1, some what vehicle insurance cover?

Select categories have specific requirements? According to the security responsibility, vehicle insurance is divided into basic insurance and additional insurance, the basic insurance refers to the loss of vehicle insurance and third party liability insurance, they each have additional risks. Whole vehicle pilfer, breakage of glass, spontaneous combustion risk of loss, increase the risk of loss of new equipment, are additional risks risk of loss of or damage to the body, must insure the vehicle damage insurance to cover these additional risks; vehicle liability insurance, no fault liability insurance, vehicle cargo liability insurance, the additional risk is third liability insurance, third party liability insurance must be insured to cover the additional insurance; insurance non deductible special risks, must at the same time the insured vehicle damage insurance and third party liability insurance.

The above is the country except Shenzhen other area insurance insurance choice, while in Shenzhen, the situation is not the same. The basic insurance Shenzhen Juxian include loss of vehicle insurance, third party liability insurance, liability insurance, the driver seat passenger liability insurance, among them, third party liability insurance, liability insurance, the driver seat passenger liability insurance must be insured, and the vehicle damage insurance must also be based on these three categories of insurance to the insured automobile insurance in Shenzhen; additional risks include whole vehicle pilfer, front and rear windshield alone dissilient danger, no fault compensation insurance, spontaneous combustion risk of loss, the new risk, loss of equipment irrespective of percentage special risks, duty-free vehicle tariff liability insurance, cargo liability insurance, the insurance is based on the basic insurance coverage can only be insured.

2, must buy the vehicle damage insurance?

The vehicle damage insurance charge compensation due to natural disasters and accidents caused by the loss of vehicle. This is the most important insurance of insurance. Don't spend a lot of money, but it can get great security. Generally speaking, for imported cars, domestic cars, if the year is not too long, or the driver technology or to vehicle safety driving habits can not provide high security, best can buy this insurance. If you don't keep this insurance, vehicle collision repair costs are out of their own pockets, it is probably thousands, tens or even hundreds of thousands yuan fee.

3, what is the third party liability insurance?

Third party liability insurance for the insured vehicle accident, direct loss causes the third suffers from a personal injury or property, in accordance with the provisions of the insurance contract insurance compensation. Cover the insurance is the most necessary. Drive the fear most is the crash, crash, his car by the loss is not, but also spend a lot of money to repair, treat others. Against this risk, to spend one thousand or two thousand yuan, can obtain a higher security. In order to make the victim's legitimate rights and interests are protected, the vast majority of local governments will be the third party liability insurance as a compulsory insurance, do not buy this insurance, the car cannot go up card also cannot yearly check.

4, what can make up for the loss of the stolen vehicle insurance?

Whole vehicle pilfer, the insurance is responsible for vehicle theft, robbery for all the losses caused by the vehicle, and during the loss caused by damage to the vehicle or the car parts, ancillary equipment loss. If you have been stolen by thieves had hardly wished to live. wallet, you will know if your car is stolen, robbed, apart from causing huge economic losses to you, will be extremely sad, in order to avoid this situation, suggestions to the car with anti-theft device you can reduce the risk of (theft, but can not be completely avoided, at the same time it stolen) covering the whole vehicle pilfer (to soothe your wounded heart if the car is stolen, can make up for your loss, economic).

5, the third party liability insurance, Is it right? Also includes the personnel on the car insurance?

Does not include, to personnel on the car safety guarantee, also be insured vehicle liability insurance. The insurance is responsible for vehicle accidents causing the car personnel casualties (including drivers and passengers and cargo loss).

6, how to understand the no fault liability insurance?

No fault liability refers to the motor vehicle and non motor vehicle, pedestrian traffic accidents caused casualties, property damages to the other party, although no fault insurance vehicle, but according to the "Regulations of road traffic accident treatment measures" in article forty-fourth, the economic compensation should assume by insurant 10%. For more than 10% of economic compensation, if the insured has paid to rescue the wounded, and unable to recover the cost, the insurer will bear the liability of compensation in insurance indemnity. The insurer undertakes to 10% and more than 10% of the compensation responsibility deductible amount and, shall not exceed a maximum compensation limit.

7, keep the car (cargo) liability insurance, if the car goods fall caused him to physical damage, compensation?

The car goods fall caused him to physical damage, the responsibility belongs to the vehicle cargo liability insurance categories, namely the vehicle goods off caused by others (third persons) human casualties, property loss, the insurance company shall make compensation for the losses.

8, the design guarantee insurance for car pane burst alone?

In countrywide clause, breakage of glass for glass and the glass of the windows before and after design categories; and in Shenzhen area clause, not specifically for the window design of insurance, but only for windscreens design before and after the windshield alone dissilient danger.
For the breakage of glass, car is in park or in use process, the other part is not broken, only windshield and car broken glass alone, the insurance company responsible for compensation. It is necessary to buy this insurance to high-grade car.

9, what is the vehicle to stop loss insurance?

The vehicle to stop loss insurance for compensation insurance vehicle insurance accident occurs causing damage to the vehicle, resulting from the stop loss. 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. To engage in professional operation of large passenger vehicles and operating rental car, because the car accident after delayed operation, indirect loss is large, it is necessary to insure.

10, buy the spontaneous combustion risk of loss, the vehicle on fire, you must get compensation?

Not necessarily. Spontaneous combustion risk of loss, is responsible for the vehicle and cargo insurance because of the fault of the vehicle electrical appliances, circuit, fuel supply system itself on fire, caused the loss of vehicle insurance; but due to external fire causing the vehicle on fire, do not belong to the spontaneous combustion risk of loss extent of liability.
Although the probability of spontaneous combustion vehicles is relatively small, but spontaneous combustion often leads to serious economic losses, so the conditions permit, advise you against spontaneous combustion risk of loss.

Senior audio 11, the car belongs to the vehicle damage insurance coverage?

If senior audio car not with the car product, but also installed, not in the vehicle damage insurance coverage, but the new device to increase the risk of loss can meet your demand for insurance. The categories are directly responsible for the loss of car new equipment caused by vehicle insurance accident compensation. When your vehicle with refrigeration, oxygen equipment, clean fuel equipment, CD and video equipment, leather or power seats not vehicle factory with the equipment, should be considered for new equipment increased risk of loss. Otherwise, these equipment accident damage, if the insured vehicle damage insurance, the insurance company is not compensation.

12, non deductible special risks, Is it right? For any accident insurance are deductible?

Non deductible special insurance only for the loss of vehicle insurance and third party liability insurance within the scope of the loss, deductible provisions cannot cancel the other additional risks. According to the contract, under normal circumstances, the insurance within the scope of each insurance accident and compensation calculation performed in accordance with the principle of accountability deductible, the owner shall bear a certain proportion according to the size of the accident loss (called the deductible). But if the insured non deductible special risks, after insurance accident happens, the insurance company is not according to the original provisions of the deductible franchise, but the actual loss is calculated in accordance with the provisions of compensation for. But the Shenzhen terms, each accident loss indemnity should deduct deductible 1000 yuan.

13, if I have insured accident injury insurance, whether can not insured vehicle liability insurance?

Suppose you are the driver of a vehicle, for you personally, in your insurance accident insurance case, not by vehicle liability insurance to get compensation, but once the accident, from a legal perspective, and your car with relatives, friends and even insurance accident injury insurance is not reduced accordingly you should bear the liability for compensation, in other words: before you hit, you must pay for the same car casualties (whether or not they are life insurance). It is recommended that you'd better insure the vehicle liability insurance.