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首页 给要续交第二年保险的车友!(如何购买汽车保险)(To continue to p…

给要续交第二年保险的车友!(如何购买汽车保险)(To continue to pay second years insurance riders! (how to buy car insurance)).doc

给要续交第二年保险的车友!(如何购买汽车保险)…

贾敬细
2018-12-23 0人阅读 举报 0 0 暂无简介

简介:本文档为《给要续交第二年保险的车友!(如何购买汽车保险)(To continue to pay second years insurance riders! (how to buy car insurance))doc》,可适用于社会民生领域

给要续交第二年保险的车友!(如何购买汽车保险)(Tocontinuetopaysecondyearsinsuranceriders!(howtobuycarinsurance))给要续交第二年保险的车友!(如何购买汽车保险)(Tocontinuetopaysecondyearsinsuranceriders!(howtobuycarinsurance))http:clubautohomecomcnbbsthreadchtml给要续交第二年保险的车友!(如何购买汽车保险)本人购车快满一年了马上面临车险续保的问题,该保什么,不需要保什么,搞不清楚!一直也是很迷芒不知道头绪后来咨询朋友,在网上查阅相关资料有了自己的投保方案在网上看到一篇文章写得比较详细起码我看明白了推荐给大伙看看!希望对你有用!如何购买汽车保险:要找正规保险公司的营业场所或得到确认的保险公司业务员办理保险,在购买保险的过程中,选择购买的保险的种类和数量也是关键首先,第三者责任险是全国大多数省、市、自治区法定要求保的险种车损险能为被保险车辆自身的损坏提供保障在此基础上,才能选择其它的附加险种,如:盗抢险、玻璃单独破碎险、车上责任险、车载货物掉落责任险等等如果能保的险种全部保齐,那么被保险人得到的保障也最全面,但因为是按险种及保额的不同收费,所以保的险种越多,所需的保险费也越多因此,根据车型的不同,结合自身的需要,选择部分需要的险种投保也是一种合理的方式车辆的保险金额怎麽定车辆的保险金额根据新车购置价确定车辆损失险的保险金额,可以按投保时新车价值或实际价值确定也可以由被保险人与保险人协商确定,但保险金额不得超过保险价值,超过部分无效投保司机、乘客险有窍门司机乘客意外伤害险不是必须投保的险种,您可以根据实际情况选择投保:、若您的车基本上只有一个人乘坐:即司机,就可以只投保一个座位保险费是元、若您的车经常有二个或二个以上的人乘坐,就可以座全部投保,每座元,合计元如果只投保座,每座元,合计元比较而言,还是座全部投保合算、如果经常驾驶或乘坐您的车的人,已经投保了其他类型的人身意外伤害保险,就没必要再投保司机乘客意外伤害险了,因为重复保险是无效的第三者责任险投保几万合适目前各保险公司第三者责任险可选万元、万元、万元、万元、万元等六个档次投保保费分别为元、元、元、元、元等保万元比较合适,一般事故都能应付保万元略少点小事故够用,大一点儿的事故就不够赔了那就要求开车要随时小心,别撞值钱的保万元基本上可以高枕无忧了但千万不要故意肇事,那样保险公司会拒赔的我们的劝告是:第三者责任险尽量多保一点,不要等到不够赔的时候才后悔没多保点儿投保时找保险公司好还是找代理公司好直接找保险公司投保的好处是:比较可靠缺点是:什么事儿都得自己动手,无论投保还是索赔找代理公司的好处是:服务好,投保时肯上门,索赔时肯帮忙缺点是:不太可靠但您可能不知道,在北京目前约有的汽车保险是由代理公司做的不管您愿意与否,代理公司都在不知不觉地与您打交道也正是代理公司,使这几年汽车保险的服务有明显改善ThebetterchoiceistofindabiggeragencytoinsureitAuditpolicySinceApril,,theunifiedinsurancedocumentsissuedbytheChinaInsuranceRegulatoryCommissionhavebeenunifiedandthesimilarblankdocumentsprintedbytheoriginalinsurancecompanieshaveceasedtobeusedsinceMay,Whenyoureceivetheinsurancedocuments,mustcarefullycheckthedocuments,seewhethertheuseofthethirdwhitecarbonlesspaperprintedandreprintedBrownanticounterfeitingshading,theupperleftcornerisprintedwith"ChinaInsuranceRegulatoryCommissionproducer"words,theupperrightcornerofthewords"limitedinXXProvince(city,autonomousregion)salesofwords,ifnot,mayrefusetosignthebillOldcarsshouldbeinsuredagainstcarbodydamageatthepriceofnewcarsAccordingtothepriceofanewcarinsuranceisbodylossBecauseneworoldcars,newpartsmustbereplacedwhentheyarerepaired,thatis,newcarsandoldcarshavethesamecostofrepairafterdamageItisunfairfortheinsurancecompanytoinsurethebodylossinsuranceaccordingtotheactualvalue,andthepremiumoftheoldcarisobviouslylessthanthatofthenewcarThepilferandspontaneouslossofinsuranceisaccordingtotheactualvalueoftheinsured,thepremiumofnewandusedcarsaredifferent,soareindangerafterthecompensationisnotthesame,thenewfee,incomecompensationoldpaylessincomelesscompensationHowtodeterminetheamountofinsuranceagainststolenandnaturallossinsuranceforoldcarsForthetheftandnaturaldamageinsurance,theamountofinsurancefortheoldcarisdeterminedbytheinsurancecompanyandtheinsuredintheactualvalueoftheinsuredvehicleTheactualvalueoftheoldcarisdeterminedbythepurchasepriceofthenewcarofthesametypeofvehicle(includingtheadditionalpurchasefeeofthevehicle)minusthedepreciationoftheservicelifeofthecarThedepreciationrateiscarriedoutaccordingtotherelevantprovisionsofthestate(depreciationofoneyearperyear)Whentheactualvalueoftheinsuredvehicleishigherthantheinvoicevalueofthecar,theamountofinsuranceshallbedeterminedbytheinvoicevalueofthecarOncetheinsuranceaccidentoccurs,notonlytheimplementationofoftheabsolutefranchise,butalsoinaccordancewiththeactualvalueoftheinsuredvehicletopayForexample,anewcarfor$thousandHondaaccord,afteryearsofuseminusdepreciation:xx=thousand,onlythousandoftheinsuredOncestolen,theinsurancecompanyforcompensation:*=thousandIsitnecessarytoinsurethespontaneouscombustiondamageinsuranceThescopeofliabilityforspontaneouscombustioninsuranceisnarrow(onlythelosscausedbytheburningofthevehicleduetotheoilcircuitorcircuit)andtherateishigh,andthevalueoftheinsuranceisnotlargeInreality,theoccurrenceofspontaneouscombustionaccidentsisveryrare,morethanthousandyuanofmediumandhighgradecarspontaneouscombustionlessIfthevehiclespontaneouscombustionisrelatedtothedesignorquality,themanufacturercanclaimcompensationTherefore,thenecessityofspontaneouscombustioninsuranceisnotnecessaryTheftandrescuecannotbeinsuredseparatelyTheftcannotbeinsuredseparately,butonlyundertheriskoflossofvehiclesIfyoudon'tapplyforthelossinsurance,youcan'tinsurethetheftIftheviolationisinsured,itwilleventuallybeinvalidSimilarincidentshappenedinBeijingin,andtheownersfailedtogetcompensationCollisionmutualnonrecoveryagreementCollisionmutualnonrecoveryagreementisanagreementamonginsurersIftheinsurersignedtheagreement,theinsuredvehiclecollidedDamagecompensation,insuranceunderwritinglossesontheirbody,nolegalrecourse,legalfeescanbeavoided,alotofworkcanbesaved,thepremiumcanthereforebekepttoaminimumWhatshalltheinsureddowhentheinsuredvehicletransfers,transfers,changesitsuseorlosestheinsurancepolicyIntheperiodofvalidityoftheinsurancecontract,theinsurancevehiclelegalresale,theinsuredshalltransfertoothers,byindustrialandcommercialdepartmentsapprovedinvoiceorhandletransactionproceduresinthetrafficmanagementdepartment,theinsurancecompanytoapplyforcorrectingtheinsuredappellationhasinsurableinterestWhenchangingthenatureoftheuseormodificationofvariant,TheinsuredshallnotifytheinsurancecompanyinadvanceandapplyforcorrectingthenatureortypeofthevehicleIftheriskisincreased,theinsurancepremiumshouldbepaidinaccordancewiththeregulationsexceptthewritteninsurancecompanyIfthepolicyislost,don'tworry,theapplicantmaybringthecertificatetotheoriginalinsurancecompanyforissuingtheinsurancepolicyHowtoprotectautoinsuranceAutomobileinsuranceschemeAtpresent,themotorvehicleinsuranceincludesbasicrisksandadditionalrisksInthetypesofinsurance,inadditiontothethirdpartyliabilityinsuranceismandatoryinsurance,theothertypesofinsurancearevoluntaryprincipleCarownerscanaccordingtotheireconomicstrengthandactualdemandforinsuranceHereareinsuranceschemesformotorvehicles,whichcanbeusedasreferenceforcarownersFirst,theminimumsecurityprogramInsurancecombination:thirdpartyliabilityinsuranceScopeofprotection:onlyresponsibleforthelossofthethirdpartyApplicableobject:justwanttopasstheannualinspectionoftheindividualFeatures:onlyminimumsecurity,lowcostAdvantages:canbeusedtodealwiththelicenseorinspectionDisadvantages:oncethecrashorcrash,thelossoftheotherpartycangetsomecompensationinsurancecompanies,buttheircarlossonlytheirownburdenTwoBasicguaranteeschemeTypeofinsurancecombination:vehiclelossinsurancethirdpartyliabilityinsurancepassengerseatliabilityinsurancedriverseatliabilityinsuranceScopeofinsurance:onlybasicrisksarecoveredwithoutanyadditionalrisksFeatures:moderatecost,canprovidebasicprotectionApplicableobject:ownerwithcertaineconomicpressureAdvantages:thehighestnecessityDisadvantages:notthebestcombination,itisbesttojoinnondeductiblespecialinsuranceThreeEconomicinsuranceschemeTypeofinsurancecombination:vehiclelossinsurancethirdpartyliabilityinsurancepassengerseatliabilityinsurancedriverseatliabilityinsurancenondeductiblespecialinsurancewholecartheftemergencyFeatures:insureseveralmostnecessaryandvaluableinsuranceproductsApplicableobject:thebestchoiceforpersonalbudgetAdvantages:toinsurethemostvaluableinsurance,thehighestcostofinsurance,peoplearemostconcernedaboutthelossandPaymentandotherbigrisksareguaranteed,thepremiumisnothigh,butitcontainsamorepracticalnondeductiblespecialinsuranceOfcourse,thisisstillnotthemostperfectinsuranceschemeFour,thebestsecurityprogramTypeofinsurancecombination:vehiclelossinsurancethirdpartyliabilityinsurancepassengerseatliabilityinsurancedriverseatliabilityinsuranceglassrisknondeductiblespecialinsurancewholecartheftrescueFeatures:onthebasisofeconomicinsurancescheme,plusglassrisk,makepassengersandvehiclesvulnerabletopartofthesecurityApplicableobject:GeneralCompanyorindividualAdvantages:insuredvalueoflargeinsurance,donotspendundeservedmoney,valueformoneyFive,completeguaranteeschemeTypeofinsurancecombination:vehiclelossinsurancethirdpartyliabilityinsurancepassengerseatliabilityinsurancedriverseatliabilityinsuranceglassrisknondeductiblespecialinsurancenofaultliabilityinsurancespontaneouscombustionlossinsurancewholecartheftemergencyFeatures:fullinsurance,onlybepreparedagainstwantAllkindsofinsurancecanbeinsured,calmlygoontheroad,donotworryabouttherisksbroughtbytrafficApplicableobjects:ownerswithampleeconomyAdvantages:almostalloftheaccidentlossesassociatedwiththecarcanbecompensatedTheinsureddoesnothavetopayfortheinsuranceofacertaintypeofinsurance,andisliableforthelossoftheinsurancepolicyDisadvantages:fullinsurancepremiumishigh,theprobabilityofoccurrenceofcertaintypesofinsuranceisverysmallWhataretheskillsofinsuranceFirst,theinsuranceamountofthecarshouldbedeterminedaccordingtothepurchasepriceofthenewcarTheinsuranceamountofvehiclelossinsurancecanbedeterminedaccordingtothevalueofthenewcarortheactualvalueatthetimeofinsuranceButpayattentiontotheinsuredamountshallnotexceedthevalueofthevehicle,becausemorethanpartoftheinvalidTwo,driverpassengeraccidentinsurance,wheninsured,accordingtotheuseofaseatorafewseats,Ifmorethanseats,theseatsallinsuredrelativelycosteffectiveThree,thethirdpartyliabilityinsurancehasthousandyuan,thousandyuan,thousandyuanandmillionyuanfivegrades,premiumsare,yuan,yuan,yuanIngeneral,thousandyuanismoreappropriate,thegeneralaccidentcandealwithFour,spontaneouscombustioninsuranceisthevehicleduetotheoilcircuitorcircuitspontaneouscombustioncausedbythelossofguaranteeButthecarspontaneouscombustionaccidentisveryrare,sothenecessityofinsuranceisnotbigFive,oldcartheftandcardamageinsurance,wheninsured,theactualvalueofthecaraccordingtothenewcarpurchasepriceminusdepreciationtodetermine,generallyannualdepreciationofNewcarinsuranceIfyouboughtanewcar,you'dbetterputthelossofvehicleinsurance,thirdpartyliabilityinsurance,vehicleliabilityinsurance,cartheftofthesebasicinsurancekeeptogetherPayattentiontotheinsurancepolicy,notonlytosavemoneyandnotfullyinsured,butalsodonothavetospendtoomuchinsuranceAsthepremiumrateofautomobileinsuranceisfixed,theamountofpaymentdependsontheamountofinsuranceThewisechoiceistoinsureinfull,thatis,howmuchthevalueofthevehicleisguaranteedSomepeopledonotpayinsurancepremiums,suchasthousandyuancaronlythousandyuan,incasetheaccidentcauseddamagetothevehicle,youcannotgetfullpaymentSuggestyoudonotbuyanewcarspontaneouscombustioninsurance!DangerissmallerthanWlotteryoddsOldcarinsuranceIfyourvehiclenearthescrapperiod,thenitisrecommendedthatyouonlyprotectthethirdpartyliabilityinsurance,becausethiskindofnearretirementperiodofthecar,theconditionispoor,andthenputinalot,obviouslynotcosteffectiveContrarytosomepeoplewithoutfullinsurance,itisthehandsofanoldcar,buttheevaluationvalueofthousandyuan,butithappenstobeoverinsured,theinsuredamountthousandyuan,thinkyouspendmoremoneycangethighcompensationinthevehicleaftertheaccidentInfact,thisisamisunderstandingInfact,theinsurancecompanyaccordingtotheactuallossofcarinsurancewhendeterminingthepaymentamountInaddition,ifyouhaveaninsurancecompanyinfullcoverage,evenifyoureinsuranceinanotherinsurancecompany,youcannotgetdoublecompensationWhatissuesshouldbepaidattentiontoininsuranceFirst,donotrepeatinsuranceSomepolicyholdersbelievethatmorethanafewcopiesofinsurance,youcanmaketheinsuredvehiclesafewmorecompensationAccordingtotheinsurancelaw,thefortietharticlestates:"thesumofthesumofcompensationoftheinsuredofrepeatedinsurancevehiclesshallnotexceedtheinsuredvalue""Therefore,evenifthepolicyholderrepeatstheinsurance,itwillnotgetthesupervaluereparationsTwo,donotoverinsuranceornotfullyinsuredSomeowners,obviouslyworththousandyuanvehicles,butinsuredthousandyuanofinsurance,thinkmoremoneycanpaymoreAndsomecarsworththousandyuan,butinsuredthousandyuanThesetwokindsofinsurancecannotbeeffectivelyprotectedAccordingtotheinsurancelaw,thethirtynintharticlestates:"theinsuredamountshallnotexceedtheinsuredvalueandexceedtheinsuredvalue,andthepartoftheinsuranceshallbeinvalid"Iftheinsuredamountislowerthantheinsuredvalue,theinsurershallbeartheliabilityforcompensationinproportiontotheinsuredamountandtheinsuredvalueunlessotherwiseagreedinthecontract"Therefore,excessiveinsuranceandinsufficientinsurancecannotobtainadditionalbenefitsThree,insuranceshouldbepreservedSomeownersinordertosavepremiums,wanttoprotectafewrisks,oronlycardamageinsurance,nottoprotectthethirdpartyliabilityinsurance,oronlytoprotectthemainrisk,notadditionalinsuranceInfact,thevarioustypesofinsurancehavetheirowninsuranceliability,ifthevehicleisreallyanaccident,theinsurancecompanycanonlybebasedontheoriginalinsurancecontractshallbeartheinsuranceliabilityforpayment,andsomeotherownershavelossmaynotgetcompensationFour,timelyrenewalSomeownerscannotbetimelyrenewalintheinsurancecontractexpires,buttheweatherisunpredictable,incaseofvehiclesinthepastfewdaysoutoftheaccident,nottoolateFive,mustcarefullyreviewinsurancedocumentsWhenyoureceivetheinsurancedocuments,Wemustcarefullycheckthedocuments,toseewhethertheuseofthethirdwhitecarbonlesspaperprintingandprintinganticounterfeitinglightbrownshading,theupperleftcornerisprinted"ChinaInsuranceRegulatoryCommissionproducer"wordsintheupperrightcornerofthewords"limitedinXXProvince(city,autonomousregion)sales",ifnomayrefusetosignthebillSix,payattentiontochecktheauthenticityoftheagentTheinsuredshouldchoosewhenapprovedbythestateinsurancecompanyinsuredinstitutions,notonlysavejustlookingforaninsuranceagencyinsurance,nottobeseducedbythesocalled"highreturn",forthebenefitofsmallandfalseagentwhenSevenCheckthepolicyAftercompletingtheinsurancepolicy,wemustchecktheitemslistedonthepolicy,suchasthelicenseplatenumber,enginenumber,etc,andcorrectthemistakesimmediatelyifthereisanymistakeEight,carryinsurancecardsTheinsurancecardshouldbecarriedalongwiththevehicleIfanaccidentoccurs,theinsurancecompanyshouldbenotifiedimmediatelyandreportedtothetrafficadministrationdepartmentNine,earlyrenewalRememberthedeadlineinadvancefortherenewalofinsuranceTen,payattentiontoMo"cheatcompensate"trickThereareveryfewpeople,alwayswanttotakeinsuranceasashortcuttogetrich,ifafterthefirstaccidentinsurance,somemanmadeaccidentaccident,somecounterfeit,alter,addcar,medicalinvoicesandproof,theseallbelongtopianpeirange,isthebehaviorofbreakingthelawTherefore,ownersoftheseissues,donotplaysmall"smart""ThebestinsurancewithoutdeductiblespecialinsuranceInthecardamageinsuranceandthethirdpartyliabilityinsurance,theinsurancecompaniesareinaccordancewithyourresponsibilityintheaccident,onlytocompensateyouractuallossThelossoftheagreement,whichmaymakeyouinthefuturetoobtainasubstantiallossintheactualcompensationNotthroughinsuranceDeductiblefranchiseinsurance,inthesetwoinsurancecategoriestogetyoushouldbearthelossofcompensationEverybodyhascarinsurance,butwhodoyoureallyknowaboutautoinsuranceHere'salittlebitofaninsideraboutourinsuranceSevenfactorsaffectingcarpremiumFirst,yourdrivingrecordHaveyoubeendrivingillegallyforthepastthreeyearsorhaveyouhadanymistakesinthepastfiveyearsatyourturnPassingtheaccidentdeterminesthelevelofyourdrivingrecordInshort,drivecarefully,eatlesstickets,noaccident,yourpremiumwillbeReduceTwo,yourcarmodelInsurancecompanieshavedifferentriskvaluesforallmodelsoftheyearYourcarThehigherthevalue,themorepopular(thepossibilityofbeingdestroyedbytheft),thehigherthepremium,andthelowerthepremiumThree,thewayyouusethecarThemoreyouusethecar,thegreaterthechanceofanaccidentSoeverycarIftheannualmileageishigh,thepremiumswillrisetooFourTheareayouliveinDifferentareasofcartheft,trafficaccidentsordamageprobabilityisdifferent,thisisalsointheprotectionWithinthescopeoftheinsurancecompany'sconsiderationFiveInsureditemsTheinsuredhasfullinsurance,threeguarantees,thelowestbottomfeeisdifferent,butalsoaffectthepremiumlevel

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给要续交第二年保险的车友!(如何购买汽车保险)(To continue to pay second years insurance riders! (how to buy car insurance))

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