萌妹子解决世界难题——车险是个什么鬼?
2015/6/11 管理晨读
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/UTsVnyKTT8iblqFsueE7w30HAeaWMF519KJO6jOx0M4CvHLvvlrP7oWv95WvdiaLOZ6Aj5ziasV5a3ia5NuHbwAEZw/0)
作者:小优
来源:优比车险
微信:uuubeee
本文致力于解决“车险究竟是个什么鬼”这一世界性难题。小优是个小白领,今年终于买了自己喜爱的小车,心里美美哒~!
可是一遇到要给汽车上车险,马上傻眼了,保险公司噼里啪啦介绍 一通
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibmMRaPOkpk8iaVTAmGx33Q0OA52y65MmE9l7wV5EViahaUcaib02Fg2eJw/0<br/><br/> http://img11.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibmMRaPOkpk8iaVTAmGx33Q0OA52y65MmE9l7wV5EViahaUcaib02Fg2eJw/0&tp=webp&wxfrom=5/)
然后,没有任何相关知识基础的小优
算是彻底崩溃了!
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTib5GS639iaa71icfFtGfp8p9zyzWVUjX01DCiaYQdP4ibDASLMtZ6vsUuOtA/0<br/><br/> http://img61.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTib5GS639iaa71icfFtGfp8p9zyzWVUjX01DCiaYQdP4ibDASLMtZ6vsUuOtA/0&tp=webp&wxfrom=5/)
不过小优从来都不是个随便的人,虽然她学历普通、能力普通、没有干爹、家境一般,但是她不服输,并且坚信努力就会获得成功!曾经只剩下400元,却成功的将它们变成了一个亿,有图为证!
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibzmsg3ibJX30iabQk1mNqgaRKCiaDyY9GPuBSEakyYU3xXfNJxWgrkg68g/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibzmsg3ibJX30iabQk1mNqgaRKCiaDyY9GPuBSEakyYU3xXfNJxWgrkg68g/640&tp=webp&wxfrom=5/)
如此励志的女纸,怎么能允许自己被人忽悠,花冤枉钱呢?
小优开始发奋研究车险!
甚至连做梦都梦到车险条款,直到奇迹真的在梦里发生了......
梦里,“车险大白”出现了
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibjziacmzVKKNic6wEhNO0WhAtcz2PTQrvXh7iaFicK9abEVsd6fTStN0ddg/0<br/><br/> http://img51.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibjziacmzVKKNic6wEhNO0WhAtcz2PTQrvXh7iaFicK9abEVsd6fTStN0ddg/0&tp=webp&wxfrom=5/)
我是车险大白,专门来解救你这种“车险小白”
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibPkdezro3DC6KWvia9tx5nRyPvDG6DO18BMhlb3reKgoMjzyJu5mMJWg/0<br/><br/> http://img61.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibPkdezro3DC6KWvia9tx5nRyPvDG6DO18BMhlb3reKgoMjzyJu5mMJWg/0&tp=webp&wxfrom=5/)
车险分类,看好了!
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibN4XDG09jgbMtZLyEmLP85iaEtX0N1O238J6PlUicgS8rozgfXlpbgAlA/0<br/><br/> http://img81.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibN4XDG09jgbMtZLyEmLP85iaEtX0N1O238J6PlUicgS8rozgfXlpbgAlA/0&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibIFRveeVzzctia1De3W5vLF0mEpicib0Wgb0T4bBxWqraXYEmaAmJxzibVA/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibIFRveeVzzctia1De3W5vLF0mEpicib0Wgb0T4bBxWqraXYEmaAmJxzibVA/640&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTib3PChFFO64gojnE9NF0SzANKZia0NKM8W2UjZ9d3YsPItXydXcxwqZJw/0<br/><br/> http://img51.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTib3PChFFO64gojnE9NF0SzANKZia0NKM8W2UjZ9d3YsPItXydXcxwqZJw/0&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTiberOaicJibOJP2n7fcSmkCiaQjo6iaqhicrUeZKHw8SbTYmmuqHp0GYCGQWA/0?wx_fmt=jpeg<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTiberOaicJibOJP2n7fcSmkCiaQjo6iaqhicrUeZKHw8SbTYmmuqHp0GYCGQWA/640?wx_fmt=jpeg&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibZlO2AlhHC3feajJpxhhTQYVhplb3hibFRkWiasDPQiaX4GkicJ3bhEZ9nA/0<br/><br/> http://img41.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibZlO2AlhHC3feajJpxhhTQYVhplb3hibFRkWiasDPQiaX4GkicJ3bhEZ9nA/0&tp=webp&wxfrom=5/)
说完了赔给别人的保险,我们再来说说那些赔给自己的
车损险
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibdvkCduqwuyheYnsba446F8EjrBEtT8Kyks4nKKvib20u5r7NMWUSIxg/0<br/><br/> http://img31.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibdvkCduqwuyheYnsba446F8EjrBEtT8Kyks4nKKvib20u5r7NMWUSIxg/0&tp=webp&wxfrom=5/)
赔付自然灾害或意外事故造成的车辆损失
车上人员险
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibXnXCBJbnWAbrLnXmsFRAbB1M5uaeBHJyPAnNWZ5wqq6r4vRU9oNqvw/0<br/><br/> http://img5.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibXnXCBJbnWAbrLnXmsFRAbB1M5uaeBHJyPAnNWZ5wqq6r4vRU9oNqvw/0&tp=webp&wxfrom=5/)
赔付司机和乘客的医疗和伤残死亡费用
盗抢险
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibicxxCOYFpDDuwCgkMePBt820ibTkb5JBJa0y7YgpFv2ax62LYfP04bDg/0<br/><br/> http://img1.vccoo.com:801/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibicxxCOYFpDDuwCgkMePBt820ibTkb5JBJa0y7YgpFv2ax62LYfP04bDg/0&tp=webp&wxfrom=5/)
赔付被盗窃、被抢劫、被抢夺造成的车辆损失
以上呢,就是我们通常所说的“全险”!
小优姑娘在梦里听的好嗨,眼看马上就都弄懂了,不知不觉的竟咧开嘴笑起来了!
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibwty9V0wia6X2S0GUficiaGd4OKPEQic9IUticavv7oeWUmicKr9qz2aruJcQ/0?wx_fmt=jpeg<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibwty9V0wia6X2S0GUficiaGd4OKPEQic9IUticavv7oeWUmicKr9qz2aruJcQ/640?wx_fmt=jpeg&tp=webp&wxfrom=5/)
你以为上完全险就万事大吉了?no!no!no!
不要高兴太早,还有很多情况是不在“全险”赔付范围内的,这个时候就需要用到“附加险”!
那有哪些常见的附加险呢
分别有什么作用?
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrIdz6G6JHwNN7Y3tRvwYyk1lwNe8bXHKwiaXxzxiaQSlRjKGXxXxsXgdBg6Gab23zhDpA9dfgODDwYA/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrIdz6G6JHwNN7Y3tRvwYyk1lwNe8bXHKwiaXxzxiaQSlRjKGXxXxsXgdBg6Gab23zhDpA9dfgODDwYA/640&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrIdz6G6JHwNN7Y3tRvwYyk18J73iaIiblBahFcBnU6YsyKrj44GBO8X55ibIqkqk5XxRhYtDUhn68Klg/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrIdz6G6JHwNN7Y3tRvwYyk18J73iaIiblBahFcBnU6YsyKrj44GBO8X55ibIqkqk5XxRhYtDUhn68Klg/640&tp=webp&wxfrom=5/)
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibMPRfG6jZoUIyISibWzKP1mjaKWwGJo2l71RhkpYDib9bbdVjEofZ2xiaQ/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibMPRfG6jZoUIyISibWzKP1mjaKWwGJo2l71RhkpYDib9bbdVjEofZ2xiaQ/640&tp=webp&wxfrom=5/)
请听题!
▽
什么是免赔?
有的人自以为买了保险就天不怕地不怕,反正出了事故有保险公司赔~!针对此种情况,保险中会坚持一个风险共担原则,也就是在事故发生后,你也要承担一定比例的损失金额,目的就是对你形成一种制约,来减少你的事故发生率。
什么是不计免赔?
这个“不计免赔”主要作用就是把你应当承担的那部分责任损失再次转给保险公司,买了不计免赔,保险公司正常情况下就全赔,你懂得~哈~
说完这些,车险大白意味深长的说了一句
▽
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibpFor0y6CiczrDTZSBEe7K66ulbo7lHIYubGkb06qI9yVLE5z378v6OQ/0<br/><br/> http://img1.vccoo.com:801/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibpFor0y6CiczrDTZSBEe7K66ulbo7lHIYubGkb06qI9yVLE5z378v6OQ/0&tp=webp&wxfrom=5/)
说完,车险大白消失了...
小优迷迷糊糊的从梦里醒来
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibibwkxlS0gZNSkJfibhkUfP5UrBzoUxC2LZJHxKEk12iaSiaJSY3QuIE7vA/0<br/><br/> http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibibwkxlS0gZNSkJfibhkUfP5UrBzoUxC2LZJHxKEk12iaSiaJSY3QuIE7vA/640&tp=webp&wxfrom=5/)
然后第二天,小优高高兴兴的去买车险了
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibibrk3aicP3UCktuxqCfYGNS8yCQWCjWAeFayTN6oxkxrBBVNqr33EFUw/0<br/><br/> http://img81.vccoo.com/refer.php?url=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrL478mRL6mI9ia6oIQ7yYvTibibrk3aicP3UCktuxqCfYGNS8yCQWCjWAeFayTN6oxkxrBBVNqr33EFUw/0&tp=webp&wxfrom=5/)
懂车险,我骄傲!
赞是一种鼓励 | 分享是传递快乐
精品公众号推荐:优比车险
最懂你的车险比价平台
为您提供一站式车险购买服务
微信号 uuubeee
![](/asp/image.asp?m=0&w=gh_422411c428fb&u=http%3a%2f%2fmmbiz.qpic.cn/mmbiz/D3u6hU9DZrJQK5EyTXiaqhdKws5j80u2DEMNV2PkBfkfEjxnAZsK1NZtUSfEqvjQmzcKnzicTNVDdicro0wicKLqcA/0?wx_fmt=jpeg)
http://www.duyihua.cn
返回 管理晨读 返回首页 返回百拇医药