In the second-hand car trading, the seller often shot only to expire auto insurance, the buyer took over will have to reconsider the investment risk. This reporter learned that, in addition to pay compulsory insurance, third party liability insurance required "hard" insurance, greater flexibility, highly technical "soft insurance trade-offs is very demanding.
"10 million cars, even shrunk to 50,000, Che Sunxian or calculated on the base price of 100,000 yuan, the insurance company Miss Zhang told reporters, even if the value has shrunk dramatically, but the second-hand car the Che Sunxian still new car to purchase insurance coverage and claims. In theory, the higher claims of the owners of the dangerous condition available, but in practice, most of the used car owners for some small rub small touch negligible.
The special margin fan clutch recommendations, if the owner is one of the purposes of buying a used car is the use of cost savings, then the owner can basically do not have to consider Che Sunxian, the same, similar to scratches insurance, glass insurance and other types of insurance, used car is not meaningful large.
The basic daoqiangxian the old and the new vehicles are necessary for insurance, but daoqiangxian and Che Sunxian of different, insured and dangerous condition of the costs are calculated by the real-time value of the vehicle, so owners in the choice we must take into account the prices of shrinking factors.
In general, cars monthly depreciation of about 0.6% of the new car to purchase, the annual depreciation rate of around 7%, rather than a new car, used car values shrink faster. "In other words, the value of the insured car is $ 80,000, If grab Pirates, when the car value had fallen to $ 60,000, the amount of insurance claims is 20% off of $ 60,000, based on call" An industry source told reporters that "owners insurance for used cars, best to do on the car's value and possible changes in the value of certain estimates, do not waste money."
To buy second-hand car, the performance of the car, the condition is often the focus of buyers and sellers bargaining, in fact, the history of a used car is also very "valuable". Reporter learned from Ping An Insurance, the history of the vehicle before the car insurance claims records is, in general, one loss record used cars premiums will be higher than the old car no claims record, and for the "net worth clean "vehicles, insurance companies in enrollment or renewal often give a certain percentage discount.
Therefore, the owner at the time of purchase second-hand car, best original owners ask for the original car insurance policy, especially used cars for tying auto insurance, do not take the initiative to provide insurance policy to pay attention to, perhaps accidentally, the buyer will have to car car "criminal record" extra pay a premium.
According to the special Yu Fan Clutch understand, loss of vehicle insurance refers to insurance coverage insurance vehicle suffered natural disasters (including earthquakes) or accident, resulting in the loss of the insured vehicle itself, the insurer based on the provisions of the insurance contract to compensate. This is the main vehicle insurance insurance. Security can not be maintained this insurance, you need to weigh the impact. If you do not insurance, the cost of repairing the vehicle collision have all by themselves. This is just the opposite with a third party is on his own, if you care of their car to buy. Usually small knock a small touch, can be compensated. Play an important role in safeguarding the interests of the owners.
