【文章內(nèi)容簡(jiǎn)介】 bor charges in case of a broad breakdown is also coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an auto insurance is required by virtually every of insurance is required 7at different items throughout the life of a may be asked for proof of insurance at any and al of these items: at vehicle registration, at the time of an accident, and any time when driving the is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver’s license and/or time in dire consequences of driving while uninsured are not worth the neglect of paying for chance that an uninsured driver wills detection is slim。he is likely being caught and strictly benefits with auto insurance Standard Benefits Standard benefits count in Lifetime guarantee on all paint and bodywork repairs, Courtesy car, 24hour Claims Helpline, and Immediate authorization of repairs, Emergency overnight acmodation, Cover for personal effects, Cover for legal advice, medical advice and postaccident as Optional Extras Available as optional extras count in Maximum No Claim Bonus for Life, Legal Assistance, Travel Accident Plan and Breakdown Cover such as roadside, recovery and home benefits are different with the level of coverage you can select the cover that sits your knees, form: Third Party onlythird party liability protection for injury or damage insured drivers may cause to others or their property Third Party Fire and Theftfire and theft cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property Comprehensiveloss or damage cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property You may add the following optional extras to any of the above covers。1)Maximum No Claim Bonus for Life 2)Legal Assistance Plan 3)Breakdown Cover 4)Travel Accident Plan Some Key Benefits in a little More DetailWe’ve outlined the range of benefits you can earn let us explain in a little more detail just what some of those benefits mean to you: 1)24 Hour Claims Helpline When you’ve had an accident or loss calls our Claims to friendly and efficient experts 24 hours a day 2)For Immediate Authorization of Repairs(Comprehensive Only)Following an accident covered by your policy, if you choose to have the repairs carried out by one of our Remended Repairers, we can arrange for them to be authorized straight repairers are all thoroughly checked to make sure that their work is of a consistently high proof, all paint and bodywork repairs carried out by our repairers are guaranteed for the lifetime of the car 3)Special Discount through the Glass Helpline And 24hour Glass Replacement If you have our Comprehensive Cover, any repairs will be free of repairs aren’t possible then you’ll get a replacement but will have to pay the windscreen excess which is shown under’ Own Damage Excess’ in your you decide not to claim, or have another type of cover, you will receive a special discount from our )Vehicle Repairs Where your policy provides cover for damage to your vehicle, we have a network of Remended Repairers who will collect and redeliver your provided for under your policy, they will also provide a courtesy car to keep our repair process will mence immediately the vehicle arrives on their ensure there is no effect on any existing warranty you may have, they provide a Lifetime Guarantee on all paint and bodywork repairs.第二篇：汽車車險(xiǎn)分析第三者責(zé)任險(xiǎn)是保險(xiǎn)公司對(duì)第三者損失承擔(dān)責(zé)任的保險(xiǎn)。在交通意外中，你的人是第一者，你的車是第二者，其他車、人是第三者。交通事故發(fā)生后，如果交警責(zé)任認(rèn)定認(rèn)為你承擔(dān)全部責(zé)任，那么保險(xiǎn)承擔(dān)第三者損失的80%，你承擔(dān)主要責(zé)任，保險(xiǎn)承擔(dān)85%，你承擔(dān)一半責(zé)任，保險(xiǎn)承擔(dān)90%。你承擔(dān)次要責(zé)任，保險(xiǎn)承擔(dān)95%?！安挥?jì)免賠險(xiǎn)”，正式名稱為不計(jì)免賠率特約條款，是車險(xiǎn)的一個(gè)附加險(xiǎn)種，車主只要投保了這個(gè)險(xiǎn)種，就能把本應(yīng)由自己負(fù)責(zé)的5％到20％的賠償責(zé)任再轉(zhuǎn)嫁給保險(xiǎn)公司。例如：你把別人的車撞了，花了1000元，如果沒(méi)有不計(jì)免賠，你可能要自己承擔(dān)15%，保險(xiǎn)公司就只能賠你850元。有了不計(jì)免賠險(xiǎn)就可以全賠。不計(jì)免賠險(xiǎn)可以購(gòu)買好幾個(gè)險(xiǎn)種的不計(jì)免賠，有車損險(xiǎn)、三者險(xiǎn)、盜搶險(xiǎn)、車上人員責(zé)任險(xiǎn)和車身劃痕險(xiǎn)的不計(jì)免賠，一般情況下，大多數(shù)車險(xiǎn)保單上都是購(gòu)買車損和三者險(xiǎn)的不計(jì)免賠，不一定有劃痕險(xiǎn)的不計(jì)免賠，如果保單上買了車損或三者或其他不是劃痕險(xiǎn)的不計(jì)免賠，那么，劃痕險(xiǎn)出現(xiàn)時(shí)，按照劃痕險(xiǎn)的條款要求“每次賠償實(shí)行15％的免賠率”，被保險(xiǎn)人就得自行承擔(dān)這15％。盜搶險(xiǎn)全稱是機(jī)動(dòng)車輛全車盜搶險(xiǎn)。機(jī)動(dòng)車輛全車盜搶險(xiǎn)的保險(xiǎn)責(zé)任為全車被盜竊、被搶劫、被搶奪造成的車輛損失以及在被盜竊、被搶劫、被搶奪期間受到損壞或車上零部件、附屬設(shè)備丟失需要修復(fù)的合理費(fèi)用?？梢?jiàn)，機(jī)動(dòng)車輛全車盜搶險(xiǎn)的保險(xiǎn)責(zé)任包含兩部分：一是因被盜竊、被搶劫、被搶奪造成的保險(xiǎn)車輛的損失；二是因保險(xiǎn)車輛被盜竊、被搶劫、被搶奪造成的合理費(fèi)用支出。對(duì)上述兩部分費(fèi)用由保險(xiǎn)公司在保險(xiǎn)金額內(nèi)負(fù)責(zé)賠償保險(xiǎn)車輛全車被盜竊、被搶劫、被搶奪造成的損失。保險(xiǎn)責(zé)任保險(xiǎn)車輛全車被盜竊、被搶奪，經(jīng)縣級(jí)以上公安刑偵部門立案核實(shí)，滿