Automobile insurance (5) - I what to buy insurance 2

If by now, you said I to buy insurance, that you didn't see me about auto insurance of the previous chapters, the best time to take a look, otherwise you for or have a superficial knowledge of automobile insurance.

How to determine what should you buy insurance?

First of all, you must understand one thing, which is you buy insurance to do what? Simply cut your losses, can also be understood as when insurance accident, loss of vehicles, was borne by you three loss because you buy insurance, turn by the insurance company to assume. Here I stressed the point that the insurance is to reduce your loss, rather than assume full responsibility, this is very important. Why? One is the vehicle insurance is a big class, there are many small classes, namely insurance. You buy is only a few, can not be all risks; second point is that each type has the compensation condition, we do not know whether you remember, I in the automobile insurance (1) mentioned, insurance compensation is conditional, can also be understood as not all loss insurance companies will pay for. The third is that each line is the maximum compensation limit. Later I will detail.

Secondly, to buy insurance according to their own needs to determine. Perhaps you care about most is the premium? If your subjective consciousness you only care about premium, I suggest you buy a cross strong insurance, 950 blocks on the line. Plus 420 yuan travel tax, a total of 1370 yuan, your vehicle is insured. The sun. Perhaps you have heard a lot of insurance agents say what economic type, application type, fully insured insurance portfolio, this is unit sales to customers in different packages only, you can reference.

Finally, Comrades note that, if you buy insurance, don't say the insurance company did not give you the money. You see, the traffic accident must appear for the insurance, the vehicle itself or to the three person is lost, there is a loss or even a year in peace is good? If you don't have anything for you, can be understood as the insurance company Wang you, let you drive safe, you can settle down to work, to create more value, earn more money, you only pay a little premium, it is worth!!! If you pay 5000 block, the insurance company compensate you 50000 yuan, you think you earn? The answer is NO, an aspect of your vehicle or three loss could be just 50000 or more, if only the loss of vehicles, vehicle that you would be a great loss, repair at least take you 30 days, first calculate the taxi cost, then count because other aspects of vehicle repair factory may bring economic loss, for example, because you don't have a car car, have a 5000000 of the contract did not catch up with the tender, the loss; in addition, after your vehicle repair out impossible to no accident like before, if you want to resell, had an accident car will at least 20 percent off based on current market prices. So, you not only lose out, and a big loss, you didn't earn, of course, the insurance company is also a big loss. But the insurance companies underwriting is risk, normal.

Why do I say so many trivial above, it is to let you understand some concepts, do not understand or understand the concept, you are not decided what to buy.

Below I from the insurance point of view to tell you what to buy insurance, not you prepare a lot of money, I give you buy what coverage (that is the personal insurance trick), this is a kind of thinking angle.

1,Compulsory insurance. Compulsory insurance countries, must buy. 950RMB, the old year is not out of danger can be discounted, the no discount; new cars do not discount the insured amount of 122000 yuan.

2,Car damage insurance. Recommended to buy insurance, mainly is if the crash, only relates to your vehicle loss, the insurance company will compensate. Insurance car damage insurance notice how much insurance amount insurance fee,Must be insured in full. What is full? Is the vehicle itself value of 150000, according to 150000 insurance. If some service personnel in order to sell insurance for you, you are not willing to pay, that is to reduce the insured amount of sun, give you cast 100000, compensation is proportional compensation, loss of 3000 block, 2000 block up for you, this is not the full insurance results. In addition still point to remind everybody is, at present, many vehicle configuration, what the basic type, comfortable type, luxury, in order to insurers constraint unfair competition in the car damage insurance, a trade association under the Insurance Regulatory Bureau in charge of insurance companies, specifically formulated for a the lowest value of any vehicle, a vehicle price if the full insurance, not less than the amount of ha. For example, Industry Association agreed your vehicle for a minimum of 120000, even if you buy 110000, only in the amount of insurance to pay 120000.

3,The commercial three party insurance. Recommended to buy. Although cross strong insurance is based on the three as the compensation object, but its security is too small, the three loss of 2000 yuan, the medical fee of 10000 yuan, death and disability 1100000000. So, if you're not careful kiss don't touch me, may not be 2000 yuan, can only use the commercial three party insurance to supplement. The commercial three party insurance, according to the 5, 10, 20, 500000 and so on several levels to vote, this is just the maximum limit, is up to the amount of compensation. Between several levels below 200000 of the premium the difference, is about 100 yuan, personal advice? By 200000, total is 1200 yuan. This small investment in your three people injured or killed when you'll see his importance, but I still hope you these 1200 yuan of money, as to Wenshu burn incense high, not for the best, for peace.

4,The basic insurance, non deductible insurance, must buy ha, money is not much, not always compensate not finish. Of course, bought it, it may be completely lost, can save 20 percent, value.