一、汽che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车保险的种类有哪些?
为不定值保险，分为基本险和附加险，其中附加险不能独立保险。基本险包括第三者责任险和che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆损失险(che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车损险);附加险包括全che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车盗抢险(盗抢险)、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上责任险、无过失责任险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车载货物掉落责任险、玻璃单独破碎险、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆停驶损失险、自燃损失险、新增设备损失险、不计免赔特约险。我们通常所说的交强险(即机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车交通事故责任强制保险)也属于广义的第三者责任险，交强险是强制性险种，机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车必须购买才能够上路行驶、年检、上户，且在发生第三者损失需要理赔时，必须先赔付交强险再赔付其它险种。
1、交强险
交强险[全称机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车交通事故责任强制保险]是我国首个由国家法律规定实行的强制保险制度。
《机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车交通事故责任强制保险条例》[以下简称《条例》]规定：交强险是由保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司对被保险机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车发生道路交通事故造成受害人[不包括本che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车人员和被保险人]的人身伤亡、财产损失，在责任限额内予以peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿的强制性责任保险。
2、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆损失险
che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆损失险是指保险che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆遭受保险责任范围内的自然灾害(不包括地震)或意外事故，造成保险che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆本身损失，保险人依据保险hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同的规定给予peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿。这与第三者刚相反是顾自己的，如果您爱惜自己的che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车就要买。
3、第三者责任险
负责保险che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆在使用中发生意外事故造成他人(即第三者)的人身伤亡或财产的直接损毁的peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿责任。撞che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车或撞人是开che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车时最害怕的，自己爱che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车受损失不算，还要花大笔的钱来peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿他人的损失。因为交强险(2008版)在对第三者的医疗费用和财产损失上peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿较低，在购买了交强险仍可考虑购买第三者责任险作为补充。
4、全che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车盗抢险
盗抢险,全称机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆全che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车盗抢险。机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆全che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车盗抢险的保险责任为全che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车被盗窃、被抢劫、被抢夺造成的che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆损失以及在被盗窃、被抢劫、被抢夺期间受到损坏或che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上零部件、附属设备丢失需要修复的合理费用。
5、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上责任险
负责保险che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆发生意外事故造成che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员的人身伤亡和che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上所载货物的直接损毁的peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿责任。其中che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车上人员的人身伤亡的peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿责任就是过去的司机乘客意外伤害保险。
6、无过失责任险
投保che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆在使用过程中，因与非机动che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆、行人发生交通事故，造成对方人员伤亡和直接财产损毁，保险che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆一方不承担peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿责任。如被保险人拒绝peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿未果，对被保险人已经支付给对方而无法追回的费用，保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司按《道路交通事故处理办法》和出险当地的道路交通事故处理规定标准在保险单所载明的本保险peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿限额内计算peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿。每次peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">peichang/" target="_blank">赔偿均实行20%的绝对免赔率。
二、理赔注意事项
第一，及时报案。发生交通事故后，che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车主应保护好现场，并在48小时内向保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司报案，如实陈述事故发生经过，提供保险单，等待保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司查勘人员到现场查勘，同时填写好《索赔申请书》。
第二，了解拒赔范围和免责范围。
第三，损失过小索赔不划算。因为在che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车险续保时，保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司有一个保费优惠条款，即che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆一年未出险，第二年续保时即可享受10%左右的保费优惠;如果连续几年没有出险记录，那么保费优惠最高能达到30%左右。
第四，道路事故,先110,让交警开好证明就去修理场,报案.定损全套修理厂都能做到,
第五，非道路事故(小区):自己写个证明,然后找所属派出所盖章就可以了。
第六，单che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车事故: 110先交警开单~然后找修理厂。保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司有的要看现场有的不要,不要的直接开去修理场,要的再报案等保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司来看che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车。
购买che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆的人数也是日益增多，那么公民为了在发生意外时减少自身的损失，也是会在购che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车后为che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆购买che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆保险，其中交强险是国家强制公民购买的保险，那么驾驶员也是可以根据实际情况再购买其他的商业险，当发生意外后也是需要投保人及时的向保险gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司提交理赔申请。