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 pay second years insurance riders! (how to buy car insurance))

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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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))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)) 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)) http: / / club.autohome.com.cn / bbs / thread-c--1.ht...

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))
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)) 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)) http: / / club.autohome.com.cn / bbs / thread-c--1.html 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 快递公司问题件快递公司问题件货款处理关于圆的周长面积重点题型关于解方程组的题及答案关于南海问题 , 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 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 . 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: 1、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 90元. 2、若您的车经常有二个或二个以上的人乘坐, 就可以5座全部投保, 每座50元, 合计250元; 如果只投保2座, 每座90元, 合计180元.比较而言, 还是5座全部投保合算. 3、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5万元、10万元、20万元、50万元、100万元等六个档次投保.保费分别为1040元、1300元、1500元、 1730元、 1820元等.保10万元比较合适, 一般事故都能应付.保5万元略少点.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20万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60% 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. The better choice is to find a bigger agency to insure it. Audit policy Since April 1, 1999, the unified insurance documents issued by the China Insurance Regulatory Commission have been unified and the similar blank documents printed by the original insurance companies have ceased to be used since May 1, 1999. When you receive the insurance documents, must carefully check the documents, see whether the use of the third white carbonless paper printed and reprinted Brown anti-counterfeiting shading, the upper left corner is printed with "China Insurance Regulatory Commission producer" words, the upper right corner of the words "limited in XX Province (city, autonomous region) sales of words, if not, may refuse to sign the bill. Old cars should be insured against car body damage at the price of new cars According to the price of a new car insurance is body loss. Because new or old cars, new parts must be replaced when they are repaired, that is, new cars and old cars have the same cost of repair after damage. It is unfair for the insurance company to insure the body loss insurance according to the actual value, and the premium of the old car is obviously less than that of the new car. The pilfer and spontaneous loss of insurance is according to the actual value of the insured, the premium of new and used cars are different, so are in danger after the compensation is not the same, the new fee, income compensation; old pay less income less compensation. How to determine the amount of insurance against stolen and natural loss insurance for old cars? For the theft and natural damage insurance, the amount of insurance for the old car is determined by the insurance company and the insured in the actual value of the insured vehicle. The actual value of the old car is determined by the purchase price of the new car of the same type of vehicle (including the additional purchase fee of the vehicle) minus the depreciation of the service life of the car. The depreciation rate is carried out according to the relevant provisions of the state (depreciation of one year per year). When the actual value of the insured vehicle is higher than the invoice value of the car, the amount of insurance shall be determined by the invoice value of the car. Once the insurance accident occurs, not only the implementation of 20% of the absolute franchise, but also in accordance with the actual value of the insured vehicle to pay. For example, a new car for $300 thousand Honda accord, after 2 years of use minus depreciation: 3030 x 10% x 2 = 240 thousand, only 240 thousand of the insured. Once stolen, the insurance company for compensation: 2424 * 20% = 196 thousand. Is it necessary to insure the spontaneous combustion damage insurance? The scope of liability for spontaneous combustion insurance is narrow (only the loss caused by the burning of the vehicle due to the oil circuit or circuit) and the rate is high, and the value of the insurance is not large. In reality, the occurrence of spontaneous combustion accidents is very rare, more than 100 thousand yuan of medium and high-grade car spontaneous combustion less. If the vehicle spontaneous combustion is related to the design or quality, the manufacturer can claim compensation. Therefore, the necessity of spontaneous combustion insurance is not necessary. Theft and rescue can not be insured separately? Theft can not be insured separately, but only under the risk of loss of vehicles. If you don't apply for the loss insurance, you can't insure the theft. If the violation is insured, it will eventually be invalid. Similar incidents happened in Beijing in 1998, and the owners failed to get compensation. Collision mutual non recovery agreement Collision mutual non recovery agreement is an agreement among insurers. If the insurer signed the agreement, the insured vehicle collided. Damage compensation, insurance underwriting losses on their body, no legal recourse, legal fees can be avoided, a lot of work can be saved, the premium can therefore be kept to a minimum. What shall the insured do when the insured vehicle transfers, transfers, changes its use or loses the insurance policy? In the period of validity of the insurance contract, the insurance vehicle legal resale, the insured shall transfer to others, by industrial and commercial departments approved invoice or handle transaction procedures in the traffic management department, the insurance company to apply for correcting the insured appellation has insurable interest. When changing the nature of the use or modification of variant, The insured shall notify the insurance company in advance and apply for correcting the nature or type of the vehicle. If the risk is increased, the insurance premium should be paid in accordance with the regulations except the written insurance company. If the policy is lost, don't worry, the applicant may bring the certificate to the original insurance company for issuing the insurance policy How to protect auto insurance Automobile insurance scheme At present, the motor vehicle insurance includes 4 basic risks and 5 additional risks. In the 9 types of insurance, in addition to the third party liability insurance is mandatory insurance, the other types of insurance are voluntary principle. Car owners can according to their economic strength and actual demand for insurance. Here are 5 insurance schemes for motor vehicles, which can be used as reference for car owners. First, the minimum security program Insurance combination: third party liability insurance. Scope of protection: only responsible for the loss of the third party. Applicable object: just want to pass the annual inspection of the individual. Features: only minimum security, low cost. Advantages: can be used to deal with the license or inspection. Disadvantages: once the crash or crash, the loss of the other party can get some compensation insurance companies, but their car loss only their own burden. Two. Basic guarantee scheme Type of insurance combination: vehicle loss insurance + third party liability insurance + passenger seat liability insurance + driver seat liability insurance Scope of insurance: only basic risks are covered without any additional risks. Features: moderate cost, can provide basic protection. Applicable object: owner with certain economic pressure. Advantages: the highest necessity. Disadvantages: not the best combination, it is best to join non deductible special insurance. Three. Economic insurance scheme Type of insurance combination: vehicle loss insurance + third party liability insurance + passenger seat liability insurance + driver seat liability insurance + non deductible special insurance + whole car theft emergency Features: insure several most necessary and valuable insurance products. Applicable object: the best choice for personal budget. Advantages: to insure the most valuable insurance, the highest cost of insurance, people are most concerned about the loss and 100% Payment and other big risks are guaranteed, the premium is not high, but it contains a more practical non deductible special insurance. Of course, this is still not the most perfect insurance scheme. Four, the best security program Type of insurance combination: vehicle loss insurance + third party liability insurance + passenger seat liability insurance + driver seat liability insurance + glass risk + non deductible special insurance + whole car theft rescue Features: on the basis of economic insurance scheme, plus glass risk, make passengers and vehicles vulnerable to part of the security. Applicable object: General Company or individual Advantages: insured value of large insurance, do not spend undeserved money, value for money. Five, complete guarantee scheme Type of insurance combination: vehicle loss insurance + third party liability insurance + passenger seat liability insurance + driver seat liability insurance + glass risk + non deductible special insurance + no fault liability insurance + spontaneous combustion loss insurance + whole car theft emergency Features: full insurance, only be prepared against want. All kinds of insurance can be insured, calmly go on the road, do not worry about the risks brought by traffic. Applicable objects: owners with ample economy. Advantages: almost all of the accident losses associated with the car can be compensated. The insured does not have to pay for the insurance of a certain type of insurance, and is liable for the loss of the insurance policy. Disadvantages: full insurance premium is high, the probability of occurrence of certain types of insurance is very small What are the skills of insurance? First, the insurance amount of the car should be determined according to the purchase price of the new car. The insurance amount of vehicle loss insurance can be determined according to the value of the new car or the actual value at the time of insurance. But pay attention to the insured amount shall not exceed the value of the vehicle, because more than part of the invalid. Two, driver passenger accident insurance, when insured, according to the use of a seat or a few seats, If more than 2 seats, the 5 seats all insured relatively cost-effective. Three, the third party liability insurance has 100 thousand yuan, 200 thousand yuan, 500 thousand yuan and 1 million yuan five grades, premiums are 1620, 1950 yuan, 2340 yuan, 2570 yuan. In general, 200 thousand yuan is more appropriate, the general accident can deal with. Four, spontaneous combustion insurance is the vehicle due to the oil circuit or circuit spontaneous combustion caused by the loss of guarantee. But the car spontaneous combustion accident is very rare, so the necessity of insurance is not big. Five, old car theft and car damage insurance, when insured, the actual value of the car according to the new car purchase price minus depreciation to determine, generally annual depreciation of 10/1000. New car insurance If you bought a new car, you'd better put the loss of vehicle insurance, third party liability insurance, vehicle liability insurance, car theft of these basic insurance keep together. Pay attention to the insurance policy, not only to save money and not fully insured, but also do not have to spend too much insurance. As the premium rate of automobile insurance is fixed, the amount of payment depends on the amount of insurance. The wise choice is to insure in full, that is, how much the value of the vehicle is guaranteed. Some people do not pay insurance premiums, such as 200 thousand yuan car only 100 thousand yuan, in case the accident caused damage to the vehicle, you can not get full payment. Suggest you do not buy a new car spontaneous combustion insurance! Danger is smaller than 500W lottery odds Old car insurance If your vehicle near the scrap period, then it is recommended that you only protect the third party liability insurance, because this kind of near retirement period of the car, the condition is poor, and then put in a lot, obviously not cost-effective. Contrary to some people without full insurance, it is the hands of an old car, but the evaluation value of 50 thousand yuan, but it happens to be over insured, the insured amount 180 thousand yuan, think you spend more money can get high compensation in the vehicle after the accident. In fact, this is a misunderstanding. In fact, the insurance company according to the actual loss of car insurance when determining the payment amount. In addition, if you have an insurance company in full coverage, even if you re insurance in another insurance company, you can not get double compensation. What issues should be paid attention to in insurance? First, do not repeat insurance Some policyholders believe that more than a few copies of insurance, you can make the insured vehicles a few more compensation. According to the insurance law, the fortieth article states: "the sum of the sum of compensation of the insured of repeated insurance vehicles shall not exceed the insured value.". "Therefore, even if the policy holder repeats the insurance, it will not get the super value reparations. Two, do not over insurance or not fully insured Some owners, obviously worth 100 thousand yuan vehicles, but insured 150 thousand yuan of insurance, think more money can pay more. And some cars worth 200 thousand yuan, but insured 100 thousand yuan. These two kinds of insurance can not be effectively protected. According to the insurance law, the thirty-ninth article states: "the insured amount shall not exceed the insured value and exceed the insured value, and the part of the insurance shall be invalid.". If the insured amount is lower than the insured value, the insurer shall bear the liability for compensation in proportion to the insured amount and the insured value unless otherwise agreed in the contract. "Therefore, excessive insurance and insufficient insurance can not obtain additional benefits. Three, insurance should be preserved Some owners in order to save premiums, want to protect a few risks, or only car damage insurance, not to protect the third party liability insurance, or only to protect the main risk, not additional insurance. In fact, the various types of insurance have their own insurance liability, if the vehicle is really an accident, the insurance company can only be based on the original insurance contract shall bear the insurance liability for payment, and some other owners have loss may not get compensation. Four, timely renewal Some owners can not be timely renewal in the insurance contract expires, but the weather is unpredictable, in case of vehicles in the past few days out of the accident, not too late. Five, must carefully review insurance documents When you receive the insurance documents, We must carefully check the documents, to see whether the use of the third white carbonless paper printing and printing anti-counterfeiting light brown shading, the upper left corner is printed "China Insurance Regulatory Commission producer" words in the upper right corner of the words "limited in XX Province (city, autonomous region) sales", if no may refuse to sign the bill. Six, pay attention to check the authenticity of the agent The insured should choose when approved by the state insurance company insured institutions, not only save just looking for an insurance agency insurance, not to be seduced by the so-called "high return", for the benefit of small and false agent when. Seven. Check the policy After completing the insurance policy, we must check the items listed on the policy, such as the license plate number, engine number, etc., and correct the mistakes immediately if there is any mistake. Eight, carry insurance cards The insurance card should be carried along with the vehicle. If an accident occurs, the insurance company should be notified immediately and reported to the traffic administration department. Nine, early renewal Remember the deadline in advance for the renewal of insurance. Ten, pay attention to Mo "cheat compensate" trick There are very few people, always want to take insurance as a shortcut to get rich, if after the first accident insurance, some man-made accident accident, some counterfeit, alter, add car, medical invoices and proof, these all belong to pianpei range, is the behavior of breaking the law. Therefore, owners of these issues, do not play small "smart"". The best insurance without deductible special insurance In the car damage insurance and the third party liability insurance, the insurance companies are in accordance with your responsibility in the accident, only to compensate your actual loss The loss of the 80%-95% agreement, which may make you in the future to obtain a substantial loss in the actual compensation. Not through insurance Deductible franchise insurance, in these two insurance categories to get you should bear the loss of 100% compensation. Everybody has car insurance, but who do you really know about auto insurance? Here's a little bit of an insider about our insurance Seven factors affecting car premium First, your driving record. Have you been driving illegally for the past three years or have you had any mistakes in the past five years at your turn? Passing the accident determines the level of your driving record. In short, drive carefully, eat less tickets, no accident, your premium will be Reduce. Two, your car model. Insurance companies have different risk values for all models of the year. Your car The higher the value, the more popular (the possibility of being destroyed by theft), the higher the premium, and the lower the premium. Three, the way you use the car. The more you use the car, the greater the chance of an accident. So every car If the annual mileage is high, the premiums will rise too. Four. The area you live in. Different areas of car theft, traffic accidents or damage probability is different, this is also in the protection Within the scope of the insurance company's consideration. Five. Insured items. The insured has full insurance, three guarantees, the lowest bottom fee is different, but also affect the premium level.
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