Auto insurance Do you know how to choose?

It seems to many people, as long as the selected car, insurance is very simple.But really want to select, in addition to insurance, coverage, third party risks, exactly what insurance varieties to choose from.Auto insurance is so complex that it wasn't easy to pick up also.Here, we specially comb, for everybody reference.

Exactly what car insuranceBefore buying car insurance, you must first make sure, what are the content of car insurance?Motor vehicle insurance generally includes insurance and commercial insurance, business insurance includes both basic and additional risks.Basic is divided into car loss danger and third party liability insurance, the whole vehicle pilfer (pilfer), the liability of the personnel on the car (the responsibility of the driver and passenger liability insurance).

Additional risks include glass is alone and broken danger, scratches, driving loss danger, spontaneous combustion wade risks, without fault liability insurance, car goods drop liability insurance, the car stops loss danger, new equipment loss danger, regardless of the danger of the engage by special arrangement that avoid compensate, etc.Glass is alone and broken danger, loss danger, newly added equipment loss danger, spontaneous combustion is the additional risk of car loss danger, must first be insured car loss danger to cover the additional risk.Vehicle liability insurance and no-fault liability insurance, car goods drop liability insurance, etc., is the additional risk of danger of responsibility of a third party, must be covered by insurance against liability for third party to cover these additional risk;Each risks regardless of the franchise can be independent insurance.

Insurance not negotiableCheSun, a third party is indispensableInsurance, full name "of the compulsory motor vehicle traffic accident liability insurance", is China's first by the legal provisions of the state shall practise a system of compulsory insurance.In other words, motor vehicles, including cars, this will have to buy insurance.

In addition, coverage, third party liability insurance is also indispensable.In motor vehicle insurance, vehicle insurance and third party liability insurance constituted the main danger to plant, and in cooperation with a number of additional risks, the common customers with various dangerous security service for insurance.Car loss danger of insurance mark, is all kinds of motor vehicle body and its parts, equipment, etc.And third party liability insurance (all risks) insurance business three is the loss of the insurance company to a third party liability insurance coverage.Refers to the third party other than the policy-holder, insurant, underwriter, because of insurance car accident victims to a third party who had suffered losses.

Additional risks to our strengths
In addition to the above basic risk for various, dazzling additional risks, you can follow the signals, after all is business risk, is to want money to buy.
Pilfer full name is the whole vehicle pilfer, mean lost a wheel, mirrors that can't compensate.Pilfer claim request: car stolen, to the local police department at or above the county level shall, 3 months did not find, can require adjustments.
Wading risk also called engine special insurance.Vehicles under the condition of immersion, coverage can pay except engine vehicles damaged part, and the resulting engine damage is only wading insurance could compensate.But if flooded after the owner was forced to start the engine and cause damage, so even if bought wading insurance, the insurance company will not compensate.
And glass, scratches, spontaneous combustion risk and so on, belong to additional risks, or according to oneself circumstance to consider buying.