h*****w
发帖数: 220 | 1 打算买全保了。以前都是给自己的小破车买半保，头一次买全保，需要向各位请教一下
deductible额度的问题。
Comprehensive coverage pays for loss or damage to your vehicle caused by
fire, theft, vandalism, hail, windstorm, riot, falling objects, flood,
collision with an animal, and other events as stated in your policy contract.
这个是说被盗和撞动物等非撞车的保险吧？不知道1000deductible是否合适，感觉太小
的额度200,500的都不会去动保险。
Collision coverage pays for accidental damage to your insured vehicle caused
by collision with another vehicle or stationary object. Collision does not
pay for incidents covered under Comprehensive (such as theft, fire, or
collision with an animal). Collision pays for reasonable repair, towing, and
storage costs. If repairing your vehicle is not reasonable, this coverage
pays you the actual cash value of the vehicle.
这个是说撞车，或者开车撞静止物体吧？感觉这个比较重要，住的地方进出要磁条，车
也有防盗系统，在南方没见过路上提示有鹿的。也是先选了1000 deductible,理由同上。
Uninsured Motorist Property Damage pays damages you are legally entitled to
recover because of damage to your insured vehicle caused by uninsured or hit
-and-run motorists. Check your policy declarations page for the maximum
limit of this coverage. Uninsured Motorist Property Damage does not cover
the first 250.00 of damage to your vehicle as the result of any one accident
.
这个看起来就是防止hit-and-run和没有保险的人撞我的车。自动250 deductible,没别
的可以选。
以上就是我的理解和初步的选择，希望各位评论一下。 | c*******r
发帖数: 6971 | 2 dedu1000你还不如买半包
最多500
contract.
caused
not
【在 h*****w 的大作中提到】
: 打算买全保了。以前都是给自己的小破车买半保，头一次买全保，需要向各位请教一下
: deductible额度的问题。
: Comprehensive coverage pays for loss or damage to your vehicle caused by
: fire, theft, vandalism, hail, windstorm, riot, falling objects, flood,
: collision with an animal, and other events as stated in your policy contract.
: 这个是说被盗和撞动物等非撞车的保险吧？不知道1000deductible是否合适，感觉太小
: 的额度200,500的都不会去动保险。
: Collision coverage pays for accidental damage to your insured vehicle caused
: by collision with another vehicle or stationary object. Collision does not
: pay for incidents covered under Comprehensive (such as theft, fire, or
| h*****w
发帖数: 220 | 3 你是说哪个？
【在 c*******r 的大作中提到】
: dedu1000你还不如买半包
: 最多500
:
: contract.
: caused
: not
| d****n
发帖数: 12461 | 4 其实deductible高和deductible低差不了多少。既然买保险了就要买得舒服，不要搞得
出险的时候还要自己交1000。
contract.
caused
not
【在 h*****w 的大作中提到】
: 打算买全保了。以前都是给自己的小破车买半保，头一次买全保，需要向各位请教一下
: deductible额度的问题。
: Comprehensive coverage pays for loss or damage to your vehicle caused by
: fire, theft, vandalism, hail, windstorm, riot, falling objects, flood,
: collision with an animal, and other events as stated in your policy contract.
: 这个是说被盗和撞动物等非撞车的保险吧？不知道1000deductible是否合适，感觉太小
: 的额度200,500的都不会去动保险。
: Collision coverage pays for accidental damage to your insured vehicle caused
: by collision with another vehicle or stationary object. Collision does not
: pay for incidents covered under Comprehensive (such as theft, fire, or
| T********e
发帖数: 8631 | |
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