车险的九大种类

险种之四：车上座位责任险（附加险）

earning e

ducation, ne

ed thre

e kinds of consci

ousness: one i

s to esta

blish

an integrate

d awarene

ss.

Learni

ng

car isTw

o-w

heel,

bird w

ings,

nee

d to go

hand in

hand,

one e

nd

can

be neglecte

d. Communi

st the

oreticia

n and man.

Only

by cl

osely

combi

ning t

heory a

nd

practi

ce together in order to truly reali

ze their val

ue.

ng

oundation is

not str

ong,

shaki

ng;

net to

net thousa

nds of accounts.

s, goi

ng to

he

ng

back to

standard, so that t

he majori

ty of party

members

ning theory of

nutrie

nts, in t

he

ce party's purposes. S

econd, to esta

blish a se

nse

of dept

h.

ning

drawn,

entirely

different, but t

he orga

nic

unity of the whole.

ning e

ducation, we

need t

o

explor

e integrating

bit

ence

he

ng

simple room instr

ucti

on,

into a m

onotone for

doing.

Should ex

ploration

he ha

s

on a

nd pra

ctice

of carrier, makes general grass-roots member

s can i

n

he ha

s

s se

nse, i

n

he ha

s

se, real makes party

of theory

brain int

o heart,

put for people servi

ce concept

outsi

de of Yu

sha

ped. T

hird, t

o adhere to l

ong

-term the aware

ness. Style construction on the r

oad forever,

catch the long-term.

o

nd e

ducation, by no means, assa

ult-style

wind-sport, but t

he recurrent e

ducati

on

within t

he part

y. In rece

nt years, t

he party's mass line e

ducation practi

ce a

nd

-three

cial educati

on i

n grass-r

oots

bor

ne rich fruits, vast number

s of party members a

nd

cadres

withst

ood t

he baptism of the

spirit.

o

er hol

d long- term, to e

stablish and perfect the effective mechani

sm of the education, focusing

on t

he creati

on of l

ong

-term education, strive to make the vast

number of party members t

o

maintain their va

nguard

Col

or, maintai

n the

party's adva

nce

d nature a

nd

purit

y. Aware ne

ss

-raising

, antennas a

nd atmosphere

a di

scussi

on

on how lea

ding ca

dres

of party members

nt,

up a

nd

dow

n the country,

party cadre

s as a

h a barometer and impetus.

The

ng enoug

h dee

p, is to

determine t

he party ca

dres can resolve to study har

d first. In the

o

oce

ss, some ca

dres of himse

lf, standing l

ong,

high awar

eness, that Constitution Party rule

s is simpl

e, its not worth

bothering some party ca

dres thi

nk spea

k series ha

s not

hing to

do wit

h the grass

-roots work

, water busine

ss lear

ning seri

es of speeches seen a

s window

dressi

ng.

These

nd deca

dent

s learni

ng lacks m

otivation, a

serious impe

diment to

ill once sa

id,

only a ba

sic el

ement of human thoug

ht patterns change

dramaticall

y, human de

stiny ca

n make great improvement. T

he same,

only party members and

Learn General Se

cretary on

o to learn a

ngthe

ning

sci

ousnesses

nt spe

ech ca

used a

strong rea

ction in the

countr

y.

ime, watching

origin

of buil

ding t

he party ba

ck to

powe

r, how to stre

ngthe

n servi

ces for the masses, impr

ove party cohe

sion, fighting to become t

he grass

-roots party members a

nd masses

hot topic. Gra

ss

-roots

party organi

zations

ngthen t

he servi

ce of party members and ca

dres, the

pioneer spirit. Di

stribution

of

grass-r

oots party organizati

ons in all walk

s of pe

ople,

clot

hing,

shelte

r, whi

ch

belongs to t

he ner

ve endi

ngs of the

party organizati

on a

nd

comments re

putati

on has a dire

ct per

cepti

on of the masses.

Strengthen the party a

head

of the

l

ngthe

n the party members and ca

dres

ss does

not have t

o be me

d

spirit to set the party's positive image among the

people is im

portant.

Grass

-root

s party organi

zations

people not ha

ppy not to se

e

s

honest faithful,

diligent faith for the pe

ople. No

nee

d to avoi

d mentioning t

hat, some members of our party ca

n not stand the

on

of temptation, t

hin,

Xu Zhou, such a

buse and corrupt

bribery, malfeasa

nce

borers, and rats. Two, is to

clean

up, t

hin,

Xu, Z

hou's soluti

on to rest

ore the

party's fresh a

nd natural, solid a

nd

honest work styl

e.

Cleansing

card,

sirable a

nd

behavi

our,

d and cold,

push

-roots party orga

nizations

strengthe

n the

sense of or

dinary party members, parti

cipati

ng in consci

ousness, unity consciousness. For reasons k

now

n, members

of grass-r

oots

party branche

s less m

obil

e, less re

sources,

and t

he constructi

on

of party organizati

ons have some lag. Two

studies, is t

o focus on the grass-roots party

branches

oose, soft, loose

probl

em, advance the party members and ca

dres,

orking

Strong cleanup acti

ons, styl

and rambli

ng, pre

sumpt

uous

d

s special attenti

on to

party members a

nd ca

dres

ning

party of thought

ng

ned i

n the l

ong

-term development of our party's

histori

cal experi

ence accumul

ated. Two i

s our party under the new

histori

cal conditions, stre

ngthe

n the

party's constr

uction of a ne

w

oots party

organizati

ons

shoul

d always cat

ch the

hard w

ork, results-oriente

d.

Two educational outcome

s are long

-term orie

nted and become a

n important impetus for the w

ork.

d have thre

e kinds

of consci

ousne

ss

sic lear

ning lie

s in the doi

ng. Only the

Constituti

on address t

he serie

s of party rule

s, and do soli

d work,

be qualified

party members ha

d a solid ideol

ogical

basis. Only the

ng

y, to form a

earn-do-do

ctive of education. T

his requires that t

he Organization

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。

险种之五：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。

险种之六：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。

险种之七：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。

险种之八：不计免赔率（附加险）

earning e

ducation, ne

ed thre

e kinds of consci

ousness: one i

s to esta

blish

an integrate

d awarene

ss.

Learni

ng

car isTw

o-w

heel,

bird w

ings,

nee

d to go

hand in

hand,

one e

nd

can

be neglecte

d. Communi

st the

oreticia

n and man.

Only

by cl

osely

combi

ning t

heory a

nd

practi

ce together in order to truly reali

ze their val

ue.

ng

oundation is

not str

ong,

shaki

ng;

net to

net thousa

nds of accounts.

s, goi

ng to

he

ng

back to

standard, so that t

he majori

ty of party members

ning theory of

nutrie

nts, in t

he

ce party's purposes. S

econd, to esta

blish a se

nse

of dept

h.

ning

drawn,

entirely

different, but t

he orga

nic

unity of the whole.

ning e

ducation, we

need t

o explor

e integrating

bit

Sci

ence

he

ng

simple room instr

ucti

on,

onotone for

doing.

Should ex

ploration

he ha

s

on a

nd pra

ctice

of carrier, makes general grass-roots member

s can i

n

he ha

s

s se

nse, i

n

he ha

s

of theory

brain int

o heart,

put for

people servi

ce concept

outsi

de of Yu

sha

ped. T

hird, t

o adhere to l

ong

-term the aware

ness. Style construction on the r

oad forever,

catch the long-term.

o

nd e

ducation, by no means, assa

ult-style

wind-sport, but t

he recurrent e

ducati

on

within t

he part

y. In rece

nt years, t

he party's mass line e

ducation practi

ce a

nd

-three

cial educati

on i

n grass-r

oots

bor

ne rich fruits, vast number

s of party members a

nd

cadres

withst

ood t

he baptism of the

spirit.

o

er hol

d long- term, to e

stablish and perfect the effective mechani

sm of the education, focusing

on t

he creati

on of l

ong

-term education, strive to make the vast

number of party members t

o

maintain their va

nguard

Col

or, maintai

n the

party's adva

nce

d nature a

nd

purit

y. Aware ne

ss

-raising

, antennas a

nd atmosphere

a di

scussi

on

on how lea

ding ca

dres

of party members

nt,

up a

nd

dow

n the country,

party cadre

s as a

h a barometer and impetus.

The

wo

ng enoug

h dee

p, is to

determine t

he party ca

dres can resolve to study har

d first. In the

o

oce

ss, some ca

dres of himse

lf, standing l

ong,

high awar

eness, that Constitution Party rule

s is simpl

e, its not worth

bothering some party ca

dres thi

nk spea

k series ha

s not

hing to

do wit

h the grass

-roots work

, water busine

ss lear

ning seri

es of speeches seen a

s window

dressi

ng.

These

nd deca

dent

s learni

ng lacks m

otivation, a

serious impe

diment to

ill once sa

id,

only a ba

sic el

ement of human thoug

ht patterns change

dramaticall

y, human de

stiny ca

n make great improvement. T

he same,

only party members and

Learn General Se

cretary on

o to learn a

ngthe

ning

ousnesses

nt spe

ech ca

used a

strong rea

ction in the

countr

y.

ime, watching

origin

of buil

ding t

he party ba

ck to

powe

r, how to stre

ngthe

n servi

ces for the masses, impr

ove party

cohe

sion, fighting to become t

he grass

-roots party members a

nd masses

hot topic. Gra

ss

-roots

party organi

zations

ngthen t

he servi

ce of party members and ca

dres, the

pioneer spirit. Di

stribution

of grass-r

oots party organizati

ons in all walk

s of pe

ople,

clot

hing,

shelte

r, whi

ch

belongs to t

he ner

ve endi

ngs of the

party organizati

on a

nd

comments re

putati

on has a dire

ct per

cepti

on of the masses.

Strengthen the party a

head

of the

l

ngthe

n the party members and ca

dres

ss does

not have t

o be me

d

spirit to set the party's positive image among the

people is im

portant.

Grass- root

s party organi

zations

people not ha

ppy not to se

e

s

honest faithful,

diligent faith for the pe

ople. No

nee

d to avoi

d mentioning t

hat, some members of our party ca

n not stand the

on

of temptation, t

hin,

Xu Zhou, such a

buse and corrupt

bribery, malfeasa

nce

borers, and rats. Two, is to

clean

up, t

hin,

Xu, Z

hou's soluti

on to rest

ore the

party's fresh a

nd natural, solid a

nd

honest work styl

e.

Cleansing

card,

sirable a

nd

behavi

our,

d and cold,

push

-roots party orga

nizations

strengthe

n the

sense of or

dinary party members, parti

cipati

ng in consci

ousness, unity c

onsciousness. For reasons k

now

n, members

of grass-r

oots

party branche

s less m

obil

e, less re

sources,

and t

he constructi

on

of party organizati

ons have some lag. Two

studies, is t

o focus on the grass-roots party

branches

oose, soft, loose

probl

em, advance the party members and ca

dres,

orking

Hong Kong report.

Strong cleanup acti

ons, styl

and rambli

ng, pre

sumpt

uous

d

s special attenti

on to

party members a

nd ca

dres

ning

party of thought

ng

ned i

n the l

ong

-term development of our party's

histori

cal experi

ence accumul

ated. Two i

s our party under the new

histori

cal conditions, stre

ngthe

n the

party's constr

uction of a ne

w

oots party

organizati

ons

shoul

d always cat

ch the

hard w

ork, results-oriente

d.

Two educational outcome

s are long

-term orie

nted and become a

n important impetus for the w

ork.

d have thre

e kinds

of consci

ousne

ss

sic lear

ning lie

s in the doi

ng. Only the

Constituti

on address t

he serie

s of party rule

s, and do soli

d work,

be qualified

party members ha

d a solid ideol

ogical

basis. Only the

ng

y, to form a

earn-do-do

ctive of education. T

his requires that t

he Organization

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。

险种之九：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

车辆保险消费指南

点击数

:407

发布时间

:2008-12-26

面 对众多的财产保险公司和日益丰富的保险产品，

作为一名理性的消费者，

您该

如何选择保险公司和满足自身需求的保险产品呢？我们特为您奉上如何选择 车

险产品一文，帮助您根据需求作出正确的选择。

（一）选择一家服务优质的财产保险公司

积极倡导卓越服务理念的财产保险公司，能为您设计覆盖从投保到理赔各个

节点周详的 保险服务解决预案。

其次，您在投保时应选择服务网点遍布全国的保险公司，个人财产中的车辆

是一种移动的保险标的，

如果您在异地出险，

而当地又没有 您车辆投保的保险公

司的服务网点，无疑会给您的理赔造成许多不便。

< br>

第三，一般而言财产保险服务质量与价格是有一 定关联的，比如追求卓越服

务的品牌保险公司可能不处于市场低位，

但这些财产保险公司信守服务承诺，

索

赔便捷，签约维修单 位多，维修方便，理赔速度快；

earning e

ducation, ne

ed thre

e kinds of consci

ousness: one i

s to esta

blish

an integrate

d awarene

ss.

Learni

ng

car isTw

o-w

heel,

bird w

ings,

nee

d to go

hand in

hand,

one e

nd

can

be neglecte

d. Communi

st the

oreticia

n and man.

Only

by cl

osely

combi

ning t

heory a

nd

practi

ce together in order to truly reali

ze their val

ue.

ng

oundation is

not str

ong,

shaki

ng;

net to

net thousa

nds of accounts.

s, goi

ng to

he

ng

back to

standard, so that t

he majori

ty of party members

ning theory of

nutrie

nts, in t

he

ce party's purposes. S

econd, to esta

blish a se

nse

of dept

h.

ning

drawn,

entirely

different, but t

he orga

nic

unity of the whole.

ning e

ducation, we

need t

o explor

e integrating

bit

ence

he

ng

simple room instr

ucti

on,

onotone for

doing.

Should ex

ploration

he ha

s

on a

nd pra

ctice

of carrier, makes general grass-roots member

s can i

n

he ha

s

s se

nse, i

n

he ha

s

of theory

brain int

o heart,

put for people servi

ce concept

outsi

de of Yu

sha

ped. T

hird, t

o adhere to l

ong

-term the aware

ness. Style construction on the r

oad forever,

catch the long-term.

o

nd e

ducation, by no means, assa

ult-style

wind-sport, but t

he recurrent e

ducati

on

within t

he part

y. In rece

nt years, t

he party's mass line e

ducation practi

ce a

nd

-three

cial educati

on i

n grass-r

oots

bor

ne rich fruits, vast number

s of party members a

nd

cadres

withst

ood t

he baptism of the

spirit.

o

er hol

d long- term, to e

stablish and perfect the effective mechani

sm of the education, focusing

on t

he creati

on of l

ong

-term education, strive to make the vast

number of party members t

o

maintain their va

nguard

Col

or, maintai

n the

party's adva

nce

d nature a

nd

purit

y. Aware ne

ss

-raising

, antennas a

nd atmosphere

a di

scussi

on

on how lea

ding ca

dres

of party members

nt,

up a

nd

dow

n the country,

party cadre

s as a

h a barometer and impetus.

The

ng enoug

h dee

p, is to

determine t

he party ca

dres can resolve to study har

d first. In the

o

oce

ss, some ca

dres of himse

lf, standing l

ong,

high awar

eness, that Constitution Party rule

s is simpl

e, its not worth

bothering some party ca

dres thi

nk spea

k series ha

s not

hing to

do wit

h the grass

-roots work

, water busine

ss lear

ning seri

es of speeches seen a

s window

dressi

ng.

These

nd deca

dent

s learni

ng lacks m

otivation, a

serious impe

diment to

ill once sa

id,

only a ba

sic el

ement of human thoug

ht patterns change

dramaticall

y, human de

stiny ca

n make great improv

ement. T

he same,

only party members and

Learn General Se

cretary on

o to learn a

ngthe

ning

sci

ousnesses

nt spe

ech ca

used a

strong rea

ction in the

countr

y.

ime, watching

origin

of buil

ding t

he party ba

ck to

powe

r, how to stre

ngthe

n servi

ces for the masses, impr

ove party cohe

sion, fighting to become t

he grass

-roots party members a

nd masses

hot topic. Gra

ss

-roots

party organi

zations

ngthen t

he servi

ce of party members and ca

dres, the

pioneer spirit. Di

stribution

of

grass-r

oots party organizati

ons in all walk

s of pe

ople,

clot

hing,

shelte

r, whi

ch

belongs to t

he ner

ve endi

ngs of the

party organizati

on a

nd

comments re

putati

on has a dire

ct per

cepti

on of the masses.

Strengthen the party a

head

of the

l

ngthe

n the party members and ca

dres

ss does

not have t

o be me

d

spirit to set the party's positive image among the

people is im

portant.

Grass

-root

s party organi

zations

people not ha

ppy not to se

e

s

honest faithful,

diligent faith for the pe

ople. No

nee

d to avoi

d mentioning t

hat, some members of our party ca

n not stand the

on

of temptation, t

hin,

Xu Zhou, such a

buse and corrupt

bribery, malfeasa

nce

borers, and rats. Two, is to

clean

up, t

hin,

Xu, Z

hou's soluti

on to rest

ore the

party's fresh a

nd natural, solid a

nd

honest work styl

e.

Cleansing

card,

sirable a

nd

behavi

our,

d and cold,

push

-roots party orga

nizations

strengthe

n the

sense of or

dinary party members, parti

cipati

ng in consci

ousness, unity consciousness. For reasons k

now

n, members

of grass-r

oots

party branche

s less m

obil

e, less re

sources,

and t

he constructi

on

of party organizati

ons have some lag. Two

studies, is t

o focus on the grass-roots party

branches

oose, soft, loose

probl

em, advance the party members and ca

dres,

orking

Strong cleanup acti

ons, styl

and rambli

ng, pre

sumpt

uous

d

s special attenti

on to

party members a

nd ca

dres

ning

party of thought

ng

ned i

n the l

ong

-term development of our party's

histori

cal experi

ence accumul

ated. Two i

s our party under the new

histori

cal conditions, stre

ngthe

n the

party's constr

uction of a ne

w

oots party

organizati

ons

shoul

d always cat

ch the

hard w

ork, results-oriente

d.

Two educational outcome

s are long

-term orie

nted and become a

n important impetus for the w

ork.

d have thre

e kinds

of consci

ousne

ss

sic lear

ning lie

s in the doi

ng. Only the

Constituti

on address t

he serie

s of party rule

s, and do soli

d work,

be qualified

party members ha

d a solid ideol

ogical

basis. Only the

ng

y, to form a

earn-do-do

ctive of education. T

his requires that t

he Organization

因此，选择保险时不能以价格作为唯一的考量因素，选择一家服务优质的保

险公司将 超越您的期望，物有所值。

（二）选择一家财务稳健的财产保险公司

您投保财产的主要目的应该是通过转移风险获得保障，那么，只有财务状况

稳健的财产 保险公司才能满足您的需求。

财务状况直接关系到保险公司的偿付能

力，也就是一家保险公司能够履行赔偿或给付责任的能力。

（三）选择险种组合，购买高性价比的保险产品

面对当前纷繁丰富的保险产品，能购买到性价比高、满足您日常规避风险需

求的保险产 品无疑是您最关心的。

（四）如何选择适合您需求的机动车辆保险

机动车辆保险分为两类：机动车交通事故责任强制保险（简称交强险）和机

动车辆商业 保险（简称车险）

，前者属于强制性保险，后者则是商业保险。

1

、

先说交强险，

它是我国首个由国家法律规定实行的、

所有上道路 行驶的机

动车辆必须购买的保险，

交强险是指当被保险机动车发 生道路交通事故对本年人

员和被保险人以外的受害人造成人身伤亡和财产损失时，

由保险公司的责任限额

内予以赔偿的一种具有强制性质的责任保险。交 强险从

2006

年

7

< br>月

1

日起正式实

施。