On the domestic car insurance (turn, undigested)

The current insurance, have to pay high insurance and commercial insurance two kinds. Cross strong insurance is after you purchase a car to buy legal provisions, even if the cost saving, the compulsory insurance can not be saved. Because of the "cross strong insurance" assume insurance responsibility, insurance is caused by vehicle on the third losses, and there is a limit to the amount of insurance for a certain, so only buy "insurance" on the vehicle risk protection is not enough, the owners will tell, want to have a more comprehensive security the risk of the vehicle, must purchase insurance commercial insurance products.
● The vehicle damage insurance
Interpretation: refers to the vehicle suffered within the scope of insurance liability of natural disasters(Not including earthquake)Or accident, resulting in loss of vehicle insurance itself, repair costs borne by the insurance company.
Scope: all vehicles.
The utility index: ★ ★ ★ ★ ★
Expert advice: be sure to buy. But should notice, prices have been devalued, once the claim to the insurance company, the insurance company will according to your claim price minus depreciation for compensation, therefore, the original purchase insurance, that he kept higher premiums are high, is unrealistic.
● The third party liability insurance
Interpretation: refers to drive their own cars, collision of others. When you need to compensate the other party, and the money is paid by the insurance company. Note, it and cross strong insurance complement each other, cross strong insurance for liability and no fault. Responsible for the maximum limit, without liability20%Third party liability insurance is The responsibility Ren Light Heavy The Divided , the In the All The responsibility100%The main responsibility70%With responsibility50%Second, the responsibility30%No responsibility0%.
Scope: all vehicles.
The utility index: ★ ★ ★ ★ ★
Expert proposal: should buy.
● The car seat and liability insurance
Interpretation: refers to the car accident, causing the car driver or passenger casualties caused by the cost of losses, do not need to pay out of their own pockets.
Scope of application: like driving the family travel Zijia You owners, especially those driving style is bold, easy to open "mump car".
The utility index: ★ ★ ★ ★
Expert advice: the advice to buy. In the event of an accident, can be related to compensation according to you to buy the car seat.
● Tyre breakage alone
Interpretation: if your vehicle in running driving appears to be punctured, could get compensation, but because the crash the tire is damaged, can pay in car damage insurance.
Scope: all vehicles.
The utility index: ★
Expert advice: don't buy. The definition of "separate tire whether damage", there often occur some disputes.
● Spontaneous combustion risk of loss
Interpretation: the vehicle, the vehicle electrical appliances, circuit, fuel system faults and load causes spontaneous cargo on fire, causing loss of vehicles and rescue fees paid by the insurance company pays the bill, "".
Suitable scope: year old car, no modified vehicle.
The utility index: ★
Expert advice: don't buy. After all, the incidence of spontaneous combustion is very low, and often occurred in the repair, refit vehicles.
● Non deductible
Interpretation: to prevent the owner to buy insurance on the street and free driving, this no quotas, no matter how severe accident, the owners have to take20%Most assume, insurance company80%.
Suitable scope: all vehicles.
The utility index: ★ ★ ★
Expert advice: the advice to buy. To let the insurance company to help you out of the money, then spend more, buy additional risks, because, no matter what happens, the insurance company may100%Bear.
Line nine: non deductible amount(Additional risks)
Vehicle vehicle damage insurance and third party liability insurance accident compensation insurance, the deductible amount insured bear, the insurance company responsible for compensation. Irrespective of percentage-Additional risk is almost a good insurance will protect, suggestion and. Especially beginners, plus will be useful, especially the accident loss in you, this product can greatly reduce your loss.
● Breakage of glass
Interpretation: refers to no collision, also non-human damage, broken glass, can claim to the insurance company.
Scope of application: imported cars and vehicles often traveling on the highway, often runs long-distance, construction site.
The utility index: ★ ★ ★ ★
Expert advice: the advice to buy. Many often run high speed driver: after the pain of cutting one's body next to a large truck beyond you, usually "bonus" stone, hit on your windshield. If you buy imported cars, after buying this insurance, if the need to replace the original vehicle glass, can be replaced to the same value and the original car imported glass.
● Vehicle wading insurance
Interpretation: Che Sunxian although clearly specified when the vehicle meet storm caused a loss of the insurance company can compensate, but the car exhaust pipe water resulting in engine damage is not included. Therefore, the categories to reflect its importance.
Scope: all vehicles(The chassis is higherSUVAlthough the road by immersion in water is strong, but the owners but also according to their own operating habits, considering the necessity of this type, because of the lack of experience of novice, tend to think that their own vehicle chassis high, rushed through, the opportunity is also increased.)
The utility index: ★ ★ ★ ★
Experts advise: considering the rainy season and the flooding problem in Guangzhou, plus the novice easy to operate improperly, suggest to buy.
● Cargo liability insurance
Interpretation: refers to the owners of their own car when the accident, causing the car carrying cargo loss, can get the insurance payment.
Scope of application: mainly for truck.
The utility index: ★ ★
Expert advice: don't buy.
● Pilfer
Interpretation: the vehicle theft, robbery and losses, can be paid by the insurance company.
Scope of application: belongs to the market selling models, the car anti-theft devices can easily be destroyed, the vehicle park location safety coefficient is low.
The utility index: ★ ★ ★ ★
Expert advice: the advice to buy.
● Body scratch damage insurance
Interpretation: finger accidentally vehicles make small scratches, the repair cost is given by the insurance company.
Suitable scope: within two years of the new car.
The utility index: ★ ★ ★
Experts advise: if the car in two years time, suggest to buy.
● No fault liability insurance
Interpretation: collision with some cycling or walking pedestrians, resulting in injuries.
Suitable scope: all vehicles.
The utility index: ★
Expert advice: don't buy. If you are not careful, there are third people can protect themselves.