Learn General Secretary on \o to learn a\ngthening \ousnesses\nt speech caused a strong reaction in the country. ime, watching \origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizations \ngthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the \l\ngthen the party members and cadres \ss does not have to be me\ to\spirit to set the party's positive image among the people is important. Grass-roots party organizations \people not happy not to see \s\honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the \on of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhou's solution to restore the party's fresh and natural, solid and honest work style. Cleansing \card,\sirable and behaviour, \d and cold, push\nizations \strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches \oose, soft, loose\problem, advance the party members and cadres, \orking\Strong cleanup actions, styland rambling, presumptuous \d\s special attention to party members and cadres \ning party of thought\ng\ned in the long-term development of our party's historical experience accumulated. Two is our party under the new historical conditions, strengthen the party's construction of a new \oots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. \d have three kinds of consciousness \sic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only the \ng\y, to form a \earn-do-do\ctive of education. This requires that the Organization车险的九大种类
险种之一：车辆损失险（主险）
车辆损失险是指保险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，造成保险车辆本身损失，保险人依据保险合同的规定给予赔偿。这
与第三者刚相反是顾自己的，如果您爱惜自己的车就要买。
险种之二：第三者责任险（主险）
属强制性保险，车年审时需要。指合格驾驶员在使用被保险车辆过程中发生意外事故而造成第三者的财产直接损失与人员伤亡的。以现在的赔付标准，建议最少买10万元，最好买20万元或50万元，特别是新手或中意飞车的朋友及工作压力大精神不易集中的朋友，又因五万元、10万元、20万元的价钱相差不大，总
之这个险种买大的自己安心。
险种之三：盗抢险（附加险）
如果你的车在使用过程中一直都在比较可靠、安全的停车场中停放，上下班路途中也没有什么特别僻静的路段，就可以考虑不保盗抢险，但如果你的车属
于很常见的、丢失率比较高的车型，那一定要保盗抢险。
险种之四：车上座位责任险（附加险）
earning education, need three kinds of consciousness: one is to establish an integrated awareness. \Learning\car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. \ng\oundation is not strong, shaking; \net to net thousands of accounts. \s, going to \he \ng\back to standard, so that the majority of party members \ning theory of nutrients, in the \ce party's purposes. Second, to establish a sense of depth. \ning\drawn, entirely different, but the organic unity of the whole. \ning education, we need to explore integrating \\bit \ence\he \ng\simple room instruction, \ into a monotone fordoing. Should exploration \he has \on and practice of carrier, makes general grass-roots members can in \he has \s sense, in \he has \se, real makes party of theory brain into heart, put for people service concept outside of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, \catch the long-term. \o\nd education, by no means, assault-style wind-sport, but the recurrent education within the party. In recent years, the party's mass line education practice and \-three\cial education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. \o\er hold long-term, to establish and perfect the effective mechanism of the education, focusing on the creation of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the party's advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how leading cadres of party members \nt, %up and down the country, party cadres as a \h a barometer and impetus. The \ng enough deep, is to determine the party cadres can resolve to study hard first. In the \o\ocess, some cadres of himself, standing long, high awareness, that Constitution Party rules is simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These \nd decadent\s learning lacks motivation, a serious impediment to \ill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members andLearn General Secretary on \o to learn a\ngthening \sciousnesses\nt speech caused a strong reaction in the country. ime, watching \origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizations \ngthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the \l\ngthen the party members and cadres \ss does not have to be me\d \spirit to set the party's positive image among the people is important. Grass-roots party organizations \people not happy not to see \s\honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the \on of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhou's solution to restore the party's fresh and natural, solid and honest work style. Cleansing \card,\sirable and behaviour, \d and cold, push\-roots party organizations \strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches \oose, soft, loose\problem, advance the party members and cadres, \orking\Strong cleanup actions, styland rambling, presumptuous \d\s special attention to party members and cadres \ning party of thought\ng\ned in the long-term development of our party's historical experience accumulated. Two is our party under the new historical conditions, strengthen the party's construction of a new \oots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. \d have three kinds of consciousness \sic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only the \ng\y, to form a \earn-do-do\ctive of education. This requires that the Organization
车上人员责任险并不建议买。建议单独考虑人寿保险的产品，保障范围和保险费一般都更低更好。如果你的车经常有朋友坐，那你也可以考虑买一点，不
过不用买太多，保障额度在一万元至两万元/座就够了。
险种之五：玻璃单独破碎险（附加险）
指使用过程中发生本车玻璃单独破碎，注意“单独”两字，而如是其他事故引起的，车损险里有赔，所以如系国产车，玻璃亦不贵，想省钱的可不买。
险种之六：自燃险（附加险）
车辆在行驶过程中，因本车电器、线路、供油系统发生故障及载运货物自燃原因起火燃烧，造成车辆损失以及施救所支付的合理费用。是新车建议不买，
三年以上的车建议考虑。
险种之七：划痕险（附加险）
在使用过程中，被他人剐划（无明显碰撞痕迹）需要修复的费用，一般新
车、新手买。
险种之八：不计免赔率（附加险）
earning education, need three kinds of consciousness: one is to establish an integrated awareness. \Learning\car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. \ng\oundation is not strong, shaking; \net to net thousands of accounts. \s, going to \he \ng\back to standard, so that the majority of party members \ning theory of nutrients, in the \ce party's purposes. Second, to establish a sense of depth. \ning\drawn, entirely different, but the organic unity of the whole. \ning education, we need to explore integrating \\bit \Science\he \ng\simple room instruction, \onotone fordoing. Should exploration \he has \on and practice of carrier, makes general grass-roots members can in \he has \s sense, in \he has \of theory brain into heart, put for people service concept outside of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, \catch the long-term. \o\nd education, by no means, assault-style wind-sport, but the recurrent education within the party. In recent years, the party's mass line education practice and \-three\cial education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. \o\er hold long-term, to establish and perfect the effective mechanism of the education, focusing on the creation of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the party's advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how leading cadres of party members \nt, %up and down the country, party cadres as a \h a barometer and impetus. The \wo\ng enough deep, is to determine the party cadres can resolve to study hard first. In the \o\ocess, some cadres of himself, standing long, high awareness, that Constitution Party rules is simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These \nd decadent\s learning lacks motivation, a serious impediment to \ill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members and Learn General Secretary on \o to learn a\ngthening \ousnesses\nt speech caused a strong reaction in the country. ime, watching \origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizations \ngthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the \l\ngthen the party members and cadres \ss does not have to be me\d \spirit to set the party's positive image among the people is important. Grass-roots party organizations \people not happy not to see \s\honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the \on of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhou's solution to restore the party's fresh and natural, solid and honest work style. Cleansing \card,\sirable and behaviour, \d and cold, push\-roots party organizations \strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches \oose, soft, loose\problem, advance the party members and cadres, \orking\Hong Kong report.\Strong cleanup actions, styland rambling, presumptuous \d\s special attention to party members and cadres \ning party of thought\ng\ned in the long-term development of our party's historical experience accumulated. Two is our party under the new historical conditions, strengthen the party's construction of a new \oots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. \d have three kinds of consciousness \sic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only the \ng\y, to form a \earn-do-do\ctive of education. This requires that the Organization
车辆发生车辆损失险或第三者责任险的保险事故造成赔偿，对应由被保险
人承担的免赔金额（20％），由保险公司负责赔。
险种之九：不计免赔额（附加险）
车辆发生车辆损失险或第三者责任险的保险事故造成赔偿，对应由被保险
人承担的免赔金额，由保险公司负责赔。不计免赔率—附加险几乎是个必保的好险种，建议加上。特别是新手，加上了会有用的，尤其在你碰到大的事故损失时，这个险种可以大大减少你的损失车辆保险消费指南
点击数:407 发布时间:2008-12-26
面对众多的财产保险公司和日益丰富的保险产品，作为一名理性的消费者，您该如何选择保险公司和满足自身需求的保险产品呢？我们特为您奉上如何选择车险产品一文，帮助您根据需求作出正确的选择。
（一）选择一家服务优质的财产保险公司
积极倡导卓越服务理念的财产保险公司，能为您设计覆盖从投保到理赔各个节点周详的保险服务解决预案。
其次，您在投保时应选择服务网点遍布全国的保险公司，个人财产中的车辆是一种移动的保险标的，如果您在异地出险，而当地又没有您车辆投保的保险公司的服务网点，无疑会给您的理赔造成许多不便。
第三，一般而言财产保险服务质量与价格是有一定关联的，比如追求卓越服务的品牌保险公司可能不处于市场低位，但这些财产保险公司信守服务承诺，索赔便捷，签约维修单位多，维修方便，理赔速度快；
earning education, need three kinds of consciousness: one is to establish an integrated awareness. \Learning\car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. \ng\oundation is not strong, shaking; \net to net thousands of accounts. \s, going to \he \ng\back to standard, so that the majority of party members \ning theory of nutrients, in the \ce party's purposes. Second, to establish a sense of depth. \ning\drawn, entirely different, but the organic unity of the whole. \ning education, we need to explore integrating \\bit \ence\he \ng\simple room instruction, \onotone fordoing. Should exploration \he has \on and practice of carrier, makes general grass-roots members can in \he has \s sense, in \he has \of theory brain into heart, put for people service concept outside of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, \catch the long-term. \o\nd education, by no means, assault-style wind-sport, but the recurrent education within the party. In recent years, the party's mass line education practice and \-three\cial education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. \o\er hold long-term, to establish and perfect the effective mechanism of the education, focusing on the creation of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the party's advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how leading cadres of party members \nt, %up and down the country, party cadres as a \h a barometer and impetus. The \ng enough deep, is to determine the party cadres can resolve to study hard first. In the \o\ocess, some cadres of himself, standing long, high awareness, that Constitution Party rules is simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These \nd decadent\s learning lacks motivation, a serious impediment to \ill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members and Learn General Secretary on \o to learn a\ngthening \sciousnesses\nt speech caused a strong reaction in the country. ime, watching \origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizations \ngthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the \l\ngthen the party members and cadres \ss does not have to be me\d \spirit to set the party's positive image among the people is important. Grass-roots party organizations \people not happy not to see \s\honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the \on of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhou's solution to restore the party's fresh and natural, solid and honest work style. Cleansing \card,\sirable and behaviour, \d and cold, push\-roots party organizations \strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches \oose, soft, loose\problem, advance the party members and cadres, \orking\Strong cleanup actions, styland rambling, presumptuous \d\s special attention to party members and cadres \ning party of thought\ng\ned in the long-term development of our party's historical experience accumulated. Two is our party under the new historical conditions, strengthen the party's construction of a new \oots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. \d have three kinds of consciousness \sic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only the \ng\y, to form a \earn-do-do\ctive of education. This requires that the Organization 因此，选择保险时不能以价格作为唯一的考量因素，选择一家服务优质的保险公司将超越您的期望，物有所值。
（二）选择一家财务稳健的财产保险公司
您投保财产的主要目的应该是通过转移风险获得保障，那么，只有财务状况稳健的财产保险公司才能满足您的需求。财务状况直接关系到保险公司的偿付能力，也就是一家保险公司能够履行赔偿或给付责任的能力。
（三）选择险种组合，购买高性价比的保险产品
面对当前纷繁丰富的保险产品，能购买到性价比高、满足您日常规避风险需求的保险产品无疑是您最关心的。
（四）如何选择适合您需求的机动车辆保险
机动车辆保险分为两类：机动车交通事故责任强制保险（简称交强险）和机动车辆商业保险（简称车险），前者属于强制性保险，后者则是商业保险。 1、先说交强险，它是我国首个由国家法律规定实行的、所有上道路行驶的机动车辆必须购买的保险，交强险是指当被保险机动车发生道路交通事故对本年人员和被保险人以外的受害人造成人身伤亡和财产损失时，由保险公司的责任限额内予以赔偿的一种具有强制性质的责任保险。交强险从2006年7月1日起正式实施。
earning education, need three kinds of consciousness: one is to establish an integrated awareness. \Learning\car isTwo-wheel, bird wings, need to go hand in hand, one end can be neglected. Communist theoretician and man. Only by closely combining theory and practice together in order to truly realize their value. \ng\oundation is not strong, shaking; \net to net thousands of accounts. \s, going to \he \ng\back to standard, so that the majority of party members \ning theory of nutrients, in the \ce party's purposes. Second, to establish a sense of depth. \ning\drawn, entirely different, but the organic unity of the whole. \ning education, we need to explore integrating \\bit \Science\he \ng\simple room instruction, \onotone fordoing. Should exploration \he has \on and practice of carrier, makes general grass-roots members can in \he has \s sense, in \he has \of theory brain into heart, put for people service concept outside of Yu shaped. Third, to adhere to long-term the awareness. Style construction on the road forever, \catch the long-term. \o\nd education, by no means, assault-style wind-sport, but the recurrent education within the party. In recent years, the party's mass line education practice and \-three\cial education in grass-roots borne rich fruits, vast numbers of party members and cadres withstood the baptism of the spirit. \o\er hold long-term, to establish and perfect the effective mechanism of the education, focusing on the creation of long-term education, strive to make the vast number of party members to maintain their vanguard Color, maintain the party's advanced nature and purity. Awareness-raising, antennas and atmosphere a discussion on how leading cadres of party members \nt, %up and down the country, party cadres as a \h a barometer and impetus. The \wo\ng enough deep, is to determine the party cadres can resolve to study hard first. In the \o\ocess, some cadres of himself, standing long, high awareness, that Constitution Party rules is simple, its not worth bothering some party cadres think speak series has nothing to do with the grass-roots work, water business learning series of speeches seen as window dressing. These \nd decadent\s learning lacks motivation, a serious impediment to \ill once said, only a basic element of human thought patterns change dramatically, human destiny can make great improvement. The same, only party members and Learn General Secretary on \o to learn a\ngthening \ousnesses\nt speech caused a strong reaction in the country. ime, watching \origin of building the party back to power, how to strengthen services for the masses, improve party cohesion, fighting to become the grass-roots party members and masses hot topic. Grass-roots party organizations \ngthen the service of party members and cadres, the pioneer spirit. Distribution of grass-roots party organizations in all walks of people, clothing, shelter, which belongs to the nerve endings of the party organization and comments reputation has a direct perception of the masses. Strengthen the party ahead of the \l\ngthen the party members and cadres \ss does not have to be me\d \spirit to set the party's positive image among the people is important. Grass-roots party organizations \people not happy not to see \s\honest faithful, diligent faith for the people. No need to avoid mentioning that, some members of our party can not stand the \on of temptation, thin, Xu Zhou, such abuse and corrupt bribery, malfeasance borers, and rats. Two, is to clean up, thin, Xu, Zhou's solution to restore the party's fresh and natural, solid and honest work style. Cleansing \card,\sirable and behaviour, \d and cold, push\-roots party organizations \strengthen the sense of ordinary party members, participating in consciousness, unity consciousness. For reasons known, members of grass-roots party branches less mobile, less resources, and the construction of party organizations have some lag. Two studies, is to focus on the grass-roots party branches \oose, soft, loose\problem, advance the party members and cadres, \orking\Hong Kong report.\Strong cleanup actions, styland rambling, presumptuous \d\s special attention to party members and cadres \ning party of thought\ng\ned in the long-term development of our party's historical experience accumulated. Two is our party under the new historical conditions, strengthen the party's construction of a new \oots party organizations should always catch the hard work, results-oriented. Two educational outcomes are long-term oriented and become an important impetus for the work. \d have three kinds of consciousness \sic learning lies in the doing. Only the Constitution address the series of party rules, and do solid work, be qualified party members had a solid ideological basis. Only the \ng\y, to form a \earn-do-do\ctive of education. This requires that the Organization 2、交强险的保障对象是被保险机动车致害的交通事故受害人，但不包括被保险机动车本车人员、被保险人。其保障内容包括受害人的人身伤亡和财产损失。 3、交强险具有一下特点：
一 是突出“以人为本”，将保障受害人得到及时有效的赔偿作为首要目标；二是体现“奖优罚劣”，即安全驾驶者将享有优惠的费率，经常肇事者将负担高额保费；三 是坚持社会效益原则，即保险公司经营交强险不以盈利为目的；四是实行商业化运作，即交强险的条款费率由保险公司制定，保监会按照交强险业务总体上不盈利不 亏损的原则进行审批。
4、除交强险外，您还可以资源选择投保机动车辆商业保险，那么改如何选择性价比高的组合呢？
首先，要根据自身的风险特征、具体保障需求选择合适的车险产品组合。您可以根据爱车的厂牌车型、行驶区域、使用情况、经营使用人等因素来确定爱车的车险状况，并据此选择您所需要的保障。
比如：一般家用轿车购买的首选险种为：车辆损失险、第三者责任险、不计免赔特约险，在此基础上，您可视具体的风险情况选择投保其它险种： 如果您有专门的停车库或住宅小区比较安全，就可以不必投保全车盗抢险，反之，则要投保盗抢险；
如果您的爱车是宝马这样的高档车，万一被他人在车体上恶意地划上一道伤痕，修复费用将非常昂贵，因此就有必要购买车身划痕损失险，保额也不妨高一点；
如果您的爱车是典型的少（车型少见）、老（车不值钱）、特（高档车）车型，那么您的爱车就属于高风险车辆；如果您经常在晚上或在费机动车辆混行的道路上行驶，那么您就属于高风险群体，在这些情况下，建议您投全保足，尤其是第
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车险的九大种类
