With the continuous development and growth of the Automotive industry, Car insurance market Is developing, many owners were very dIstressed, exactly how their Car insurance the most reasonable, what kind of Car insurance cost-effective, today we have take a look at those things Auto insurance.
strong insurance stands for “vehicle compulsory traffic accident liability insurance “by the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the insured person) personal injury, property damage, be compensated within the mandatory limits of liability Liability Insurance.
so that each Car to pay high insurance must be purchased, if a Car Is not legal to pay high insurance Is not the road. Need to know the country to pay high insurance costs are the same, any insurance company can all be purchased.
Third Party Liability
third party liability insurance business means that accident the insured person or allow the driver legitimate place in the course of using the insured vehicle, resulting in a third party suffers personal injury or damage to property directly, according to law by the insured people assume financial liability, the insurance company to pay compensation, the popular talk Is an accident compensation insurance to others. If the owner of the Car on the road causing injury or even death to others, or to someone else’s Car crashed, we need to bear the corresponding liability, ranging from a few thousand dollars, as many as hundreds of thousands of millions of dollars. The role of the three insurance Is such a situation for economic compensation.
once “within Nanchang, Jiangxi Province, a price of $ 80,000 Chevrolet Cars in the right turn rubs up against the market price of $ 8 million cut Bentley Cars”, Will assume full responsibility for Chevrolet owners by 4S shops survey last scheduled maintenance fee Is 16 yuan, but then Chevrolet Car insurance expires the end of October three Is not timely renewal, the need-of-pocket costs, while Bentley owners finally give up the claim to make thIs event something has It Is a happy ending.
ThIs tells us that the amount of insurance coverage before and after the expiration of insurance must be decided on a year to be purchased, do not “runs the rIsk.” Three insurance may choose to buy insurance according to their own economic situation, if economic pressure Is too large, you can select a smaller amount of insurance. But from now on the driving environment Is concerned, it Is recommended to buy third party liability insurance 500000-1000000 insured amount.
refers to a Car damage the damage caused by the insured vehicle, the insurance company for compensation within a reasonable range of a motor vehicle commercial insurance the insured person or allow the driver of occurrence of an insured accident while driving the insured vehicle.
the scope of claims includes caustic danger of collIsion, overturning, fall, fire, explosion, Autoignition (spontaneous combustion rIsk need to add adminIstration), subsidence, ice trap, cliff collapse, avalanches, landslides a series of unforeseen circumstances, landslide etc. occur during driving. Driving home, accidents Will inevitably occur, a slight bump can cause the loss of the vehicle, Car damage insurance when the choice Is very important.
Car damage insurance prices generally around 1,500 yuan, of course, price Is slightly different cities, different insurance companies, consumers are free to choose.
non-deductible insurance Is called “excluding Free Odds special clause “, 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, covered thIs insurance, you can put thIs shall be 5% to 20% of the liability they are responsible and then handed over to the insurance company, which means that owners buy insurance after thIs insurance, the deductible amount because the owners assumed responsibility for the accident transferredInsurance company, claims the amount the owner would receive more. Because of thIs additional insurance protection overall, while rates are relatively cheap, so once launched on the popular owners welcome. However, non-deductible insurance Will only hand over Car damage and third party liability insurance franchIse responsible for the accident to the insurance company, so when buying Auto insurance, the owner should be given to Car damage insurance and third party liability insurance are insured, excluding free compensation insurance, the rights and interests of their claims maximized.
the four kinds of Auto insurance Is the most basic, but also each Car insurance should be mandatory. There pilfer rest, wading insurance, scratches insurance, seat insurance, glass insurance, etc., you can optionally buy according to their needs.
Xiao Bian Message: Insurance gives you protection economic aspects of their compliance with traffic rules, safe driving Is the most important.
Content Source: Inner Mongolia Financial Network