After the car is bought, if you don't have a card, you must first buy an insurance (advantageous insurance). Otherwise, the police uncle will not allow you to go on the road. However, the light to buy a strong insurance, driving out is not practical, there are many types of car insurance to consider. Insurance is complete, and it's not an insurance company that will pay you. Claims can be much more complex than buying insurance. What are car insurance and what should I buy? Today, we introduce the top 10 auto insurance insurance companies to see what they are all about and what are the conditions when making claims. 10th place: Body scratch damage insurance Commonly referred to as scratch insurance, it refers to no trace of collision, but the body paint is damaged. For example, if the location of parking is not good enough to be vented, or if you encounter a bear boy, you can use scratch insurance. This type of insurance is suitable for owners who are more expensive and less secure in parking locations. Purchase ratio: 10% Recommended index: ☆ 9th place: engine wading damage insurance Commonly known as "wading insurance." If the vehicle enters water, the damages paid by the vehicle damage insurance will only be paid for cleaning the vehicle and other parts of the vehicle other than the loss of the engine. The mechanical loss of the engine is not included in the payment. The reason for this is that damage to the engine is generally accompanied by “misoperations.†After the driver enters the water, the driver tries to start the vehicle again. This will lead to engine damage, and the engine is one of the most valuable components in the car. . “Sweeping water insurance†is a type of insurance that is specifically designed to compensate for damage to the engine caused by improper operation of the driver after entering the water. Purchase ratio: 20% Recommendation index: ★ 8th place: glass breakage insurance Commonly known as "glass insurance." If the vehicle has only glass damaged, no matter how it is caused, the vehicle damage insurance will not be paid. Therefore, there is a separate risk of glass, which is for the kind of do not know how it is, but the glass is broken. Such as the front block cracking, crushed by the stone children, etc., are all glass insurance claims range. This type of insurance is necessary for those models that are particularly expensive for front and rear glass. Purchase ratio: 30% Recommended index: ★☆ 7th place: Robbery The stolen emergency only claims compensation for the “whole vehicle†stolen. Including vehicle theft, vehicle damage after vehicle recovery, vehicle parts damage caused by the theft process can be compensated, the specific claim requirements is reported to the public security organs above the county level after the criminal record 60 days or more If you cannot solve the case, you can claim compensation. There are pits for robbers. If the robbery is only part of the car, such as smashing your car's glass and leaving your car's tires, you are not in the claim. Purchase ratio: 40% Recommended index:★★ 6th place: Personnel liability insurance on board Commonly known as "occupant insurance." According to the number of seats insured. In the case of claim settlement, after a traffic accident occurs, if the personnel on the own vehicle have casualties, they will be compensated by the occupant insurance. In the deductible clause, it is stipulated that “the occupant who illegally boarded the vehicle†is not included in the scope of the claim. Therefore, if the “passenger†in the current car field is injured in the accident, it is basically impossible to take the occupant insurance claim. Purchase ratio: 80% Recommended index: ★★☆ No. 5: Loss of spontaneous combustion Commonly known as "self-ignition insurance." The claim for self-ignition insurance is the loss of the vehicle caused by a fire accident caused by the vehicle's own circuit, oil circuit or other reasons without the external fire source. If it is outside sources of fire, artificial arson and other factors, it is not included in the claims for self-ignition insurance. It should be noted that the auto-ignition caused by vehicle quality problems can be found in the insurance company’s claim. The insurance company will then claim compensation from the vendor for subrogation. Due to the increasing popularity of electrical appliance modification at present, the quality of modified parts and the level of modification operations are uneven, and more and more self-ignitions are caused due to conversion problems. It is recommended that vehicles that have been retrofitted with electric appliances should purchase self-ignition insurance just in case. In addition, with the aging of vehicles, the probability of circuit oil problems will increase, and it is recommended that self-burning insurance be purchased for vehicles older than three years. Purchase ratio: 50% Recommended index: ★★★ 4th place: irrespective of exemption rate special loss insurance Commonly known as "not counting exemptions and insurance." Among the above types of insurance, the insurance claims with the largest claims, such as the three-responsibility and the vehicle damage, have a maximum of 20% of the deductible agreement, and are in full responsibility by the insured. This means that if there is a full-fledged traffic accident, the insurance may only cover 80% of the loss, and the remaining 20% ​​will have to pay for it. Excluding exemption and indemnity insurance is a type of insurance that is developed separately for non-deductible compensation clauses. That is, if you buy a non-comprising exemption insurance policy, the amount of deductibles for those types of insurance will not be available. Insurance coverage can be 100%. Considering that the three-insurance insurance has a 20% deductible under its own responsibility, it is necessary to buy another one without deducting the compensation. Purchase ratio: 98% Recommended index: ★★★☆ 3rd place: Motor vehicle damage insurance Commonly referred to as "car damage insurance." The object of compensation for vehicle damage insurance is "own vehicle." In a traffic accident, if a traffic accident in which the insured is responsible causes damage to one's own vehicle, it will be paid by the vehicle damage insurance. It should be noted that, in addition to the most common traffic accidents in which the damage of one's own vehicle is applicable to the vehicle damage insurance, the following situations can be used to claim damages by using vehicle damage insurance: 1) Vehicle damage caused by natural disasters other than earthquakes (such as tornadoes , tsunami, lightning strikes, heavy rains, floods, mudslides, landslides, etc. The loss of vehicles can be settled); 2) Some accidents such as the falling of a vehicle, falling down by other objects, being involved in fires, being burned, ferrying overboard All can be claimed. Car damage insurance also has some pits, please note: 1) Car damage insurance is not fixed insurance, but variable value insurance, so even if it is in accordance with the new car price insurance, but the maximum loss of vehicle loss may not reach the value of the new car. At the same time, depreciation of vehicles, depreciation after maintenance, etc. are not among the claims; 2) individual glass breakage, individual tire damage, and individual body scratches are not included in the claims; 3) Vehicle auto-ignition and fire are unclear. Within the scope of insurance claims, but the fire caused by a collision or other cause of a traffic accident can be found in the vehicle damage insurance (such as a fire after a collision, an exhaust pipe caught in flammable materials, a fire, and the vehicle parked on the grass exhaust pipe ignited The fire of the hay, the weather of the harvesting season, the pressure of the straw, and the risk of fire after the tractors can take the car damage insurance); 4) The engine mechanical damage caused by the engine water is not in the vehicle damage insurance claim range; 5) The insured person is not responsible for the traffic accident, not Applicable to vehicle damage insurance claims. Purchase ratio: 95% Recommended index: ★★★★ The second place: third party liability insurance Commonly known as "three liability insurance." The compensation targets for the three liability insurance are similar to those for the compulsory traffic insurance, which are the “victims†of compensation, including the vehicles and personnel of the other party. Due to the limited coverage of high-risk insurance (the highest is 122,000 yuan), so you must buy three duties as a supplement. Especially after hitting a luxury car or hurting someone, the three responsibilities are a good guarantee. The responsibility for compensating the loss of the vehicle and the person caused by the traffic accident in which the insured person is responsible shall be the responsibility of the third party, and there shall be an agreement on the proportion of deductibles. There are many pits for the three liability insurance: 1) The agreement on the proportion of deductibles. The greater the responsibility of one’s own vehicle, the higher the rate of exemption. For example, if you take full responsibility, the insurance deductible will be 20%, that is, you can only pay 80% of the loss, and the remaining 20% ​​will still have their own pottery; 2) only lose the direct loss of the third party, for the devaluation of the other vehicle, the loss of staff , mental damage and other indirect losses are not indemnity, so when faced with an intractable victim, you may have to go to court. Purchase ratio: 99% Recommended index: ★★★★☆ Rank 1: Motor Vehicle Traffic Accident Liability Compulsory Insurance Commonly known as "transportation risk insurance", it is compulsory to purchase insurance for national regulations. The situation of payable insurance claims is similar to that of the “three-responsibility insuranceâ€. It only pays compensation to “injured parties†in traffic accidents, and damages to the insured’s vehicles and personnel on the vehicle are not included in the insurance claims. When the insured vehicle causes a casualty or property loss in a traffic accident, the compulsory insurance will give partial payment. The specific claims are as follows: 1) If the victim dies, the highest payment is 110,000 yuan; 2) If the victim is injured, the maximum compensation is 10,000 yuan; 3) The maximum loss of property loss is 2,000 yuan. That is, if the insured person causes death in a traffic accident, the maximum compensation for the compulsory insurance is 122,000 yuan. It should be noted that if the insured vehicle has no responsibility in a traffic accident, the amount payable is: 1) a maximum of 11,000 deaths; 2) a medical cost of up to 1 thousand; 3) a maximum of 100 loss of property. For example, if you hit a pedestrian with a red light and the traffic accident certificate given to you by the police uncle is not your responsibility, then the insurance cannot count on you. You can only go to court with the victim or you can pay for it yourself. The conditions of compensation for compulsory insurance include “the driver drunk driving, handing the vehicle to a driver without driving qualification, accidents during vehicle theft, and deliberately creating a traffic accidentâ€. Purchase ratio: 100% Recommendation Index: ★★★★★ The 10 major types of insurance are introduced and summed up: First, how to buy auto insurance: 1. Recommended must-buy basic auto insurance project: Traffic Insurance + at least 500,000 three-responsibility insurance + vehicle damage insurance + no deductions 2. The insurance that is proposed to increase under certain circumstances: 1) The vehicle has electric refitting or the vehicle age is more than 3 years, plus the self-ignition insurance; 2) There are more than one person in the car for a long time, plus the occupant insurance; 3) The glass is expensive Car, plus glass insurance; 4) parking lot mostly open, plus scratch insurance; 5) living in the more common areas in the inner pool, plus water insurance; 6) vehicle anti-theft system is relatively low and parking position is not fixed, Plus robberies. Second, easy to pay the deductible "pit" For the drunk driving of these obvious violations of the law, the majority of people are already well aware of it. Here are some situations that are easily overlooked but may be tricked up. Please note that: 1. Excessive driving licenses, expired vehicles, and accidents are not in the scope of claims; 2. The accident occurred when the vehicle is handed over to a person without a driver’s license is not in the range of claims; 3. Loss of accidents without their own responsibility is basically not within the scope of claims. Therefore, it does not involve hurting car damage accidents. For example, if you hit a motorcycle and you are a luxury car, the other party is a grocery shopping vehicle. You have no responsibility and the other party has no insurance. If conditions permit, let the police uncle give you a certificate. An accident certificate that you are responsible for can easily claim compensation from the insurance company.
Huali standard and soundproof containerized gen-sets have the following feature:
5.Front and back doors, two side doors and ladder on each side, designed for easier access and maintenance.
Container Type Generator,Ac Generator,Container Type Diesel Generator,Container Power Generator SHANDONG HUALI ELECTROMECHANICAL CO.,LTD , http://www.shanhuachina.cn
1.Manufacture and design gen-set`s container according to ISO container standards, gen-sets below 1250kva adopt 20ft container and above 1250kva adopt 40`ft container.
2.Container with CSC/CCS certificate, the complete containerized gen-sets can be directly carried by Cargo ship.
3.Huali container is painted with high stiffness and anti-rusty polyurethane paint; also the chose of shape stainless steel makes it superior mechanism structural quality compare to ordinary container.
4.Two anti-explosion led lights fixed inside of container and control panel, design for maintenance and operation.
6.Huali container gen-set is patent for its oil/water/diesel leakage free and recycling system.
7.All hinges, locks, screws are stainless steel, inside of the container fixed with anti sea water/rainproof accessories.
8.Fix with control panel and output panel.
9. FIX PMG (Permanent magnet Generator) as standard, which ensure the gen-sets, can be started easily and offer stable power.
10.Huali designed Fuel tank. Fuel supply drains, external auto refuelling outer joint, and muffler, etc, are well appreciated by our clients.
11.Our high performance soundproof material is durable, efficient and flameproof.
