Non deductible special risks

Based on above 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 compensation for all loss, the insurance company. This is 97 years to have a very good insurance. Its value lies in: does not guarantee the insurance, compensation insurance companies in the car 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.

 

Motor vehicle insurance is not valued insurance, divided into the basic insurance and additional insurance, the additional risk can not be independent insurance. The basic risks includeThe third party liability insurance(Three liability insurance) andThe vehicle damage insurance(Car damage insuranceAdditional risk)Whole vehicle pilfer(Pilfer),Vehicle liability insurance, No fault liability insurance,Vehicle cargo liability insurance,Breakage of glass, the vehicle to stop loss insurance,Spontaneous combustion risk of lossThe new equipment, the risk of loss,Non deductible special risks. We usually sayCompulsory insurance(i.e.Motor vehicle traffic accident liability compulsory insuranceThird party liability insurance) also belongs to the broad, cross strong insurance is compulsory motor vehicle insurance, must purchase to the road, the annual inspection, households, and the loss occurred in third persons in need of claims, must first pay compulsory insurance and other insurance coverage.

　　The vehicle damage insurance

Responsible for compensation due to natural disasters or accidents caused by the loss of vehicle. 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 third party liability insurance

Responsible for the 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 the 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.

　　Vehicle liability insurance

Liability insurance vehicle accidents caused 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

The insured 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 compensation failed, but not on the insured has paid to recover costs, insurance company according to "approach to road traffic accidents" and out of the local road traffic accident treatment standards set forth in the insured in the insurance compensation within the limit of calculating compensation. Each compensation are 20% absolute 免赔率.

　　Vehicle cargo liability insurance

Undertake the 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

Vehicles in the park or in use process, the other part is not broken, only windshield broken glass alone, windshield loss by the insurance company for compensation.

　　The vehicle to stop loss insurance

Insurance vehicle vehicle damage insurance within the scope of insurance accident, cause body damage, causing the vehicle to stop and produce loss, insurance company for 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

Liable for 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, the insurance company is calculated according to the actual damages. No insurance coverage, insurance company new equipment is not liable for.