In fact, with the continuous improvement of people’s living standard, the Car has entered into almost every household, and the second year to buy a Car a lot of novice drivers do not know the Car insured in the end should buy a few, have novice drivers were confused by a lot of sales staff, Domingo came today to tell you about a few Cars in the end should buy the insurance it?
In fact, there are a lot of people the same a model, something to buy insurance spend more than a few hundred dollars, or even a few thousand dollars; and some people are saving hundreds of dollars or even save a thousand dollars. Although many people think of insurance as long as give me rest assured, I spend more money does not matter, you’re wrong. Because you want every year how much money you expect to spend in the Car body, if every can save a few hundred dollars, you’re a year down can save a lot of oh.
that in the end what kinds of insurance should buy it?
1, to pay high insurance
to pay high insurance Is a national mandatory purchase of insurance, which Is not necessarily a small Car, a year to pay high insurance insured amount Is only a 110,000 if you are a big accident occurred, you should be paid not enough of others, while he paid no more money to go, then pick down you should look to buy several insurance.
2, insurance rates
refers to third party liability insurance insured person or allow the driver occurred in the use of the insured vehicle during an accident, resulting in personal injury or property third party to suffer direct damage, should bear the financial responsibility law by the insured, the insurance company liable. Meanwhile, if the insurance company by written consent, arbitration or litigation costs are therefore occurrence of an insured person, the insurance company outside the limit of liability for compensation, but not exceeding 30% of the limits of liability. In the past the vast majority of local government as the third party liability insurance compulsory insurance coverage, do not buy thIs insurance, the vehicle Will not be on the Card can not be annual. After the introduction of compulsory insurance in motor vehicle traffic (referred to Traffic Insurance), thirdBy liability insurance has become a non-mandatory insurance.
3, caustic danger
Car damage refers to the damage caused by the insured vehicle, the insurance company for compensation within a reasonable range of commercial insurance Is an Automobile insurance accident occurs while driving the insured vehicle insurer or allowed the driver. But caustic danger Is not the full amount, the insurance company depending on the circumstances, the terms set in the Car damage insurance deductibles, and a lIst of exclusion clauses, let’s take a look at the deductible range of Car damage.
non-deductible insurance called “special clause excluding franchIse”, additional insurance Is a business insurance (or Car damage liability insurance) Is. As a non-deductible insurance additional rIsk, need to be insured “primary rIsk” Is insured preconditions may not be arranged separately, which generally refers to the insurance “by special agreement, after the accident, in a corresponding main insured insurance provIsions of the franchIse calculation shall be borne by the insured portion of the deductible amount, the insurance company Will be responsible for compensation within the limits of liability. ” In general, we covered thIs insurance, you can put 5% to 20% of the liability accrued responsible for their own sub to the insurance company.
5, insurance seat
ThIs insured Domingo I suggest that you make a purchase, because the insurance Is if you hit hIs Car on the wall, board officers were injured, their own economic situation can not afford, you can use the indemnities.