For the owners, car insurance is a car must be expenses. There is a car insurance, we face in the use of the vehicle the property risk has been effectively resolve. But for many beginners, automobile insurance is still relatively unfamiliar. Here we have to introduce the case of automobile insurance.

   Through the search, we found the car insurance. Motor vehicle insurance is not valued insurance, divided into the basic insurance and additional insurance, the additional risk can not be independent insurance. The basic insurance for the third party liability insurance (including three liability insurance) and the loss of vehicle insurance (CDW); additional risks include whole vehicle pilfer (stolen), vehicle liability insurance, no fault liability, vehicle cargo liability insurance, breakage of glass, the vehicle to stop loss insurance, self ignition loss insurance, new insurance, non deductible loss equipment special risks.
By definition, we can see that insurance is divided into:

Primary insurance and additional insuranceTwo categories. In addition, in addition to the basic insurance and additional insurance, compulsory insurance is a must on insurance. Finally, in order to help you understand the various categories, we adopt safe auto insurance for various definitions of insurance for convenience we distinguish.
Compulsory insurance is the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the lead insurer) casualties, property losses, shall be compulsory liability insurance compensation within the limit of liability.
Basic insurance
The vehicle damage insurance
Refers to the insured or the valid driver's accident insurance vehicle in use process, part or all of the vehicle caused by damage, and reasonable cost of the accident rescue vehicle, the insurance company responsible for compensation in accordance with the contract.
The commercial third party liability insurance
Refers to the insured or the valid driver's accident insurance vehicle in use process, causes the third suffers from a personal injury or property damage directly, in accordance with the law shall be insured by economic responsibility, the insurance company is responsible for the payment. Casualty accidents usually require compensation for hundreds of thousands of, can consider to buy third liability as the supplement of compulsory insurance.
Whole vehicle pilfer
Refers to the insurance vehicle car theft, robbery, robbery, the police criminal investigation department at or above the county level investigation confirmed that for a certain time (usually two months) without falling, by insurance companies in the insurance compensation.
The driver's liability insurance
"The driver seat driver liability insurance liability insurance", but also can be said to be the vehicle officers liability insurance in the driver's seat, refers to the insurance vehicle accidents in the use process, thus making the cost driving seat of the casualties, the insurance company shall make compensation for the losses in the insurance, the additional risk is commercial third party liability insurance, and reduce the risk of purchase.
Additional risks
Breakage of glass
Refers to the vehicle by a general (non driving accident) accident caused by broken glass alone, by the insurance company according to the actual loss compensation. For example, the thief smashed glass rob, high altitude falling onto the windshield.
Body scratch insurance
Refers to the insurance vehicle no dent, but a separate body paint scratch the surface, by the insurance company according to the agreed compensation. Usually more than 2 years old are no longer allowed to buy.
Spontaneous combustion risk of loss
Insurance vehicle for electrical appliances, circuit ageing, oil supply system failure, weather and other reasons caused the fire the car overheated part or all damaged, the insurance company responsible for compensation, usually 3 years to consider buying a car.
Passenger liability insurance
Passenger liability insurance is "the passenger liability insurance", but also can be said to be the vehicle officers liability insurance in the passenger seat, refers to the insurance vehicle accidents in the use process, resulting in the passenger seat (i.e. non driver's seat) on casualties, the insurance company shall make compensation for the losses in the insurance, additional risks it is commercial third liability insurance.
Excluding the franchise
Usually the vehicle damage insurance, commercial third party liability insurance, whole vehicle pilfer, car personnel liability insurance in terms of insurance of insurance company is deductible with a certain amount of time, such as car accident, insurance company can compensate for 500 yuan, such as to buy non deductible insurance, compensation shall be responsible for all the insurance company, suggest to buy risk reduction.

    Specify the specialized factory special risks

    The applicant did not choose this clause in insurance, loss of a vehicle insurance after the accident, because the insurance vehicle insurance accident damage, the repair shall be in accordance with the provisions of the main clause, by consulting the insurer and the insured to determine mode and the cost of the repairs. The insured the clause in insurance, and increase the payment of the special provisions of the insurance fee, loss of a vehicle insurance after the accident, the insured may choose has the insurance vehicle specialized qualified repair factory repair.

   If not buy this insurance, so damage repair if the 4S shop repair will appear with the outside two repair factory price, this to themselves, usually two types of repair factory price to 4S shop price at around 30%; therefore, in order to ensure the repair quality and reduce unnecessary losses suggest to buy this insurance.

Purchase channels
At present, the car insurance purchase channels mainly 4S shop car insurance, car insurance, car insurance, Internet phone insurance company insurance etc.. 4S shop car insurance, car insurance is now more popular. In addition, many new car will choose 4S shop to buy insurance to buy insurance, so that more secure.
From the characteristics of purchasing channels, telephone car insurance is more convenient, but claims more trouble, because when claims need to pay their own data, run the insurance company. The purchase of insurance in the 4S shop friends main advantage is to enjoy the repair claims all in one service, in danger and the insurance company that, consumers pay the vehicle repair costs, 4S shop insurance consultant will prepare information for you, and bring you the information to the insurance company, so you go to insurance the company runs, wait for link, that is fast and convenient, and ensure the.