Most of the owners to buy a car, will immediately think of going to the car insurance is a risk, but the specific the what kind of insurance? Under normal circumstances, the owner will be the insurance according to ch dealer or insurance agent suggested that the choice to buy insurance, often do not know their own insurance protection is what responsibility, in the event of an accident can save much loss. Of course, the insurance policy is accompanied by the insurance provisions, the insurance agent will also do some explain it to you, but always feel hear or see and mumbo-jumbo, let a person in the clouds.

   The author of the insurance clause insurance liability, compensation for the project and the deductible amount in popular language to explain, the owners can have a better understanding of their insurance policy insurance situation, the next year's insurance has a more rational choice, also be a reference to purchase a car. You.

◎The vehicle damage insurance
(1)Insurance liability: the insured or the allowed qualified driver (holding a valid driving license, vehicle accidents for quasi driving type, the same below) in the vehicle insurance, because the causes of loss, the insurance company responsible for compensation: insurance accident happens to the vehicle collision, rollover accidents caused by the loss of vehicle insurance, around the fire on the vehicle, explosion caused the loss of vehicle insurance, suffered outside object collapse, air operations object crashes, insurance vehicle parallel fall caused by traveling in the loss, lightning, storm, flood, storm, tornado, tsunami, cave, ice fall, cliff collapse, natural disasters, debris flow, landslide and so on were caused by vehicle insurance the loss of vehicle insurance, ferry carrying natural disasters (limited to the driver with the car care) caused by the loss of vehicle insurance.

(2Compensation for the project):The accident vehicle own loss, the reasonable expenses for the vehicle to take reasonable rescue and protection measures of expenditure.

(3The deductible amount): according to your accident responsibility size, in accordance with the amount of compensation5%-20%Franchise: take full responsibility20%Primarily responsible, deductible15%Deductible bear equal responsibility10%Negative secondary responsibility, deductible5%.

◎Third party liability insurance

(1Liability insurance): the insured or the allowed qualified driver in the use process of vehicle insurance, accident, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurance company in accordance with the "road traffic accident treatment measures" and the agreement of the contract of insurance compensation.

(2Compensation for the project): third party liability insurance compensation in accordance with the "road traffic accident treatment measures" provisions of the scope of compensation, standard project, as the insurance indemnity basis. Specific compensation shall be specified in the insurance contract, eliminating the exception responsibility part, the specific contents listed in auto insurance except responsibility section. The maximum amount of compensation for the corresponding grade stated insurance amount insurance.

(3The deductible amount): according to your accident responsibility size, in accordance with the amount of compensation5%-20%Franchise: take full responsibility20%Primarily responsible, deductible15%Deductible bear equal responsibility10%Negative secondary responsibility, deductible5%.

◎Vehicle liability insurance

(1Liability insurance)Insurance: vehicle accident, causing the car loss of goods and the car casualties and treatment costs, the insurance company liability.

(2Compensation for the project): the scope of compensation, the car casualties items and standards "provisions of the road traffic accident treatment measures" as a standard, but not exceeding the insured seats and the agreed amount of insurance. Specific costs include: personnel of the rescue costs, medical expenses, loss of working time charges. Unless otherwise agreed and a seat (usually only to protect the driver), if no insurance on all the seats are insured, according to the proportion of compensation payments.

(3The deductible amount): deductible ratio with third party liability.

◎Whole vehicle pilfer

(1Liability insurance)Insurance: vehicle car theft, robbery, the police criminal investigation department at or above the county level for verification, not accounted for more than three months, the insurance company responsible for compensation.

(2Compensation for the project)Insurance: stolen vehicle insurance amount, but the actual value to be insured vehicle car stolen, robbed, repair damaged or missing parts and auxiliary equipment.

(3The deductible amount): the amount of compensation20%.

◎Spontaneous combustion risk of loss

(1Liability insurance): as a result of the car circuit, circuit, fuel system faults and the goods themselves on fire, or as a result of the car of new equipment for causes of the fire vehicle losses, the insurance company responsible for compensation.

(2Compensation for the project): when the car has a part of the loss, according to the actual repair costs for repairs. If the car spontaneous combustion whole burnt or have lost value of the repair, the vehicle at the time of the accident compensation in accordance with the actual value, but can not exceed the sum insured.

(3The deductible amount): the amount of compensation20%

◎Non deductible special risks

(1Liability insurance)Insurance: on vehicle is deductible amount themselves insurers in the vehicle damage insurance and third party liability insurance shall be borne by the Central Plains, whether one or more times the insurance accident, were given compensation. Of course, the insurance company usually in order to reduce the insurance liability and Indemnity Expenditure, with most of the special agreement, is the first accident loss of vehicle insurance and third party liability insurance at100%Payment, from the same second accident insurance, each additional accident plus button5%Second, such as accident at95%According to the times, third90%.

(2Compensation for the project): loss of vehicle insurance and third party liability insurance compensation in accordance with the amount by the deductible amount themselves insurer.

(3The deductible amount): in general, from the same second accident insurance, each additional accident plus button5%.