The vehicle different purchase car insurance is sure not with the wind

Now the car owner are getting more and more, many new vehicle owners did not understand to the car insurance, when purchases the car insurance will inquire that some will have vehicle's friend, looked that they will buy any danger to plant, oneself with will also be buying. Actually, when purchases the car insurance this kind with the wind is very may not take, because each vehicle's vehicle type is different, vehicle owner's road sense, the travel environment are also different, some dangers plant suit others, actually not necessarily suits itself. When purchases the car insurance, and so on some average insurances plants besides Che Sunxian and the third party liability insurance, vehicle main overall evaluation their vehicle type, the vehicles new old and so on factors determined that the insurance the danger plants.　　 　　* entire Che Dao rushes to deal with an emergency the liability of compensation: Entire Che Dao rushes to deal with an emergency is responsible to compensate the insurance vehicles entire vehicle to steal, is robbed, the loss which robs creates. If the vehicles are robbed are snatched, the Insurance company carries on the compensation in the insurance money within the amount. If after the vehicle is robbed snatches retrieves, but the vehicles damage or the spare part lose, the Insurance company is responsible to compensate the repair expense. what needs to pay attention, entire Che Dao rushes to deal with an emergency is only responsible for the loss which compensates the entire vehicle to lose creates, if the vehicles components lose alone, the Insurance company is not responsible to compensate. For instance: The vehicles park when the tire is robbed, the Insurance company is not responsible to compensate; The vehicles are robbed when snatches, places in vehicle's goods Insurance company not to be also responsible to compensate. insurance prompt: If the vehicles are mainly coming and going to work riding instead of walking use, and the housing and the company have the special garage to park the vehicles, the vehicles do not park generally the place which safeguards in nobody, the vehicles the possibility which robs are been low, may consider that does not purchase this danger to plant. In addition some vehicle being the victim rate is quite now high, if you purchase the vehicles belong to this kind of vehicle type, that suggestion purchases robs the emergency, increases a safeguard.
　* EPI does not compensate the special danger　　 liability of compensation: Is responsible to compensate the vehicles damage insurance and in third party liability insurance is conforming to the indemnity within the amount to undertake by insured exempts compensates the amount. Took out insurance EPI not to compensate the danger not to represent can certainly obtain 100% compensations. EPI does not compensate dangerous the adjustment scope not to buckle the franchise including Canada, the Insurance company like will escape from danger to some situations, the ultra scope travel, the adjustment credential not entire and so on Canada to buckle the franchise many times. Canada buckles the franchise not to involve the vehicle owner accident risk, therefore does not belong to EPI not to compensate the special provision the adjustment scope. in addition, EPI does not compensate the danger is extraneous risks, only aims at Che Sunxian and the third party liability insurance and so on main danger, regarding extraneous risks and so on spontaneous combustion danger, non-error liability insurance does not have an effect, it is unable the extraneous risks franchise to pass the burden for the Insurance company. insurance prompt: EPI did not compensate the danger quite to be useful regarding the novice. Novice's road sense is not skilled, easy to occur bumps scratches, if in one year escapes from danger many times, exempts the compensation is also not a small loss. After insurance EPI does not compensate the danger, when adjustment can exempt the compensation to pass the burden for the Insurance company, reduces vehicle owner's loss. But is skilled regarding the road sense, the transportation realized strongly, the parking safety rate high vehicle owner, might choose does not buy EPI not to compensate the danger.
　* on vehicle personnel liability insurance liability of compensation: On the vehicle the personnel liability insurance is responsible to compensate the insurance vehicles to have the accident, causes expense loss which on vehicle's driver or the passenger personnel casualty creates, as well as loses the necessity which for the reduction pays reasonably to rescue, the protection expense. On vehicle personnel liability insurance when insurance, must indicate the insurance seating capacity, when presents the insurance risk, the Insurance company only undertakes in the insurance seating capacity responsibility. if has only taken out insurance on a seat's vehicle the personnel liability insurance, no matter has time the accident in the vehicle several injured, the Insurance company only pays indemnity for a person's damage. the update car insurance the personnel liability insurance's provision has also made certain revision to the vehicle on. The personnel liability insurance divides into the pilot and the passenger seat the vehicle on, the policy holder may purchase insures the pilot alone or insures passenger's danger to plant alone. insurance prompt: If vehicle owner's vehicles not often carry passengers, may choose on the insurance driver's seat's vehicle the personnel liability insurance; If on the vehicle needs to embark the passenger frequently, may choose the pilot and the passenger seat takes out insurance on the vehicle the personnel liability insurance. What if on the vehicle rides frequently is the family member, moreover you and the family members already had taken out insurance in the life insurance accident insurance and the accidental medical insurance, that was not unnecessary to take out insurance again on the vehicle the personnel liability insurance, because the accident injury and the accidental medical insurance provided the safeguard scope basic might cover the vehicles accident to escape from danger the injury which created to the personnel.　
　* spontaneous combustion damage insurance　　 liability of compensation: Because the spontaneous combustion damage insurance is responsible to compensate this vehicle electric circuit, the line, the oil supply system to break down and delivery cargo own reason is on fire the combustion, creates the safe vehicles lose, is responsible by the Insurance company to compensate. If the vehicles are on fire are because vehicle owner in use insurance vehicles process, because artificial direct feed, the open fire roasting and so on violates the vehicles which the vehicles safe operation rule creates to lose the spontaneous combustion danger not to compensate. in addition, the vehicles spontaneous combustion only creates the electric appliance, the line, oil supply system's loss; Insured's intentional act or the illegal activity create insure vehicles' loss; The delivery cargo's loss spontaneous combustion damage insurance also does not compensate. insurance prompt: Generally the new car not too will have the spontaneous combustion, therefore the new car may consider that will not take out insurance this danger to plant. Along with vehicle age increase, in the vehicle each part gets older gradually, has laid down the hidden danger for the spontaneous combustion occurrence. Therefore, regarding 45 years above the vehicle age long vehicles, the vehicle owner should consider that Canada buys the spontaneous combustion danger. 　　* glass independent risk of breakage liability of compensation: The glass independent risk of breakage is responsible to compensate the insurance vehicles in the use process, has this vehicle glass alone stave loss. If vehicles' glass stave is causes by other accidents, is compensates by Che Sunxian. In addition, in the glass independent risk of breakage's glass refers to the wind shield glass and the glass glass, not including headlight, vehicle mirror glass, if the headlight, the vehicle mirror glass is stave and in the vehicles service process creates stave, the Insurance company does not undertake the liability of compensation. insurance prompt: If the vehicles take the coming and going to work riding instead of walking tool, the housing and company's parking environment is good, the vehicles also generally do not park in the Construction site, the vehicles glass stave possibility are not alone big. Moreover the present town center's road surface situation is good, in the travel not too will have the small stone to fly breaks the vehicle glass, therefore in decided whether to purchase this danger will plant when must consider the vehicles will park the environment to decide. the glass independent risk of breakage divides into the domestic product and the import, the domestic product lowers some relatively compared to the import tariff, the vehicle owner may act according to own vehicles whether to import chooses corresponding the danger to plant.