机动车辆保险的一些购买原则

Some Purchasing Principles of Motor Vehicle Insurance

陌上花开，春归缓缓

生命的美好

就在于那一次次未知的遇见

走过长白，遇见戴雪而来的你

行遍江南，见到披雾远归的你

你我终归重逢

买足车上人员险后，再购买车损险

After Buying Insurance of Sufficient Personnel On The Car, Buy Car Damage Insurance Again.

开车的人是你，建议如果没有其他意外保险和医疗保险的车主，给自己上个10万的司机险，作为医疗费用，算是对家人负责吧。乘客险如果乘客乘坐几率多，可以投保金额多些，5-10万/座，算是对家人和乘客负责。如果乘客乘坐几率少，每座保1万就比较经济。

The driver is you, suggest that if there is no other accident insurance and medical insurance car owners, give yourself a 100000 driver insurance, as medical expenses, is responsible for your family. Passenger insurance if passengers take more probability, can insure more amount, 5-10 million/seat, is responsible for family and passengers. If passengers are less likely to ride, it is more economical to insure 10000 passengers per seat.

我追随着你的步伐

寻向远方

翻飞的衣摆

诉尽绵绵的情肠

优先购买足额的第三者责任保险

Preferential Purchase of Full Third-party Liability Insurance

所有的汽车保险险种第三者最为重要。毕竟，汽车毁了可以不开车，但是，他人的赔偿是免除不了的，购买汽车保险时应该将保持赔偿他人损失的能力放在第一位。否则，可以做的就是只能在事故出现后，先把房子卖掉，或者离婚保全财产，你愿意吗？上述钻空子的前提是对方没有对你的资产申请财产保全。所以，为了避免类似麻烦，还是把第三者险保足额。

The third party is the most important in all kinds of automobile insurance. After all, the car can be destroyed without driving, but other people's compensation can not be exempted, when buying car insurance, we should put the ability to maintain compensation for other people's losses in the first place. Otherwise, what you can do is to sell the house first or divorce and preserve the property after the accident, would you like to? The premise of the above loopholes is that the other party has not applied for property preservation of your assets. Therefore, in order to avoid similar trouble, or the third party insurance full amount.

我追随着你的步伐

寻向远方

翻飞的衣摆

诉尽绵绵的情肠

三责险的保险金额要参考所在地的赔偿标准

The insurance amount of third Party Liability Insurance should consult the compensatory level of seat.

全国各个地方的赔偿标准是不一样的，据汽车保险赔偿的最高标准计算，如果死亡1人，深圳地区最高赔偿可达到150万元，北京地区最高可能也要80万元。举例来说：如果2008年交通事故付全部责任，死亡一人，死者30岁，北京城市户口，赔偿计算如下，估计需要60万元。

According to the highest standard of automobile insurance compensation, if one person dies, the highest compensation in Shenzhen area can reach 1.5 million yuan, and the highest compensation in Beijing area may also reach 800000 yuan. For example: If the 2008 traffic accident to pay full responsibility, the death of a person, the deceased 30-year-old, Beijing registered permanent residence, compensation is calculated as follows, estimated to need 600, 000 yuan.

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