Speaking of car insurance I believe we will certainly familiar, but all of us are familiar with may be confined to what I bought a car, we must take out insurance at this level, but when you get after you really understand the policy on the insurance policy what is mean? I am afraid that non-professionals can not make detailed answers, often selling insurance salesman is using all of the right insurance coverage inadequate understanding of your insurance on more to earn more as an intermediary fees, then today we have and the You talk about those things on the insurance policy.
1, auto insurance, insurance
Car insurance can be divided into basically two major categories of insurance and additional risks, including additional risk can not be independent insurance. Basic insurance including third party liability insurance, insurance for loss of vehicles and traffic enforcement liability insurance (hereinafter referred to cross-strong insurance); while the additional risks, including the entire vehicle Daoqiang Xian, car liability insurance, no-fault liability insurance, vehicle liability insurance of goods fall, Breakage of glass alone, the vehicle suspended loss of insurance, self-ignition loss insurance, new equipment, loss of insurance, excluding special insurance deductible. Strong cross-country where insurance is mandatory on the relevant departments of insurance.
Here you can see some faint, and it does not matter to you one by one the following we will explain some of the major vehicle insurance for your car in the end how to kind of protection.
Traffic mandatory liability insurance (referred to as cross-strong insurance): This insurance and third party liability insurance compare like with like, also in a payment to the victim after the incident (non-insured and the vehicle personnel) of a kind of insurance, but compared to a third party liability insurance, the insurance payment amount to pay strong lower When you purchase insurance, third party liability insurance is also advisable to supplement in order to avoid interests.
Third-party liability insurance: simple, that is to hit your car to someone else, making the impact, people or objects of direct injury or property loss, this time third-party liability insurance will be based on your amount of insurance compensation insurance. Generally speaking, third-party liability insurance the insurance company divided into 50000, 10 million, 150 thousand, and several other lines to the insured, but the limit is 10 million yuan.
Loss of vehicles insurance: This insurance, the easiest and best understood, if your vehicle accident, and if does not want to spend money to repair their own cars, then you have to buy the insurance.
The entire vehicle Daoqiang Xian: As the name suggests is the loss of vehicles available after the payment of insurance companies, but is not paid in full, was only given 80% of the price of vehicle insurance, special attention is that if you lose the car keys, you can only get 75 % of the payment.
The vehicle liability insurance: a vehicle accident, if the vehicles from damage to persons or goods, then the car liability insurance comes in handy, with its insurance company paid you will be able to.
Individual risk of breakage of glass: auto glass is often the most fragile, easily damaged vehicle parts, this insurance designed specifically for automotive glass, but also to provide compensation only for automotive glass. And this insurance in the insured when the insured under the models will be domestically produced and imported glass, glass, divided, in general, imports of imported cars will be insured separately breakage of glass.
Loss of ignition: This is very good to understand it, spontaneous combustion vehicle accident, the insurance company can be compensation, but the premise of compensation of non-product issues and their own cars have not changed the circuit.
Excluding special insurance deductible: it simply, on this insurance, your vehicle can get 100% of the insurance company paid.
Well the above is the right interpretation of several major insurance coverage, hoping to speak for you to understand. Apart from the above mentioned risks and additional risks attached to the basic things, there are still some of the new insurance out, such as wading insurance and so on, but these were considered to additional risks Dangdang, the owner of the insured may choose.
Then the insurance for each insured must be true to it? In actual fact, some insurance is not a time for each insured must be insured, in general, as long as your car insurance: the cross-strong insurance, compulsory third party liability insurance, Che Sunxian, Dao Qiangxian these several insurance , then you can run steadily and surely on the road, even if an accident is not afraid.
But while so, I suggest that you more than two insurance is a separate glass breakage insurance and deductible, excluding special risk, so that any parts of your car not only can be paid out after the accident, and you do not have to pay more themselves a penny, so that also saves you a relatively large amount of money. The question of specifically how auto insurance choices, we also have related articles prior to introduction, you can find out about.
2, where the insurance cheaper?
Served with insurance coverage, then a friend of mine said, and so I can go to 4S store insured, right? True to the 4S shop insurance worry the region is also very convenient. Because a lot of 4S stores have a corresponding straight indemnity insurance co company, you are in the shop to buy insurance, vehicle accident just make you drive to the 4S shop claims of damage can be fixed. However, in 4S shop insurance is not cheaper method.
As the insurance companies set up shop in the 4S insurance that needs to 4S store some of the costs, so the cost is passed on to consumers on insurance premiums. At present, the gradual rise of telemarketing insurance were becoming increasingly welcomed by consumers, its greatest feature is less costly, due to eliminating a lot of intermediate costs, so phone insurance auto insurance in the same project and the same amount of insurance the situation than to the 4S shop on a 10% insurance, although the 4S shop on the insurance may also enjoy a number of discounts, but discounts compared to telemarketing effort is much smaller.
However you choose to purchase insurance, auto insurance by phone when the must pay attention to issues such as:
1, if you plan to facilitate the future settlement of claims, purchase insurance, ask the sales of auto insurance with a clear call Which 4S stores of co-operation. Because of the sales of auto insurance is usually not all the same brand of 4S stores have co-operative, co-operation in advance hello straight lose insurance, it will save you big time.
Second, auto insurance is absolutely necessary to the regular telephone sales calls, at present some "cottage telephone auto insurance" also flooded the market top, and they sold the policy though not false, but it will be a problem when you really disservice, Therefore, in choosing a time when phone auto insurance must pay attention to.
Third, preparations must be doing a good job, Telephone auto insurance In addition to saving money but also have necessarily easy, as long as you determine the insured as long as a phone, the relevant insurance policy can be sent to you where you specify. However, in order to save your phone when purchasing auto insurance time, you must be ready for these things, private car (driving this, last year a copy of the policy, and the owner ID card), bus (Organization Code Certificate, and the previous year Copies of the policy).
4, pay attention to "special agreement", you are on the phone when the insured and the insurance company must be clearly identified, the insurance had been "special provision" such as the scope of the situation, because sometimes a "special provision" would affect the premium price, so there You need to pay special attention so that your rights are being infringed.
If you can take note of these four, then you can rest assured that the auto insurance by phone purchase.
This we've introduced the basics about vehicle insurance, in the hope you can have some help, and then we will introduce you to look at the different insurance companies in settlement of claims, such as the differences, as well as introduce the insured note, etc., please for your interest