Automobile insurance has what insurance

For car owners, the insurance policy terms font is small and dense, that is also very not articulate word. I'm afraid few owners like me to spend a lot of effort from A to Z read the clause. Here to talk about my study experience:
    First a virtual scene, I chased his tail, then rushed to the curb, knocked over an old man, my head hit the windshield bag, my car's friend got off unguarded to curb sprain foot. The traffic police afterwards that my full responsibility.
    1, Che Sunxian compensate my own car money, while the other cross strong insurance will pay me some money (no responsibility for payment). In addition, many companies alone damage is not compensate for tyre damage alone or hub. In addition, Che Sunxian limit not cumulative: according to clause twenty-ninth:(The following cases, the insurer to pay reparations after,The termination of the contractThe insurer shall not refund, family car insurance and additional insurance premium)The second paragraph(According to the insurance is insurance amount of the actual value of the insurance of motor vehicles,A claimAnd the amount of deductible amount And (not including rescue fees) to the insurance accident happened when the actual value of the insured motor vehicle)

    2, three party insurance and insurance for the other car, compensate crashed to the curb, he see a doctor. To make strong claims, not enough commercial three party. Three of the limit time limit, such as insurance20Three million, up20Million, more than part to pay their own way. According to the three clause twenty-ninth:
The insured to obtain compensation,This insurance contract shall continue to be valid, expired until the period of insurance
    3Our insurance payment, ride on my head bag, my friend's feet can only own money to see. Very simple, I was injured in the car, he in the car.
    The accident just compensation.
    Then introduce other types of insurance:
  4, whole vehicle pilfer: is the key to the whole car, light steal a spare tire what pilfer is regardless of the. The theory of even a rearview mirror to leave your car, insurance company or lose.
  5Insurance, glass breakage: points: alone and broken, the windscreen accident is by car caustic danger pay. The most common type is a high speed is big truck jump stone smashed the glass, and then you can't catch the train (not recommended to chase, dangerous), then the glass insurance claim. In addition, all kinds of lamps losses are not listed here.
  6, malicious scratches or what paint damage alone: points: malicious, alone. For example, whose children you before the machine cover wrong as a blackboard, or when we reverse scraping a fire hydrant, the paint off, do not pull the situation.
  7, spontaneous combustion: cars of their own hair nerve was on fire, if the neighborhood kids take the match point of our car, insurance companies can no matter.
  8These devices, new equipment: not vehicle factory, own modifications added, if the security to the insurance company, rates generally and Che Sunxian almost;
  9The risk of loss, wading wading: when driving, engine inlet, when repairing the engine so as to compensate the cost of. Note: already in the water off, if you are still in the water to start the engine damage, many companies are not to give compensation. Do not fire in the water which is common sense.
  10, non deductible insurance: Generally speaking, different kinds of insurance are not deductible. The categories I think according to the principles of insurance (not because of insurance benefit) to design, insurance is generally according to the amount of insurance80% payment, if you want to100% payment, we need non deductible. Somewhat disguised price hikes mean ah.
   Our daily use categories are listed in the face, again the following lists some other types of business, hope, no additional explanation: oil pollution damage insurance, vehicle insurance (total loss to reset), a special insurance, car insurance costs, with the car baggage, different loss insurance, cargo liability insurance, cargo insurance, golf insurance, spiritual damage.

   The above described cannot cover all situations, such as an infinite number of franchise, the exemption clause, such as we all know, escape, drug use, not drunk testing etc.. But the general case can cope with.

   The next rate terms: the China Insurance Regulatory Commission in the07Years4The insurance rate unified intoABCThe three paragraph, are in accordance with the people's InsuranceAParagraph, peaceBParagraph and the PacificCFor a specified, most insurance companies are using these three terms as the basis; a special case is the balance of insurance (publicity is the first professional insurance), since the opening has been the use of reference rates, it seems no connections there is general07The second half of the year by the three insurance companies telephone sales rate(Ping an ISDN, PICC train and ground electrical pin), is only applicable to the family car, the rate ratioABCThree, much lower, but the settlement of word of mouth is not known.