car to our lives has brought great convenience, so that now the car market to the very large, annual car sales are now more than 10 million, and the purchase of a new car when the insurance is must to start, which is not on compulsory insurance you are not on the card, it is said on those little things about insurance.
a type of insurance
to pay high insurance: This insurance is the insurance provisions of each vehicle owners must buy, there are mandatory, that is to say the owners as long as the car, we need to be insured annually. And the vehicle is in a traffic accident, to have basic insurance claims. And after the purchase to pay high insurance, there will be a need to pay high insurance logo is affixed to the front windshield of the car.
Commercial Insurance: In addition to compulsory insurance is the insurance requirements of countries other than the owner are based on their own needs to choose, and there are commercial vehicles loss insurance and third party liability insurance and attached to the main types of insurance under the additional risk (like pilfer, scratches insurance, spontaneous combustion risk, board officers insurance, glass breakage insurance wading insurance, etc.). The commercial insurance mainly for automobile in the event of an accident can be certain compensation payments, such as liability insurance can be three in the accident, resulting in personal injury or property other person other than the driver and passenger of the vehicle directly damaged by the insurance The company compensation as required.
2 How to buy?
for new car owners and drivers pay high annual cost of insurance is $ 950 and it must be spent. Three insurance if you drive a car where more (You Qihao car) there is a hit or hit protection, if hit people on the bad. Therefore, the proposed purchase, third party liability insurance is optional credits, generally the higher the amount of the higher insurance costs, vehicle owners can choose, 50W amount generally will be about 1500.
car caustic danger is generally the higher the value, the higher the premium, the other not blindly buy additional insurance, such as spontaneous combustion risk, although not much money, but a new car there is no need insurance, if spontaneous combustion directly to the production car prices occur within the warranty period claims on it. Pilfer, if the vehicle is often parked in a regular parking lot, safe and reliable,The possibility of vehicle theft is relatively small, you can not buy this insurance.
If it is a new car or expensive luxury car, it is more prudent to buy pilfer. So for owners to purchase a new car, and the car relatively high value of the proposals in the insurance (refers to pay high insurance + insurance + third party liability insurance + vehicle loss excluding franchise + additional insurance). As for the old driver will not say more. Also in the first car purchase is the first year of all risks and not had any accidents, then the purchase of commercial insurance again next year when there will be favorable, different insurance companies have different requirements.
3 Chuxian Note
(1) If there has been an accident in the course of driving, you should first check damage of the car, if it is some small loss may bear their own because, due to no or limited number of claims records, you can enjoy preferential policies in commercial insurance the second year renewal.
(2) If the damage to the car appear larger needs danger, so be sure to alert, protect the scene waiting for the traffic police to solve this accident and the division of responsibilities, after the alarm, the second call to notify the insurance company and tell them you where the accident occurred, and notify them to the scene, waiting for members to assess the damage to the car scene to assess the damage, the damage to the vehicle owner will tell members after photo shoot where carried out to assess the damage and repair (usually corresponding 4S shop or through the insurance company recognized repair site).
(3) must pay attention to first assess the damage after the repair, because if you make a repair, then the insurance company will lack objective of accident damage survey process. And will not pay compensation to repair your own price, but the market price of the repair project, leading to the claim amount with their repair costs differ. Not enough to pay for their own expenses can only package.
Finally, the owners want to tell you is that insurance be rational to buy according to their own situation, and the purchase of insurance do not get smart, avoid full insured amount the problem is repeated over-insured and insured. When an accident occurs, the auto insurance seem useless, but what really happens when it will feel to buy the insurance value. Insurance is mainly to accidents, to protect our interests.