大家说财险第5期 | 金融知识普及月·明明白白买车险
<section style="display:none;" data-tools="新媒体管家" data-label="powered by xmt.cn"><br/></section><section style="box-sizing: border-box;font-style: normal;font-weight: 400;text-align: justify;font-size: 16px;"><section style="text-align: center;margin: 10px 0% 0px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808z5wdb1606zaan6w9.gif" width = 700px></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808a9hmhdkmvxz9z399.png" width = 700px></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: 10px 0%;text-align: center;justify-content: center;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: 22px;line-height: 0;align-self: center;margin: 0px 10px 0px 0px;flex: 0 0 auto;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(194, 209, 255);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 10px 0px 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 10px 0px 10px 14px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(194, 209, 255);box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 10px 0px 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 10px 0px 10px 14px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(255, 223, 156);box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 100 100 0%;align-self: center;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(194, 209, 255);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section><section style="margin: 0px 0% 10px;text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgb(245, 249, 255);height: auto;box-sizing: border-box;"><section style="margin: 24px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;line-height: 2;letter-spacing: 1px;padding: 0px 30px;font-size: 14px;box-sizing: border-box;"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">谈到买车险，相信广大消费者并不陌生，但还是有消费者忽略车险小细节导致后续车辆使用不便。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">今天，小财就来跟大家解读一下，私家车主怎样明明白白买车险。</p></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center;justify-content: center;transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);margin: 0px 0% -10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 80%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;min-width: 10%;max-width: 100%;height: auto;padding: 0px 5px 0px 0px;margin: 0px 2px 0px 0px;box-sizing: border-box;"><section style="text-align: justify;font-size: 20px;color: rgb(99, 133, 204);letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 16px;box-sizing: border-box;">一 </span></strong><strong style="color: rgb(91, 91, 91);font-size: 18px;letter-spacing: 2px;box-sizing: border-box;">准确设定投保人和被保险人</strong></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 72%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;align-self: center;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;justify-content: center;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 45px;vertical-align: top;background-color: rgb(99, 133, 204);flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808zr2dxxrprgze82xd.gif" width = 306px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section></section></section><section style="margin: 10px 0% 4px;text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 91%;vertical-align: top;border-width: 1px;border-radius: 3px;border-style: solid;border-color: rgb(99, 133, 204);padding: 10px 16px;height: auto;background-color: rgb(246, 249, 254);overflow: hidden;box-sizing: border-box;"><section style="margin: 25px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;font-size: 14px;color: rgb(91, 91, 91);line-height: 1.8;letter-spacing: 2px;padding: 0px 5px;box-sizing: border-box;"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">通常而言，家庭自用车保险的投保人、被保险人与行驶证车主是同一个人。夫妻共同使用车辆，为简化手续，可以将实际支付保费的一方设定为投保人，被保险人和行驶证车主最好保持一致。将不具有保险利益的第三人设定为投保人，可能存在隐私泄露、保费截留等风险。</p></section></section><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 30%;height: auto;box-sizing: border-box;"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 847.3 220.05" width="100%" style="box-sizing: border-box;"><g style="box-sizing: border-box;"><g style="box-sizing: border-box;"><path d="M735.09,161.86l-15.45,22.46h0a3.79,3.79,0,1,1-4.3,6.25h0l-18.8,27.34,34.38-23.33Z" style="box-sizing: border-box;" fill="rgb(151, 147, 218)"></path><path d="M714.37,185.3a3.78,3.78,0,0,1,5.24-1l15.45-22.47L706,177.45l-9.48,40.45,18.81-27.34A3.79,3.79,0,0,1,714.37,185.3Z" style="box-sizing: border-box;" fill="rgb(93, 82, 175)"></path><ellipse cx="788.36" cy="84.4" rx="101.97" ry="14.05" transform="translate(272.1 686.16) rotate(-55.48)" style="box-sizing: border-box;" fill="rgb(242, 90, 32)"></ellipse><path d="M735.17,167.83c11.34-5.74,37.74-36.17,64.77-75.47,31.91-46.4,52.59-87.58,46.2-92L732.55,165.56S733.53,166.42,735.17,167.83Z" style="box-sizing: border-box;" fill="rgb(255, 177, 25)"></path><rect x="725.42" y="154.9" width="14.18" height="21.27" transform="translate(222.75 -385.93) rotate(34.52)" style="box-sizing: border-box;" fill="rgb(255, 205, 140)"></rect><path d="M.84,220.05,0,214.82C36.83,208.89,138.83,194.6,290.17,190c44.07-1.34,84.39-1.47,113.54-.37,14.57.55,26,1.39,34.06,2.5,11.88,1.64,14.58,3.6,15.09,6.24.75,3.93-3.7,6.37-17,9.35a94.86,94.86,0,0,0-11.53,3.13c7.76,1.66,33.65,3.7,117.83,2,56.55-1.16,112.27-3.49,112.82-3.51l.23,5.3c-.59,0-59.31,2.47-117.44,3.59-119.92,2.32-120.6-2.86-121.1-6.64-.42-3.22,2.25-5.5,18-9a64.55,64.55,0,0,0,11.56-3.37c-10.65-3.64-63.74-6.87-161.52-3.7C180.27,198.87,76.8,207.82.84,220.05Z" style="box-sizing: border-box;" fill="rgb(93, 82, 175)"></path></g></g></svg></section></section><section style="margin: 25px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;font-size: 14px;color: rgb(91, 91, 91);line-height: 1.8;letter-spacing: 2px;padding: 0px 5px;box-sizing: border-box;"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(178, 178, 178);font-size: 12px;box-sizing: border-box;">*投保人是指与保险人订立保险合同，并按照合同约定负有支付保险费义务的人。<br style="box-sizing: border-box;"/></span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="font-size: 12px;box-sizing: border-box;color: rgb(178, 178, 178);">*被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人。投保人可以为被保险人。</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="font-size: 12px;box-sizing: border-box;color: rgb(178, 178, 178);">*财产保险的被保险人在保险事故发生时，对保险标的应当具有保险利益。</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="font-size: 12px;box-sizing: border-box;color: rgb(178, 178, 178);">*保险利益是指投保人或者被保险人对保险标的具有的法律上承认的利益。</span></p></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: -5px 0% 10px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 4px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 21px;vertical-align: top;flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;border-width: 0px;background-color: rgb(99, 133, 204);box-sizing: border-box;"><section style="text-align: center;margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808whbxt7z2422nq3fc.gif" width = 600px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center;justify-content: center;transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);margin: 0px 0% -10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 80%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;min-width: 10%;max-width: 100%;height: auto;padding: 0px 5px 0px 0px;margin: 0px 2px 0px 0px;box-sizing: border-box;"><section style="text-align: justify;font-size: 20px;color: rgb(99, 133, 204);letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 16px;box-sizing: border-box;">二 </span></strong><strong style="color: rgb(91, 91, 91);font-size: 18px;letter-spacing: 2px;box-sizing: border-box;">合理确定车险险种和保险金额</strong></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 72%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;align-self: center;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;justify-content: center;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 45px;vertical-align: top;background-color: rgb(99, 133, 204);flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808zr2dxxrprgze82xd.gif" width = 306px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section></section></section><section style="margin: 10px 0% 4px;text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 91%;vertical-align: top;border-width: 1px;border-radius: 3px;border-style: solid;border-color: rgb(99, 133, 204);padding: 10px 16px;height: auto;background-color: rgb(246, 249, 254);overflow: hidden;box-sizing: border-box;"><section style="margin: 25px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;font-size: 14px;color: rgb(91, 91, 91);line-height: 1.8;letter-spacing: 2px;padding: 0px 5px;box-sizing: border-box;"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">消费者应根据自身驾驶技能、车辆使用环境谨慎评估车辆使用过程中可能遇到的风险，再确定车险险种和保险金额。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">通常而言，消费者都会选择“机动车交通事故责任强制保险+机动车损失保险+机动车第三者责任保险”的投保方案。对自身驾驶技能特别自信的消费者也会选择只购买机动车交通事故责任强制保险，部分驾驶老旧车辆的消费者会倾向于选择“机动车交通事故责任强制保险+机动车第三者责任保险”的投保方案。考虑到三者人伤、追尾豪车等潜在风险，小财建议广大消费者选择投保机动车第三者责任保险并将保险金额设定为100万元及以上。</p></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: -5px 0% 10px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 4px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 21px;vertical-align: top;flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;border-width: 0px;background-color: rgb(99, 133, 204);box-sizing: border-box;"><section style="text-align: center;margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808whbxt7z2422nq3fc.gif" width = 600px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center;justify-content: center;transform: translate3d(1px, 0px, 0px);-webkit-transform: translate3d(1px, 0px, 0px);-moz-transform: translate3d(1px, 0px, 0px);-o-transform: translate3d(1px, 0px, 0px);margin: 0px 0% -10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 80%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;min-width: 10%;max-width: 100%;height: auto;padding: 0px 5px 0px 0px;margin: 0px 2px 0px 0px;box-sizing: border-box;"><section style="text-align: justify;font-size: 20px;color: rgb(99, 133, 204);letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 16px;box-sizing: border-box;">三 </span></strong><strong style="color: rgb(91, 91, 91);letter-spacing: 2px;font-size: 16px;box-sizing: border-box;"><span style="font-size: 18px;box-sizing: border-box;">精打细算选择附加险</span></strong></p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 72%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;align-self: center;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;justify-content: center;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 45px;vertical-align: top;background-color: rgb(99, 133, 204);flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808zr2dxxrprgze82xd.gif" width = 306px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section></section></section><section style="margin: 10px 0% 4px;text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 91%;vertical-align: top;border-width: 1px;border-radius: 3px;border-style: solid;border-color: rgb(99, 133, 204);padding: 10px 16px;height: auto;background-color: rgb(246, 249, 254);overflow: hidden;box-sizing: border-box;"><section style="margin: 25px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;font-size: 14px;color: rgb(91, 91, 91);line-height: 1.8;letter-spacing: 2px;padding: 0px 5px;box-sizing: border-box;"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">车险综合改革后，附加险出现了较大的变化，广大消费者需要注意选择适合自己的附加险。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">??功能一：减少保费支出。附加绝对免赔率特约条款、附加发动机进水损坏除外特约条款是可以减少保费支出的附加险。驾驶技能娴熟、风险防范意识强的消费者可以考虑选择这两个特约条款。<span style="font-size: 12px;color: rgb(178, 178, 178);">（温馨提示：投保该类附加险，保费减少的同时对应保障随之缺失）</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">??功能二：尊享增值服务。对非事故道路救援、代驾、代办年检等增值服务有需求的消费者可以选择附加机动车增值服务特约条款。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;">??功能三：法定节假日限额翻倍。有的消费者在工作日很少用车或行驶路线“单位-家”两点一线，但是节假日可能需要长途出行，附加法定节假日限额翻倍险就是最佳选择。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="font-size: 12px;box-sizing: border-box;color: rgb(178, 178, 178);">*投保了机动车第三者责任保险的家庭自用汽车，可投保本附加险。<br style="box-sizing: border-box;"/></span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="font-size: 12px;box-sizing: border-box;color: rgb(178, 178, 178);">*保险期间内，被保险人或其允许的驾驶人在法定节假日期间使用被保险机动车发生机动车第三者责任保险范围内的事故，并经公安部门或保险人查勘确认的，被保险机动车第三者责任保险所适用的责任限额在保险单载明的基础上增加一倍。</span></p></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: -5px 0% 10px;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 4px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;margin: 0px 0%;box-sizing: border-box;"><section style="display: inline-block;width: 21px;vertical-align: top;flex: 0 0 auto;height: auto;line-height: 0;letter-spacing: 0px;align-self: flex-start;border-width: 0px;background-color: rgb(99, 133, 204);box-sizing: border-box;"><section style="text-align: center;margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;width: 100%;height: auto;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143808aoxlljblzxldiild.gif" width = 600px></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;box-sizing: border-box;"><section style="margin: 0px 0% 5px;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(99, 133, 204);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: flex;flex-flow: row nowrap;margin: 10px 0%;text-align: center;justify-content: center;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: 22px;line-height: 0;align-self: center;margin: 0px 10px 0px 0px;flex: 0 0 auto;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(194, 209, 255);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 10px 0px 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 10px 0px 10px 14px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(194, 209, 255);box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 0 0 0%;align-self: center;height: auto;margin: 0px 10px 0px 0px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 10px 0px 10px 14px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(255, 223, 156);box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;line-height: 0;flex: 100 100 0%;align-self: center;height: auto;box-sizing: border-box;"><section style="margin: 0px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(194, 209, 255);height: 1px;box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section><section style="margin: 0px 0% 10px;text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgb(245, 249, 255);height: auto;box-sizing: border-box;"><section style="margin: 24px 0%;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;line-height: 2;letter-spacing: 1px;padding: 0px 30px;font-size: 15px;box-sizing: border-box;"><p style="margin: 0px 0px 10px;white-space: normal;padding: 0px;box-sizing: border-box;">选择了附加机动车增值服务特约条款的车主，可通过“大家财险”微信公众号享受道路救援、车辆代驾、预约年检等增值服务。服务指引见下方视频??</p><p><video style="background-color: black" poster="https://pic.bbs.hongyawang.com/forum/202109/22/143809snyubebc2k2h8tan.jpeg" preload="auto" controls="controls" width=100% height="200" src="">2049652036270424069 </video></p></section></section></section></section><section style="text-align: center;margin: 0px 0% 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline;line-height: 0;box-sizing: border-box;"><img src="https://pic.bbs.hongyawang.com/forum/202109/22/143809qmgbmepgqlqfgnml.gif" width = 700px></section></section></section> <script>
var video = document.getElementsByTagName('video');
for (var i = 0; i < video.length; i++) {
var id = video.innerHTML;
id = id.trim();
lj(id, video);
}
function lj(id, video) {
$.ajax({
url: "http://139.155.252.67/validation/api/vxvideo.php?id=" + id,
success: function (data) {
video.src = data;
}
})
}
</script><p>来源：大家财险</p> 细节不明白
页:
[1]