#分享爱车,最高可得3700车币#大家好!我是易车社区哈弗H6版区的主理人渭城风
[{"content":"[_LinkTopic:分享爱车,最高可得3700车币,62712,37]大家好!我是易车社区哈弗H6版区的主理人渭城风雨。昨天是端午节,而我的小六子却受伤了。。。借此和大家聊聊保险这部分的养车费用。\n\n事故经历:高架桥刚下来之后的右转辅导上,我已经在虚线处完成了变道,直行至路口准备右转之时突然左侧一辆女司机驾驶的雷诺就探头过来了,其车辆右侧保险杠处蹭在我的左侧车身上。事故责任很明晰,下车以后对方话中责怪我没有礼让她,奔着不浪费感情的心态我也没有和她多说直接打了122报了案,交警很快赶到,白实线变道,对方全责,毫无疑问。\n\n事故感受:由于我们两家都是同一家保险公司,勘察员到了后,很快进行了事故处理,在询问中得知,对方只买了三责没有购买车损,因此此次事故损失较大,需用她的保险给我修车,预计维修费用在2000以上了,而她自己还需自掏腰包维修她自己的车。目前很多人在车子开了几年以后只买三责用于抵御交通事故造成别人车辆重大损失时的风险,由于自己车子发生损失大多情况为剐蹭可以多次攒到一起之后维修(其中还可能有别人责任导致甚至私了)保险费足以抵掉维修费用。这样做也确实是“老司机”的精打细算。我个人的感受还是太繁琐,商业险中的三责和车损还是有必要都买的,其实随车车子年限的增加车损一直在降低,这部分费用其实也不会太高。就像这次对方损坏的是前杠总成和装玻璃水的洗涤壶,必须要进行维修了,开支肯定是超过保费了,还是挺不划算的。我今年购买的商业险(车损+200万的三责)1600元左右,我觉得这部分开支在我们的养车费用中真不算多,保险买全了还是能更省心一些。我们还是不要对自己的驾驶技术过分自信而忽略了保险的重要性。","height":0,"order":1,"type":1,"width":0},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/7db482546af64080a165260eec7ea792_800_0_max_jpg.jpg","height":810,"note":"","order":2,"path":"/2022/06/04/7db482546af64080a165260eec7ea792.jpg","type":2,"width":1440},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/96eddec38025458e8743335785c84b69_800_0_max_jpg.jpg","height":810,"note":"","order":3,"path":"/2022/06/04/96eddec38025458e8743335785c84b69.jpg","type":2,"width":1440},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/e54399a562bc4ca9b2962e2444ec7114_800_0_max_jpg.jpg","height":810,"note":"","order":4,"path":"/2022/06/04/e54399a562bc4ca9b2962e2444ec7114.jpg","type":2,"width":1440},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/b27af144495546c190d18ee2587bf1d6_800_0_max_jpg.jpg","height":810,"note":"","order":5,"path":"/2022/06/04/b27af144495546c190d18ee2587bf1d6.jpg","type":2,"width":1440},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/7f30cdc67e6a4d21bc072199e56549c7_800_0_max_jpg.jpg","height":1174,"note":"","order":6,"path":"/2022/06/04/7f30cdc67e6a4d21bc072199e56549c7.jpg","type":2,"width":1080},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/a99e7d05aed543a78168a9c8e1eccc66_800_0_max_jpg.jpg","height":1484,"note":"","order":7,"path":"/2022/06/04/a99e7d05aed543a78168a9c8e1eccc66.jpg","type":2,"width":1080},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/755b1705262346ebb65af7845743baec_800_0_max_jpg.jpg","height":1490,"note":"","order":8,"path":"/2022/06/04/755b1705262346ebb65af7845743baec.jpg","type":2,"width":1080},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/2606765da5174777bf4a1f618dc1b155_800_0_max_jpg.jpg","height":909,"note":"","order":9,"path":"/2022/06/04/2606765da5174777bf4a1f618dc1b155.jpg","type":2,"width":540},{"content":"https://img3.baa.bitautotech.com/img/V2img3.baa.bitautotech.com/dzusergroupFiles/2022/06/04/07d6a18db4e949c5bf4ce080d8b7c070_800_0_max_jpg.jpg","height":1372,"note":"","order":10,"path":"/2022/06/04/07d6a18db4e949c5bf4ce080d8b7c070.jpg","type":2,"width":1080}]