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According to industry veteran claims have concluded, a lot of major accidents, the insurance is not bought, insurance not with science, in the event of huge losses, the owner can only regret and complain, but it's too late.

Many people will question the Claims Officer: "my car for insurance in the insurance company, you should pay me?" but the insurance is in accordance with the contract, the owner should carefully study the insurance contract in advance, for through various means, do a good job in all types of security. The following is the seniorAutomobile insuranceExperience the Claims Officer, he from the angle of risk management to the car, ready to buy car insurance owners several principles and advice:

Principle: the priority to purchase the insurance liability for third party in

AllAutomobile insuranceThe third most important. After all, can not drive car is ruined, however, others are exempt from compensation deal, when buying car insurance will maintain the capacity loss for others should be put in the first place. Otherwise, the only thing 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 to your assets for preservation of property. So, in order to avoid similar problems, or the third party insurance in full.

Principle two: the insured amount of 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 Beijing area to 800000 yuan. For example: if the 2008 accident pay full responsibility, the death of one person, the 30 year 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, or according to 20 years. 2007 Beijing city residents per capita disposable income reached 19978 yuan; per capita net income of rural residents was 8620 yuan. Death compensation is 19978 × 20= about 400000 yuan)

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

(3) if the maintenance needs of the elderly, 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 at least for more than 200000, qualified for 500000, saving third party liability insurance money to not. Yes, we haveThe insurance companyIn the more than 500000, also refused to insurance. From this point of view, should be the key to know third party liability insurance.

Principle three: buy sufficient 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 insurance if the passenger probability is much, can the insured amount more, 5-10 million / seat passengers, count of family and. If the passenger less, each with a guaranteed 10000 more economical.

Principle four: buy car caustic danger after buying other types

Traffic accidents are often accompanied by the damage of automobile, needless to say here.

Principle 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.

Principle six: other categories (Pilfer, glass, spontaneous combustion,Risk of NickAccording to 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, will not lead to serious impact on the well-being of families and financial. Therefore, suggest to buy according to demand. Should ensure front principle 1-5 satisfies the condition and principle six categories.