Along with the economic development of the automobile industry China, rise, now Chinese cars in the second in the world, has become the largest market global auto demand, but because of the domestic auto industry started late, consumer related knowledge and awareness is not enough, there are many problems about the automobile consumption, insurance is one of them. The owner in the face of automobile insurance and insurance company so much, how to save money and experience to buy insurance?Heavy letter networkSum up some tips for you.

Car insurance is not included all car insurance

One of the few things that new car after buying the primary consideration is that the insurance, automobile insurance is more also, the most easy to produce misunderstanding is the car insurance, car insurance all insurance by name, the car, the vehicle out of any problem, where the bad can compensate. In fact, if you just give the car to buy insurance, if the engine into the water, the body is scratched, or the window is broken, a flat tire, the insurance company will not compensate.

According to the report, a few days ago, Mr. Wang and friends play will not be careful when the car windscreen smashed into "spider web", and then call the insurance company. The other view the policy clear, only the purchase of a separate window glass breakage risk, can obtain compensate. In desperation, had to pay 1000 yuan to install the glass.
 
Similar like Mr. Wang to buy insurance but not claim "victims" not in the minority. The owner Mr. Liu drove through the water culvert flameout, and because of the two ignition lead to engine inlet, to the car on the insurance of his claim to the insurance company, but was told not to buy because the engine wading insurance, cannot claim.

Easy to produce misunderstanding "car insurance" questioned

"Car insurance, as the name suggests, should be all insurance covers auto insurance." Many owners said, but the Nanjing branch of PICC related personage explanation, car insurance doesn't refer to cover all insurance categories, but "full" included in the car caustic danger, personnel on the car safety insurance and third party liability insurance (the car.). Such as the engine wading insurance, insurance, glass scratch insurance is insurance, additional after buying car insurance, the owner can be added according to their own needs.

Many people think that, since the car insurance are not lost, why is it called all risks misleading owners? Why not change the name? The legal profession that, car insurance is only spoken a insurance company, rather than the terms of insurance contracts, the owners in the purchase of insurance, should see more insurance clause, do not think to buy a "all risks" everything is worry free. He suggested that, in view of the owner may cause misunderstanding, the insurance company may consider "car insurance" renamed.

How to save money and worry to buy insurance? Pyramid superposition more convenient

The car insurance is compulsory insurance and commercial insurance, commercial insurance is divided into basic insurance and additional insurance, numerous very much, but not all types are suitable for everyone, owners should be based on the need to buy, if it is difficult to select, owners can clear practical car insurance are there? Then the pyramid building foundation superposition, can individual insurance plan achievement belongs to own.

First of all, cross strong insurance must be purchased, the car to the road ran; third party insurance added cross strong insurance amount to make up for the deficiency of low accident loss; a little not member of automobile physical damage insurance is insurance scheme, the car on the road, little not stumble, now slightly to repair costs are not the same in general, do not buy insurance how to ease? There are non deductible insurance, as an additional risk, it is the supreme reality, as long as against this risk, can make themselves responsible for 5% to 20% of the liability to pay compensation to pass on to the insurance company. These types of collocation, the car will have the basic protection, the owner can add their own need of insurance on the basis of this, for example, like self driving tour of the owner, buying a car personnel liability insurance is very necessary; always run the business car park in the uncertain safety site owners, will be able to choose pilfer risk aversion. Anyway, according to their own car status and their driving habits to choose based on Pyramid superposition, can effectively avoid the leakage of investment cast more.

If you are not familiar with insurance regulations, not clear practical car insurance are there? Can also choose the scheme of insurance companies, according to the different degree of safety protection, scientific collocation of insurance, to provide basic type, hot type, full insurance three insurance scheme, as long as the owner to choose the target level of protection can make a choice, very convenient.

Secondly, purchase insurance in addition to know the practical automobile insurance which has several? Also a serious proposal can not spend the money. First of all, to choose insurance companies, car insurance business development in domestic insurance companies beyond count, but the basic terms, the basic policy rates are similar, the purchase is a comparison of the additional risks and service claims, claim conditions relatively loose, claims process fast, thoughtful service priority. Such as safe "10 thousand yuan of the following information is complete day coverage" "national pay" fast claims, the claims process is simplified, is a good choice. Furthermore, is the choice of insurance, Ping An on-line direct insurance have "car insurance business much more" preferential. The insurance companies and insurance, not only can save worry.