This paper/This print journalistYang Sen

Many owners think, buy "all risks", guaranteed the car no danger of anything going wrong, as everyone knows, "all risks" does not "lose", some special circumstances must have additional risk corresponding to these features, and unique insurance types are often the majority of owners ignore.

There are many misunderstandings of people on the car, some want to have comprehensive protection of the owner, tend to choose the "all risks" the insurance approach, think in this way, no matter what the problem is, all can get a claim.

The so-called "all risks", refers to the compulsory insurance+Car damage insurance+The third party liability insurance+Pilfer insurance portfolio, cross strong insurance and third party liability insurance for the car third in damages, Che Sunxian responsible for the vehicle itself damages, responsible for the whole vehicle pilfer missing vehicle. Although conventional accidents and loss has been covered, but not all can get compensation, such as broken glass, the body is zoned, car spontaneous combustion, the engine was flooded, only the special insurance can claim.

1Non deductible insurance -- the deductible part can compensate

In the absence of this product, the insurance company in compensation for the car damage insurance and third party liability insurance within the scope of the loss of vehicles, according to the accident responsibility determine the proportion of compensation: when the full responsibility for the owner, just compensation80%; responsible owners, compensation85%Bear coequal responsibility compensation90%Negative secondary responsibility for compensation95%The remaining part; the owner to pay.

If the non deductible insurance, whether the owners what responsibility, insurance companies are required to pay the full, the owners no longer pay, equal to the franchise of the risk to the insurance company. Such as Mr. Wang accidentally hit a telegraph pole, cause5000Yuan loss of vehicles, such as no non accompany risk, insurance company only compensation4000Element, and if Mr. Wang for the insurance, you can get the full5000Yuan compensation. Although this insurance is very practical, but neglected.

I have to know: not all "deductible" are available through this insurance to avoid, especially for no responsibility "Add button, such as vehicle franchise" danger, many person to drive out and pilfer claims due to the loss of key and increase the franchise, will not get the claim. Mr. Wang if repeated accidentally "unilateral accident", will eventually lead to the risk of being rejected.

2Wading insurance -- flooded the engine to separate insurance

As an additional risk, wading insurance is to add additional car damage insurance. Car caustic danger liability caused due to heavy rain and other natural disasters, car damage, but does not include fault led to the engine inlet, and related marine supplement is this part.

Such as Wang's vehicle flooded after the engine and interior damage, repair the engine cost3Million yuan, other components3000Yuan, Wang only car caustic danger without wading insurance, the insurance company can compensate3000Yuan, the rest3Million to Lao Wang himself.

Engine inlet damaged when it occurs in water flooded flameout, especially the owner attempts to start the ignition after flameout, suffer the most, "two fire" damaged so many insurance companies as the exclusion range.

I have to know: wading insurance itself15%~20%The deductible ratio, due to engine repair cost is in five digits, even up to six digits, so the best and additional risks "non deductible insurance" the combination, to minimize losses.

3The spontaneous combustion risk -- old car spontaneous combustion danger

Spontaneous combustion does not belong to the car damage insurance "fire" the scope of compensation, although its probability is not high, but once the most losses. When a fault occurs on the vehicle electrical appliances, circuit, fuel supply system, air supply system, even by the goods caused by spontaneous combustion, the insurance company will compensate the loss according to the vehicle. Under normal circumstances, vehicle age more long more prone to spontaneous combustion, of course, vehicle age is high insurance rate is high.

I have to know: the new car in the warranty period is not necessary to buy the risk of spontaneous combustion, in no change circuit in the case of spontaneous combustion can be directly to businesses beyond the warranty claim, the vehicle to buy risk of spontaneous combustion is only meaningful.

4Scratch risks -- new novice should buy

Only when the body was no dent, can claim; if there is a collision, the car damage insurance compensation. For example, Mr. Wang will be parked on the roadside, second day found the door was designated a way, if he bought the scratch insurance, then can go to the insurance company for compensation. Cut loss tens of thousands of yuan yuan, the more frequently the open park the vehicle, the more necessary to buy scratch risks; novice due to possibility of loiter high, also can consider to buy.

I have to know: under normal circumstances, the insurance company only allows3Years within the new car purchase scratch insurance fraud, because more, some firms to cancel the insurance.

5Glass insurance -- imported glass vulnerable

Compensation will be given only when the windshield or windows broken glass alone, accidents caused by the glass breakage in addition to the scope of the compensation. For example, Mr. Wang on the road when stone hit the windshield glass is broken, can use glass insurance claims, and if not cast glass insurance, is unable to obtain compensation. Owners need to choose the compensation of domestic or imported glass in the glass to buy this insurance, the use of imported cars, imported glass owners, this insurance is more important.

I have to know: the product inside the car smashed glass and glass roof breaking compensation scope belongs to the automobile physical damage insurance, insurance has nothing to do with the glass.

6The new device to increase the risk of loss -- the new equipment should be arranged separately

Many people like to add audio, video, car seat, refrigeration and equipment, but the equipment is not in the car damage insurance coverage, increase equipment loss insurance is dedicated to provide security products for such items, expansion is the main insurance car damage insurance. But against this insurance, does not represent the new equipment damage can have compensation, such as in the absence of traffic accident under the condition of natural damage, or theft, will not receive compensation.

I have to know: If leaving the safe hidden trouble owners new equipment and did not notify the insurance company for compensation after the accident, not.

7Whole vehicle pilfer -- the whole car stolen to compensate

When the total loss of vehicle theft, robbery, robbery and the vehicle, and it caused damage to the vehicle or the car parts, ancillary equipment loss and other losses, the insurance claims. Unfortunately, only when the whole car theft, the insurance can play a role. If only the car parts or ancillary equipment was stolen, for example, to wake up and find the car without wheels, or the car's wallet was stolen, this kind of situation will not receive compensation. In addition, car charge compensation if the lack of corresponding items, especially the car keys lost will buckle franchise, unable to obtain full compensation.

I have to know: in the parking fees of vehicle theft and robbery, rub, the insurance company is not liable, the claim should be referred to the parking lot.

8Insurance has the distinction of the vehicle officers liability insurance and accident --

When the vehicle after a traffic accident, only to buy the insurance, the insurance company will compensate for the car casualties. Insurance is different from ordinary accidents, accident compensation object is specific to the insured, the vehicle officers liability insurance for the insured vehicle in the anonymous staff. In other words, when the accident occurred, all the people in the insured vehicle is in the insured.

I have to know: the scope of compensation for death and disability insurance, car personnel liability insurance include funeral expenses, medical expenses, lost income, more widely, high amount but can not be accident insurance. The two are not mutually exclusive, but a complementary relationship.