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沒有要求，碰撞及綜合險也是保險業(yè)大力推薦的險種，以便在不可預(yù)知的毀壞或偷盜情況下，車主可以避免重大損失。車輛偷盜現(xiàn)象很常見。醫(yī)療險、個人上海保護險和無過錯險醫(yī)療險講對被保險人及車上人員在事故后的醫(yī)療保險費用進行賠付。這些費用可能由于投保人駕駛自己的車或別人的車是發(fā)生的事故，或者被保險人及其家庭成員在步行時收到的傷害。無論過錯在哪一方，保險公司都會進行賠付，但若責(zé)任由第三方造成，保險公司可以對其進行追償。個人傷害保護險是醫(yī)療險的一種延伸形式。他用來支付與傷害有關(guān)的費用但并非必須是醫(yī)療的，如喪失的工資收入，幼托、喪葬支出等。目前有16各州要求購買個人上海保護險，如果你已經(jīng)投保了一份不錯的身體健康保險的話，幸運的是你只需要買最低額度的醫(yī)療險或個人傷害保護險即可。無保險駕駛?cè)穗U或保額不足駕駛?cè)穗U無保險駕駛?cè)穗U在你被撞傷而肇事司機逃逸或被沒有投保汽車保險的司機撞傷時進行賠付。在有些州，這兩種險也對財產(chǎn)損失進行賠付。保額不足駕駛?cè)穗U肇事司機所投的責(zé)任保險額不足一米不造成的損失時保險公司進行賠償。在有些州，這兩種險也對財產(chǎn)損失進行賠付。類似地，保額不足駕駛?cè)穗U也會在你遭受一個保額不足的司機裝及時給與賠付。如果你是行人遭受撞擊，保額不足駕駛?cè)穗U會支付這些費用。附加條款汽車保險有很多補充，即可作為單獨險種，也可作為附加條款。租車補償條款常見的附加條款，當你的車損壞或丟失而不能使用時的租車費用。拖車和人工條款以防止車輛途中拋錨，亦很常見。差價補償條款若你的新車全損，用來支付實際價值和汽車貸款余額之間的差額。每個州都要求車主購買基本的汽車保險。在汽車的使用過程中，要求隨車攜帶保險證明。在以下這些時候你可能要出示保險證明：汽車登記時，發(fā)生事故時，還有駕駛過程中。建議車主將保險證明放到車上，而不是帶在身上，這樣不管歲駕駛，都可以隨時出示保險證明。任何違反州法律中關(guān)于汽車保險內(nèi)容的行為都會帶來一些后果，輕則高額罰款，重則吊銷駕照甚至入獄。這些可怕的后果說明購買汽車保險非常值得。不投保而又不被懲罰的可能性很小，一旦被發(fā)現(xiàn)將重罰。汽車保險益處基本保障包括：保證對車企及車體的終身維修，維修期間提供代步車，24小時熱線服務(wù)電話，及時安排維修，晚間緊急情況下的住宿，對私人隨身物品、醫(yī)療費用、車內(nèi)音頻視頻設(shè)備的損壞予以賠償，24小時擋風(fēng)玻璃的更換，維修熱線提供法律和醫(yī)療方面的建議及事故后咨詢。附加保障包括：最大限度的無賠款優(yōu)待，法律幫助，旅行意外險及拋錨險，如在路邊，修車時或在家拋錨的情況下提供幫助。投保人選擇的險種不同，保險就有所不同。投保人可以按需要從下列險種中選擇：第三者責(zé)任險——保險公司對因被保險人駕駛時的責(zé)任引起的三方人身傷害或財產(chǎn)損失負賠償責(zé)任。第三者火災(zāi)及盜搶險——除了上述第三方責(zé)任險外保險公司還對投保人車輛在事故中遭受的火災(zāi)及盜搶負賠償責(zé)任。綜合損失險——對被保險人的車輛損失以及第三者的人身損害和財產(chǎn)損失提供保障。投保人可以將下列內(nèi)容補充道一上車險種：前一沒有索賠，保險公司給與的最大限度的無賠款優(yōu)待；法律幫助計劃； 拋錨險； 旅行意外險。上面簡要介紹了保險所提供的保障，下面我們分別詳細說明。1）24小時服務(wù)熱線當投保人發(fā)生了事故或遭受了損失，可以隨時撥打保險公司24小時服務(wù)熱線，向態(tài)度友好、處理高效的專家說明。2）及時安排維修發(fā)生了保險單中載明的事故之后，投保人如果選擇保險公司推薦的修理廠進行維修的話，保險公司將會立刻通知該維修廠提供服務(wù)。這些維修廠都是經(jīng)保險公司嚴格檢查，始終保持較高工作質(zhì)量，經(jīng)他們維修過的車起火車身可以終身保修就是證據(jù)。3）關(guān)于熱線電話給于的特別折扣及24小時更換玻璃服務(wù)如果投保車輛的擋風(fēng)玻璃，車程幾天窗玻璃破損，被保險人可以撥打24小時波利維修熱線。如果投的是綜合損失險，所有維修都將免費。如果已經(jīng)無法維修的就只能更換，超出部分費用由投保人自己承當。超出的費用已在投保人的投保單中注明，如果投保人決定比進行索賠或通過其他險種索賠，將會得到來自供應(yīng)商的額外折扣。4）車輛維修只要是再保險責(zé)任內(nèi)車輛發(fā)生損壞事故，保險公司專門推薦的一些維修廠會集中并運送投保人的車輛。如果保單有相應(yīng)記載，他們還將提供代步車給投保人使用。車輛一到修理廠馬上開始修理。為了保證不影響被保險人保單的效力，汽修廠將會對車企和車身進行終身保修。Auto insuranceAuto insurance is a contract that protects your financial security in case of an it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states。every state has minimum insurance said owner cannot produce proof of satisfactory assets, the he must buy an auto insurance of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair to the Insurance Information Institute, a basic auto insurance policy is prised of six basic types of some of these types of coverage are required by state law, some are considered are: injury liability damage liability payments or Personal Injury Protection (that’s for the damage you do to others)are usually presented as a series of three example, your agent might say that your policy carries liability limits of 20/40/ stands for $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and 10,000 in propertydamage coverage per insurance(both bodily injury and property damage)is the foundation of most auto insurance state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only that requires auto insurance but does not call for bodily injury you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bodily injury coverage would pay for medical bills and lost wages。the property damage coverage would pay for any auto repairs, or damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp plus, fences, buildings, or anything sew that your car ma have other party also decide to sue you to collect” pain and suffering” the Minimum levels of required auto liability insurance to find out what’srequired where you , if you cause a serious accident, minimum insurance may not cover you ’s why it’s a good idea to buy more than what your state you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drives who injure them in car you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll bee a and prehensive coverage’sIf you cause and accident, collision coverage will pay to repair your usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement coverage is normally the most expensive ponent of auto choosing a higher deductible, say $500or $1, 000, you can keep your premium costs down...However, keep in mind that you most pay the amount of deductible before the insurance pany kicks in any money after an cost is the amount it would take to replace your vehicle or repair damages with materials of similar kind and quality, without deducting for is the decrease in vehicle value because of age or wear and cash value(ACV)is the value of your property when it is damaged or adjusters usually figure ACV by taking the replacement cost and subtracting panies often will “total” your car if the repair costs exceed a certain percentage of the car’s critical damage point varies from pany to pany, from 55 percent to 90 coverage will pay for damages to your car that weren’t caused by an auto accident: Damages form theft, fire, vandalism, natural disasters, or hitting a deer all coverage also es with a deductible and your insurer will only pay as much as the car was worth when it got insurance panies normal will not pay you more than your coo’s book value, it’s helpful if you have a rough idea of this your car is worth less than what you’re paying for the coverage, you’re better off not having collision nor prehension insurance is required by any of the states, but some le