You Juzu now more and more, many new owners of the motor did not understand, when the purchase of motor vehicles will be asked some friends to see what insurance they bought themselves with buying. In fact, the purchase of motor follow suit when this is very undesirable, because the different vehicle models, car owners driving skills, driving environment is also different, and some insurance for others, not necessarily suitable for their own. Buy vehicle insurance, in addition to Jusun Xian and third party liability insurance and other types of basic, comprehensive consider its main car models, old and new vehicles, and other factors to determine the types of insurance.
● all vehicles Dao Qiangxian
Liability: the entire car Dao Qiangxian responsible for the entire compensation insurance car was stolen vehicles, robbery, snatch was caused losses. If the stolen vehicles were stolen, insurance companies, insurance in the amount of compensation. If the car was recovered after the robbery, but in the meantime parts of vehicles damaged or lost, the insurance company is liable for repair costs.
It should be noted that all vehicles Daoqiang Xian is responsible only for full compensation for losses caused by the loss of vehicles, vehicle parts separately if the loss, the insurance company is not responsible for the compensation. For example: when the tyres of vehicles parked stolen, insurance companies are not responsible for compensation; stolen vehicles were stolen, the items on the car insurance company is not responsible for the compensation.
Insured Tip: If a vehicle is the main means of transport to and from work, and the company has specialized residential and garage parking, vehicles generally been left unattended on the local, the lower the possibility of stolen vehicles, this could be considered not to buy Insurance. Also present, some relatively high rate of stolen vehicles, if you buy the vehicles belong to this type of model, or the purchase of Dao Qiangxian proposal to increase a guarantee.
● Excluding special risk Mianpei
Liability: responsible for compensation for loss of vehicle insurance and third party liability insurance in the amount of compensation, in line with by the insured amount of their commitment to the Mianpei. Mianpei the non-insured risk does not represent the will certainly be able to receive 100% compensation. Excluding Mianpei insurance does not cover the claims and withholding Mianpei Shuai, insurance companies, a number of conditions such as multiple Chuxian, ultra-traffic areas, such as incomplete documentation claims will increase withholding Mianpei Shuai. Canada does not involve withholding Mian Peilv owners responsible for the accident, so I do not belong to non-Mianpei special provisions of the settlement area.
In addition, the risk is non-Mianpei additional insurance, only for Ju Sunxian and third party liability insurance, and other main insurance, insurance for the self-ignition, insurance, and other additional risk is non-functional, it can not be additional risk of Mianpei Pass rate of insurance companies.
Insurance tips: The non-Mianpei risk for the novice, it is quite useful. New driving unskilled and prone to grazing, if the Chuxian several times a year, the deductible is also a small loss. Excluding Mianpei risk insurance, the deductible can pass on claims when insurance companies, car owners to reduce the losses. But for driving skilled, strong sense of traffic, parking a high degree of security of the owners, can choose not to buy non-Mianpei risk.
● officers liability insurance on board
Liability: the car officers responsible for the compensation liability insurance in vehicle accidents, leading to the driver or passenger casualties caused by losses, as well as to reduce losses and pay the necessary reasonable rescue, protection costs. Officers liability insurance in the vehicle insured, the insured must be specified number of seats, in the event of accident insurance, the insurance company only insured bear the responsibility within a few seats.
If the insured has a seating capacity of the staff on board liability insurance, regardless of the vehicle when the accident occurred several people were injured, insurance companies, only a person's compensation for the loss.
New motor vehicle staff on the terms of liability insurance has also done some changes. Officers liability insurance will be divided into the car driver and passenger seats, the insured can be purchased separately insured the driver or passenger insurance coverage alone.
Insurance: If the owners of the vehicles rarely passenger, the driver can choose to insure the car seat officers liability insurance, if often necessary to carry passengers on board, the driver and passengers can choose seats on board are officers liability insurance. If the vehicle is often on the family, and you and your family have a life insurance policy holders in the accident medical insurance and accident insurance, then there is no need to insure the vehicle officers liability insurance, because the accident injuries and accidents by medical insurance The protection of basic coverage to the Chuxian vehicle accident causing the injury.
● spontaneous loss of insurance
Liability: spontaneous combustion is responsible for compensation for losses due to the dangerous car circuit lines, oil supply system failure and the reasons for their cargo fire, causing loss of vehicle insurance, the insurance company responsible for compensation. If a vehicle caught fire due to vehicle owners in the use of the insurance process, the direct result of oil supply, fire vehicles baking, and other violations of the rules of safe operation of vehicle insurance is not spontaneous loss of compensation.
In addition, only vehicles spontaneous combustion caused by electrical appliances, lines, the loss of oil supply system; the insured's intentional act or offence caused by the loss of vehicle insurance; cargo loss risk the loss of spontaneous combustion is not compensable.
Insurance tips: General car will not spontaneous combustion occurred, the new car can not consider the types of insurance. As the age increases, car parts all ages, the incidence of spontaneous combustion to become a hidden danger. Therefore, the age of 45 over a longer vehicles, vehicle owners should consider buying insurance spontaneous combustion.
● broken glass separate insurance
Liability: broken glass alone is responsible for insurance compensation insurance in the use of vehicles in the course of this car in the loss of broken glass alone. If a vehicle is broken glass caused by other incidents, by Che Sunxian to compensation. In addition, the risk of broken glass separate the glass is window glass and windshield glass, not including the lights, the car mirror glass, if the lights, broken glass and car-repair vehicles in the course of the broken, insurance companies do not bear compensation Responsibility.
Insured Tip: If a vehicle as a working tool for travel, housing and the environment good parking, vehicles generally have been placed on construction sites, vehicles broken glass alone is unlikely. But now the center of the road in good condition, there will be less traffic in small glass stones Feiqi damaged cars, in deciding whether to buy this insurance to be taken into account to park environment.
Glass breakage risk is divided into separate domestic and imported, Chinese imports than the relatively low rates, according to its own vehicle owners can choose whether to import the corresponding insurance.
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