The car need to buy what insurance

  • Created:
  • / Author: Aaron Lewis
In an agency unit work of Mr. Chen is a car purchase a car family know nothing at all. He has just bought a 1.5 emission cars, the value of 68500 yuan. Just buy a new car, he bought what insurance completely listen to the 4S shop staff carte blanche. Listen to the staff for her listing policy, Mr. Liu heart make up whisper: what need to buy insurance? What kind of insurance the most cost-effective?
The latest statistics show that, at the cost of keeping a car, insurance is a great proportion. But speaking of purchase insurance, many owners is to have a blurred vision, even to buy insurance, still confused.
1, cross strong insurance:
Premium: 950 yuan
The maximum amount of compensation: 122000 yuan
Features: low premium, security is low
After Mr. Liu to buy a car, the staff recommended him to buy insurance to pay strong. Because the compulsory insurance is a compulsory insurance prescribed by the state, regardless of the car's price is how much, all are 950 yuan premium. Mr. Liu think, this risk must buy, bought after the crash, all to the insurance company, they also do not have to spend money, more convenient.
Error: many owners that paid the insurance to pay strong, hit, compensate by the insurance company to pay.
Explanation: the fact is not true. Cross strong insurance by insurance companies to be casualties, property loss insurance motor vehicle road traffic accident is caused to the people, be compulsory liability insurance compensation within the limit of liability, but does not include the vehicle and the insured.
2, cross strong insurance and third party liability insurance
Premium: 950 yuan +1271 yuan =2221 yuan
The maximum amount of compensation: 122000 yuan +20 yuan =32.2 yuan
Characteristics: the amount of compensation, insurance range
Error: the third party liability insurance coverage in the higher the better.
Explanation: third means in addition to the insured vehicle things, including other motor vehicles, non motor vehicles, human, cattle and sheep, road traffic facilities. The so-called third party liability insurance is the insurance vehicle accident led to the people, the loss of property, in accordance with the law shall be responsible for the insured, the insurance company will compensate for the.
3, cross strong insurance and third party liability insurance + Che Sunxian plus car damage non deductible
Premium: 950 yuan +1271 yuan +1617 yuan +248 yuan =4086 yuan
The maximum amount of compensation: 122000 yuan +200000 yuan =322000 yuan
Characteristics: the amount of compensation, insurance range
In the automobile insurance, the most easy to fuzzy concept, is the car caustic danger.
Error: the owners choose car caustic danger, think that as long as the car accident, all parts can obtain compensation.
Explanation: car damage insurance refers to the insurer or allows the driver in driving of vehicle insurance insurance accident occurs, causing damage to the vehicle insurance, the insurance company shall make compensation for the losses in the reasonable range.
Claim techniques
Buy car insurance only is not enough price is cheap. Choose a good service of the insurance company is also very important.
In general, large companies to invest more in the aspects of hardware and software services, the price is slightly expensive policy. Good service company loss outlets, can use the repair factory implementation of remote online loss; the reaction speed and claims the price of nuclear procedures for loss is also timely. There are a lot of the insured use principle claims, report the car, documents and entrust the claim letter to repair factory processing to the insurance company recommended.
Small touch small brush themselves
Although, the insurance on a safety lock for car owners, but when the owners meet with an accident, don't act recklessly and care for nobody to insurance company claim.
According to Chinese CIRC regulations, commercial vehicle insurance rate the lowest discount is 30 percent off, that is to say, the customer even without consecutive years claims to insurance companies, commercial insurance renewal maximum downward float of 30%. And the province of the insurance company to claim the number of customers, it shall be subjected to the premium floating, a standard is: 3 times a year out, discount rate discount cancel out; 4, the premium rise 20%; out of 5 times, the premium rise 30%. If the accident more, may be subject to insurance companies refusal of renewal.
Warm tip: immediately insulation car insurance according to the comprehensive consideration of the car price, residential environment factor and so on to buy. The car insurance is important enough, driver personal safety is more important! Tel: 40002-365-18