Anbang insurance Classroom: a car insurance classification

  With the improvement of life quality, more and more people have motor vehicle. Appropriate choice of insurance for the car, can remove any menace from the "rear", provide better protection for their own. Anbang insurance experts to remind you, choose the insurance before the first car insurance, should have a clear understanding, not only to all kinds of insurance do not know how to choose.
   Motor vehicle insurance is not valued insurance, divided into the basic insurance and additional insurance, the additional risk is not independent of the insured. The basic risks including the third party liability insurance (three party insurance), the vehicle damage insurance (CDW), the vehicle officers liability insurance (the driver and passenger liability insurance liability insurance) and the whole vehicle pilfer (stolen); additional risks include breakage of glass, spontaneous combustion risk of loss, no fault liability insurance, vehicle cargo liability insurance, the vehicle to stop loss insurance, additional insurance, non deductible loss equipment special insurance etc.. Usually said cross strong insurance (i.e. the compulsory motor vehicle traffic accident liability insurance) insurance third party liability is broad, cross strong insurance is compulsory motor vehicle insurance, must purchase to the road, the annual inspection, listing, and the loss occurred in third persons in need of claims, must first pay compulsory insurance and other insurance coverage.
Third party liability insurance vehicle accidents in use by others (i.e. third) direct damage liability for personal injury or property. Crash or crash is most afraid of driving, their car loss is not, but also spend a lot of money to compensate other losses. Because the cross strong insurance (2008 Edition) in third medical costs and property damage compensation is low, in the purchase of insurance to pay strong still consider the purchase of the third party liability insurance as a supplement.
Whole vehicle pilfer responsible for compensation insurance vehicle due to theft, robbery, plundered all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. The loss of the vehicle can be obtained after the actual value of vehicle from the insurance company (in policy agreement shall prevail) 80% compensation. If the insured person missing car keys, you can only get 75% compensation.
  The vehicle damage insurance for compensation due to natural disasters or accidents caused by the loss of the vehicle itself. This is the most important vehicle insurance insurance. Insurance and does not guarantee the insurance, need to weigh its influence. If it is not guaranteed, vehicle collision repair costs all by themselves.
The vehicle liability insurance for the liability insurance of vehicle accidents caused by direct damage to goods carried by the car personnel casualties and the car. The liability of the personnel on the car casualties of the past is the driver of the passenger accident insurance.
No fault liability insurance vehicle in use process, because of the traffic accident and non motor vehicles, pedestrians, causing the other casualties and direct property damage, insurance vehicle shall bear no liability for compensation. If the insured person refused to compensate each other and failed, the insured has been paid to unable to recover the cost, Anbang insurance company according to "approach to road traffic accidents" and out of the local road traffic accident by a single standard in insurance as the insurance compensation limits calculation. Each compensation are 20% absolute 免赔率.
Vehicle cargo liability insurance vehicle in use process, economic liability directly damaged cargo off result in third suffers from a personal injury or property arising from the. Liability set forth in the insurance policy insurance compensation within the limit calculation. Each compensation are 20% absolute 免赔率.
Breakage of glass of vehicle in the park or in use process, the other part is not broken, only windshield broken glass alone, windshield loss by Anbang insurance company compensation.
The vehicle to stop loss insurance vehicle vehicle damage insurance within the scope of insurance accident, cause body damage, causing the vehicle to stop and produce loss, Anbang insurance company compensation in accordance with the provisions of the following:
(1) part of the loss, the insurance compensation according to the actual number of days of insurance, compensation amount multiplied by the fixed date to the date of completion of the repair in the repair time calculations agreed within;
(2) the whole car damaged, calculation of compensation according to the limit of indemnity of insurance;
(3) during the period of this insurance, the claims of accumulative calculation, the highest for days of insurance. This insurance is the highest agreement on compensation for 90 days, and the vehicle to stop loss insurance is the largest rate is very high, up to 10%.
Spontaneous combustion risk of loss shall be liable to the loss caused by vehicles insurance for vehicles in use due to failure or carry cargo car line, the electrical appliances, oil supply system itself causes a fire burning.
The new device to increase the risk of loss vehicle vehicle damage insurance within the scope of insurance accident, causing direct damage to the car of new equipment, by Anbang insurance company compensation calculated according to the actual loss. No insurance coverage, new equipment loss Anbang insurance company is not liable for compensation.
Above the base of non deductible special insurance only at the same time insurance against loss of vehicle and third party liability insurance can be insured to the insurance. For a motor vehicle the special insurance occurred accident compensation insurance, the calculation of compensation in accordance with the provisions of the amount in accordance with the provisions of the basic insurance deductible amount, the insurer is responsible for compensation. That is to say, to do the insurance after the vehicle, the vehicle damage insurance and three party liability insurance losses, damages by Anbang insurance company. This is 97 years to have a very good insurance. Its value lies in: this insurance does not guarantee, Anbang insurance company in compensation for the car damage insurance and third party liability insurance within the scope of the loss is to distinguish between responsibility: if you take full responsibility, bear the main responsibility for compensation of 80%; 85%; 90% equal responsibility for the negative secondary responsibility for 95%. The accident loss in 20%, 15%, 10%, 5% need your own pocket.
   To understand the types of insurance, insurance insurance is also notes that full coverage, to protect their own interests, but also to avoid wasting money, there are a lot of skills and the matters needing attention, Anbang insurance classroom will have to introduce.