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枫下家园 / 爱车一族 / 看了关于汽车保险的帖子,有点糊涂了,究竟应该买那些基本的险种比较适合?我只买了200万的第三者责任险,万一撞了车如果是我的责任,保险公司只陪一半?
-ykk(lkmj);
2002-9-27
(#770764@0)
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第三方险就是如果你撞了车,错在你,保险公司赔付对方的损失,你的所有损失自负。
-johnnyhatesjazz(Rock and Roll);
2002-9-27
(#770794@0)
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NO, 0%
-holly999(酒肴肴);
2002-9-27
(#770811@0)
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你这是什么意思?误导
-win(秋天的菠菜);
2002-9-27
(#770852@0)
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菠菜兄,支支招吧,买什么险种合适?
-ykk(lkmj);
2002-9-27
(#770875@0)
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这个我可不在行。你的问题我认为Rock and Roll答复是对的。一般来说大家心里可能有一门槛值,比如说$4000吧,高于此全保,低于此三保。至于门槛设为多少,就要估摸着办了。等于没说。
-win(秋天的菠菜);
2002-9-27
{10}
(#770883@0)
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我理解是这样的, 如果是你的责任, 全保, 保险公司赔给你钱, 但几年内肯定再通过提高保费要回去, 是不是这样?
-decentboy(黄金重装甲骑士);
2002-9-27
(#770907@0)
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不然。如果是你的责任, 无论三包、全包,统统会长保费(并不因为你全包才涨)。而且,无论你责任大小,保费涨幅相同。
-siebel(湘皖酒家);
2002-9-27
(#771400@0)
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After you file a claim, your premium will increase, but not depend on the amount of the claim. Since you got into an accident, the probability for you to get into another accident is higher based on past information,thus a new premium calculation formula will apply to you because you belong to another class of driver with higher risk. The insurer does not want to recover the money from you for the claim you filed in the PAST. Instead, the insurer wanna make sure overall, for your class of people ( or we called it a pool), the total claims in the FUTURE is lower than the net premium collected.
-jeffrey815(Smartiecat);
2002-9-27
{383}
(#771423@0)
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谢谢:)
-ykk(lkmj);
2002-9-27
(#770938@0)
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菠菜,“只买了200万的第三者责任险,万一撞了车如果是我的责任,保险公司不陪”不对吗?我撞了车,修花$6000多,因为是我的责任+三保,没得到1分的赔偿。这是事实,不是误导。
-holly999(酒肴肴);
2002-9-27
(#771588@0)
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Yes, and No.
-patpat(乃胡侃而已);
2002-9-27
(#771616@0)
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酒兄,他还比较关心对方的赔偿,如果统称0%,吓人呀。
-win(秋天的菠菜);
2002-9-30
(#774519@0)
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买100万就够了。
-z24(⌒⊥⌒™);
2002-9-27
(#770929@0)