车辆保险种类及赔付率

车辆保险种类及赔付率 车辆保险种类及赔付率-车辆保险 车险主要的内容如下: 车损险:(按新车购置价投保)你把车撞坏了，保险公司可以出现给你修车。 第三者险:(5万、10万、20万、30万、50万、100万自选)你撞坏了别人的东西，保险公司可以帮你赔付，但仅限直接损失，医疗只负责医保范围内部分。 玻璃单独破碎险:你的汽车玻璃在没有交通事故时破碎，保险公司可以给你换新的。 车上人员险:(1万/人、2万/人、5万/人或就投保驾驶员一人)出车祸时，可以赔付你自己车上人员的医疗费用，只负责医保范围 不计免赔险:如果不投保该险，出险时，全责扣20，主责扣15，同责扣10，次责扣5。 自燃险:你的车因油路电路问题自己燃烧了，保险公司可以按折旧再8折赔钱 全车盗抢险:(上面的说的不对，这是按车的折旧价格投保的，不能自己定保险金额)车被偷了，有公安机关证明，3个月内找不到，按折旧再8折赔钱 还有一些附加的品种，公司不同品种也不同，需要在投保时咨询 没有最划算的组合 只有自己觉得合适的组合 其他回答1:车险里面只有第三者责任综合保险是国家强制的.其他的是自己自愿的,主要分为基本险和附加险,其中基 本险包括车辆损失险和第三者综合保险,附加险包括基本险不计免赔,全车盗抢险,玻璃单独破碎险,划痕险,车 上人员险,自燃损失险,无过失责任险,车辆停驶损失险,新增加设备损失险,车载货物掉落责任险等11个险种, 一般来说保的险种越多,得到的保障越多,其中投保率较高的为基本险中的车辆损失险,第三者责任综合保险, 附加险中的基本险不计免赔,其次则为盗抢险,玻璃单独破碎险,划痕险,车上人员险等. 汽车保险种类之一:车辆损失险(主险) 车辆损失险是指保险车辆遭受保险责任范围内的自然灾害(不包括地震)或意外事故，造成保险车辆本身 损失，保险人依据保险 合同 劳动合同范本免费下载装修合同范本免费下载租赁合同免费下载房屋买卖合同下载劳务合同范本下载 的规定给予赔偿。这与第三者刚相反是顾自己的，如果您爱惜自己的车就要买。 汽车保险种类之二:第三者责任险(主险) Chapter I General provisions article I obligation to clear credit pre-loan investigation requirements, improve the quality of pre-loan investigation, prevent credit risks, according to the CBRC commercial bank credit due diligence guidelines, commercial bank credit small business due diligence guidelines (trial) and other regulatory requirements and the actual situation of the Bank, these measures are formulated. Second person mentioned in these measures refers to in accordance with the rules of credit investigations, surveys and analysis of the credit business people. Article credit mentioned in these measures refers to table provided to customers both inside and outside of the Bank's credit business, including foreign currency loans, trade finance, bank acceptances, commercial bill discounting, guarantees, factoring, credit, loan commitment, guarantee and other credit operations, excluding client credit business. Prior to the chengdai investigation into the fourth article this refers to credit before the review, investigators by obtaining, verification, analysis and security aspects of the situation, evaluation and reveals the possible credit risks and to propose preventive measures. Article fifth due diligence in these measures refers to the person in the pre-loan investigation procedures fulfilling the most basic due diligence requirements. Article sixth of themselves, pre-loan investigators relatives or other interested person to apply for the credit business, one should apply for the withdrawal. Chapter II due diligence due diligence work is the basic requirement of the seventh article: follow the principles of true, complete, valid, and diligence due diligence in carrying out investigation duties. Investigators should be based on the characteristics of different varieties of credit business, credit 属强制性保险，车年审时需要。指合格驾驶员在使用被保险车辆过程中发生意外事故而造成第三者的财产 直接损失与人员伤亡的。以现在的赔付标准，建议最少买10万元，最好买20万元或50万元，特别是新手或中 意飞车的朋友及工作压力大精神不易集中的朋友，又因五万元、10万元、20万元的价钱相差不大，总之这个 险种买大的自己安心。 汽车保险种类之三:盗抢险(附加险) 如果你的车在使用过程中一直都在比较可靠、安全的停车场中停放，上下班路途中也没有什么特别僻静的 路段，就可以考虑不保盗抢险，但如果你的车属于很常见的、丢失率比较高的车型，那一定要保盗抢险。 汽车保险种类之四:车上座位责任险(附加险) 车上人员责任险并不建议买。建议单独考虑人寿保险的产品，保障范围和保险费一般都更低更好。如果你 的车经常有朋友坐，那你也可以考虑买一点，不过不用买太多，保障额度在一万元至两万元/座就够了。 汽车保险种类之五:玻璃单独破碎险(附加险) 指使用过程中发生本车玻璃单独破碎，注意“单独”两字，而如是其他事故引起的，车损险里有赔，所以 如系国产车，玻璃亦不贵，想省钱的可不买。 汽车保险种类之六:自燃险(附加险) 车辆在行驶过程中，因本车电器、线路、供油系统发生故障及载运货物自燃原因起火燃烧，造成车辆损失 Chapter I General provisions article I obligation to clear credit pre-loan investigation requirements, improve the quality of pre-loan investigation, prevent credit risks, according to the CBRC commercial bank credit due diligence guidelines, commercial bank credit small business due diligence guidelines (trial) and other regulatory requirements and the actual situation of the Bank, these measures are formulated. Second person mentioned in these measures refers to in accordance with the rules of credit investigations, surveys and analysis of the credit business people. Article credit mentioned in these measures refers to table provided to customers both inside and outside of the Bank's credit business, including foreign currency loans, trade finance, bank acceptances, commercial bill discounting, guarantees, factoring, credit, loan commitment, guarantee and other credit operations, excluding client credit business. Prior to the chengdai investigation into the fourth article this refers to credit before the review, investigators by obtaining, verification, analysis and security aspects of the situation, evaluation and reveals the possible credit risks and to propose preventive measures. Article fifth due diligence in these measures refers to the person in the pre-loan investigation procedures fulfilling the most basic due diligence requirements. Article sixth of themselves, pre-loan investigators relatives or other interested person to apply for the credit business, one should apply for the withdrawal. Chapter II due diligence due diligence work is the basic requirement of the seventh article: follow the principles of true, complete, valid, and diligence due diligence in carrying out investigation duties. Investigators should be based on the characteristics of different varieties of credit business, credit 以及施救所支付的合理费用。是新车建议不买，三年以上的车建议考虑。 汽车保险种类之七:划痕险(附加险) 在使用过程中，被他人剐划(无明显碰撞痕迹)需要修复的费用，一般新车、新手买。 汽车保险种类之八:不计免赔率(附加险) 车辆发生车辆损失险或第三者责任险的保险事故造成赔偿，对应由被保险人承担的免赔金额(20,)，由 保险公司负责赔。 汽车保险种类之九:不计免赔额(附加险) 车辆发生车辆损失险或第三者责任险的保险事故造成赔偿，对应由被保险人承担的免赔金额，由保险公司 负责赔。不计免赔率—附加险几乎是个必保的好险种，建议加上。特别是新手，加上了会有用的，尤其在你碰 到大的事故损失时，这个险种可以大大减少你的损失。 车辆损失险一定要上 无论是新车还是已经开了两年的旧车，车辆损失险是一定要上的。即使你的开车技术好，而且路线好，从 来都是在车少的时候上下班，但俗话说得好，“不怕一万就怕万一”。保不定哪天碰了、刮了，到修理厂稍微 修修就要不少钱，投了保险就不用着急了。当然，如果自己有熟悉的朋友专门从事维修行业，而你也不用花钱 的情况下，可以不投保此项。 第三者险赔偿限额巧选择 第三者责任险限额共有几个不同的档次，不同档次的赔偿限额差距很大，但相应保费的差距并不大。所以 Chapter I General provisions article I obligation to clear credit pre-loan investigation requirements, improve the quality of pre-loan investigation, prevent credit risks, according to the CBRC commercial bank credit due diligence guidelines, commercial bank credit small business due diligence guidelines (trial) and other regulatory requirements and the actual situation of the Bank, these measures are formulated. Second person mentioned in these measures refers to in accordance with the rules of credit investigations, surveys and analysis of the credit business people. Article credit mentioned in these measures refers to table provided to customers both inside and outside of the Bank's credit business, including foreign currency loans, trade finance, bank acceptances, commercial bill discounting, guarantees, factoring, credit, loan commitment, guarantee and other credit operations, excluding client credit business. Prior to the chengdai investigation into the fourth article this refers to credit before the review, investigators by obtaining, verification, analysis and security aspects of the situation, evaluation and reveals the possible credit risks and to propose preventive measures. Article fifth due diligence in these measures refers to the person in the pre-loan investigation procedures fulfilling the most basic due diligence requirements. Article sixth of themselves, pre-loan investigators relatives or other interested person to apply for the credit business, one should apply for the withdrawal. Chapter II due diligence due diligence work is the basic requirement of the seventh article: follow the principles of true, complete, valid, and diligence due diligence in carrying out investigation duties. Investigators should be based on the characteristics of different varieties of credit business, credit 建议，如果需求在两档保额之间选择的话，可以上浮一个档次投保。 车上责任险投保有窍门 如果您的车上经常乘坐家人，而且您和家人都已经投保过人寿保险中的意外伤害保险和意外医疗保险，那 么作为私人轿车，就没有必要投保车上责任保险了，因为意外伤害和意外医疗保险所提供的保障范围基本涵盖 了车上责任保险在这种情况下所能提供的保障。另外，如果您的情况符合上述条件但没有投保意外伤害和意外 医疗保险，建议您最好还是选择投保意外保险，因为这样所需交纳的保费远远低于车上责任保险，而且还保障 交通事故以外发生的其他意外事故对您造成的损失。 如果您的车上经常乘坐不同的人员，最好还是投保车上责任险，这样一旦有交通意外发生也可以用以满足 事故发生时的医疗费用。在选择投保座位数时，建议您按核定座位投保，如果按核定座位投保，费率是 0.5;如果不按核定座位投保，费率是0.9。 投保玻璃险，看清玻璃种类 在投保玻璃险时，要注意选择是进口玻璃险还是国产玻璃险，二者的保费差额很大。由于国内汽车玻璃质 优价廉，完全可以和国外相媲美，所以可以考虑选择国产玻璃，这样，可以节省约一半的保险费。有的车主很 爱惜自己的车子，就是喜欢原装的，就要选择进口玻璃，如果在投保时没有注意玻璃险的种类，结果换玻璃时 才知道投保的是国产玻璃险，保险公司给赔付的也就只能是国产的玻璃，将会十分郁闷。 不计免赔险要选择 建议您最好投保不计免赔特约保险。因为在车损险和第三者责任保险中，保险公司都有按照您在事故中的 Chapter I General provisions article I obligation to clear credit pre-loan investigation requirements, improve the quality of pre-loan investigation, prevent credit risks, according to the CBRC commercial bank credit due diligence guidelines, commercial bank credit small business due diligence guidelines (trial) and other regulatory requirements and the actual situation of the Bank, these measures are formulated. Second person mentioned in these measures refers to in accordance with the rules of credit investigations, surveys and analysis of the credit business people. Article credit mentioned in these measures refers to table provided to customers both inside and outside of the Bank's credit business, including foreign currency loans, trade finance, bank acceptances, commercial bill discounting, guarantees, factoring, credit, loan commitment, guarantee and other credit operations, excluding client credit business. Prior to the chengdai investigation into the fourth article this refers to credit before the review, investigators by obtaining, verification, analysis and security aspects of the situation, evaluation and reveals the possible credit risks and to propose preventive measures. Article fifth due diligence in these measures refers to the person in the pre-loan investigation procedures fulfilling the most basic due diligence requirements. Article sixth of themselves, pre-loan investigators relatives or other interested person to apply for the credit business, one should apply for the withdrawal. Chapter II due diligence due diligence work is the basic requirement of the seventh article: follow the principles of true, complete, valid, and diligence due diligence in carrying out investigation duties. Investigators should be based on the characteristics of different varieties of credit business, credit 责任赔偿实际损失的80-95的约定，这可能使您将来在实际获得赔偿方面产生比较大的损 失。据统计，出险 的时候车主们用到最多的险种就是车损险和第三者责任险，通过投保不计免赔特约保险，在 这两个险种上才能 得到您所应该承担损失的100赔偿。 Chapter I General provisions article I obligation to clear credit pre-loan investigation requirements, improve the quality of pre-loan investigation, prevent credit risks, according to the CBRC commercial bank credit due diligence guidelines, commercial bank credit small business due diligence guidelines (trial) and other regulatory requirements and the actual situation of the Bank, these measures are formulated. Second person mentioned in these measures refers to in accordance with the rules of credit investigations, surveys and analysis of the credit business people. Article credit mentioned in these measures refers to table provided to customers both inside and outside of the Bank's credit business, including foreign currency loans, trade finance, bank acceptances, commercial bill discounting, guarantees, factoring, credit, loan commitment, guarantee and other credit operations, excluding client credit business. Prior to the chengdai investigation into the fourth article this refers to credit before the review, investigators by obtaining, verification, analysis and security aspects of the situation, evaluation and reveals the possible credit risks and to propose preventive measures. Article fifth due diligence in these measures refers to the person in the pre-loan investigation procedures fulfilling the most basic due diligence requirements. Article sixth of themselves, pre-loan investigators relatives or other interested person to apply for the credit business, one should apply for the withdrawal. Chapter II due diligence due diligence work is the basic requirement of the seventh article: follow the principles of true, complete, valid, and diligence due diligence in carrying out investigation duties. Investigators should be based on the characteristics of different varieties of credit business, credit