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新手须知 车主必须了解的车险交强险

来源:东鹏驾校 | 发布时间:2014-01-02 | 浏览次数:296
[导读]交强险,车主必须知道的险种,因为它是国家强制要求每位车主必须购买的保险。是不是不购买这个险种就不能上路,它的作用是什么?下面我们就一一去解读交强险,了解这个“霸王”的保险险种。

       交强险,车主必须知道的险种,因为它是国家强制要求每位车主必须购买的保险。是不是不购买这个险种就不能上路,它的作用是什么?下面我们就一一去解读交强险,了解这个“霸王”的保险险种。

JIAOQIANGXIANDEQUANCHENGWEI“JIDONGCHEJIAOTONGSHIGUZERENQIANGZHIBAOXIAN”,TASHIWOGUOSHOUGEYOUGUOJIAFALVGUIDINGSHIXINGDEQIANGZHIBAOXIANZHI DU。YIJU《JIDONGCHEJIAOTONGSHIGUZERENQIANGZHIBAOXIANTIAOLI》GUIDING:JIAOQIANGXIANSHIYOUBAOXIANTIANBODIANJINGGUANWANGDUIBEIBAOXIANJIDONGCHEFASHENGDAOLUJIAOTONGSHIGUZAOCHENGSHOUHAIREN(BUBAOKUOBENCHERENYUANHEBEIBAOXIANREN)DERENSHENSHANG WANG、CAICHANSUNSHI,ZAIZERENXIANENEIYUYIPEICHANGDEQIANGZHIXINGZERENBAOXIAN。

       ● 不缴纳交强险的后果

       BUJIAONAJIAOQIANGXIAN,ANZHAOGUIDINGGONGANJIGUANJIAOTONGGUANLIBUMENYOUQUANKOULIUCHELIANG,BINGCHUYUYINGJIAONABAOXIANFEIDE2BEIFAKUAN。SHUODEHENMINGBAI,ZHEIGEJIAOQIANGXIANSHIQIANGZHIXINGDE,BIXUJIAONA。ZHEIGEJIUYAOTAOLUNWEISHENMEYAOQIANGZHIJIAONAZHEIGEBAOXIANFEIDEWENTI?ZHEIJIUYAOCONGJIAOQIANGXIANDEZUOYONGSHUOQI。

 SUIZHEGUONEIQICHEDEBUDUANZENGDUO,JIAOTONGSHIGUPINFANDANHENDUOZERENRENMEIYOUNENGLIQUBUCHANGSHOUHAIRENDESUNSHI,JISHOUHAIRENHEJIATINGZAOCHENGSHENGHUODEKUNNANWUFAMIBU。RUGUOYOUJIAOQIANGXIANDEJIERU,DANGZERENFANGWUNENGLIBUCHANGSHI,BAOXIANTIANBODIANJINGGUANWANGKEYIBANGSHOUHAIRENJIJIATINGJIANQINGYINJIAOTONGSHIGUZAOCHENGDEKUNNAN。

       ● 交强险标志

 JIAOQIANGXIANYOUGEBIAOZHI,SHANGMIANBIAOMINGSHINEIYINIANDEJIAOQIANGXIAN,RUSHANGTUDE2013NIANJIAOQIANGXIANBIAOZHI。CHEZHUZHIYAOTIEZAIQIANDANGBOLISHANGJIUXING,XIGUANDOUTIEZAIQIANDANGBOLIDEYOUSHANGJIAO。

  KESHI,XIAOBIANZAITIANBODIANJINGGUANWANGXIAMIANZHAOSUCAISHIFAXIAN5LIANGCHEYOU4LIANGDOUMEIYOUTIEJIAOQIANGXIANDEBIAOZHI,BUZHIDAOSHICHEZHUMEIYOUJIAONAJIAOQIANGXIANHAISHIMEIYOUTIE,RUGUOJIAOLEMEITIEYOUSHENMEHOUGUO?

 MEITIEZHEIGEBIAOZHIBEISHIWEIMEIYOUJIAONAJIAOQIANGXIAN,RUGUOBUNENGLIKEMASHANGNACHUXIANGGUANDEZHENGMING,NEICHELIANGJIUHUIJIAOJINGKOULIU。RUGUOYISHILE,SHOUXUJIUMAFANLE。FENGQUANGEWEICHEZHURUGUOJIAONALEJIAOQIANGXIAN,HAISHILAOLAOSHISHIDETIEZAIQIANDANGBOLISHANGBA,MIANQUBUBIYAODEMAFAN。

       ● 交强险费率、交强险多少钱

       JIAOQIANGXIANDEJICHUFEILVGONGFEN42ZHONG,JIATINGZIYONGCHE、FEIYINGYEKECHE、YINGYEKECHE、FEIYINGYEHUOCHE、YINGYEHUOCHE、TEZHONGCHE、MOTUOCHEHETUOLAJIDENGBADALEI42XIAOLEICHEXINGBAOXIANFEILVGEBUXIANGTONG,DUITONGYICHEXING,QUANGUOZHIXINGTONGYIJIAGE。XIAMIANJIUZHITIAOJIATINGZIYONGCHEZUOSHUOMING:

 JUZUIXINDESHOUFEIBIAOZHUN,XIANZAIJIATINGZIYONGCHE6ZUOYIXIADEXUJIAONA950YUAN/NIAN,ER6ZUOYISHANGDEDEJIAONA1100YUAN/NIAN。6ZUOYIXIADEJIATINGZIYONGCHEBIDIAOZHENGQIANJIANGLE100YUAN,SHAOWEIJIANQINGLECHEZHUDEFUDAN。

       ● 交强险的计算方式

       JIAOQIANGXIANDEFEIYONGSHIKEBIANDONGDE(DIYINIANCHUWAI),BUGUOZHEIYAOKANCHEZHUDEBIAOXIAN。TADEJISUANGONGSHIRUXIA:

       ZUIZHONGBAOFEI=JICHUBAOFEI×(1+YUDAOLUJIAOTONGSHIGUXIANGLIANXIDEFUDONGBILV)×(1+YUJIAOTONGANQUANWEIFAXINGWEIXIANGLIANXIDEFUDONGBILVA)

GENJUGUIGE,XIAFUBILVZUIDIZHINENGXIAJIANG30%,JIUSHISHUOCHEZHULIANXU3NIANANQUANXINGCHEMEIYOUCHUGUOXIAN,NEITADEFUDONGBILVJIUKEYIXIAJIANG30%;ERSHANGFUBILVZUIDUOYESHANGFU30%。TONGGUOZHEIXIEJIANGFACUOSHI,DUIYUJIANSHAOJIAOTONGSHIGUDEFASHENGHAISHIYOUYIDINGDEZUOYONGDE。