In recent years, with the increase of amount of domestic family cars, auto insurance claims are rising, choose the right car insurance, not only can save the cost of car insurance, more can you be or get out of danger

Claims and reduce trouble.

But for consumers, buy insurance is not difficult, difficult is in time for the claims procedures feeling is not smooth, feel the process is too complex, and the payment time is too long and so on. Often listen to

Side car about auto insurance problems seem to many questions, how should be cost-effective to buy insurance in the face of the complicated insurance project, how to renew is more appropriate, more cost-effective it is understood,

Many owners not clear because the car should be what types of insurance, but also troublesome, often have insurance. In the car when the car dealer or entrusted to friends for.

How to choose the car insurance insurance for the vehicle insurance is every owner must face the problem. In recent years, with the increasing, amount of domestic family cars, auto insurance claim amount also unceasingly

L, then choose the right car insurance, not only can save the cost of car insurance, more can reduce the trouble in your claim at.

First, buy insurance, third party liability in
All automobile insurance the third most important. After all, can not drive car is ruined, however, others are exempt from compensation deal, when buying car insurance should be maintained for others

Loss of the ability in the first place. Otherwise, the only thing you can do is in after the accident occurred, to sell your house, or divorce property preservation, would you? The loophole is the premise of each other not

On your assets for preservation of property. So, in order to avoid the kind of trouble, or the third will be.

The insured amount of two or three party insurance refer to the location of the standard of compensation
All parts of the country standard of compensation is not the same, according to the highest standards of automobile insurance compensation calculation, if the death of 1 people, the highest compensation in Shenzhen area can be reached 1500000 yuan, the highest possible in Beijing area

To 800000 yuan. I give you an example: if the traffic accident 08 years to pay the full responsibility, the death of one person, the dead, 30 years old, Beijing city registered permanent residence, compensation is calculated as follows, an estimated 600000 yuan.

1) the death compensation of about 400000 yuan. (calculation method: compensation for death shall be the seat of the court last year for urban residents per capita disposable income per capita net income of rural residents by 20, or

Calculate the years. 2007 Beijing city residents per capita disposable income reached 19978 yuan; per capita net income of rural residents was 8620 yuan. Death compensation for 19978*20= about 400000 yuan)

2) if there are children aged 1 to 18 years old, alimony payments.

3) if there is an old man needs, need to pay alimony.

The above three may add up to more than 600000. If the owner in Beijing, suggested that have a look your old insurance, if the insurance amount is insufficient, suggest that you at least cover more than 200000, conditional insurance

500000, security!! Save the third party liability insurance money to not. Some insurance companies in your insurance more than 500000, also refused to insurance. From this point of view, you should know that the third party liability

Insurance key.

Three, buy enough staff car insurance, car insurance and repurchase
You are the people who drive, if no other accident insurance and medical insurance for their owners, the last 100000 drivers as insurance, medical expenses, be responsible for the family.

Passenger risks if the passenger probability is much, can the insured amount more, 5-10 million / seat, is responsible for the family and passengers. If the passenger less, each with a guaranteed 10000 more economical.

Four, buy a car to buy after the loss of other risks
Traffic accidents are often accompanied by the damage of automobile, needless to say here.

Five, the purchase of three party insurance, liability insurance, driver and passenger seat car damage insurance deductible insurance
Spend a little more money, let the insurance company compensation does not buckle buckle that this.

Six, other categories (pilfer, glass, spontaneous combustion, scratch risks) combined with their own needs to buy
For example, pilfer, glass, spontaneous combustion, scratch insurance and other insurance, in the car in the risk, the risk of 1-5, not on your family happiness and financial leads to severe impact. Therefore,

Suggestions more demand to buy. Should ensure the front principle 1-5 satisfies the condition in consideration of principle six categories.

Case 1: if your car has been building in the earthquake hit.

Workaround: don't end in the earthquake to apply for compensation, etc. after the earthquake a few days to apply for compensation.

Claim statement: probably because the earthquake caused the wall loosening, finally one day in the fall, smashed your car, remember: do not mention the earthquake occurrence.

Case 2: if your car in an emergency brake, the car that flies to the windscreen glass rupture caused by, what can you say?

If you are honest to the insurance company said: "the paper towel box I fly up and hit the glass......" (wow! Internal high enough ah, ha ha, I just take paper towel box for example a joke. "Then you)

Miserable! The adjuster will be pointing to his mouth to say: "please look at my mouth -- NO!

Method: a change in......

Out: a statement I practiced iron tougong friends smashed windscreen in braking, OK! Remember: the car "goods" impact the loss, the insurance company does not pay! But people crashed on the other

When different.

Case 3: if your car in tow when another car collided, how to do?

Solution: ignore facts exist......

Claim statement: don't mention you in the towing vehicle or be towed, or whether you have the responsibility of the accident, the insurance company will not compensate.

Case 4: if you are in an accident, breaking the glass itself is not dangerous on the glass, you may claim compensation from the insurance company?

Not on the glass insurance claim they can do to find it? Line, absolute row! Glass insurance's full name is: breakage of glass, which is caused by parking and the use of glass damage, and accidents caused by the glass damage

By car caustic danger for payment.

If you are not on the glass insurance, when you get up in the morning and found that his car was broken glass do not know which asshole, how to do? Oh, the old tactics: driving slam the brakes caused, is also the head

The trouble! (remember to find a similar height to my friends ah), if the side of the glass is broken, said side head is good, ha ha!

Case 5: if your car at the time of the crash, broke a little light, what can you do?

Go to the insurance company, he would not dare to not lose you, then you think is made? No, actually, you probably want to lose, lose money.

Don't understand? Tell you, every car all risks probably between 2500-5000 (more high-grade car would be more expensive), if you do not claim the insurance period of one year, then you will be in the next year by the insured

No claim discount 10%, the account you do the math, if the claim amount is too small, ah, so come on, as a 10% discount to reality.

Select the auto insurance, should first examine their own vehicles on all aspects of the. The three general insurance, car insurance, non deductible special agreement and seat insurance should cover, in addition, the whole car insurance company steal

Emergency can be arranged separately. Today, automobile insurance experts on how to select additional insurance for consumers to give some suggestions:

A longer service life of automobile, easy because of the vehicle electrical appliances, circuit, fuel supply system aging failure on fire, caused the loss of vehicle insurance, should buy the spontaneous combustion risk of loss. A modified vehicle cast

The risk of spontaneous combustion shall truthfully inform.

The residential area public security is not ideal, there is no fixed parking, some of the high value, glass more expensive cars, should buy body scratch insurance, breakage of glass. Some of the more popular vehicle

Possibility of theft of damage in the parking fees, vehicle theft and robbery, rub, the insurance company is not liable, the claim should be referred to the parking lot.

Buy any deductible clause, does not mean that any insurance claims. Because insurance companies have no claim discount and renewal will according to last year's record to the owners claim discount or

Provisions of premium, so some of the losses, the owner can according to their own risk.

A no fault insurance vehicle but also should pay the costs of the case, the introduction of new road traffic safety law stipulates, whether in the accident have no fault, no fault liability insurance added, all can be obtained

To compensate by the insurance company.