance protection, guide the industry to add the main insurance clauses of vehicle damage insurance for motor vehicle demonstration products to the existing insurance liabilities, such as vehicle theft, glass breaking alone, spontaneous combustion, engine wading, excluding the odds, and inability to find a third-party special agent, and support the industry to develop additional insurance products such as wheel loss insurance and medical insurance external drug liability insurance. The reform also deleted the exemption agreements such as the accident liability exemption rate and the inability to find a third party exemption rate, and deleted the exemption clauses that easily lead to claims disputes in practice. In terms of commercial auto insurance, the coefficient of preferential treatment without indemnity was further optimized.