With the increase in the Car, the Car service Is also more comprehensive, insurance Is one thing. There are Car people know, a Car must be turned over to strong safety, but not enough, there are so many Car insurance, buy Auto insurance that Is both to ensure the safety of their property. So what must buy Car insurance, Car insurance how to buy cost-effective it?
which must buy Car insurance?
1, strong insurance.
If you want to ask what must buy Car insurance, to pay high insurance Is indIspensable. Traffic Insurance stands for “compulsory traffic accident liability insurance” Is a person by the insurance company to the insured motor vehicle road traffic accidents caused by the victim (not including the vehicle and the insured persons) casualties, property damage, liability in be compensated within the limits of the mandatory liability insurance. At the same time, to pay high insurance Is the United States first imposed by the national law compulsory insurance system. Therefore, to pay high insurance Auto insurance Is one of the owners must be purchased.
2, loss of vehicle insurance.
loss of vehicle insurance refers to insurance of vehicles affected by natural dIsasters in the insurance coverage (not including seIsmic) or accident, causing the insured vehicle itself loss, the insurer Is given in accordance with the provIsions of the insurance contract compensation.
It Is worth noting that the cost of loss of vehicle insurance and the value of the vehicle Is linked, depending on the vehicle purchase price, the cost Will be greater difference. Some longer service life models, some of thIs cost Will be slightly lower.
3, third party liability insurance.
third party liability insurance (liability insurance for short) refers to the insured person or allow the driver in an accident during the use of the insured vehicle, resulting in a third party suffered personal direct casualties or property damage, economic responsibility according to the law should be borne by the insured, the insurance company liable. Because pay high insurance property damage at third party and partial compensation medical costs low, consider buying third-party liability compulsory insurance as a supplementary insurance to pay.
At the same time, if the written consent of the insurance company, the insured and thereforeIf arbitration or litigation costs, an insurance company outside the limit of liability for compensation, but not exceeding 30% of the limits of liability.
how to buy Car insurance cost-effective?
how to buy Car insurance cost-effective it? 1, all-around. Strong insurance liability insurance business + (100 million) Car damage + + + vehicle liability insurance pilfer glass breakage alone + + + not deductible special body scratches loss insurance. About 20% of owners to choose thIs type of combination. Suitable for novice and Car owners need comprehensive protection.
2, a conventional type. Traffic Insurance + commercial liability insurance (500,000 yuan) + Car damage insurance + vehicle liability insurance + pilfer + non-deductible special. Approximately 60% of owners choose such combinations. There are parking spaces suitable for long-term fixed personnel guarding parked Cars, but also for a certain driving experience, the owners are Willing to bear part of the rIsk of their own.
3, economical. Traffic Insurance + commercial liability insurance (500,000 yuan) + + caustic danger Is not deductible. Approximately 15% of the owners to choose thIs type of combination. Applies to vehicles longer and driving skilled, most owners are Willing to assume the rIsk of their own.
4, under rIsk. Only buy to pay high insurance. To pay compulsory insurance paid only third-party accidents (the injured party), thIs with great rIsk. About 5% of the owners to choose thIs type of combination. Generally not recommended to only buy to pay high insurance.