The common types of insurance

When choosing a difficult after we finally to buy their own car, next is the sign and handle all kinds of insurance matters. Look, give the car insurance is also quite easy, convenient didn't even ask to just buy. In fact, some categories we rarely involved, more do not have to pay should not be spending money. After all, keeping a car for a lot of people are not too easy, need to be very careful in reckoning everywhere. According to the author and other car experience, insurance accounts for each car costs 1/3 to 1/4 spending. Visible in the Volkswagen Group, the insurance investment has accounted for a big cost equivalent of late. How to be more economical and more rational purchase insurance, is the key below to talk about.

The common types of insurance

The vehicle damage insurance
The vehicle damage insurance refers to insurance within the scope of insurance liability vehicle suffered natural disasters (not including earthquake) or accidents caused by the vehicle itself, the insurance provisions of the insurance loss, on the basis of contract of insurance compensation.

The third party liability insurance
A qualified driver in use by accident insurance vehicle process caused by third of the direct property loss and casualties.

Pilfer
Insurance liability whole vehicle pilfer of motor vehicles for the whole car was stolen, robbed, robbed the vehicle caused the loss and theft, robbery, were looted or damaged during the car parts, ancillary equipment lost the reasonable expenses needed to repair. Visible, motor vehicle whole vehicle pilfer insurance liability includes two parts: one is due to theft, robbery, robbery caused a loss of vehicle insurance; two is due to the insurance of vehicle theft, robbery, robbery of reasonable cost expenditure. The two part of the cost of the insurance company is responsible for compensation in the amount of insurance.

The car seat and liability insurance
The car personnel liability insurance for the insured vehicle accidents, causing the car driver or passenger casualties caused by the cost of losses, and paid for the necessary and reasonable to reduce the loss of the rescue, protection expense.

Broken glass alone
That occurred during the car broken glass alone, pay attention to "separate" word, and such other accidents, Che Sunxian can also compensate.

Risk of spontaneous combustion
Vehicles in the process, because the vehicle electrical appliances, circuit, fuel system faults and load causes spontaneous cargo on fire, causing the reasonable expenses paid by the loss of vehicles and rescue.

Risk of Nick
In the process of using, being cut plan (no significant dent) to repair costs.

Irrespective of percentage
Vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear (20%), the insurance company responsible for compensation.

Not deductible
Vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear (500 yuan), the insurance company responsible for compensation.

Compulsory insurance
Compulsory insurance is the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the insured) casualties, property losses, shall be compulsory liability insurance compensation within the limit of liability.

New equipment loss insurance
New equipment loss insurance is responsible for direct damages vehicle collision accidents on the car of new equipment. The new equipment is in addition to the original equipment vehicle, the owner added equipment and facilities. Such as: CD, DVD and video equipment, GPS vehicle positioning terminal, leather or the electric chair etc..

The insurance types and how to claim the date after be or get out of danger:

The 1 cross strong insurance
Respected index: ★★★★★ (to buy)
Refers to the insurance company to the insured motor vehicle road traffic accidents caused by the vehicle, be casualties, property loss insurance victims except the people, be compulsory liability insurance compensation within the limit of liability. Compulsory motor vehicle traffic accident liability insurance liability limit of 60000 yuan, including death and disability compensation for 50000 yuan, 8000 yuan for medical expenses, property damage compensation 2000 yuan. And the insured has no liability in traffic accident, the compensation limit respectively in accordance with the above three limits 20%.
2 the vehicle damage insurance
Respected index: ★ ★ ★ ★ ☆ (optional)
Responsible for compensation due to natural disasters or accidents caused by the loss of vehicle. This is the main line in automobile insurance. If you do not report to the insurance, the vehicle collision after the repair cost of the insurance company is not responsible for compensation, all from his pocket, for example: Express waste vehicles, repair costs very low without this insurance. Need to pay attention to is, car damage compensate maximum is your insurance amount, the current vehicle of low value that, in other words, even if the insured you follow the 200000 and even higher amount of money, spend money is white.
3 third liability insurance
Respected index: ★ ★ ★ ★ ☆ (optional)
 Due to strong insurance to pay only the amount of 60000 yuan, therefore, we need to consider the purchase of commercial three party insurance. As for the line, can be judged according to their own circumstances, proficiency is the main factor driving myself, if the driving experience, can be considered less to buy or not to buy, but for most just to the driver's license test riders, suggest to buy a certain amount of the commercial three party insurance.
4 whole vehicle pilfer
Respected index: ★ ★ ☆ (optional)
The whole car loss will only be paid, the car parts missing is not compensable, such as some time ago, if you said the spare tire is lost, in addition to complain that the thief too hard, there is no other way. Of course, the loss of the vehicle when the other property inside the car no matter how precious, is white lost. If your parking position is reliable, work unit parking, parking is also very reliable home, then consider not to buy the insurance. On the other hand, suggest to buy pilfer rush to deal with an emergency.
5 non deductible special risks
 Respected index: ★ (optional)
  When a vehicle damage, three insurance accident, traffic police judgment is very important, if the full responsibility for each other, not your insurance company to pay for it, but if you have certain responsibility (full responsibility, equal responsibility, responsibility, etc.) franchise your insurance company will have the right to your duty ratio the size of a certain proportion of the. But because the insurance premium is a ghost, if your sense of traffic, driving, parking safety degree is high, buy this kind of little significance.
5 spontaneous combustion risk of loss
Respected index: ★ (optional)
This is the new increase in 1997 is planted, it damages due to failure or carry cargo car line, the electrical supply system, their own reasons for the loss caused by fire vehicle. In the categories of value is not great, but the rate is not low (0.4%). The real vehicle self ignition accident rarely, more than 100000 yuan in high-grade car spontaneous combustion, even less. In addition, the vehicle ignition if related to quality, manufacturers deal with liability. Therefore does not recommend this kind of insurance.
6 vehicle liability insurance
Respected index: ☆ (optional)
Due to traffic accidents caused by driver, passenger accident insurance to compensate for the losses, buy insurance, completely is a kind of psychological comfort, at a map. If you buy life insurance, accident insurance, can consider not to buy.
7 glass breakage
Respected index: ☆ (optional)
If your car is not very high, the wind speed value is not very high. Because the rate is too high: domestic car fare rate of 0.15%, import car of 0.25%. For example, a value of 120000 yuan car windshield of the premium is 180 yuan, but a front windshield was 300 or so, can not consider.
8 no fault liability insurance
Respected index: ☆ (optional)
  Charge or the rear of vehicle insurance, no fault party, should not assume liability to pay compensation. But for some reason, the actual paid each other and unable to recover the cost, the insurance company responsible for compensation. But every time there are 20% franchise, that is up to 80%. General household car insurance is of little significance.
9 new equipment increased risk of loss (optional)
When your vehicle mounted air conditioning, CD audio, alarm, leather seats and other equipment with the factory is not the vehicle, can be considered for new equipment increased risk of loss. After insurance, accident damage in these devices can receive compensation from the insurance company. These devices are usually installed in the car when the accident happened, rarely hit. So the purchase of little value.

 

                          After the Chuxian how claims
A report in a timely manner
  After the traffic accident, we must first time. In addition to the traffic management departments to report, but in 48 hours to the insurance company. For unilateral incident, direct dial telephone, can be damaged to a set of qualified auto plants specializing in the report and charge.
Two. Damage to the main responsibility of the insurance company
 For both incidents, must call the 122 traffic police station, the traffic control department finds both the responsibility, and issue the relevant responsibility confirmation; followed by the main responsibility of the insurance company to report, the parties to insurance company insurance.
Three proved to provide complete
 The report shall provide the following documents: proof or within the period of validity of the original insurance policy; insurant ID; after passing the annual inspection of the insured vehicle permit; at the time of the accident the driver's driving license; the driving license must be examined and qualified and identified in the quasi driving type range; road traffic accident belongs to shall provide a certificate issued by the traffic control department of the accident; non road traffic accident belong, should provide proof of the corresponding accident; should an accident arising from the loss of inventory and costs related documents.
 Four.10 domestic claims documents
  The above procedures are complete, you can be on the underwriting of insurance company or the loss of qualified auto plants specializing in the photograph, damage, claim. All losses in the restoration of the former, must be fixed by the loss of a link, with the approved projects and the amount of loss. After the scheduled loss, can repair damaged vehicles. After the accident, 10 days of the claim documents to the insurance company, the compensation from the insurance company is calculated, and then the insurance company will notify the receiving compensation.

 

 

                              Purchase a car insurance auto insurance types do not what province

Now more and more people buy cars, auto insurance has become a must consider the consumer purchase a car when the problem, then as a novice driver, car insurance, should understand what insurance knowledge? Here, insurance experts some choice of insurance kinds of skill for everyone.

One, "car caustic danger" must be
Whether it is new or has opened two years old, Che Sunxian must. If you drive to stick, but as the saying goes, "not afraid of ten thousand in case", and not one day touch, scratch, repair factory repair to a lot of money, put the car damage insurance not to worry.

Two or three party insurance: Best Buy 200000 credits
Every accident, the maximum compensation limit of three party insurance compensation divided several grades: 50000 yuan, 100000 yuan, 200000 yuan, 300000, 500000 yuan, 1000000 yuan, 1000000 yuan more than. Expert proposal, can be the best three party insurance to 200000 yuan or 500000 yuan coverage, especially those who purchase a car novices, they are at higher risk of accident, so even if a careless accident, also do not have to worry about mind is unable to assume the liability. If you choose between two file coverage of words, can go up a notch insurance.

Three, the vehicle liability insurance tips
If your car is often a family, and you and your family have been cast accident injury insurance and accident insurance, then as a private car, there is no need to insure the vehicle officers liability insurance. Because the accident and accidental medical insurance provides coverage covering the vehicle officers liability insurance can provide protection. However, if your car is often take different personnel, the best car insurance liability insurance, car personnel liability insurance is the maximum compensation limit of several compensation grades: 10000, 20000, 50000, 100000.

Four, the glass insurance, see glass type
In the glass insurance, attention should be paid to the choice is imported or domestic glass glass insurance insurance premium, the two great. As the domestic auto glass quality and cheap, can completely and foreign comparable, so can consider to choose domestic glass, such, can save about half of the insurance premium. Some owners love their cars, just like the original, must choose the imported glass, but if the species of glass insurance does not pay attention in the policy, the change of glass when they know that the insured is domestic glass insurance, it will bring you a lot of trouble.

Five, non deductible and selection
You'd better insure non deductible special insurance. According to statistics, the escape from danger when the owners use most of the insurance is the car insurance and third party liability insurance, the insured non deductible special insurance, in these two categories to get you should bear the loss of 100% compensation. Of course, in view of the different insurance companies, not all additional risks are not deductible, and buy the non deductible insurance there are owners of their own to bear part of the cost of "absolute deductible", therefore, insurance experts remind the owners must be asked to choose to buy insurance to buy insurance.

 

 

A, cdw:

   1, the vehicle in collision, overturned, fire, explosion, collapse, objects outside air operations object crashes, insurance vehicle parallel fall, lightning, storm, heavy rain, floods, tornadoes, losses, will give the insurance company.

   2, does not give the compensation scope: spontaneous combustion and unexplained; earthquake; artificial direct fuel injection, high-temperature baking; Wade driving or vehicle was flooded without the necessary processing and start the vehicle, resulting in engine damage; intentionally damage behavior; has not yet made a valid driver's license personnel driving danger vehicles etc..

Two, the third party liability insurance:

   1, the insured or the allow qualified drivers in the use process of vehicle insurance accident, resulting in third casualties or property damage suffered life directly, the insurance company will compensate;

   2, the driver does not conform to the provisions of laws and regulations or drunk, causing third damage, the insurance company is not responsible for claims

 Three, the whole vehicle pilfer  

  1, insurance car whole car was stolen, robbed or plundered, the danger at or above the county level public security criminal investigation department confirmed, not accounted for over three months;

 2, the insurance vehicle theft or damaged during the car components, ancillary equipment lost the reasonable expenses needed to repair

 Four, breakage of glass

  1, before and after the windshield glass, window and roof broken glass alone, the insured according to the actual loss compensation;

  2, lamps, car mirror glass broken, installation or repair of vehicles caused by the process of broken glass, the insurer is not on the compensation

Five, new equipment loss insurance

  1, in the event of the vehicle damage insurance provisions of the insurance accident, causing direct damage to the car of new equipment, in insured amount insured the additional risks stated, calculated according to the actual damages;

  2, the new equipment alone lost or stolen, the insurer shall not compensate.

 
Six, risk of spontaneous combustion

  1, because of the fault of the vehicle and cargo, line, electrical supply system itself caught fire, causing loss of vehicles, as well as the occurrence of the insured event, the insured is to prevent or reduce the loss of vehicles are spending the necessary and reasonable expenses;

  2, due to spontaneous combustion caused only electrical appliances, circuit, fuel supply system of insurance will not be in compensation

 
Seven, body scratch damage insurance

  1, no collision trace loss, the insurer is responsible for compensation;

  2, the natural aging of the body surface, damage or vandalism.

 
Eight, domestic car repair period car insurance costs

  The insurance vehicle into the factory repair due to loss of vehicles, vehicle insurance in period agreed to repair, the insured need to rent the vehicle expense

Nine, the car personnel liability insurance

 1, the accident occurs, the insurance vehicle personnel suffered casualties, economic liability for compensation according to law shall be made by the insurer, the insurance company responsible for compensation in accordance with the provisions of;

 2, personnel on the car because of the disease, childbirth, self mutilation, Ou shake, Dutch act, crime instigated casualties, the insurance company is not responsible for compensation

Ten, no fault compensation liability insurance

  Because of the traffic accident and non motor vehicles, pedestrians, cause the other person casualties or property damage insurance, vehicle side no fault, and the insured refused compensation failed, but not on the insured has paid to recover costs, the insurance company responsible for compensation

 
Eleven, non deductible insurance

 Based above 1, only in the loss of vehicle insurance and third party liability insurance can throw this risk;

 2, according to the vehicle damage insurance or the third party liability insurance compensation provisions shall be borne by the insurer fails to perform the obligations and increase the deductible amount

 

                                     How to combine the most affordable auto insurance

"More appropriate to buy insurance in which insurance company? How to combine the most affordable auto insurance?" This is a lot of new car owners will encounter problems. Aiming at these problems, the insurance experts say, may wish to choose a professional insurance Proxy Companies are insured, not only can save you time, can choose the insurance company and the reasonable collocation of insurance for you.

According to the nearly 10000 owners insurance situation analysis, there are four kinds of insurance scheme is the most common, the owners may wish to follow suit:

[] comprehensive type
Compulsory insurance and commercial three party liability insurance (300000 yuan) + Che Sunxian plus car personnel liability insurance + pilfer + breakage of glass + non deductible special insurance + body scratch damage insurance
For the crowd: about 20% of the owners to choose this type combination, suitable for novice and car owners need comprehensive security.

[conventional]
Compulsory insurance and commercial three party liability insurance (200000 yuan) + Che Sunxian plus car personnel liability insurance + pilfer + non deductible special risks
For the crowd: about 60% of the owners to choose this kind of combination, suitable for the park in a long-term fixed guard parking of vehicles, but also suitable for a certain age, willing to take some risk owners.

[economic]
Compulsory insurance and commercial three party liability insurance (100000 yuan) + Che Sunxian plus non deductible special risks
For the crowd: about 15% of the owners to choose this type combination, applicable to vehicle used for a long time and good driving skill, willing to bear the most risk owners.

[risk]
Only buy insurance to pay strong. Cross strong insurance indemnifies the accident third party (injured party), casualties the maximum of 110000 yuan compensation, medical 10000 yuan, property loss of 2000 yuan. But in general, the accident death toll of the payment should be in 200000 yuan of above, hospitalization expenses are not enough, 2000 yuan in damages to the vehicle is far more. Also, car damage their stolen or need to be themselves. Therefore, the collocation of risk
For the crowd: about 5% of the owners to choose this type combination. Insurance experts is generally not recommended for this selection.

In addition, in car insurance insurance also has "the risk of spontaneous combustion". This insurance is the insured vehicle in use process, combustion caused by the loss of vehicle insurance caused by fault injection of electrical wires, system, the insurance company is responsible for compensation according to law. For this type of insurance, insurance expert advice if the car life is too long, the aging of machine parts, can buy "risk of spontaneous combustion". In addition, often long operating vehicles should also buy "risk of spontaneous combustion".