车险如何买 最划算？
<P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体><SPAN style="mso-spacerun: yes"> </SPAN>如今汽车车险种类繁多，选择什么样的车险，才最<SPAN lang=EN-US>“保险”最划算？为了让消费者了解相关知识，我们邀请来专业保险代理专家开设保险专栏。今天，专家带来的是几种“最划算的车险组合”。 <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></FONT></SPAN></P><P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体>除交强险是一份机动车辆必须购买的强制保险外，有几种组合可以根据消费者的不同需要达到投保效果最大化：<SPAN lang=EN-US><o:p></o:p></SPAN></FONT></SPAN></P>
<P style="LINE-HEIGHT: 180%"><SPAN lang=EN-US style="FONT-SIZE: 9pt"><FONT face=宋体>1、基本保障型：车辆损失险+三者责任险+不计免赔率险+乘座险+盗抢险。其保障范围为一般事故及被盗抢风险。此组合降低无固定停车场所车主的风险。<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 180%"><SPAN lang=EN-US style="FONT-SIZE: 9pt"><FONT face=宋体>2、安心驾驭型：车辆损失险+三者责任险+不计免赔率险+乘座险+盗抢险+划痕险+玻璃单独破碎险。其保障范围为重大交通事故，可最大化降低车主出险后所承担的经济损失且附加险种保费经济。<o:p></o:p></FONT></SPAN></P><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">3</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、理赔无忧型：车辆损失险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">三者责任险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">不计免赔率险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">乘座险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">盗抢险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">划痕险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">无过失责任险</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">+</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">自燃险。其保障范围为所有保险责任事故，是最佳组合险种，全面覆盖保险责任范围及最大限度降低损失</SPAN> :victory: :victory:
买保险有优惠
8折,66567017再说几点
<P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体>保险车辆发生保险责任范围内的事故后，应当向保险公司索赔，索赔得按一定程序并向保险公司提供规定的凭据。一些车主或被保险人由于不知道索赔的程序，不知道该备齐哪些材料，常常往返保险公司多次，那么，如何才能尽快成功获得保险公司的赔偿呢？<SPAN lang=EN-US> <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></FONT></SPAN></P><P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体> 作为被保险人向保险公司索赔，应首先弄清保险索赔的条件。事故车辆必须同时具备以下四个条件：属于投保车辆的损失；属于保险责任范围内的损失；不属于除外责任；属于必要的合理费用。<SPAN lang=EN-US><o:p></o:p></SPAN></FONT></SPAN></P>
<P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体> 保险事故发生后，除向公安交警部门报案外，还应按《机动车辆保险条款》规定在<SPAN lang=EN-US>48小时内向保险公司报案，如派人报案，则应如实陈述事故发生经过，并提供保险单和保险费收据，按要求填写“出险通知书”；如来不及派人报案，可先电话报案，待事故处理后，再向保险公司补述事发经过，并填写“出险通知书”。<o:p></o:p></SPAN></FONT></SPAN></P>
<P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体> 按照保险条款规定，保险车辆因发生保险责任范围内的事故而受损时，或致第三者财产损坏，应当坚持<SPAN lang=EN-US>“修复为主原则”，但在修复前须经保险公司定损检验，确定修理项目、方式、费用。送修理厂修复后，保存好修理发票，连带必要的材料向保险公司索赔。第三者责任事故赔偿后，保险公司将不再承担对受害第三者的任何附加的赔偿费用。<o:p></o:p></SPAN></FONT></SPAN></P>
<P style="LINE-HEIGHT: 180%"><SPAN style="FONT-SIZE: 9pt"><FONT face=宋体> 保险车辆、第三者的财产遭受损失后的残余部分，应由保险人与被保险人协商一致，并作价归还被保险人，同时在赔款中扣减。保险车辆按全部损失赔偿或部分损失一次赔款等于保险金额全数时，车辆损失险的保险责任即行终止。但保险车辆在保险期间内，不论发生一次或多次保险责任范围内的损失或费用支出，只要每次赔偿未达到保险金额，其保险责任依然有效。<SPAN lang=EN-US><o:p></o:p></SPAN></FONT></SPAN></P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times New Roman'; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 被保险人自保险车辆修复或事故处理结案之日起，</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">3</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times New Roman'; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">个月内不向保险公司提出索赔申请，或自保险公司通知被保险人领取保险赔款之日起</SPAN><SPAN lang=EN-US style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA">1</SPAN><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: 宋体; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times New Roman'; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年内不领取应得的赔款，即视为自动放弃权益。另外，要切记及时报案，不能私下了结，保险公司将不承认私下了结行为。</SPAN>
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