Automobile insurance (4) - I what to buy insurance 1

Your car really should buy what kind of insurance? Is to buy insurance or insurance?

I often hear the owner or driver said, my car is "all risks", "I what insurance to buy", "my insurance is bought together", this time you may have the same idea. Standing in the professional claims perspective, I understand very well for you this statement, because the insurance is a big business, the professional knowledge more. Sometimes when I see friends insurance found, he bought 3 or 4 categories, only Speechless.

For the above statement, I can only say that you could buy some insurance, that is to say you only buy the most common, common type, because there are about 40 types of vehicle insurance, so far, I haven't met a customer bought the real meaning of the insurance, most also bought about 10 types of insurance, general insurance 4-5.

What are the risks? For example, the vehicle insurance is a big class, class there are many small classes, respectively has the function of different, specifically responsible for the different risk protection function.

We now formally contact vehicle insurance.

First recall the classification an insurance by way of implementing the compulsory insurance and voluntary insurance. Before that cross strong insurance to compulsory insurance, must buy, the other below we discuss is the voluntary insurance, all according to your personal needs to selectively buy (also known as the insured).

Secondly, we should make clear what is the vehicle insurance.

Vehicle insurance is based on the vehicle itself and the vehicle third party liability insurance mark a transportation insurance. We can also understand, including the vehicle damage and cause of the third liability. Che Sunxian subject, is the motor vehicle third party liability insurance; insurance object is insurance vehicles because of accident suffers from a personal injury or property of othersDirect lossThe liability for compensation according to law shall bear.

Vehicle insurance has its 4 unique characteristics:

1,Vehicle insurance is not valued insurance.

Not value what insurance is? In conclude when insurance contract not predetermine the insured value of the actual value, but the insurance accident happens according to insurance mark to determine. For example, the accident loss of 1000 yuan, 1000 yuan, as long as it does not exceed the sum insured. When the vehicle a total loss, the actual value of the vehicle at the time of the accident according to determine the maximum compensation limit. The actual value is the new car to purchase price depreciation amount. This is better understood, because the vehicle is depreciation. Such as retirement life general car for 15 years, the annual depreciation rate of about 7%, the monthly depreciation rate is about 6%, now your actual vehicle a lot of money, you in this way.

2,The principle of compensation is to repair the vehicle insurance. Special attention is to repair,Not change. Often customers and insurance companies produce differences in the late of accident insurance claims when place is replaced. Your mind, of course, damaged areas want to change, and the insurance company, asked to do repair. The insurance company has specialized insurance, responsible for any damage of the components are as long as agreed to the replacement, but need to pay the premium. Note that this is only the replacement parts, not for vehicle. If you're a component damage, you asked for a new car, if you open the insurance company, will you agree? The insurance company is also the business enterprise.

3,When the insurance accident compensation tend to have absolute 免赔率 (amount),That is to say you can't, unless you buy non deductible additional risks, the general customers to buy.

4,Vehicle insurance generally have no claim discount. That is if you last year or several years in a row is not out of danger after, or at their own expense, not from the insurance company for a loss, must give preferential discount a renewal insurance in your. Conversely, the insurance industry for many customers will add a certain proportion of insurance premium, and even refused to bear the risk of your vehicle, this call rejection. If you enter the insurance company's black list, which is high risk customers, more money is the most simple, if no insurance to protect you, you can only buy insurance to pay strong, the risk coefficient is big.

Vehicle insurance is generally divided into primary insurance and additional insurance.

The basic insurance typically include car caustic danger, car personnel liability insurance, commercial third party liability insurance, pilfer 4 small categories. Basic risks can be partially or fully insured.

Additional risks a lot, such as breakage of glass, body scratch insurance, autoignite loss insurance, special engine damage insurance, operating the vehicle to stop loss insurance, mirror, lamp damage alone risks, to change a special insurance, family car car insurance costs, the family car with the car luggage loss insurance, car goods collision insurance, new equipment, cleaning up the oil spill risk insurance costs, vehicle cargo liability insurance, compensation for spiritual damage liability insurance, non deductible insurance basic insurance, non deductible insurance, the additional risk accidents deductible treatment special risks, specify the specialized factory special risks etc..

Now you may understand that, if you buy insurance? Such insurance, too much, good trouble. Yes, this is the professional I have mentioned insurance is very strong. I will use the most simple, easy way to communicate with you what you buy insurance is better, more suitable for you.